Open Banking monitoring (continuous access)

Monitoring mode extends Open Banking access over time, with the customer's consent, to follow how their financial situation evolves after onboarding. Instead of a single snapshot, the lender gets an ongoing view that picks up weak signals: failed direct debits, recurring overdrafts, falling income. This makes it possible to anticipate a missed payment before it happens. It is a lever for preventing credit risk and subscription defaults, framed by PSD2 and by consent the customer can withdraw at any time.