Page Comparison

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title	OB Standards

This Section applies to ASPSPs that have implemented OB Standards

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id	TC-OB Standards-Production

Implement Open Data v2.2

Implement Read/Write API Specification v3.1

Implement Customer Experience Guidelines v1.1

Implement App-to-App Redirection

Implement OB Security Profile Implementer's Draft v1.1.2

Implement FAPI Profile Implementers Draft 2

Implement CIBA Profile Implementers Draft 1

Implement Dynamic Client Registration v1.1

Implement Dynamic Client Registration v3.1

Decommission Read/Write API Specification v1.x/2.x

Decommission OB Security Profile Implementer's Draft v1.x

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title	Method of Identification

Cease support for client id and client secret token endpoint authentication

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id	ID-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

Cease support for OBIE non eIDAS-like certificates for signing

Support for MTLS token endpoint authentication

Support for private_key_jwt token endpoint authentication

-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	TBUK uses Token.io’s standards which are aligned with Open Banking Standards
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	£
PISP - Daily Payment Limit	£
How many months of transaction do you provide?
Have you implemented TRIs (Transactional Risk Indicators), if not, date planned to Implement?
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

Page Properties

id	TC-IMP

Page Properties

id	TC-IMP

Directory?

Open Banking

Location of Well Known Endpoints?

OB Technical Directory

API Standard Implemented?

Open Banking

Sandbox Environment – App Creation by TPP and after TBUK Approval

Production Environment – App Creation by TPP and after TBUK Approval

Name of Account Holder Implementation Date?

N/A

Supported identification method?

MTLS with eIDAS Certificates

Major Milestones

-

Security Profile?

Security Profile Certification?

CIBA

No

Using Open Banking as your eIDAS Trust Framework?

No

Are you caching the Directory?

No

Transaction IDs

ASPSPs provide a Unique, Immutable TransactionID from their core system
ASPSPs generate a Unique TransactionID from a set of Immutable fields
ASPSPs specify field(s) for TPP to generate a Unique Transaction Identifier
ASPSPs provide neither a TransactionID nor the method by which TPPs can generate one

	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 OBL PS team only)		Planned / In-progress / Implemented / TBC

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title	Security Profile

Page Properties

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)
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 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 OBL Customer Experience Guidelines

?

Yes

Implementing Bespoke User Journeys?

No

Implementing App to App?

Yes

App to App Implementation Date?

N/A

Options on 90 day re-authentication?

90 day Re-Authentication

In line with RTS (If customer logs in after 90 days then they will be prompted to re-authenticate for Consent.)

Support Embedded Flow?

No

(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?	TBC
Redirection Model	App to App redirection Decoupled authentication Embedded Flow Bespoke User Journeys

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title	PSD2

TBCPlease specify the location of the guidance that explains your strategy and plans for when your dedicated interface is unavailable. This should be a URL to your dev portal or artefact that provides TPPs with the information they require

Page Properties

id	TC-PSD2

Dispute Management System?

FCA Adjustment Period - Maintaining Screen Scraping?

Seeking Fallback Exemption?

Yes

Adjusted or Fallback Interface?

No

Adjusted or Fallback URL?

N/A

Contact Email or Phone Number?

Dev Portal URL?

Test Facility Implementation Date?

June 2019

Production Interface Implementation Date?

October 2019

Contingency Measures

Article 10 - Maximum time period after authentication
-Which Directory are you using as your Trust Framework?	Open Banking
Are you caching the Directory?	No
Transaction IDs Supported	TBC
Are you Seeking Fallback Exemption?	Yes No

?Please specify how long the AISP has from the time when they receive the access token (after PSU authentication). This is the period the AISP must submit their first request before SCA will be re-applied to endpoints NOT exempt of SCA under Article 10. ASPSPs should consider that this timeline is consistent with the time limit applied by the ASPSP in the existing online PSU interface (i.e. before the PSU is logged out)

Authentication Method - Open Banking Channel (Browser)?

Credentials + OTP

Authentication Method - Open Banking Channel (APP)?

Credentials + OTP

Authentication Method - Private Channel (Browser)?

Credentials + OTP

Authentication Method - Open Banking Channel (APP)?

Credentials + OTP

Authentication Method Implementation Date (Open Banking Channel)?

September 2019

Authentication Method Implementation Date (Private Channel)?

September 2019

SCA Implementation Date?

September 2019

SCA Scope? (will it inhibit non PSD2 accounts)

No

Article 10 - Endpoints exempt of SCA
	90 Days

Please specify which AIS endpoints will be exempt from SCA under Article 10. (delete as appropriate): Accounts, Balances, Transactions, Beneficiaries, Direct Debits, Standing Orders, Products, Offers, Parties, Scheduled Payments, Statements

Exemption covers all AIS endpoints

Major Milestones

June 2019 for test facility

October 2019 for production APIs

Brand(s)

Versions Compared

Old Version 4

New Version Current

Key