Most identity checks stop at the login succeeding. That is one fact out of several the connection could answer.
Not "can you connect to a bank". It is what do you do with the connection once you have it, for identity, for income, or both.
PSD2-rail access to account data, used three ways from one connection: as an identification method (the bank already verified this person; reuse that), as a data product (ownership, income pattern, behaviour) for cases that need more than identity, and as Verification of Payee, confirming the named account holder before a payment goes out. VOP runs today and is built into Poros's own account checks.
Open banking across 21 countries, with 80 percent bank coverage and 567 million accounts.
A bank login treated as a full identity check, when the account is joint or shared, attributes the check to the wrong person.
Identification only, data only, or both, set per use case.
A joint or shared account treated as one person's identity attributes the check to the wrong owner.
The account data behind whichever use was requested.
Written once, used as identification in KYC and as a risk signal in Risk Intelligence, one canonical integration either way.