Where the end user has already successfully connected to their bank and the bank requires some form of MFA (multi-factor authentication), login reconnect allows for the DirectID widget to be started at the bank login form so their bank transactions can be refreshed or updated. The user enters their details again and it connects using the same user ID therefore allowing the transactions to be added to the transactions previously retrieved. There are also fewer steps involved in the widget when compared to setting up a new connection to the bank.