Table of content
Overview
The user service is a focused set of APIs designed to manage mobile and internet banking user accounts, enabling seamless digital onboarding and real-time account updates. These APIs play a critical role in creating new digital banking users and updating key user information such as OTP credentials in the core banking system (T24) and digital platforms like the mobile app.
Why use these APIs?
- Digital onboarding: Instantly create new mobile banking (IB/MB) accounts for customers during onboarding flows, including full integration with the core banking system.
- Real-time updates: Allow secure, system-to-system updates to critical user credentials (e.g., OTP) to ensure authentication remains synchronized and compliant.
- Seamless core integration: Sync user creation and updates across internal systems (T24) for a unified customer experience.
- Operational efficiency: Automate user provisioning and maintenance without requiring manual intervention from operations or support teams.
Key features
User creation & onboarding
POST /open-user-ib: Create a new internet/mobile banking user in T24. This API is typically used in onboarding flows or when a customer opts in for digital banking services.
User updates & credential management
POST /update-user-ib: Update the OTP credential for an existing digital banking user to ensure secure and compliant access.
