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titleOB Standards

This Section applies to ASPSPs that have implemented OB Standards


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idTC-OB Standards-Production
Implement Open Data v2.2N/ANot Implemented
Implement Read/Write API Specification v3.1 Implement Customer Experience Guidelines v1.1 Implement App-to-App RedirectionNov 2020Implement OB Security Profile Implementer's Draft v1.1.2TBCImplement FAPI Profile Implementers Draft 2TBC
Implement CIBA Profile Implementers Draft 1N/ANot Implemented
Implement Dynamic Client Registration v1.1N/ANot Implemented
Implement Dynamic Client Registration v3.1TBC
Decommission Read/Write API Specification v1.x/2.xN/ANot Implemented
Decommission OB Security Profile Implementer's Draft v1.xN/ANot Implemented
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titleMethod of Identification
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idID-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 transportTBCCease support for OBIE non eIDAS-like certificates for signingTBCSupport for MTLS token endpoint authentication Support for private_key_jwt token endpoint authenticationMar 2020Cease support for client id and client secret token endpoint authenticationN/A
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titlePost Brexit Certificate Implementation
  •  eIDAS QWAC
  •  eIDAS QSealC
  •  OB legacy (obtransport, obsigning)
  •  OBWAC
  •  OBSeal
  •  Other (Please define) 
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idStandards-Production
PRE-BREXIT - Certificates Accepted (until 31st Dec 2020)
  •  eIDAS QWAC
  •  eIDAS QSealC
  •  OB legacy (obtransport, obsigning)
  •  OBWAC
  •  OBSeal
  •  Other (Please define) 
POST-BREXIT TRANSITION - Certificates Accepted (1st Jan 2021 - 30th Jun 2021)


-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

We have only implemented the following API's:

AISP:

Account Access Consents v3.1.9

Accounts v3.1.9

Balances v3.1.9

Transactions v3.1.9

Beneficiaries v3.1.9

Direct Debits v3.1.9

Standing Orders v3.1.9

Party v3.1.9

Scheduled Payments v3.1.9

Statements v3.1.9

PISP:

Domestic Payments v3.1.9

Domestic Scheduled Payment v3.1.9

Domestic Standing Orders v3.1.9

CPBII:

Funds Confirmation Consent v3.1.9

Funds Confirmation v3.1.9

DCR:

Dynamic Client Registration v3.2

Read/Write API - Which date are you planning to implement your latest version?
Currently reviewing v3.1.11, possible implementation 2024

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?
Currently reviewing v3.3 possible implementation 2024

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?90 days
Have you implemented TRIs (Transactional Risk Indicators), if not, date planned to Implement?
Currently reviewing requirement possible implementation 2024
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?

Implemented Nov '22

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

Consent provided unless life event requires revocation.

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 authentication10Please specify the time period in minutes
SCA-RTS implementation status (updated by OBL PS team only)

Status
colourGreen
titleImplemented

Planned / In-progress / Implemented / TBC




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titleSecurity Profile


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idID-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) 
Planned Implementation Date to Satisfy FCA's Post TransitionTPP PSU Migration Outcomes SupportedPOST-BREXIT Certificate Implementation Status (updated by OBIE IES team)




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titleImplementationCustomer Journey


idCurrently being investigated by our TSP
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idTC-IMP
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CJ


TC-IMP

Directory?

Open Banking

Location of Well Known Endpoints?

OB Technical Directory

API Standard Implemented?

Open Banking

Name of Account Holder Implementation Date?

TBCDate of Current eIDAS Implementation?Mar 2020Current Certificates used for Identification?

OB Certs, eIDAS

Current Certificates used for Transport?OB Certs, eIDAS, QWACCurrent Certificates used for Signing?OBSEAL, eIDAS, QSEALDate of Future eIDAS Implementation?No future update currently planned.Future Certificates used for Identification?eIDAS QWACFuture Certificates used for Transport?Future Certificates used for Signing?eIDAS QSEAL

Major Milestones

App2App - Nov 2020Brand(s)Arbuthnot LathamSecurity Profile?Security Profile Certification?

CIBA

NoUsing Open Banking as your eIDAS Trust Framework?TBC

-What is your approach to Implementing 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?TBC
Redirection Model
  •  App to App redirection
  •  Decoupled authentication
  •  Embedded Flow
  •  Bespoke User Journeys




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titlePSD2


No
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idTC-PSD2
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Implementing Customer Experience Guidelines?

Yes

Current CEG Version?Next CEG Version?Next Version Implementation Date

Implementing Bespoke User Journeys?

No

Implementing App to App?

Nov 2020
App to App Implementation Date?TBCCurrently being investigated by our TSP

Options on 90 day re-authentication?

90 day Re-authentication

Support Embedded Flow?

-Which Directory are you using as your Trust Framework?Open Banking
Are you caching the Directory?No
Transaction IDs SupportedTBC
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titleCustomer Journey

Are you Seeking Fallback Exemption?

  •  Yes
  •  No


Article 10 - Maximum time period after authenticationOpen ended
Article 10 - Endpoints exempt of SCA

Major MilestonesApp2App - Feb 2021
Brand(s)Arbuthnot Latham




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titlePSD2ASPSP Dev Portal and Contact Details


Dev Portal URL?Yes in Online Banking but Non PSD2 accounts wil not be available for Open Banking. 
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Dispute Management System?

YesFCA Adjustment Period - Maintaining Screen Scraping?No

Seeking Fallback Exemption?

Yes

Adjusted or Fallback Interface?

NoAdjusted or Fallback URL?N/A
Contact Email or Phone Number?TPPsupport@arbuthnot.co.ukPlease use this contact for any queries, issues or support requests.
C


Location of Well Known Endpoints

Sandbox - 

https://ob-sb.arbuthnotlatham.co.uk/digx-auth/ext/.well-known/openid-configuration

Production - 

https://ob.arbuthnotlatham.co.uk/digx-auth/ext/.well-known/openid-configuration


Modified Customer Interface URL (if applicable)



Dev Portal URLhttps://www.arbuthnotlatham.co.uk/developers/
Test Facility
Implementation Date?
 Production Interface Implementation Date?  - Currently Live Proving (Whitelisting in Place)Contingency MeasuresArticle 10 - Maximum time period after authentication?90 daysArticle 10 - Endpoints exempt of SCANot applying Article 10 SCA Exemption

Authentication Method - Open Banking Channel (Browser)?

User Name, Password, OTP on mobile phone

Authentication Method - Open Banking Channel (APP)?

User Name, Password, OTP on mobile phone

Authentication Method - Private Channel (Browser)?

User Name, Password, Memorable word

Authentication Method - Private Channel (APP)?

Biometric or PIN and Registered device

Authentication Method Implementation Date (Open Banking Channel)?

Live

Authentication Method Implementation Date (Private Channel)?

Live Moving to OTP in line with Adjustment Period

SCA Implementation Date?

To Align with Adjustment PeriodSCA Scope? (will it inhibit non PSD2 accounts)
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) 

TPPsupport@arbuthnot.co.uk




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titleKey Implementations


-

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High Cost Credit

TBC

View file
nameHCC.xlsx
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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