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titleOB Standards

This Section applies to ASPSPs that have implemented OB Standards

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idTC-OB Standards9Standards-Production
Implement Open Data v2.2N/AMandated only for the CMA9
Implement Read/Write API Specification v3.1

29/02/2020

Implement Customer Experience Guidelines v1.1 
Implement App-to-App RedirectionN/ACynergy Bank does not offer a mobile banking app
Implement OB Security Profile Implementer's Draft v1.1.2

 

Implement FAPI Profile Implementers Draft 2N/a
Implement CIBA Profile Implementers Draft 1N/ACynergy Bank does not offer a mobile banking app
Implement Dynamic Client Registration v1.1N/AImplement Dynamic Client Registration v3.1 Decommission Read/Write API Specification v1.x/2.x Decommission OB Security Profile Implementer's Draft v1.xN/A
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titleMethod of Identification
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id9ID-Production
Commence support for eIDAS QWAC certificates Commence support for eIDAS QSEAL certificates
 

Commence support for OBIE QWAC-like certificates

 Commence support for OBIE QSEAL-like certificates 
Cease support for OBIE non eIDAS-like certificates for transport Still accepted for previously on-boarded  TPPs until  
Cease support for OBIE non eIDAS-like certificates for signing Still accepted for previously on-boarded TPPs until  
Support for MTLS token endpoint authentication Support for private_key_jwt token endpoint authentication Cease support for client id and client secret token endpoint authenticationN/A
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titleImplementation
Immutable Transaction ID from Cynergy's Core Banking System
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Directory?

Open Banking

Location of Well Known Endpoints?

Open Banking technical directory and Cynergy Bank Developer Portalhttps://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?

 Date of Current eIDAS Implementation? eIDAS, OBWAC/OBSEALCurrent Certificates used for Identification?

eIDAS, QSEAL/OBSEAL

Current Certificates used for Transport?OBWAC and eIDAS QWACCurrent Certificates used for Signing?OBSEAL and QSEALDate 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  
Wide usage interface Open Banking API Standard v3.0  
Stress testing (Open Banking API standard v3.0)  
Open Banking API standard v3.1.1  
Infrastructure upgrade  

eIDAS  

(Inc Other Products, API Updates, API Deprecations, etc)Brand(s)Security Profile?FAPI  Security Profile Certification?FAPI  

CIBA

N/AThe Bank does not offer a mobile banking appUsing Open Banking as your eIDAS Trust Framework?NoCynergy Bank will utilise an independent eIDAS solution provider. Cynergy Bank will also offer OBIE's Dynamic Client RegistrationAre you caching the Directory?NoTransaction IDs
-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?

Have you implemented v4.0 information flows, if not date planned to Implement?

  •  Already Implemented
  •  Planning to implement
  •  Not planning to implement 

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

DCR - Which date are you planning to implement your latest version?

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


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£10,000[Personal Account]
£50,000[Business Account]
PISP - Daily Payment Limit£10,000[Personal Account]
£50,000[Business Account]
How many months of transaction do you provide?12
Have you implemented TRIs (Transactional Risk Indicators), if not, date planned to Implement?No Plan at this time
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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titleSCA-RTS 90-day reauth Implementation


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Which date are you planning on implementing the SCA reauthentication exemption?

Q2 2024[Implementation of 3.1.10]

What is your approach to token management to enable application of the reauthentication exemption? (see link to FCA guidance)

Approach to Article 10A implementation work in progress. Planned for Q2 2024.

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

Approach to Article 10A implementation work in progress. Planned for Q2 2024.
Article 10A - Endpoints not exempt of SCA-RTS
  •  

    Transactions (more than 90days)

  •  

    Standing orders

  •  

    Direct debits

  •  

    Beneficiaries

  •  

    Products

  •  

    Offers

  •  

    Parties

  •  

    Scheduled Payments

  •  

    Statements

Approach to Article 10A implementation work in progress. Planned for Q2 2024.
Article 10A - Maximum time period after authentication  Implemented60 minutes
SCA-RTS implementation status (updated by OBL PS team only)


Planned / In-progress / Implemented / TBC




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titleSecurity Profile


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-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) 

Security Profile - Next Planned Version Implementation Date

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 authenticationN/A
POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)
  •  eIDAS QWAC
  •  eIDAS QSealC
  •  OB legacy (obtransport, obsigning)
  •  OBWAC
  •  OBSeal
  •  Other (Please define) 




N/A
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titleCustomer Journey


Implementing Bespoke User Journeys?

N/A 
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-What is your approach to Implementing OBL Customer Experience Guidelines (CEG)?

Yes

No

Implementing App to App?

N/ACynergy Bank does not offer a mobile banking app
App to App Implementation Date?

(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?

Redirection Model
  •  App to App redirection
  •  Decoupled authentication
  •  Embedded Flow
  •  Bespoke User Journeys
Cynergy Bank does not offer a mobile banking app

Options on 90 day re-authentication?

90 day consent model as per SCA-RTS Article 10

Support Embedded Flow?




N/A
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Dispute Management System?

No
FCA Adjustment Period - Maintaining Screen Scraping?YesUntil  
-Which Directory are you using as your Trust Framework?Cynergy Bank will utilise an independent eIDAS solution provider(Banfico). Cynergy Bank will also offer OBIE's Dynamic Client Registration
Are you caching the Directory?No
Transaction IDs SupportedImmutable Transaction ID from Cynergy's Core Banking System

Are you Seeking Fallback Exemption?

Yes

Adjusted or Fallback Interface?

N/AAdjusted or Fallback URL?N/AContact Email or Phone Number?bsmith1@cynergybank.co.ukDev Portal URL?https://openbanking.cynergybank.co.ukTest Facility Implementation Date? Production Interface Implementation Date? Contingency Measures
  •  Yes
  •  No


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)

PISP: Username + Password (as knowledge factors) + PIN (as knowledge factor) + hard token/soft token (as possession factors)One time password to be deprecated  

Authentication Method - Open Banking Channel (APP)?

N/AThe 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)

PISP: Username + Password (as knowledge factors) + PIN (as knowledge factor) + hard token/soft token (as possession factors)One time password to be deprecated  

Authentication Method - Private Channel (APP)?

N/AThe Bank does not offer a mobile banking app

Authentication Method Implementation Date (Open Banking Channel)?

 One time password to be deprecated  

Authentication Method Implementation Date (Private Channel)?

 One time password to be deprecated  

SCA Implementation Date?

 

SCA Scope? (will it inhibit non PSD2 accounts)

Applicable for all payment account holders with Customer Channel (Online Banking) access.

No


Major Milestones

Testing interface Open Banking API standard v3.0  
Wide usage interface Open Banking API Standard v3.0  
Stress testing (Open Banking API standard v3.0)  
Open Banking API standard v3.1.1  
Infrastructure upgrade  

eIDAS  


Brand(s)




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Location of Well Known Endpoints

Open Banking technical directory and Cynergy Bank Developer Portal

https://openbanking.cynergybank.co.uk/API/.well-known/openid-configuration


Modified Customer Interface URL (if applicable)



Dev Portal URLhttps://openbanking.cynergybank.co.uk
Test Facility URL

Brand Landing Pages URL
[You can use this space to explain your guidance on using Brand logos]

ASPSP Support Desk Email or Phone Number

(including queries about consent success rates) 

obaccadmin@cynergybank.co.uk




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titleKey Implementations


TBC

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High Cost Credit

TBCImplemented 30 Nov 2019 

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idTC-W7

After Waiver 7 Expiry (16/06/20) option supported: Option 1 - The parameter b64 being set to FALSE OR Option 2 - The b64 claim not being in the header