I tried Yolt Pay recently. As I understand it, this is Yolt’s implementation of an Open Banking Payment Initiation Service.
What I assumed would happen is I would need to authorize use of Yolt Pay with my bank once and from then on I would be able to make payments without leaving the Yolt app. However, every single time I made a payment I was transferred to my bank’s app to authorise the payment.
Is this a constraint of how payment initiation services have to operate (and therefore every app that implements payment initiation services will have to behave this way) or is it Yolt’s choice to implement it this way? Either way, I’m not sure I see the point. If I have to be transferred to my bank’s app everytime I want to make a payment, I might as well initiate the payment from the bank app.