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titleOB Standards

This Section applies to ASPSPs that have implemented OB Standards


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idOB 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
  •  V4.0

Read/Write API - Which date are you planning to implement your latest version?6th May 2024 without Directory connection31 July 2024 connected to OB Directory

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?31 July 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?

Are Have you planning to implement implemented TRIs (Transactional Risk Indicator enhancements included in v3.1.10Indicators), if sonot, implementation date planned to Implement?No
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?

31 July 2024

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

Our access token lasts 24h and the refresh one up to 90 days.

Initial one goes through SCA.

Reauth approach: We will issue new access and refresh tokens based on the expiration or previous authorization from PSU

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 authenticationTime to complete SCA: 10’
Access Token valid for 24h
Please specify the time period in minutes
SCA-RTS implementation status (updated by OBIE 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 Date31 July 2024
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
 N/A

Security Profile Certification date?
 N/A

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) 



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titleCustomer Journey


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-What is your approach to Implementing OBIE OBL Customer Experience Guidelines (CEG)?

(tick all that apply)

  •  Already Implemented
  •  Planning to implement or upgrade
  •  Not planning to implement CEG

Since we are B2B2X provider our platforms are the ones implementing UX

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
When customer gives consent through the TPP site the Bank ABC login page (Auth0) is used to authenticate customer consent.  The customer provides username, password and OTP during login.  The system verifies credentials with the bank.




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titlePSD2


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  •  Yes
  •  No
-Which Directory are you using as your Trust Framework?Open Banking
Are you caching the Directory?No
Transaction IDs SupportedYes
  1. ASPSPs provide a Unique, Immutable TransactionID from their core system
  2. ASPSPs generate a Unique TransactionID from a set of Immutable fields
  3. ASPSPs specify field(s) for TPP to generate a Unique Transaction Identifier
  4. ASPSPs provide neither a TransactionID nor the method by which TPPs can generate one

Are you enrolled to Dispute Management System?

Are you Seeking Fallback Exemption?

  •  Yes
  •  No


Article 10 - Maximum time period after authentication
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)
Article 10 - Endpoints exempt of SCA

None

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
Major Milestones

Brand(s)




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titleASPSP Dev Portal and Contact Details


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Location of Well Known Endpoints



Modified Customer Interface URL (if applicable)



Dev Portal URL

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) 





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