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open-banking

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Understand open banking — AIS/PIS flows, consent management, PSD2 concepts, and secure bank-data integration.

skills/open-banking/SKILL.md

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Oct 10, 2026
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## Overview

Open banking lets consumers share their financial data with third parties — and initiate payments — through secure, standardized APIs, with explicit consent. This skill is a knowledge guide to the concepts: account information services (AIS), payment initiation services (PIS), consent flows, strong customer authentication (SCA), and the regulatory frameworks (notably PSD2 in Europe, plus equivalents elsewhere) that make it work.

This is conceptual and architectural guidance, not implementation docs for any specific provider.


Open banking lets consumers share their financial data with third parties — and initiate payments — through secure, consent-driven APIs. Built on regulations like PSD2 in Europe and similar frameworks emerging globally, it underpins account aggregation, affordability checks, and pay-by-bank flows. The skill is designing products around consented data access: useful enough to earn trust, careful enough to keep it.
## When to use

- Learning how open banking works
- Designing products that use bank data (budgeting, lending, accounting)
- Understanding AIS vs. PIS use cases
- Planning consent and authentication UX
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