Skip to main content
The Open Banking connectors enable Account Servicing Payment Service Providers (ASPSPs) in the UK to become Open Banking compliant according to the UK’s Open Banking Limited (OBL) standards, aligned with the Payment Services Directive 2 (PSD2). The connectors let end users grant consent and securely share their account information with Account Information Service Providers (AISPs). This promotes innovation and inclusion in the financial ecosystem. The Backbase Open Banking Compliance Account Information Services (AIS) solution works in partnership with Salt Edge, which is Backbase’s compliance partner for Open Banking in the UK and EU. The solution uses bi-directional connectors from Grand Central that integrate with Salt Edge and the Backbase Engagement Banking Platform. These connectors provide seamless consent management and account information sharing while maintaining regulatory compliance. The connector provides the following features:
  • Streamline consent management by validating authorization requests from AISPs and synchronizing consent status across systems, ensuring regulatory compliance with PSD2 and OBL standards.
  • Enable secure account information sharing by letting AISPs retrieve account details and balances from the ASPSP’s digital banking platform with proper consent and authentication.
  • Enable transaction data access by letting AISPs retrieve transaction data from customer accounts, supporting financial aggregation and analysis services.
  • Support consent revocation workflows by letting customers revoke previously granted consents, giving them control over their data sharing preferences.
For information about the Grand Central Unified API endpoints that support these features, see Reference. The Salt Edge servicing consent connector manages the consent lifecycle between the ASPSP, Salt Edge, and AISPs. This connector:
  • Initiates the consent granting flow by validating authorization URLs received from AISPs when customers are redirected to the ASPSP’s digital banking app.
  • Updates consent status by synchronizing approved or declined consents from the ASPSP to Salt Edge and the requesting AISP.
  • Synchronizes consent revocation by propagating revoked consents from the ASPSP to Salt Edge and the AISP, ensuring all parties know about consent status changes.

​
Account information retrieval

The Backbase EBP deposit connector lets AISPs retrieve account and balance information from the Backbase Engagement Banking Platform. This connector lets AISPs fetch account details and current balances for deposit accounts that customers have consented to share.

​
Transaction data access

The Backbase EBP deposit transaction connector lets AISPs retrieve transaction data from the Backbase Engagement Banking Platform. This connector lets AISPs fetch transaction data for deposit accounts that customers have consented to share, supporting services such as financial aggregation and spending analysis. The Backbase EBP servicing consent connector lets AISPs revoke consents stored within the Backbase Engagement Banking Platform. This connector lets customers withdraw previously granted consents, ensuring they maintain control over their data sharing preferences. For definitions of Open Banking terms used on this page, such as AISP, ASPSP, PSD2, and OBL, see the Glossary.