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titleColor	Black
borderStyle	dashed
title	OB Standards

Page Properties

id	9Standards-Production

Implement Open Data v2.2	N/A	Mandated only for the CMA9
Implement Read/Write API Specification v3.1	1429/0302/2020
Implement Customer Experience Guidelines v1.1	14/03/202029 Feb 2020
Implement App-to-App Redirection	N/A	Cynergy Bank does not offer a mobile banking app
Implement OB Security Profile Implementer's Draft v1.1.2	14/03/202029 Feb 2020
Implement FAPI Profile Implementers Draft 2	N/a
Implement CIBA Profile Implementers Draft 1	N/A	Cynergy Bank does not offer a mobile banking app
Implement Dynamic Client Registration v1.1	N/A
Implement Dynamic Client Registration v3.1	14/03/202029 Feb 2020
Decommission Read/Write API Specification v1.x/2.x	N/A14 Mar 2019
Decommission OB Security Profile Implementer's Draft v1.x	N/A

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titleColor	Black
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title	Method of Identification

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id	9ID-Production

Commence support for eIDAS QWAC certificates	14/03/202029 Feb 2020
Commence support for eIDAS QSEAL certificates	14/03/202029 Feb 2020
Commence support for OBIE QWAC-like certificates	14/03/202029 Feb 2020
Commence support for OBIE QSEAL-like certificates	14/03/202029 Feb 2020
Cease support for OBIE non eIDAS-like certificates for transport	N/A29 Feb 2020	Still accepted for previously on-boarded TPPs until 14 Mar 2020
Cease support for OBIE non eIDAS-like certificates for signing	N/A29 Feb 2020	Still accepted for previously on-boarded TPPs until 14 Mar 2020
Support for MTLS token endpoint authentication	14 /03/Mar 2020
Support for private_key_jwt token endpoint authentication	13 /03/Mar 2019
Cease support for client id and client secret token endpoint authentication	N/A

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titleColor	Black
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title	Implementation

Page Properties

id	TC-IMP

Directory?	Open Banking
Location of Well Known Endpoints?	Open Banking technical directory and Cynergy Bank Developer Portal	https://openbanking.cynergybank.co.uk/API/.well-known/openid-configuration
API Standard Implemented?	Open Banking v3.1.1 Open Banking v3.0
Name of Account Holder Implementation Date?	14/03/202029 Feb 2020
Date of Current eIDAS Implementation?	29 Feb 2020	eIDAS, OBWAC/OBSEAL
Current Certificates used for Identification?	eIDAS, QSEAL/OBSEAL
Current Certificates used for Transport?	OBWAC and eIDAS QWAC
Current Certificates used for Signing?	OBSEAL and QSEAL
Date of Future eIDAS Implementation?	No future update currently planned.
Future Certificates used for Identification?	No future update currently planned.
Future Certificates used for Transport?	No future update currently planned.
Future Certificates used for Signing?	No future update currently planned.
Major Milestones	Testing interface Open Banking API standard v3.0 13 /03/Mar 2019 Wide usage interface Open Banking API Standard v3.0 13 /03/Mar 2019 Stress testing (Open Banking API standard v3.0) 30 /06/Jun 2019 Open Banking API standard v3.1.1 14/03/2020 29 Feb 2020 Infrastructure upgrade 13/03/2020 eIDAS 14/03/2020 29 Feb 2020 eIDAS 29 Feb 2020	(Inc Other Products, API Updates, API Deprecations, etc)
Brand(s)
Security Profile?	FAPI 14 /03/Mar 2020
Security Profile Certification?	FAPI 14 /03/Mar 2020
CIBA	N/A	The Bank does not offer a mobile banking app
Using Open Banking as your eIDAS Trust Framework?	No	Cynergy Bank will utilise an independent eIDAS solution provider. Cynergy Bank will also offer OBIE's Dynamic Client Registration
Are you caching the Directory?	No
Transaction IDs	Immutable Transaction ID from Cynergy's Core Banking System

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titleColor	Black
borderStyle	dashed
title	PSD2

Page Properties

id	TC-PSD2

Dispute Management System?	No
FCA Adjustment Period - Maintaining Screen Scraping?	Yes	Until 14 Mar 2020
Seeking Fallback Exemption?	Yes
Adjusted or Fallback Interface?	N/A
Adjusted or Fallback URL?	N/A
Contact Email or Phone Number?	bsmith1@cynergybank.co.uk
Dev Portal URL?	https://openbanking.cynergybank.co.uk
Test Facility Implementation Date?	14 Mar 2019
Production Interface Implementation Date?	14 Mar 2019
Contingency Measures	N/A
Article 10 - Maximum time period after authentication?	If 90 days has elapsed since SCA was applied, the customer will need to re-authenticate. The 90 day period is specific to each AISP and must be distinguished to the 90 day period which applies to customers. Application of SCA to initiate a payment (via a PISP or customer) does not restart the 90 day period.
Article 10 - Endpoints exempt of SCA	Exemption will cover all AISP resources
Authentication Method - Open Banking Channel (Browser)?	AISP: Username + Password (as knowledge factors) + PIN (as knowledge factor) + hard token/soft token (as possession factors )/One time password (to be deprecated ) PISP: Username Username + Password (as knowledge factors) + PIN (as knowledge factor) + hard token/soft token (as possession factors) /	One time password ( to be deprecated ) 14 Mar 2020
Authentication Method - Open Banking Channel (APP)?	N/A	The Bank does not offer a mobile banking app
Authentication Method - Private Channel (Browser)?	AISP: Username + Password (as knowledge factors) + PIN (as knowledge factor) + hard token/soft token (as possession factors) /One time password (to be deprecated) PISP: Username Username + Password (as knowledge factors) + PIN (as knowledge factor) + hard token/soft token (as possession factors) /	One time password ( to be deprecated ) 14 Mar 2020
Authentication Method - Private Channel (APP)?	N/A	The Bank does not offer a mobile banking app
Authentication Method Implementation Date (Open Banking Channel)?	14 Mar 2019 Cynergy Bank is currently rolling out a replacement 2FA service which will be available to all online channels simultaneously at point of deployment2020	One time password to be deprecated 14 Mar 2020
Authentication Method Implementation Date (Private Channel)?	14 Sep 2019 Cynergy Bank will implement the Authentication Method on 13 Jan 2020 however, the Authentication Method won't be switched on until 13 Mar 2020 , once the Bank has provisioned customers for new 2FA services.Mar 2020	One time password to be deprecated 14 Mar 2020
SCA Implementation Date?	14 Mar 2020
SCA Scope? (will it inhibit non PSD2 accounts)	Applicable for all payment account holders with Customer Channel (Online Banking) access. Appli

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titleColor	Black
borderStyle	dashed
title	Key Implementations

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id	TC-HCC

High Cost Credit	TBC

View file

name	HCC.xlsx
height	250

Page Properties

id	TC-W7

Waiver 7 Implementation Date	TBC

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Version	Old Version 24	New Version 25
Changes made by	Adam Pretlove (Unlicensed)	Ibrar Ahmed
Saved on	Jan 13, 2020	Mar 09, 2020

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