CX Guidelines

01

(1) If a data holder has received a notice under rule 4.18C or 4.20S, the data holder must, in accordance with this Division, invite the CDR consumer to amend the authorisation to disclose CDR data accordingly.

CDR Rule 4.22A(1)

3AU1.00.01

02

(1) When asking a CDR consumer to authorise the disclosure of CDR data, or amend a current authorisation, a data holder must give the CDR consumer the following information about the authorisation or amendment: (a) subject to subrule (2), the name of the accredited person that made the request;

CDR Rule 4.23(1)(a)

3AU1.00.02

03

When asking a CDR consumer to authorise the disclosure of CDR data or to amend a current authorisation, the data holder must not do any of the following: (a) add any requirements to the authorisation process beyond those specified in the data standards and these rules; (b) provide or request additional information during the authorisation process beyond that specified in the data standards and these rules; (c) offer additional or alternative services as part of the authorisation process; (d) include or refer to other documents.

CDR Rule 4.24

3AU1.00.03

04

(1) When asking a CDR consumer to authorise the disclosure of CDR data, or amend a current authorisation, a data holder must give the CDR consumer the following information about the authorisation or amendment: (c) the types of CDR data for which the data holder is seeking an authorisation to disclose;

CDR Rule 4.23(1)(c)

3AU1.02.04

05

(1) When asking a CDR consumer to authorise the disclosure of CDR data, or amend a current authorisation, a data holder must give the CDR consumer the following information about the authorisation or amendment: (b) the period of time to which the CDR data that was the subject of the request relates;

CDR Rule 4.23(1)(b)

3AU1.02.05

06

(1) When asking a CDR consumer to authorise the disclosure of CDR data, or amend a current authorisation, a data holder must give the CDR consumer the following information about the authorisation or amendment: (e) if authorisation is being sought for disclosure over a period of time―what that period is;

CDR Rule 4.23(1)(e)

3AU1.02.06

07

(1) When asking a CDR consumer to authorise the disclosure of CDR data, or amend a current authorisation, a data holder must give the CDR consumer the following information about the authorisation or amendment: (d) whether the authorisation is being sought for: (i) disclosure of CDR data on a single occasion; or (ii) disclosure of CDR data over a period of time of not more than 12 months; Note: While certain consents by a CDR business consumer can have a period of 7 years, a corresponding authorisation cannot be for more than 12 months before renewal under subparagraph (1)(d)(ii).

CDR Rule 4.23(1)(d)

3AU1.02.07

08

(1) An authorisation to disclose particular CDR data to an accredited person expires at the earliest of the following: (g) if the authorisation was for disclosure of CDR data over a specified period—the end of: (ii) if the period of the authorisation has been amended in accordance with this Division―that period as last amended;

CDR Rule 4.26(1)(g)(ii)

3AU1.02.08

09

(1) When asking a CDR consumer to authorise the disclosure of CDR data, or amend a current authorisation, a data holder must give the CDR consumer the following information about the authorisation or amendment: (g) instructions for how the authorisation can be withdrawn.

CDR Rule 4.23(1)(g)

3AU1.02.09

10

(1) When asking a CDR consumer to authorise the disclosure of CDR data, or amend a current authorisation, a data holder must give the CDR consumer the following information about the authorisation or amendment: (f) a statement that, at any time, the authorisation can be withdrawn;

CDR Rule 4.23(1)(f)

3AU1.02.10

11

For paragraph 56ED(7)(b) of the Act, the CDR entity must make its CDR policy readily available through each online service by means of which the CDR entity, or a CDR representative of the CDR entity, ordinarily deals with CDR consumers.

CDR Rule 7.2(8)

3AU1.02.11

12

Where account selection applies, Data Holders MUST pre-select accounts that were associated with the previous authorisation provided these accounts remain eligible and available to share. Data Holders MAY allow these accounts to be amended, and MAY provide information regarding the pre-selection of accounts.

Amending Authorisation Standards, Authorisation: Account Selection

3AU1.01.12

13

Data holders MUST show which accounts the data is being shared from prior to confirming authorisation if the data request includes account-specific data. The data holder MAY omit this information if none of the data being requested is specific to an account (e.g. Saved Payees).

Authorisation Standards, Authorisation: Account confirm

3AU1.01.13

14

Data Recipients and Data Holders MUST use data language standards to describe data clusters and permissions in consumer-facing interactions. See the Banking Language section for language to be used when requesting banking data; and the Energy Language section for language to be used when requesting energy data. Data language standards MUST be used when CDR data is being requested, reviewed, or access to such data is withdrawn. Data Recipients and Data Holders MUST use the appropriate data standards language for business consumers as denoted with an '*' for the relevant data. Data Recipients and Data Holders SHOULD expand on the proposed language where appropriate to communicate further details of what is being shared. Additional details MAY include additional information in context, such as in-line help or tool tips, and/or additional permissions where they may exist. Examples of permission details that MAY be used and provided as in-line help are denoted with an '†' for the relevant data.

Data Language Standards: Common, Data Language Standards: Language to be used

3AU1.02.14

15

Data Holders MUST indicate where a dataset is being added to an authorisation or a disclosure duration is being amended. Data Holders MAY apply this standard to other changing attributes, but this MUST ONLY apply where the attribute in the new authorisation differs to that of the previous authorisation. How a changed attributed is signified is at the Data Holder’s discretion.

Amending Authorisation Standards, Authorisation: Changing Attributes

3AU1.02.15

16

CDR Rules 4.23(1)(a) and (2) require data holders to refer to the accredited person's name using the legal entity name held in the Register during Authorisation.

CDR Rule 4.23(1)(a) and (2)

3AU1.00.16

17

Data holders can meet CX Standard on Authorisation: Account confirm with the account selection step only. The selected accounts do not need to be displayed again on the final confirmation page.

3AU1.02.17

18

For the purposes of CDR Rule 4.23(1)(b), data holders could refer to: • the earliest holding day as specified in the designation instrument; • a more recent date where the data has a shorter historical range. Note 1: For banking sector details on historical data access, refer to Schedule 3, Rules 3.2 (4) and (5), noting the earliest holding day specified in the Authorised Deposit-Taking Institutions designation instrument being 1 January 2017. Note 2: For energy sector details on historical data access, refer to Schedule 4 Rule 3.2(2)(b)(iii), noting the earliest holding day specified in the Energy Sector designation instrument of 1 July 2018. Note 3: A generic date may not be meaningful to a consumer whose data has a shorter historical range. For example, if a consumer only opened an account with a Data Holder on 10 February 2021, a Data Holder may wish to present this more precise and meaningful date for the purposes of 4.23(1)(b).

3AU1.02.18

19

Data holders should use plain language phrases such as 'stop sharing' to refer to how a consumer can withdraw authorisation.

CX Research 29

3AU1.02.19

20

In addition to providing withdrawal instructions, data holders should provide instructions for how to review sharing arrangements.

CX Research 20

3AU1.02.20

21

Data holders should include their CDR policy in the Authorisation flow.

3AU1.02.21

22

Data holders should use terms that align with equivalent authorisation actions already in use in their digital experiences. The chosen language should clearly communicate a final affirmative action to mitigate user error. CX research suggests that terms like 'confirm' and 'authorise' successfully and meaningfully communicate the final affirmative action.

10 Usability Heuristics for User Interface Design: Error prevention (Nielsen)

3AU1.02.22

23

Data holders should redirect the consumer back to the data recipient following the final affirmative action.

3AU1.02.23

24

Data holders should provide a CDR receipt to the consumer after they have authorised to share data. The receipt should provide the consumer with a record of their sharing arrangement and highlight changes to the authorisation. The CDR receipt should be given in writing and available through the data holder consumer dashboard.

CX Research 20

3AU1.02.24

25

If a scenario requires it, Data Holders and Data Recipients MUST merge and amend Basic and Detailed data cluster and permission language to show that Detailed scopes include Basic data. Data Holders and Data Recipients MUST use the alternative language denoted with an '‡' for the relevant scope(s). See the Banking Language section for banking data and the Energy Language section for energy data. Example: A Data Recipient presents the Detailed data cluster in a data request to a consumer, but does not present the Basic data cluster. The Detailed scope includes Basic data, but this is not apparent to the consumer based on the data cluster language and permissions used for the Detailed scope.

Data Language Standards: Common, Data Language Standards: Detailed scope requests

3AU1.02.25

26

Data holders can refer to accounts using recognised nicknames, icons, account numbers, and account type. They can also include information on other elements the account may refer to such as any related plans, services, properties, numbers, and products.

3AU1.01.26