class SpiAccountAccess {

    public boolean isEmpty() {
        return CollectionUtils.isEmpty(this.accounts)
                   && CollectionUtils.isEmpty(this.balances)
                   && CollectionUtils.isEmpty(this.transactions)
                   && this.allPsd2 == null
                   && this.availableAccounts == null
                   && this.availableAccountsWithBalance == null;
    }

}