Marketplace Users

If a user has connected to Open Banking on a marketplace which D•One has partnered with, the marketplace can provide consent on a per-user basis to access user bank data.

When a user visits the marketplace to search for a credit product, a request to quote is sent to the credit provider. Within this payload a userId is included. This userId is used to access Open Banking data from the D•One API.

The duration of consent to access a user’s Open Banking data is controlled by the marketplace.

1. A user searches for a credit product on the marketplace
2. Marketplace provides consent for the credit provider to access Open Banking data via D•One
3. D•One returns the D•One specific user ID to the marketplace
4. Marketplace passes this user ID on to the credit provider
5. Credit provider is now able to fetch Open Banking data associated with that user ID