sure/app/views/settings/providers/_enable_banking_panel.html.erb

<div class="space-y-4">
  <div class="prose prose-sm text-secondary">
    <p class="text-primary font-medium">Setup instructions:</p>
    <ol>
      <li>Visit your <a href="https://enablebanking.com" target="_blank" rel="noopener noreferrer" class="link">Enable Banking</a> developer account to get your credentials</li>
      <li>Select your country code from the dropdown below</li>
      <li>Enter your Application ID and paste your Client Certificate (including the private key)</li>
      <li>Click Save Configuration, then use "Add Connection" to link your bank</li>
    </ol>

    <p class="text-primary font-medium">Field descriptions:</p>
    <ul>
      <li><strong>Country Code:</strong> ISO 3166-1 alpha-2 country code (e.g., GB, DE, FR) - determines available banks</li>
      <li><strong>Application ID:</strong> The ID generated in your Enable Banking developer account</li>
      <li><strong>Client Certificate:</strong> The certificate generated when you created your application (must include the private key)</li>
    </ul>
  </div>

  <% error_msg = local_assigns[:error_message] || @error_message %>
  <% if error_msg.present? %>
    <div class="p-2 rounded-md bg-destructive/10 text-destructive text-sm overflow-hidden">
      <p class="line-clamp-3" title="<%= error_msg %>"><%= error_msg %></p>
    </div>
  <% end %>

  <%
    enable_banking_item = Current.family.enable_banking_items.first_or_initialize(name: "Enable Banking Connection")
    is_new_record = enable_banking_item.new_record?
    # Check if there are any authenticated connections (have session_id)
    has_authenticated_connections = Current.family.enable_banking_items.where.not(session_id: nil).exists?
  %>

  <%= styled_form_with model: enable_banking_item,
                       url: is_new_record ? enable_banking_items_path : enable_banking_item_path(enable_banking_item),
                       scope: :enable_banking_item,
                       method: is_new_record ? :post : :patch,
                       data: { turbo: true },
                       class: "space-y-3" do |form| %>
    <% if has_authenticated_connections && !is_new_record %>
      <div class="p-3 rounded-md bg-warning/10 text-warning text-sm">
        <p class="font-medium">Configuration locked</p>
        <p class="text-xs mt-1">Credentials cannot be changed while you have active bank connections. Remove all connections first to update credentials.</p>
      </div>
    <% end %>

    <div class="grid grid-cols-2 gap-3">
      <%= form.select :country_code,
                      options_for_select([
                        ["Austria (AT)", "AT"],
                        ["Belgium (BE)", "BE"],
                        ["Bulgaria (BG)", "BG"],
                        ["Croatia (HR)", "HR"],
                        ["Cyprus (CY)", "CY"],
                        ["Czech Republic (CZ)", "CZ"],
                        ["Denmark (DK)", "DK"],
                        ["Estonia (EE)", "EE"],
                        ["Finland (FI)", "FI"],
                        ["France (FR)", "FR"],
                        ["Germany (DE)", "DE"],
                        ["Greece (GR)", "GR"],
                        ["Hungary (HU)", "HU"],
                        ["Iceland (IS)", "IS"],
                        ["Ireland (IE)", "IE"],
                        ["Italy (IT)", "IT"],
                        ["Latvia (LV)", "LV"],
                        ["Liechtenstein (LI)", "LI"],
                        ["Lithuania (LT)", "LT"],
                        ["Luxembourg (LU)", "LU"],
                        ["Malta (MT)", "MT"],
                        ["Netherlands (NL)", "NL"],
                        ["Norway (NO)", "NO"],
                        ["Poland (PL)", "PL"],
                        ["Portugal (PT)", "PT"],
                        ["Romania (RO)", "RO"],
                        ["Slovakia (SK)", "SK"],
                        ["Slovenia (SI)", "SI"],
                        ["Spain (ES)", "ES"],
                        ["Sweden (SE)", "SE"],
                        ["United Kingdom (GB)", "GB"]
                      ], enable_banking_item.country_code),
                      { label: true, include_blank: "Select country..." },
                      { label: "Country", class: "form-field__input", disabled: has_authenticated_connections && !is_new_record } %>

      <%= form.text_field :application_id,
                          label: "Application ID",
                          placeholder: is_new_record ? "Enter application ID" : "Enter new ID to update",
                          value: enable_banking_item.application_id,
                          disabled: has_authenticated_connections && !is_new_record %>
    </div>

    <%= form.text_area :client_certificate,
                        label: "Client Certificate (with Private Key)",
                        placeholder: "-----BEGIN PRIVATE KEY-----\n...\n-----END PRIVATE KEY-----\n-----BEGIN CERTIFICATE-----\n...\n-----END CERTIFICATE-----",
                        rows: 6,
                        class: "form-field__input font-mono text-xs",
                        disabled: has_authenticated_connections && !is_new_record %>

    <% unless has_authenticated_connections && !is_new_record %>
      <div class="flex justify-end">
        <%= form.submit is_new_record ? "Save Configuration" : "Update Configuration",
                        class: "inline-flex items-center justify-center rounded-lg px-4 py-2 text-sm font-medium text-white bg-gray-900 hover:bg-gray-800 focus:outline-none focus:ring-2 focus:ring-gray-900 focus:ring-offset-2 transition-colors" %>
      </div>
    <% end %>
  <% end %>

  <% items = local_assigns[:enable_banking_items] || @enable_banking_items || Current.family.enable_banking_items.where.not(client_certificate: nil) %>
  <% if items&.any? %>
    <%
      # Find the first item with valid session to use for "Add Connection" button
      item_for_new_connection = items.find(&:session_valid?)
      # Check if any item needs initial connection (configured but no session yet)
      item_needing_connection = items.find { |i| !i.session_valid? && !i.session_expired? }
    %>
    <div class="border-t border-primary pt-4 space-y-3">
      <% items.each do |item| %>
        <div class="flex items-center justify-between p-3 rounded-lg bg-container border border-primary">
          <div class="flex items-center gap-3">
            <% if item.session_valid? %>
              <div class="w-2 h-2 bg-success rounded-full"></div>
              <div>
                <p class="text-sm font-medium text-primary"><%= item.aspsp_name || "Connected Bank" %></p>
                <p class="text-xs text-secondary">
                  Session expires: <%= item.session_expires_at&.strftime("%b %d, %Y") || "Unknown" %>
                </p>
              </div>
            <% elsif item.session_expired? %>
              <div class="w-2 h-2 bg-warning rounded-full"></div>
              <div>
                <p class="text-sm font-medium text-primary"><%= item.aspsp_name || "Connection" %></p>
                <p class="text-xs text-destructive">Session expired - reconnect</p>
              </div>
            <% else %>
              <div class="w-2 h-2 bg-secondary rounded-full"></div>
              <div>
                <p class="text-sm font-medium text-primary">Configured</p>
                <p class="text-xs text-secondary">Ready to link accounts</p>
              </div>
            <% end %>
          </div>

          <div class="flex items-center gap-2">
            <% if item.session_valid? %>
              <%= button_to sync_enable_banking_item_path(item),
                            method: :post,
                            class: "inline-flex items-center justify-center rounded-lg px-3 py-1.5 text-xs font-medium text-primary bg-container border border-primary hover:bg-gray-50 transition-colors",
                            data: { turbo: false } do %>
                Sync
              <% end %>
            <% elsif item.session_expired? %>
              <%= button_to reauthorize_enable_banking_item_path(item),
                            method: :post,
                            class: "inline-flex items-center justify-center rounded-lg px-3 py-1.5 text-xs font-medium text-white bg-warning hover:opacity-90 transition-colors",
                            data: { turbo: false } do %>
                Reconnect
              <% end %>
            <% else %>
              <%= link_to select_bank_enable_banking_item_path(item),
                          class: "inline-flex items-center justify-center rounded-lg px-3 py-1.5 text-xs font-medium text-white bg-gray-900 hover:bg-gray-800 transition-colors",
                          data: { turbo_frame: "modal" } do %>
                Connect Bank
              <% end %>
            <% end %>

            <%= button_to enable_banking_item_path(item),
                          method: :delete,
                          class: "inline-flex items-center justify-center rounded-lg px-3 py-1.5 text-xs font-medium text-destructive hover:bg-destructive/10 transition-colors",
                          data: { turbo_confirm: "Are you sure you want to remove this connection?" } do %>
              Remove
            <% end %>
          </div>
        </div>
      <% end %>

      <%# Add Connection button below the list - only show if we have a valid session to copy credentials from %>
      <% if item_for_new_connection %>
        <div class="flex justify-center pt-2">
          <%= button_to new_connection_enable_banking_item_path(item_for_new_connection),
                        method: :post,
                        class: "inline-flex items-center gap-2 justify-center rounded-lg px-4 py-2 text-sm font-medium text-white bg-gray-900 hover:bg-gray-800 transition-colors",
                        data: { turbo_frame: "modal" } do %>
            <%= icon "plus", size: "sm" %>
            Add Connection
          <% end %>
        </div>
      <% end %>
    </div>
  <% end %>
</div>