# Aiia Enterprise
source: https://developer.mastercard.com/open-finance-europe/documentation/licensed/aiia-enterprise/index.md

### Overview {#overview}

Aiia Enterprise is a platform that allows developers and businesses to integrate with banking and financial services through APIs.

The platform serves as a bridge between developers/businesses and banking services, providing a secure and standardized way to integrate with financial data and initiate payments. It allows developers to access user-permissioned banking information, making it useful for building financial applications, budgeting tools, and other services.
Note: Refer to our [Open Finance Connect Solution](https://developer.mastercard.com/product/open-banking-connect) if you require Payment Initiation Services (PIS) for the UK market.

### Key features {#key-features}

* **Connecting users and retrieving information:** Developers can use Aiia Enterprise to connect users with their bank accounts. The supervised login flow authenticates the end-user through Strong Customer Authentication (SCA), and the unattended login flow enables subsequent access without end-user input.

* **Accessing account data:** Once user consent is obtained, developers can use Aiia Enterprise APIs to fetch the accounts associated with an end-user, including information such as balance and transactions. This can be used to enable various use cases such as personal financial management, and credit decisioning.

* **Initiating payments:** Developers can use Aiia Enterprise APIs to initiate payments from end-users' accounts, enabling use cases such as e-commerce, account top-ups, and bill payments.

### Before you start {#before-you-start}

Aiia Enterprise is available to Third Party Providers (TPPs), Account Information Service Providers (AISPs) and/or a Payment Initiation Service Providers (PISPs). To become a registered service provider, TPPs must comply with the rules set by the Financial Supervisory Authority (FSA) in the country they operate in. Complete the [Contact Us](https://openbankingeu.mastercard.com/contact-us) form if you require assistance, or have any concerns about the AISP or PISP license.
Note: Businesses that are not eligible to apply for an AISP or a PISP license, or are not ready to apply, have the option of [Using Mastercard's License](https://developer.mastercard.com/open-finance-europe/documentation/unlicensed/index.md).

### How it works {#how-it-works}

A high level overview of the interactions involved is shown below. Refer to the [Quick Start Guide](https://developer.mastercard.com/open-finance-europe/documentation/licensed/aiia-enterprise/quickstart/index.md) for detailed information.
![](https://static.developer.mastercard.com/content/open-finance-europe/uploads/open-finance-4.svg)

1. The user accesses a TPP's product to use a service powered by Open Finance.
2. The TPP requests the users consent to access their financial data and/or initiate payments.
3. The user provides consent.
4. The TPP product initiates workflow using the Mastercard Open Finance Solution.
5. The Mastercard Open Finance Solution redirects the user to the Account Servicing Payment Service Provider (ASPSP) to authorize the data access or payment.
6. The ASPSP returns the user's data, or payment request outcome, to the Mastercard Open Finance Solution.
7. The Mastercard Open Finance Solution provides the data, or payment request outcome, to the TPP.
8. The TPP provides the information provided by the Mastercard Open Finance Solution as part of its service to the user.

### Good to know {#good-to-know}

TPPs get instant access to our [test banks](https://developer.mastercard.com/open-finance-europe/documentation/licensed/aiia-enterprise/testing/test-providers/index.md), which simulate the behaviour of an ASPSP. Once you have tested your solution, you can request [production](https://developer.mastercard.com/open-finance-europe/documentation/licensed/aiia-enterprise/production/accessing-prod-data/index.md) connectivity so you can access your customers' accounts.

### Next steps {#next-steps}

* Refer to the [Quick Start Guide](https://developer.mastercard.com/open-finance-europe/documentation/licensed/aiia-enterprise/quickstart/index.md) to find out how to onboard your first user and begin using Mastercard Open Finance.
* Refer to [API Reference](https://developer.mastercard.com/open-finance-europe/documentation/licensed/aiia-enterprise/api-references/index.md) for information on all endpoints available.
* Refer to [API Basics](https://developer.mastercard.com/open-finance-europe/documentation/licensed/aiia-enterprise/api-basics/index.md) for information on authentication, environments, payload encryption, and advanced topics.
* Refer to our [FAQs](https://developer.mastercard.com/open-finance-europe/documentation/licensed/aiia-enterprise/faq/index.md) for answers to some common questions.

### Getting help {#getting-help}

* Complete the [Contact Us](https://openbankingeu.mastercard.com/contact-us) form if you have any questions or require assistance.