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A fully compliant fallback interface

Modified Customer Interface (UK/EU)

Our Modified Customer Interface (MCI) solution gives you a secure customer interface with third party provider identification that conforms to Open Banking and GDPR regulations. Safely identify and authenticate Payment Service Users (PSUs) through your existing channels inline with Strong Customer Authentication (SCA) and share their financial data without risking personal data.

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Product Highlights

The Advantages of Modified Customer Interface

Quick Compliance

Bank can be fully Open Banking or PSD2 compliant in UK/EU by only implementing MCI solution.

Our solution can be delivered in 1-2 weeks.


Achieve full compliance with a fraction of the cost of implementing an API solution.

This is built on the banks existing online/mobile banking and there is no significant integration cost.

GDPR Compliance

Our solution meets the GDPR requirements with personal data redaction functionality.

Non-PSD2 product information such as savings and others can be redacted.

Contingency Mechanism

Our MCI solution can be used as the main Open Banking interface or as a fallback to API solution.

Our solution offers a contingency mechanism and is used to mitigate "Dedicated API" failure risk.

PSD2 MCI / Fallback Solution

Modified Customer Interface

Certificate based identification and authentication

Role based access control (AISP/PISP/PIISP)

TPP validation checks across 31 NCAs

Fully SCA compliant

Customer personal data redaction (GDPR compliant)

Non PSD2 product data redaction

All common access methods available

Audit and logging included

Simple onboarding process

Dedicated development support

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Your trusted Open Banking solution

Here’s What the Process Looks Like

Our Modified Customer Interface allows you to safely provide TPPs with access to your customers’ financial data through your

existing channels. Checks are conducted to identify and authenticate TPPs to guarantee data security.

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Modified Customer Interface / Fallback Interface

Modified Customer Interface Demo

See Banfico’s Modified Customer Interface solution in action! Please fill the information below to schedule a demo.