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titleImplementation


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idTC-IMP


Directory?

Open Banking

Location of Well Known Endpoints?

Open Banking Technical DirectoryDev Portal

API Standard Implemented?

Open Banking v3.1

Name of Account Holder Implementation Date?

TBC
Supported identification method?MTLS against OB Certificates, Investigating implementation of eIDAS certificates at present with a view towards implementation pre September.

Major Milestones

Releasing at Version 3.1, no plans for subsequent versions as of yet.(Inc Other Products, API Updates, API Deprecations, etc)
Security Profile?Open Banking
Security Profile Certification?Yes

CIBA

N/A
Using Open Banking as your eIDAS Trust Framework?Yes
Are you caching the Directory?No
Transaction IDsOption 1




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titleCustomer Journey


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idTC-CJ


Implementing Customer Experience Guidelines?

Yes

Implementing Bespoke User Journeys?

No

Implementing App to App?

No
App to App Implementation Date?No

Options on 90 day re-authentication?

Same as our online journey. PSU needs to re-authenticate as per standard Open Banking AIS journey (TPP will redirect PSU to AlphaFX login screen, select account, re-authenticate, redirected back to app)

Support Embedded Flow?

No



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titlePSD2


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idTC-PSD2


Dispute Management System?

Yes No (See notes)We have our own operational process in place but are going to evaluate whether it would be better served utilising the DMS.
FCA Adjustment Period - Maintaining Screen Scraping?No

Seeking Fallback Exemption?

Yes

Adjusted or Fallback Interface?

We are planning to scope the work required for a fallback interface should the exemption fail so that the interface fallback can be confirmed as possible within the required 2 month window. If exemption is achieved we’ll keep the implementation plan for the fallback in place for the possible revocation of the exemption.


Adjusted or Fallback URL?N/A
Contact Email or Phone Number?-
Dev Portal URL?https://developer.alpha-fx.co.uk/

Test Facility Implementation Date?

 
Production Interface Implementation Date? 
Contingency Measures

Article 10 - Maximum time period after authentication?

Article 10 - Endpoints exempt of SCA

Authentication Method - Open Banking Channel (Browser)?

Login credentials (Username and password) + SMS OTP to begin with, then as we move to our SCA solution we will have:

Biometric + Trusted device

Password + Trusted Device

SMS OTP + Password (for clients without our mobile app)

Authentication Method - Open Banking Channel (APP)?

See Authentication Method - Open Banking Channel (Browser)? above


Authentication Method - Private Channel (Browser)?

See Authentication Method - Open Banking Channel (Browser)? above


Authentication Method - Private Channel (APP)?

See Authentication Method - Open Banking Channel (Browser)? above


Authentication Method Implementation Date (Open Banking Channel)?

TBC

Authentication Method Implementation Date (Private Channel)?

TBC

SCA Implementation Date?

 

SCA Scope? (will it inhibit non PSD2 accounts)

PSD2 Accounts only



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