DNB guidance on efficient customer journeys relating to Guideline 
                                                                                                                                                                                                 
        5 in EBA Guidelines 2018/07
                    AIS                                                                                                             ASPSP
                    PIS                                                                                    1                     2                        Redirection to 
                                              Identification at    Bank/account         Redirection to       Authentication          Confirmation         TPP (no action       AIS completed 
                                                     TPP          selection at TPP          ASPSP                                                            required)           successfully
                                                                                                           1                     2                        Redirection to 
                                              Identification at    Bank/account         Redirection to       Authentication            Optional:          TPP (no action       PIS completed 
                                                     TPP          selection at TPP          ASPSP                                   confirmation*            required)           successfully
                                                                                                                              Step in TPP domain             Action required from payment service users
        For background see “An obstacle-free redirection based customer journey for payment initiation and account 
                                * Separate step if desired from a customer perspective, or if                                                                  x
        information sesurpvpilcemeesn ptarroy vinifdoremdat bioyn  muthsirt dbe p parersteinetsed using the dedicated interface” published on Open Boek on 1 July 2020
                                                                                                                              Step in ASPSP domain
                                                            2                                                                                                                                                8/31/22
       Examples of account information service (AIS) customer journey 
                                                                                                                                                                        
       relating to Guideline 5:
         1. Efficient customer journey:                                                           ASPSP
                             Bank/account                                    1                                2                                 Redirection to 
           Identification     selection at     Redirection                     Authentication                    Confirmation                   TPP (no action     AIS completed 
               at TPP             TPP            to ASPSP                                                                                         required)         successfully
         2. Example of an inefficient 
              customer journey:
                             Bank/account                                    1                                2                               3 Redirection to 
           Identification     selection at     Redirection                     Authentication                    Confirmation                    TPP (action       AIS completed 
               at TPP             TPP            to ASPSP                                                                                         required)         successfully
         3. Example of an inefficient 
              customer journey:
                             Bank/account                         1                  2                   3                 4                    Redirection to 
           Identification     selection at     Redirection          Authentication     Consent scope       Confirmation         Second          TPP (no action     AIS completed 
               at TPP             TPP            to ASPSP                              management                            authentication       required)         successfully
                                                                                                   Step in TPP domain             Action required from payment service user
                                                                                                   Step in ASPSP domain         Superfluous action required from payment service user
                                                    3                                              Superfluous step in ASPSP domain                                               8/31/22
           Examples of payment initiation service (PIS) customer journey 
                                                                                                                                                                                                                                                                                     
           relating to Guideline 5:
               1. Efficient customer journey:                                                                                                                      ASPSP
                                               Bank/account                                                                                                  1                                                                                 Redirection to 
                   Identification                selection at                 Redirection                                                                       Authentication                                                                 TPP (no action                 PIS completed 
                         at TPP                         TPP                     to ASPSP                                                                        & Confirmation                                                                     required)                    successfully
                                               BBanankk//accaccoouunntt        TPP-ASPSP                                          11                                                     22                                                     Redirection                           PIS 
                                                                                                                                                                                                                                               Redirection to 
                   IIddeennttiifificacattiioonn                               Redirection                                           Authenticatio                                                                                                screen (no                   PIS completed 
                                                                                                                                     Authentication                                        Confirmation*                                       TPP (no action 
                                                 sseelleectctiioonn  atat      redirection                                                                                                Confirmation                                                                         completed 
                         atat  TTPPPP                                            to ASPSP                                                      n                                                                                                     action                     successfully
                                                        TTPPPP                    screen                                                                                                                                                           required)                  successfully
                                                                                                                                                                                                                                                  required)
               2. Example of inefficient 
                        customer journey:
                                               Bank/account                                                                        1                                                    2                                                  3 Redirection to 
                   Identification                selection at                 Redirection                                            Authentication                                        Confirmation*                                         TPP (action                  PIS completed 
                         at TPP                         TPP                     to ASPSP                                                                                                                                                          required)                     successfully
               3. Example of inefficient 
                        customer journey:
                                               Bank/account                                                   1                              2                                3 Overview                    4                                  Redirection to 
                   Identification                selection at                 Redirection                       Authentication                   Confirmation*                       (action                         Second                    TPP (no action                 PIS completed 
                         at TPP                         TPP                     to ASPSP                                                                                            required)                  authentication                      required)                    successfully
               * Separate step if desired from a customer perspective, or if                                                                                        Step in TPP domain             Action required from payment service user
               supplementary information must be presented
                                                                                                                                                                    Step in ASPSP domain         Superfluous action required from payment service user
                                                                                       4                                                                            Superfluous step in ASPSP domain                                                                                                   8/31/22