Account Information Service Provider
An AISP (Account Information Service Provider) is a licensed open banking party that, with the user's explicit consent, accesses balance and transaction information in bank accounts on a read-only basis.
An AISP provides the Account Information Service (AIS), one of open banking's two core services. After the user approves with strong customer authentication (SCA) at their bank, the AISP reads balances and transaction history across accounts via secure APIs — but cannot initiate any movement of funds. This data powers budgeting/PFM apps, income verification, cash-flow analysis and credit scoring.
In Europe the AISP authorisation is regulated under PSD2; in Türkiye the account information service is provided by licensed institutions under the TCMB framework. Kobaküs provides the infrastructure and helps structure the licensed party/partner model.
An AISP only reads account information (balance/transactions); a PISP initiates payments from the account. AISP is the data side, PISP is the action side.
No. Authentication happens on the bank's own secure screen; the AISP accesses only the permitted data via a time-bound, revocable token.
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