How to add a test external bank account to the test environment at Banno digital.garden-fi?

Question

I need to add an external test account to the Banno test environment (https://digital.garden-fi.com/). I saw that it is using Mastercard's finicity to link external accounts, which according to the following link https://docs.finicity.com/test-the-apis/ should work using username:demo and password:go but I am getting this error:

I'm assuming garden-fi is using a "production" user, so we can't link test accounts. Does anyone know a solution for this problem? I need to test the features I'm developing with an external account in the Garden-fi test environment.

Answer 1

Short answer

Linking test users from the Garden demo institution with Finicity isn't supported.

Longer answer

In this case, the reasons behind that limitation are based on the fact that "Production" is in the eye of the beholder.

From Jack Henry's standpoint, the Garden environment runs production code but for a demo institution. The 'demo institution' nature means that that users in Garden are test users (per Accessing the Digital Toolkit).

From Finicity's standpoint, the users described in https://docs.finicity.com/test-the-apis/ are test users. Finicity doesn't have a way to determine that Garden users are test users and can't differentiate them from production users at a real institution.

• As an aside, it would be interesting to have that level of cooperation between dev/test environments across companies in the future, but that's not in place today.