# User Flows
source: https://developer.mastercard.com/open-finance-data/documentation/user-flows/index.md

## Overview {#overview}

A user flow is the journey your customer completes to connect a bank account
and share their financial data. The flow guides them through selecting their
bank, authenticating, and confirming consent before they return to your
application.

Mastercard Open Finance supports different flow types so you can choose how
much of the user interface (UI) Mastercard hosts. The flow type determines who
controls and displays the screens your customer sees during the journey.

## Flow Types {#flow-types}

Two flow types are available:

* [Managed Flows](https://developer.mastercard.com/open-finance-data/documentation/user-flows/managed-flows/index.md) are hosted by Mastercard. Mastercard presents the bank selection, consent, authentication, and completion screens, so you can launch a journey with minimal UI and orchestration effort. This is the default option for most integrations.
* [Self-Hosted Flows](https://developer.mastercard.com/open-finance-data/documentation/user-flows/self-hosted-flows/index.md) enable you to build and control your own UI while using Mastercard's APIs to complete the journey. This option is available to licensed partners who need full control of the experience.

## Customizing {#customizing}

You can [customize Managed Flows](https://developer.mastercard.com/open-finance-data/documentation/user-flows/customization/index.md) to apply your branding to the flow screens using the Theming API. You
can set the primary color, logo, and font to give your customers a consistent
experience across the journey.