Open Banking Consent, Control & Trust Survey

Welcome! Thank you for taking part in this survey about your experiences with banking data sharing and open banking. This voluntary survey takes approximately 13 minutes. There are no right or wrong answers — we are simply interested in your honest opinions and experiences. Your responses are confidential, fully anonymized, and will only be reported in aggregate for research purposes. You may stop at any time.

Do you currently have at least one active bank or credit union account?

• Yes
• No

How many bank or credit union accounts do you actively use?

• 1
• 2
• 3
• 4
• 5 or more

In the past 3 months, which banking channels have you used? (Select all that apply)

• Mobile app
• Desktop/online banking website
• In-person branch
• Phone support or IVR
• ATM
• Other (please specify)

In the last 12 months, which types of apps or services have you connected to your bank account? (Select all that apply)

• Budgeting or money management
• Payments or peer-to-peer transfers
• Investment or robo-advisor
• Lending, credit, or buy-now-pay-later
• Tax preparation
• Price comparison or switching
• Accounting or bookkeeping
• Other (please specify)
• None of the above

How familiar are you with the term "open banking"?

In the last 12 months, where have you seen explanations about sharing your bank data with apps or services? (Select all that apply)

• Bank app consent screen
• Third-party app consent screen
• Email or notification from my bank
• Email or notification from the app
• Bank website help/FAQ
• App website help/FAQ
• Social media or ads
• News articles or blogs
• I don't recall seeing any

The next few questions ask about consent screens — the screens you see when connecting an app to your bank account. If you haven't seen one recently, please answer based on your best recollection or expectation.

How clear was the consent screen in explaining what specific data would be shared?

How clear was the consent screen in explaining who would receive your data?

How clear was the consent screen in explaining how long the app would have access to your data?

How clear was the consent screen in explaining how to revoke access?

How clear was the consent screen in explaining the purpose for which your data would be used?

Please rank the following data-sharing control features by how important they are to you. Drag the most important to the top.

1. Set an expiry date for access
2. Choose specific data categories (e.g., balances only)
3. One-tap revoke access anytime
4. App-level permissions for each provider
5. Activity log or notifications of data access
6. Downloadable audit trail of access

In your opinion, how often should apps be required to re-request your permission to continue accessing your bank data?

• Every login
• Every 30 days
• Every 90 days
• Every 6 months
• Every 12 months
• Only when the data scope changes
• Never, unless I revoke access myself

Which of the following consent defaults would you prefer when connecting an app to your bank account?

• Nothing connects until I actively opt in
• Consent is pre-selected but I can opt out before connecting
• Connection happens automatically with a notice sent afterward

How confident are you in your ability to manage privacy settings online?

When deciding whether to connect an app to your bank account, please rank the following factors by importance. Drag the most important to the top.

1. Data security and privacy
2. Clear explanation of how data will be used
3. Trust in the company behind the app
4. App usefulness and features
5. Time or convenience gained
6. Savings, cashback, or rewards

How much do you trust your primary bank to handle your data responsibly?

How much do you trust fintech startups (e.g., budgeting apps, neobanks) to handle your data responsibly?

How much do you trust large technology companies (e.g., Apple, Google) to handle your data responsibly?

How much do you trust government regulators to protect your banking data?

We'd like to understand your perspective a bit more. An AI moderator will ask you a couple of follow-up questions about your experiences and feelings regarding banking data sharing.

Based on your responses in this survey, is there anything about open banking or bank data sharing that feels unclear or concerning to you? Please share any additional thoughts.

In which region do you currently live?

• Africa
• Asia
• Europe
• Latin America & Caribbean
• Middle East
• North America
• Oceania
• Prefer not to say

What is your age?

• 18–24
• 25–34
• 35–44
• 45–54
• 55–64
• 65+
• Prefer not to say

How do you describe your gender?

• Woman
• Man
• Non-binary
• Prefer not to say

What is the highest level of education you have completed?

• Less than high school
• High school or equivalent
• Some college or vocational training
• Bachelor's degree
• Graduate or professional degree
• Prefer not to say

What is your current employment status?

• Full-time
• Part-time
• Self-employed
• Student
• Unemployed
• Retired
• Prefer not to say

Thank you for completing this survey! Your feedback will help improve the clarity, transparency, and safety of bank data-sharing experiences.