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OB Standards


Implement Open Data v2.2N/AMandated only for the CMA9
Implement Read/Write API Specification v3.1

29/02/2020


Implement Customer Experience Guidelines v1.1 
Implement App-to-App RedirectionN/ACynergy Bank does not offer a mobile banking app
Implement OB Security Profile Implementer's Draft v1.1.2

 


Implement FAPI Profile Implementers Draft 2N/a
Implement CIBA Profile Implementers Draft 1N/ACynergy Bank does not offer a mobile banking app
Implement Dynamic Client Registration v1.1N/A
Implement Dynamic Client Registration v3.1 
Decommission Read/Write API Specification v1.x/2.x 
Decommission OB Security Profile Implementer's Draft v1.xN/A


Method of Identification


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 Still accepted for previously on-boarded  TPPs until  
Cease support for OBIE non eIDAS-like certificates for signing Still accepted for previously on-boarded TPPs until  
Support for MTLS token endpoint authentication 
Support for private_key_jwt token endpoint authentication 
Cease support for client id and client secret token endpoint authenticationN/A
Post Brexit Certificate Implementation
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)
  • eIDAS QWAC
  • eIDAS QSealC
  • OB legacy (obtransport, obsigning)
  • OBWAC
  • OBSeal
  • Other (Please define) 

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 Transition



TPP PSU Migration Outcomes Supported



POST-BREXIT Certificate Implementation Status (updated by OBIE IES team)



Implementation

Directory?

Open Banking

Location of Well Known Endpoints?

Open Banking technical directory and Cynergy Bank Developer Portalhttps://openbanking.cynergybank.co.uk/API/.well-known/openid-configuration

API Standard Implemented?

Open Banking v3.1.1
Open Banking v3.0

Name of Account Holder Implementation Date?

 

Date of Current eIDAS Implementation? eIDAS, OBWAC/OBSEAL
Current Certificates used for Identification?

eIDAS, QSEAL/OBSEAL



Current Certificates used for Transport?OBWAC and eIDAS QWAC

Current Certificates used for Signing?OBSEAL and QSEAL

Date of Future eIDAS Implementation?No future update currently planned.

Future Certificates used for Identification?No future update currently planned.

Future Certificates used for Transport?

No future update currently planned.



Future Certificates used for Signing?No future update currently planned.

Major Milestones

Testing interface Open Banking API standard v3.0  
Wide usage interface Open Banking API Standard v3.0  
Stress testing (Open Banking API standard v3.0)  
Open Banking API standard v3.1.1  
Infrastructure upgrade  

eIDAS  

(Inc Other Products, API Updates, API Deprecations, etc)
Brand(s)


Security Profile?FAPI  

Security Profile Certification?FAPI  

CIBA

N/AThe Bank does not offer a mobile banking app
Using Open Banking as your eIDAS Trust Framework?NoCynergy Bank will utilise an independent eIDAS solution provider. Cynergy Bank will also offer OBIE's Dynamic Client Registration
Are you caching the Directory?No

Transaction IDsImmutable Transaction ID from Cynergy's Core Banking System

Customer Journey

Implementing Customer Experience Guidelines?

Yes


Current CEG Version?

Next CEG Version?

Next Version Implementation Date

Implementing Bespoke User Journeys?

No

Implementing App to App?

N/ACynergy Bank does not offer a mobile banking app
App to App Implementation Date?N/A Cynergy Bank does not offer a mobile banking app

Options on 90 day re-authentication?

90 day consent model as per SCA-RTS Article 10

Support Embedded Flow?

N/A
PSD2

Dispute Management System?

No
FCA Adjustment Period - Maintaining Screen Scraping?YesUntil  

Seeking Fallback Exemption?

YesProvisional Exemption provided by FCA. Final decision to be provided by  

Adjusted or Fallback Interface?

N/A
Adjusted or Fallback URL?N/A
Contact Email or Phone Number?obaccadmin@cynergybank.co.uk
Dev Portal URL?https://openbanking.cynergybank.co.uk
Test Facility Implementation Date? 
Production Interface Implementation Date? 
Contingency MeasuresN/A
Article 10 - Maximum time period after authentication?

If 90 days has elapsed since SCA was applied, the customer will need to re-authenticate.


The 90 day period is specific to each AISP and must be distinguished to the 90 day period which applies to customers.


Application of SCA to initiate a payment (via a PISP or customer) does not restart the 90 day period.


Article 10 - Endpoints exempt of SCAExemption will cover all AISP resources

Authentication Method - Open Banking Channel (Browser)?

AISP: Username + Password (as knowledge factors) + PIN (as knowledge factor) + hard token/soft token (as possession factors)


PISP: Username + Password (as knowledge factors) + PIN (as knowledge factor) + hard token/soft token (as possession factors)

One time password to be deprecated  

Authentication Method - Open Banking Channel (APP)?

N/AThe Bank does not offer a mobile banking app

Authentication Method - Private Channel (Browser)?

AISP: Username + Password (as knowledge factors) + PIN (as knowledge factor) + hard token/soft token (as possession factors)


PISP: Username + Password (as knowledge factors) + PIN (as knowledge factor) + hard token/soft token (as possession factors)

One time password to be deprecated  

Authentication Method - Private Channel (APP)?

N/AThe Bank does not offer a mobile banking app

Authentication Method Implementation Date (Open Banking Channel)?

 One time password to be deprecated  

Authentication Method Implementation Date (Private Channel)?

 One time password to be deprecated  

SCA Implementation Date?

 

SCA Scope? (will it inhibit non PSD2 accounts)

Applicable for all payment account holders with Customer Channel (Online Banking) access.
Key Implementations

High Cost Credit

TBC

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

Option 1 - The parameter b64 being set to FALSE


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