Open Banking Project

Die Open API Kundenbeziehung implementiert den Schweizer Standard für den branchenübergreifenden Austausch von Kundendaten zur Etablierung einer selbstbestimmten digitalen Kundenbeziehung. Die Open API Kundenbeziehung fokussiert in einem ersten Schritt auf die Serviceerschliessung (Onboarding), in weiteren Ausbaustufen sollen auch die Pflege und Saldierung berücksichtigt werden.

Select Demo Scenario

Choose the type of institution to simulate the onboarding process

Bank Onboarding

Opening account at Bank B using data from Bank A

Products: Checking, Savings, Investment

Life Insurance

Applying for life insurance using bank data

Product: Life Insurance Policy

Setup: Bank A Customer Data

First, we need to simulate that you already have an account at Bank A.

This is background setup - the main 13-step process will start after this.

Request & Response

Process Flow

Step 1: Initialization Setup Block

Process Initialization

Starting the customer onboarding process at Bank B.

This creates a new process instance and generates a unique processId for tracking.

Request & Response

13-Step Process Flow

Step 2: Product Selection Setup Block

Product Selection

Select the products you want to apply for. This determines which data scopes will be required.

Available Products:

Request & Response

13-Step Process Flow

Step 2a: Authentication OAuth Flow

Customer Authentication

Authenticate yourself at Bank A to access your data.

This is where you prove your identity before granting consent.

Authentication Method:

Request & Response

13-Step Process Flow

Step 2b: Consent Granting OAuth Flow

Data Sharing Authorization

Bank B is requesting access to your data at Bank A.

Review and authorize the following data scopes:

Your rights:

  • You can revoke this consent at any time
  • Data will only be accessed for the stated purpose
  • All data access is logged and auditable

Request & Response

13-Step Process Flow

Step 2c: Authorization Code Exchange OAuth Flow

Access Token Issuance

Exchanging authorization code for access token...

Processing authorization code exchange...

Request & Response

13-Step Process Flow

Step 3: Self-Declaration Collection Block

Regulatory Self-Declaration

Please provide required regulatory information.

Request & Response

13-Step Process Flow

Step 4: Basic Data Collection Collection Block

Retrieving Your Data

We're now accessing your existing data from Bank A using the authorized token.

This includes: Basic identity, Address, and Contact information.

Retrieving data...

Request & Response

13-Step Process Flow

Request & Response

13-Step Process Flow

Step 6: Identification Verification Block

Identity Verification

Upload or scan your identification document.

Document Upload

Click here to simulate document scan

In production: NFC chip reading, MRZ extraction, liveness check

Request & Response

13-Step Process Flow

Step 7: Background Checks Verification Block

Automated Background Verification

Running required compliance checks...

Initiating background checks...

Request & Response

13-Step Process Flow

Steps 8-9: Contract & Signature Finalization Block

Contract Acceptance

Please review and sign the following documents.

General Terms & Conditions (AGB)

Terms of Service

1. Account Terms: This agreement governs your account relationship...

2. Services: We provide banking services including...

3. Fees: Account maintenance fees apply as per fee schedule...

4. Privacy: Your data will be processed according to...

5. Liability: The bank's liability is limited to...

[... Full terms would be displayed here ...]

Data Processing Agreement (DAS)

Data Processing Terms

1. Data Controller: Bank B acts as data controller...

2. Data Categories: We process the following data categories...

3. Processing Purpose: Your data is processed for...

4. Your Rights: You have the right to access, rectify, erase...

5. Data Retention: Data will be retained for...

[... Full data processing terms ...]

Qualified Electronic Signature (QES)

Click here to sign with QES

In production: Swiss Mobile ID or qualified signature device

Request & Response

13-Step Process Flow

Process Complete!

🎉 Account Opening Successful!

Your account at Bank B has been successfully created.

All 13 steps of the OAuth-integrated onboarding process have been completed.

Process Summary:

Complete Data Collected

Full Audit Trail