Why does Qwist differentiate between information services and account information services and initiation services and payment initiation services?

The difference results from the fact that Qwist offers you access to payment accounts (in particular current accounts) regulated by financial supervision law, as well as unregulated access to non-payment accounts (e.g. instant access savings accounts or securities accounts). The former is referred to as account information services/payment initiation services pursuant to financial supervisory law. Information services/initiation services refer to both forms – regulated and unregulated access.