Page Comparison

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title	OB Standards

This Section applies to ASPSPs that have impletemented OB Standards

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id	TC-OB Standards

-Have you Implemented OB Standards?	Yes No
Open Data - Which version have you Implemented?	None V2.2 V2.3 V2.4
Read/Write API Specification Implemented or planning to implement (Lowest version = Current, Highest version = Planned)	V3.0 V3.1 V3.1.1 V3.1.2 V3.1.3 V3.1.4 V3.1.5 V3.1.6 V3.1.7 V3.1.8 V3.1.9 V3.1.10 V3.1.11 V4.0
Read/Write API - Which date are you planning to implement your latest version?	The current Open Banking standard version v.3.1.6 is planned to be updated to the newest version in 2025.
Dynamic Client Registration - Which version have you Implemented or planning to implement? (Lowest version = Current, Highest version = Planned)	None V3.1 V3.2 V3.3	Dynamic Client Registration is available via the TPP Developer Portal of Habib Bank: https://priora.saltedge.com/docs/open_banking/habib_bank_ag_zurich/v3.1/tpp_onboarding#tpp-register
DCR - Which date are you planning to implement your latest version?	The latest DCR version will be implemented along with the latest Open Banking standard version in 2025.
Have you implemented Trusted beneficiaries, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement
Have you implemented Reverse Payments, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement
Have you implemented ECA Standard?	Already Implemented Planning to implement Not planning to implement
ECA Implementation details	Not Applicable	Contact: [enter contact details for the relevant person(s) at your organisation] [You can use this space to provide your status with respect to the Standard]
Have you implemented Bulk/File Payments?	Already Implemented Planning to implement Not planning to implement
Have you implemented VRP – Sweeping, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement
Have you implemented VRP non-Sweeping, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement	Contact: [enter contact details for the relevant person(s) at your organisation] [You can use this space to provide implementation details relevant to VRP]
PISP - Single Payment Limit	Personal £10,000 Business £50,000
PISP - Daily Payment Limit	Personal £10,000 Business £50,000
How many months of transaction do you provide?	No limitations
Are you planning to implement TRIs(Transactional Risk Indicator enhancements included in v3.1.10), if so, implementation date?
What is your approach to Implementing TRIs?	Accept payload with TRI fields – Process all fields Accept payload with TRI fields – Ignore all fields Reject payload with TRI fields – Error back to TPP Accept payload with TRI fields – Process few fields (Provide list of accepted fields)

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title	SCA-RTS 90-day reauth Implementation

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id	SCA-RTS

Which date are you planning on implementing the SCA reauthentication exemption?
What is your approach to token management to enable application of the reauthentication exemption? (see link to FCA guidance)		Example approach: Issue a long-lived refresh token during one final SCA, with refresh token rotation implemented. [Please use this space to provide more details on your approach]
Article 10A - Endpoints exempt of SCA-RTS	Accounts Transactions (90days) Balances Standing orders Direct debits Beneficiaries Products Offers Parties Scheduled Payments Statements
Article 10A - Endpoints not exempt of SCA-RTS	Transactions (more than 90days) Standing orders Direct debits Beneficiaries Products Offers Parties Scheduled Payments Statements
Article 10A - Maximum time period after authentication		Please specify the time period in minutes
SCA-RTS implementation status (updated by OBIE OBL PS team only)		Planned / In-progress / Implemented / TBC

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title	Security Profile

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id	ID-Production

-Which Security profile have you Implemented or planning to implement? (Lowest version = Current, Highest version = Planned)	OB Security Profile (Legacy) FAPI (ID2) FAPI 1 Advanced Other (Please define)	The Open Banking security implemented for Habib Bank is as follows: - Strong Customer Authentication (SCA) - The consent management system applies SCA whenever a customer uses an AISP for the first time. - JWTs contain all the request parameters. The JWTs are signed by the client and can be verified by the authorization server to ensure integrity and non-repudiation.
Security Profile - Next Planned Version Implementation Date	The security profile will be updated along with updating the Open Banking standard version, planned for 2025.
CIBA Profile - Implemented or planning to implement (Lowest version = Current, Highest version = Planned)	None CIBA CIBA FAPI Profile
CIBA Profile - Next Planned Version Implementation Date
Security Profile Certification date?
Token Endpoint Authentication Methods Supported	client_secret_post client_secret_basic client_secret_jwt tls_client_auth Private_key_jwt
Planned date to Cease support for client id and client secret token endpoint authentication
POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)	eIDAS QWAC eIDAS QSealC OB legacy (obtransport, obsigning) OBWAC OBSeal Other (Please define)

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title	Customer Journey

Page Properties

id	TC-CJ

-What is your approach to Implementing OBIE OBL Customer Experience Guidelines (CEG)? (tick all that apply)	Already Implemented Planning to implement or upgrade Not planning to implement CEG
Which version have you implemented or planning to implement? (Lowest version = Current, Highest version = Planned)	V3.1.2 V3.1.3 V3.1.4 V3.1.5 V3.1.6 V3.1.7 V3.1.8 V3.1.9 V3.1.10 V3.1.11 V4.0
Which date are you planning to implement your latest CEG version?	The latest CEG version will be implemented along with the latest Open Banking version in 2025.
Redirection Model	App to App redirection Decoupled authentication Embedded Flow Bespoke User Journeys

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title	PSD2

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id	TC-PSD2

Yes
No

-Which Directory are you using as your Trust Framework?	Open Banking
Are you caching the Directory?	No
Transaction IDs Supported	For consent purposes ASPSPs provide a Unique, Immutable TransactionID from their core system For transaction purposes ASPSPs specify field(s) for TPP to generate a Unique Transaction Identifier	Are you enrolled to Dispute Management System?
Are you Seeking Fallback Exemption?	Yes No	Fallback Exemption was already received by the FCA.
Article 10 - Maximum time period after authentication	The maximum time period for fetching account information after authentication is indicated in the `ExpirationDateTime` parameter included in the /consent request
Article 10 - Endpoints exempt of SCA	Accounts with booking balance information - https://priora.saltedge.com/docs/open_banking/habib_bank_ag_zurich/v3.1/ais#accounts-index Balances - https://priora.saltedge.com/docs/open_banking/habib_bank_ag_zurich/v3.1/ais#accounts-balances Transactions - https://priora.saltedge.com/docs/open_banking/habib_bank_ag_zurich/v3.1/ais#accounts-transactions
Major Milestones	The current Open Banking standard version v.3.1.6 is planned to be updated to the newest version in 2025.
Brand(s)	Habib Bank Zurich Plc

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