Page Comparison

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titleColor	Black
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title	OB Standards

This Section applies to ASPSPs that have impletemented OB Standards

Page Properties

icon	false
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
Read/Write API - Which date are you planning to implement your latest version?
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?
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

Page Properties

id	SCA-RTS

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

18th October 2022

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

We are setting the refresh token to never expire but we still need to rotate, as certs will only be issued for 2 years. This means that as long as TPP gets data from us at least every couple of years the customer will never be prompted for an SCA again.

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 PS team only)

Status

colour	Green
title	Implemented

Planned / In-progress / Implemented / TBC

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Panel

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title	Customer Journey

Page Properties

id	TC-CJ

-What is your approach to Implementing OBIE Customer Experience Guidelines (CEG)? (tick all that apply)	Already Implemented Planning to implement or upgrade Not planning to implement CEG	Sainsbury’s Bank (SB) will implement all Customer Experience Guidelines that apply to SB with one exception. Question #14 of the Customer Experience Guidelines Checklist (section 6 of https://www.openbanking.org.uk/wp-content/uploads/Customer-Experience-Guidelines-V1-2.pdf) asks: "Do you provide access to all account information made available to the PSU through your existing online channel(s), irrespective of the channel through which the TPP is presenting their service to the PSU?" All mandatory fields specified in API are returned. However, some fields – e.g. name, address – are not mandatory in API, and are not returned via API. Name and address are shown via statement channel, therefore "all account info made available” via the statement channel is NOT available via API. If Question #14 were reworded to specify only the mandatory API fields, then SB’s response would be “Yes”. Some other elements will not be implemented until 14 Mar 2020
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
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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Panel

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borderStyle	dashed
title	PSD2

Page Properties

id	TC-PSD2

-Which Directory are you using as your Trust Framework?	Open Banking
Are you caching the Directory?	Yes	For one hour
Transaction IDs Supported	12 Jul 2019	Sainsburys Bank provide a Unique, Immutable TransactionID from their core system
Are you enrolled to Dispute Management System?	Yes No
Are you Seeking Fallback Exemption?	Yes No
Article 10 - Maximum time period after authentication	10 minutes
Article 10 - Endpoints exempt of SCA	GET /Accounts GET /accounts/{AccountId} GET /accounts/{AccountId}/balances GET /accounts/{AccountId}/transactions Access to accounts endpoints allows retrieval of the AccountId to call balance and transaction endpoints
Major Milestones	Live (non SCA) 12 Jul 2019 Live (including SCA) December 2019
Brand(s)

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