In this episode:
The 1-cent real-time bank transfer submits the access PIN in the background in accordance with JMStV and GlüStV.
After SCHUFA IdentityCheck, SCHUFA BirthdataCheck and SCHUFA Account NumberCheck, the access PIN is automatically transferred to the user’s account. The user confirms the PIN from their home banking client in the insic widget or via the insic API.