Are you planning to implement TRIs(Transactional Risk Indicator enhancements included in v3.1.10), if so, implementation date?
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SCA-RTS 90-day reauth Implementation
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SCA-RTS
Which date are you planning on implementing the SCA reauthentication exemption?
22nd of September
What is your approach to token management to enable application of the reauthentication exemption?(see link to FCA guidance)
Issue a long-lived refresh token during one final SCA
- Any AIS consents created after the Implementation Date will no longer need to be re-authenticated every 90 days; their access expiry date will be the same as the consent expiry date, if one is provided - For any pre-existing consents, the same will apply the first time re-authentication takes place after the Implementation Date. For example, if a customer re-authenticates a pre-existing consent in November 2022, the access expiry date will be aligned to the consent expiry date, if one is provided - In line with HSBC’s current implementation, access and refresh tokens will continue to be used. Access tokens will continue to have a TTL of 60 minutes. The expiry date for refresh tokens issued after the Implementation Date will be aligned to the consent expiry date, if one is provided. If a consent expiry date is not provided, refresh tokens issued after the Implementation Date will not expire - There will be no change to the data clusters available to TPPs without customer present. For the avoidance of doubt, only Balances and Transactions less than 90 days’ old will be accessible without customer present. All other data points will only be available within 60 minutes after SCA
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]
SCA-RTS implementation status(updated by OBIE PS team only)
Planned / In-progress / Implemented / TBC
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PSD2
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-Which Directory are you using as your Trust Framework?
Open Banking, Open Banking Europe
Are you caching the Directory?
No
Transaction IDs Supported
- Option 2 Implemented
HSBC generates a Unique Transaction ID from a set of Immutable fields, which is then passed on to TPPs via the API
Are you enrolled to Dispute Management System?
Yes
No
Are you Seeking Fallback Exemption?
Yes
No
Article 10 - Maximum time period after authentication