Screen scraping
A third party logging in with a customer's credentials to read data from the bank's customer interface.
Screen scraping is the practice of a third party using a customer's online banking credentials to log in as the customer and read data from the bank's customer-facing interface. It gives the third party the same power as the customer, makes access hard to limit or revoke, and can expose the customer to liability for sharing credentials. Open banking rules in the European Union and the UK moved third-party access to dedicated interfaces, and agents that drive a customer's banking session directly reproduce the same risks.
Agent Minute explains this term on 18 February 2027.
Related terms
Open bankingCustomers letting authorised third parties access their payment account data and initiate payments through secure APIs.Data providerUnder the US data rights rule, a covered firm that must make consumer financial data available on request.Gross negligenceA serious failure of care by a payer that can shift losses from unauthorised payments onto them.Access tokenA credential a client presents to access protected resources, representing a specific, limited authorisation.