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Share Banking Data with a Budgeting App

Framework: CDR

Follow consent, authorisation and data sharing under Australia's Consumer Data Right.

Educational simulation of Australian Consumer Data Right data sharing using fictional participants. Consent, authorisation and implementation requirements must be verified against current public CDR rules and standards.
Ready
1/10 · 10%

Data-sharing journey

Step 1 of 10
Speed

Timeline

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Step detail

Customer wants insight

Depth

Foundation · Recommended starting point

In simple terms: The customer wants a budgeting app to see their spending automatically instead of typing it in.

Customer action

Opens a budgeting app and taps 'Connect my bank'.

What the customer sees

An explanation of what Open Banking is.

Customer expectation

Safe and quick setup.

Potential friction

Unfamiliar terms like 'CDR' or 'accredited'.

Customer concern

Is it safe to share my bank data?
Product metrics
Simulated educational data — not industry benchmarks.
Consent → authorised
68%
API success rate
99.2%
Withdrawals (90d)
4.1%
Questions a product leader should ask
Use these to challenge the journey design.
  • What is the minimum data our use case needs?
  • Where do customers drop off between consent and authorisation?
  • How do we prove data is deleted when consent ends?
  • What happens to our product when a data holder's APIs are down?
Public Sources & Further Reading
External references for further learning. Content on this page is original educational interpretation.
Journey last reviewed 2026-10-07
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