Open Banking
How Open Banking Works
Consent-driven data sharing, in five steps.
Merchants stay in control of their data at every step — from choosing an app to revoking access.
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01
Connect a licensed app
From the KREO merchant dashboard, choose a CBN-licensed fintech or Payment Initiation Service Provider (PISP) you want to connect.
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02
Redirect to consent
KREO's OAuth 2.0 authorization server, built to the FAPI 2.0 security profile, opens a secure consent screen for you to review.
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03
Choose what to share
Pick exactly which data and which time window the app can access — nothing more, nothing by default.
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04
Consent is logged
KREO issues a scoped access token to the app and logs a consent receipt, available to you and regulators on request.
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05
Revoke anytime
Review every connected app and revoke access instantly from Settings — your data stays under your control.