# Access Account Information
source: https://developer.mastercard.com/open-banking-connect/product/ais_productinfo/index.md

### Features and benefits {#features-and-benefits}

![Accounts and transactions](https://static.developer.mastercard.com/content/open-banking-connect/img/product/accounts_and_transactions.svg)

###### Accounts and transactions {#accounts-and-transactions}

Provide customers a single view of their day to day accounts and transactions, all through a set of unified Open Banking APIs
![Reduced overhead](https://static.developer.mastercard.com/content/open-banking-connect/img/product/reduced_overhead.svg)

###### Reduced overhead {#reduced-overhead}

Reduce overhead through management of multiple connections
![Single access point](https://static.developer.mastercard.com/content/open-banking-connect/img/product/single_access_point.svg)

###### Single access point {#single-access-point}

Provide a single access point to Open Banking Data available for you to offer your customers
![Open Banking ecosystem](https://static.developer.mastercard.com/content/open-banking-connect/img/product/open_banking_ecosystem.svg)

###### Open Banking ecosystem {#open-banking-ecosystem}

Enable fast access to the Open Banking ecosystem
![Reduced payment failures](https://static.developer.mastercard.com/content/open-banking-connect/img/product/reduced_payment_failures.svg)

###### Reduced payment failures {#reduced-payment-failures}

Remove the chances of payment failures due to insufficient funds

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

This is just one example of how Open Banking Connect brings account information to life. Numerous other uses for this API can be found in the [Use Cases](https://developer.mastercard.com/open-banking-connect/open-banking-connect/documentation/usecases/overview/index.md) section.
![User wants to view accounts through Personal Money Manager](https://static.developer.mastercard.com/content/open-banking-connect/img/product/select_your_bank123456.png)

A user accesses their Personal Money Manager and wants to connect to banks to view accounts. Available banks are provided by the Open Banking Connect API.
![Consent to access accounts confirmed using mobile banking app](https://static.developer.mastercard.com/content/open-banking-connect/img/product/authorize_bank123456.png)

The users' consent is confirmed by logging on to their mobile banking app, which they are directed to from their money management app. Redirect is powered by the Open Banking Connect API.
![Account transactions displayed in Personal Money Manager](https://static.developer.mastercard.com/content/open-banking-connect/img/product/transactions_screen123456.png)

The user accesses their transactions in their Personal Money Manager. The APIs are powered by Open Banking Connect.

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### Use cases {#use-cases}

![Personal financial money manager](https://static.developer.mastercard.com/content/open-banking-connect/img/product/personal_financial_money_manager.svg)

###### Personal financial money manager {#personal-financial-money-manager}

Budgeting and managing money has increased in importance, but this becomes a challenge for people with multiple accounts. The AIS APIs provided by Open Banking Connect enable TPPs to offer a means for customers to bring current accounts across all their banks together, giving a 360 view of their finances.
![Managing your risk](https://static.developer.mastercard.com/content/open-banking-connect/img/product/managing_your_risk.svg)

###### Managing your risk {#managing-your-risk}

Historically, when customers have not enough funds purchases are declined, resulting in an increase in support calls and a poor customer experience. With the addition of AIS data, powered by Open Banking Connect, TPPs now have a 360 view of their customer's accounts across all their banks. This view provides the potential for TPPs to allow the previously declined purchase to be authorised, knowing that the customer can move money to cover the purchase cost from their other accounts.
![Enhanced onboarding experience](https://static.developer.mastercard.com/content/open-banking-connect/img/product/enhanced_onboarding_experience.svg)

###### Enhanced onboarding experience {#enhanced-onboarding-experience}

Onboarding of merchants or any new customer to a TPPs business can be time consuming, due to the number of documents and checks which need to be performed. Using AIS data alongside onboarding data has the potential to automate these checks, whilst also bringing richer data, which has the potential to improve the overall onboarding experience for the TPPs and their customers.

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### Resources {#resources}

Account Information Services (AIS)

Open Banking Connect enables TPPs to quickly and easily connect to Open Banking Account Information Services (AIS) provided by Account Servicing Payment Service Provider (ASPSPs).

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**Used
By** Financial institutions, merchants, tech companies. **Regions** Any European Union (EU) Third Party Provider (TPP) connecting to select banks in Poland and UK.