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Your customer’s flow depends on the service provider selected and the type of institution connection offered. There are two types of connections: OAuth and Standard (a.k.a. Traditional). OAuth connections tend to be higher fidelity but require a pop-out to the bank’s website for customer authentication. The samples below show the expected behavior per provider so you can set the right UX expectations.

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Service Provider: Plaid, Connection: Traditional

Plaid requires their picker to be shown in addition to Meld’s picker. When possible, Meld signals to Plaid to display a “suggested” lightning bolt next to the institution the customer selected (in the example, Discover).

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Service Provider: Plaid, Connection: OAuth

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Service Provider: Finicity, Connection: Traditional

Finicity users are directed straight to the institution login page and do not need to go through another picker.

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Service Provider: Finicity, Connection: OAuth