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Linking of Accounts v1.3

Linking of Accounts v1.3

Version

Changes

Date Updated

Version

Changes

Date Updated

v1.3

  1. Swapped the sequence between the Data Provider List page and the Consent Request page in the account linking flow.

  2. Updated these account linking flows in detail as per the UIUX Guideline.

    1. Same Device

    2. Different Device

  3. [Out of scope] Removed the flow where users are able to select multiple DPs at the same time to link to.

    1. This means that users would need to link each DP one by one.

  4. Added a placeholder for the Open Finance Trustmark.

  5. Published UIUX Guidelines v1.3

Dec 19, 2025

v1.2.1

First publication

 

What is Account Linking?

Account linking allows users to securely connect their financial accounts across participating Data Providers to a participating Data Consumer — initiated by the user with clear consent and purpose.

 

When and How Does Account Linking Happen?

When a user wants to share their financial data to a Data Consumer, they will be redirected to authenticate and authorise the consent with the Data Provider.

 

Data Consumer (DC)

Data Provider (DP)

 

Data Consumer (DC)

Data Provider (DP)

Who They Are

Fintechs, third-party providers, or banks consuming data to build financial products.

Institutions holding financial data: banks, e-wallets, insurers, etc.

Responsibility

  • Obtain explicit user consent for agreed purposes

  • Ensure data privacy, security and compliance on managing of user data.

  • Authenticating the user and to authorize consent for data sharing

  • Providing accurate data based on consent given by the user.

Linking of Accounts

Please refer to the UIUX Guidelines for the detailed flow:

UIUX Guidelines

(A) Same Device flow

When a user has both the DC and DP app installed in the same mobile device.

image-20251219-053538.png

 

(B) Different Device flow

When a user does not have the DC and DP app installed in the same mobile device (eg. Desktop-to-App, or Mobile Device 1 and Mobile Device 2)

image-20251219-020956.png

 

What is Account Linking?

Account linking allows users to securely connect their financial accounts across participating Data Providers to a participating Data Consumer — initiated by the user with clear consent and purpose.

 

When and How Does Account Linking Happen?

When a user wants to share their financial data to a Data Consumer, they will be redirected to authenticate and authorise the consent with the Data Provider.

 

Data Consumer (DC)

Data Provider (DP)

 

Data Consumer (DC)

Data Provider (DP)

Who They Are

Fintechs, third-party providers, or banks consuming data to build financial products.

Institutions holding financial data: banks, e-wallets, insurers, etc.

Responsibility

  • Obtain explicit user consent for agreed purposes

  • Ensure data privacy, security and compliance on managing of user data.

  • Authenticating the user and to authorize consent for data sharing

  • Providing accurate data based on consent given by the user.

Linking of Accounts

(A) Same Device flow

When a user has both the DC and DP app installed in the same mobile device.

Linking Accounts - Same Device.png

 

(B) Different Device flow

When a user does not have the DC and DP app installed in the same mobile device (eg. Desktop-to-App)

Linking Accounts - Different Device.png

(C) Linking Multiple Accounts flow (Optional for DC)

Slide4.png

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