How to Check if a Financial App is a Licensed AISP
Step-by-step verification guide for checking European regulatory registers (EBA, FCA, FIN-FSA) before connecting your bank account.
Open Banking in practice
Which apps genuinely connect to European banks under PSD2, how the consent flow actually behaves, and what happens when a token expires or is revoked.
Open Banking Consent Expiry: Why Apps Ask to Re-authenticate
Why PSD2 regulations enforce 90-day and 180-day consent expiry rules for Open Banking connections, and how to manage access.
AISP or PISP: What the Difference Means for You
One licence reads your accounts, the other moves your money. They carry different permissions, different risks and different things worth checking.
What Happens to Your Data After You Revoke Consent
Revoking Open Banking access stops future reads and deletes nothing. Why the two are separate, and how to actually get transaction history erased.
What you actually agree to when an app connects to your bank
Open Banking consent, explained by a security engineer. What the redirect does, what the app can and cannot see, and what revoking access really removes.
Screen scraping or a real API: how to tell which one an app uses
Seven checks that reveal whether a budgeting app connects to your bank through a licensed PSD2 interface or logs in as you and reads the screen.