Tesco Personal Finance PLC

OB Standards

This Section applies to ASPSPs that have impletemented 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
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?

SCA-RTS 90-day reauth Implementation

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

27 September 2022

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

We will implement the exemption by issuing refresh tokens with no expiry date.

Existing consents

The first time that the 90 day refresh token is exchanged for an access token following our change, the new refresh token issued will have an unlimited expiry. Subsequent refresh tokens issued for the consent will continue to have unlimited expiry. The TPP can then go on to access exempt data for the consent on an ongoing basis, subject to consent expiry or revocation.
As long as the ‘old’ refresh token is exchanged before its original 90 day expiry, the customer will not need to re-authenticate with us. If it has been more than 90 days since the customer authenticated for the consent, we will not allow the refresh token to be exchanged for a new non-expiring one.
We will continue to ask for SCA when accessing non-exempt data under the consent, if it has not been done within 5 minutes.

New consents

Consents set up and authorised after our change goes live will use non-expiring refresh tokens for their lifetime. We will still require customers to complete SCA with us at authorisation, but customers will no longer need to come back to us every 90 days to re-authenticate.
We will ask for SCA when accessing non-exempt data under the consent, if it has not been done within 5 minutes.

We will continue to request SCA for non-exempt data requests.

SCA-RTS implementation status (updated by OBIE PS team only)

In-progress

Security Profile

-Which Security profile have you Implemented or planning to implement? (Lowest version = Current, Highest version = Planned)	OB Security Profile (Legacy) FAPI 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	n/a
POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)	eIDAS QWAC eIDAS QSealC OB legacy (obtransport, obsigning) OBWAC OBSeal Other (Please define)

Customer Journey

-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
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
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
Options on 90 day re-authentication?	Yes	Re authentication will be required after 90 days. Will also be required in scenarios that imply risk and therefore SCA is deemed appropriate by Tesco Bank.

PSD2

-Which Directory are you using as your Trust Framework?	Open Banking
Are you caching the Directory?	No
Transaction IDs Supported	No	No transaction IDs provided in transaction response, consistent with online/mobile channels.
Are you enrolled to Dispute Management System?	Yes No
Are you Seeking Fallback Exemption?	Yes No
Article 10 - Maximum time period after authentication	5 minutes for those endpoints NOT covered by an exemption (i.e. direct debits, beneficiaries etc.) and 90 days if exempt.
Article 10 - Endpoints exempt of SCA	Accounts, Balances, Transactions (< 90 days)	Resources covered (delete as appropriate): Accounts, Balances, Transactions
Major Milestones	SCA is already in place at log in for the existing Online and Mobile channels and was in place pre-PSD2.	Production date for SCA in the Open Banking channel to be provided.
Brand(s)

ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints	OB Technical Directory and OB Implementation Guide
Modified Customer Interface URL (if applicable)
Dev Portal URL	https://developer.tescobank.com/
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)	apisupport@tescobank.com

Key Implementations

High Cost Credit	Tesco - HCC - Nov 19.xlsx