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The Bank Data sharing service scope includes domestic payment accounts (i.e. payment accounts offered by LFIs located in UAE) in all available currencies.
A An LFI may request a data transfer from another LFI on behalf of a User with the User’s consent. In the instance where a an LFI is providing a service as a TPP, the LFI is subjected to the same rules and guidelines as a TPP would be, as specified in the Standard.
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TPPs MUST ensure they have business rules that manage the relationship between Data Clusters to product types and omit access to Data Clusters that are irrelevant to a specific product type, as well as their service offering. If a TPPs requests a Data Cluster of data that is irrelevant to the product type associated to the payment account, for example the Scheduled Transfers Data Cluster is requested for a Savings Account product type, the LFIs MAY provide that Data Cluster as empty.
7. LFI as a TPP Example
The below user journeys illustrates how an LFI could act as a TPP and ingest LFI data. The first flow illustrates a user providing consent for an LFI to access data from the user’s other LFI. The second flow is an example of how an LFI could consolidate transaction history from both LFIs into a single statement. As an extension of this example, the consolidated statement could be used in a credit assessment.
7.1 User provides consent to share data from one LFI to another
7.2 User views consolidated transaction history
