Why do I have to provide my online banking credentials in the Zinia link-up process?

In order to responsibly assess the affordability of the merchant's customers, purchasing products above a certain amount requires a slightly more rigorous analysis, which involves Open Banking. You will be required to provide your online banking credentials in order to allow us to perform an analysis of your income and expenses. Your banking information will only be used for this purpose and it will be handled with the strictest confidentially.

Plus, if you want to set up a direct debit for the monthly instalments of your payment plans, by law we need to prove that you are the rightful holder of the bank account. As such, the Open Banking account verification process also comes into play here.