Type: AISP
Product: PSD2 Active Engine
If more than one bank credential is associated with an account, two cases may arise:
- Real proxy account (with dedicated banking credentials)
In this case, each user has his own credentials to access and operate. The ids and consents are different, so there is no overlapping of data when requesting transactions. - Dummy account (with credentials shared by several users)
In this case, the request of one or more users overrides the consent of the other, activating/deactivating the two aggregations in alternating stages. Even in this case, we download movements twice with two different ids because, although logically they are the same, they come from two different users so for the PFM (classifier) they are two different accounts. In fact, it is good to remember that for each triple TPP-credential-bank there can only be one valid recurring consent. In this case the TPP is Fabrick.