TRANSUNION INTERNATIONAL UK LIMITED

TransUnion Open Banking

TransUnion Open Banking is an end-to-end solution to utilise Open Banking, including a hosted consent screen flow, API exchange and data processing.

Features

  • Co-branded hosted screen flow to gather consent
  • Simple integration to existing screen flow
  • API exchange to banks
  • Categorisation of Open Banking data
  • Affordability and creditworthiness insight
  • Data delivery via API

Benefits

  • Easily integrated into existing services, reducing IT costs
  • Easier for consumer to share bank statement information
  • Less time spent understanding manual proofs

Pricing

£20,000 a licence a year

Service documents

Request an accessible format
If you use assistive technology (such as a screen reader) and need versions of these documents in a more accessible format, email the supplier at mark.pestereff@transunion.com. Tell them what format you need. It will help if you say what assistive technology you use.

Framework

G-Cloud 12

Service ID

3 0 9 2 8 8 8 7 2 5 6 1 5 9 4

Contact

TRANSUNION INTERNATIONAL UK LIMITED Mark Pestereff
Telephone: 07773 212093
Email: mark.pestereff@transunion.com

Service scope

Software add-on or extension
No
Cloud deployment model
Hybrid cloud
Service constraints
N/A
System requirements
  • Integrates into an existing web journey
  • Statement data is transmitted via API

User support

Email or online ticketing support
Email or online ticketing
Support response times
24 hours
User can manage status and priority of support tickets
No
Phone support
No
Web chat support
No
Onsite support
No
Support levels
N/A
Support available to third parties
No

Onboarding and offboarding

Getting started
N/A
Service documentation
Yes
Documentation formats
PDF
End-of-contract data extraction
N/A
End-of-contract process
Service is decommissioned

Using the service

Web browser interface
Yes
Supported browsers
  • Internet Explorer 7
  • Internet Explorer 8
  • Internet Explorer 9
  • Internet Explorer 10
  • Internet Explorer 11
  • Microsoft Edge
  • Firefox
  • Chrome
  • Safari 9+
  • Opera
Application to install
No
Designed for use on mobile devices
Yes
Differences between the mobile and desktop service
Screens render based on device
Service interface
No
API
Yes
What users can and can't do using the API
Screen flow and data exchange is via API
API documentation
Yes
API documentation formats
PDF
API sandbox or test environment
Yes
Customisation available
Yes
Description of customisation
Screen flow wording and logos can be customised

Scaling

Independence of resources
Effective performance management of the solution

Analytics

Service usage metrics
Yes
Metrics types
Telemetry details are provided
Reporting types
Regular reports

Resellers

Supplier type
Not a reseller

Staff security

Staff security clearance
Conforms to BS7858:2012
Government security clearance
Up to Developed Vetting (DV)

Asset protection

Knowledge of data storage and processing locations
Yes
Data storage and processing locations
European Economic Area (EEA)
User control over data storage and processing locations
No
Datacentre security standards
Complies with a recognised standard (for example CSA CCM version 3.0)
Penetration testing frequency
At least once a year
Penetration testing approach
‘IT Health Check’ performed by a Tigerscheme qualified provider or a CREST-approved service provider
Protecting data at rest
  • Encryption of all physical media
  • Other
Other data at rest protection approach
Strong logical access control. Access is given based on least privilege and a need to know basis.
Protective monitoring and event management using LogRhythm as a SIEM.
Sourcefire & Palo Alto IDS.
Checkpoint firewalls.
Monthly vulnerability scanning programme of work.
ISO27001 and PCI DSS compliant.
Data sanitisation process
Yes
Data sanitisation type
Explicit overwriting of storage before reallocation
Equipment disposal approach
A third-party destruction service

Data importing and exporting

Data export approach
N/A
Data export formats
Other
Data import formats
Other

Data-in-transit protection

Data protection between buyer and supplier networks
Other
Other protection between networks
N/A
Data protection within supplier network
TLS (version 1.2 or above)

Availability and resilience

Guaranteed availability
Availability guidelines will be developed later this year (2020).
Approach to resilience
The service has a full DR failover capability in case of service outage. The system has been designed with telematics and monitoring so we can monitor resilience.
Outage reporting
Via our support desk.

Identity and authentication

User authentication needed
Yes
User authentication
  • 2-factor authentication
  • Other
Other user authentication
Each user will have a unique username and password provided along with company name. TransUnion also utilises the control of IP white listing and 24/7 security monitoring.
Access restrictions in management interfaces and support channels
A policy of least privilege access is applied across the group to ensure employees only have access to what is required - this is regularly reviewed. Any privileged accounts are rigorously checked both prior to granting access, during use and on termination of permissions. Users come under multiple levels of policy regarding accounts and device usage. Networks are highly segmented with monitoring for inter-segment violations. Any sensitive systems are housed in dedicated secure environments.
Access restriction testing frequency
At least once a year
Management access authentication
2-factor authentication

Audit information for users

Access to user activity audit information
Users have access to real-time audit information
How long user audit data is stored for
User-defined
Access to supplier activity audit information
Users have access to real-time audit information
How long supplier audit data is stored for
User-defined
How long system logs are stored for
User-defined

Standards and certifications

ISO/IEC 27001 certification
Yes
Who accredited the ISO/IEC 27001
BSI
ISO/IEC 27001 accreditation date
01/06/2018
What the ISO/IEC 27001 doesn’t cover
Nothing is out of scope
ISO 28000:2007 certification
No
CSA STAR certification
No
PCI certification
Yes
Who accredited the PCI DSS certification
Payment Software Company
PCI DSS accreditation date
06/11/2019
What the PCI DSS doesn’t cover
Any area that does not have card data going through it.
Other security certifications
Yes
Any other security certifications
  • ISO20000
  • ISO27001
  • ISO9001

Security governance

Named board-level person responsible for service security
Yes
Security governance certified
Yes
Security governance standards
  • ISO/IEC 27001
  • Other
Other security governance standards
ISO9001
Information security policies and processes
All policies and processes required for ISO27001.

Operational security

Configuration and change management standard
Conforms to a recognised standard, for example CSA CCM v3.0 or SSAE-16 / ISAE 3402
Configuration and change management approach
Designated Change Management team in place and certified to ISO20000.
Vulnerability management type
Conforms to a recognised standard, for example CSA CCM v3.0 or SSAE-16 / ISAE 3402
Vulnerability management approach
Monthly vulnerability scanning and remediation process.
Protective monitoring type
Conforms to a recognised standard, for example CSA CCM v3.0 or SSAE-16 / ISAE 3402
Protective monitoring approach
24/7 monitoring by SoC team using LogRhythm SIEM technology.
Incident management type
Conforms to a recognised standard, for example, CSA CCM v3.0 or ISO/IEC 27035:2011 or SSAE-16 / ISAE 3402
Incident management approach
Aligned to ISO27001 and ISO20000.

Secure development

Approach to secure software development best practice
Independent review of processes (for example CESG CPA Build Standard, ISO/IEC 27034, ISO/IEC 27001 or CSA CCM v3.0)

Public sector networks

Connection to public sector networks
No

Pricing

Price
£20,000 a licence a year
Discount for educational organisations
No
Free trial available
No

Service documents

Request an accessible format
If you use assistive technology (such as a screen reader) and need versions of these documents in a more accessible format, email the supplier at mark.pestereff@transunion.com. Tell them what format you need. It will help if you say what assistive technology you use.