Consent at the Core: Powering Open Banking and Pay-By-Bank Use Cases through CIAM

In the era of Open Banking, trust is currency. At Family Bank Kenya, we’ve made customer consent the foundation of our digital trust strategy by implementing a robust Customer Identity and Access Management (CIAM) architecture.

This session explores how we built a scalable, consent-driven IAM framework to support Open Banking use cases, with a special focus on our flagship Pay-By-Bank feature. We’ll walk you through the architectural foundations of our CIAM deployment, the role of consent orchestration, and how we enabled a seamless experience for both merchants and customers.

Customers can now securely authorize payments and data access via a Consent Management Portal or through our Mobile App—bridging compliance, user experience, and developer agility. Whether you’re navigating PSD2-like regulation, building API ecosystems, or deploying fine-grained access controls, this talk will provide practical insights and architectural patterns to apply in your own organization.