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Consent Flow

The diagram below depicts an overview of the flow, taking place during the creation of consent, including who plays what role. BEC's responsibility is limited to the actions happening between the TPP and ASPSP. All parts of the flow except the SCA, which has been depicted below.

 

SCA Flow - standard

In relation to consents, the SCA process is confined to the NemId process and is implemented as 2-factor authentication. The NemID applet is implemented to be customizable. Upon completion the SCA process, the PSU will be redirected to the TPP-Redirect-URI if an error occurred, however, the user will be redirected to the TPP-Nok-Redirect-URI.

 

SCA flow based on app switch

For granting consent via app switch to the mobile bank app, the SCA process consists of authentication with mobile code. Upon completion of the SCA process, the PSU will be redirected to the TPP Success URL or Error URL depending on the outcome. For Android the links to be used are Android app links and for iOS the links are universal links.

App switch is supported from version 6.7.0 of the iOS mobile bank app and from version 6.9.X-23 of the Android mobile bank app.

Consent SCA flow based on app switch