Cynergy Bank Limited

OB Standards

Implement Open Data v2.2
Implement Read/Write API Specification v3.1
Implement Customer Experience Guidelines v1.1
Implement App-to-App Redirection
Implement OB Security Profile Implementer's Draft v1.1.2
Implement FAPI Profile Implementers Draft 2
Implement CIBA Profile Implementers Draft 1
Implement Dynamic Client Registration v1.1
Implement Dynamic Client Registration v3.1
Decommission Read/Write API Specification v1.x/2.x	N/A
Decommission OB Security Profile Implementer's Draft v1.x	N/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
Cease support for OBIE non eIDAS-like certificates for signing
Support for MTLS token endpoint authentication
Support for private_key_jwt token endpoint authentication
Cease support for client id and client secret token endpoint authentication

Implementation

Directory?	Open Banking
Location of Well Known Endpoints?	Open Banking technical directory and Cynergy Bank Developer Portal	https://openbanking.cynergybank.co.uk/
API Standard Implemented?	Open Banking v3.1.1 Open Banking v3.0
Name of Account Holder Implementation Date?	N/A
Supported identification method?	eIDAS, OBWAC/OBSEAL
Major Milestones	Testing interface Open Banking API standard v3.0 13/03/2019 Wide usage interface Open Banking API Standard v3.0 13/03/2019 Stress testing (Open Banking API standard v3.0) 30/06/2019 Open Banking API standard v3.1.1 13/09/2019 Infrastructure upgrades 05/08/2019 eIDAS 13/09/2019	(Inc Other Products, API Updates, API Deprecations, etc)
Security Profile?
Security Profile Certification?
CIBA	N/A	The Bank does not offer a mobile banking app
Using Open Banking as your eIDAS Trust Framework?	No
Are you caching the Directory?	No
Transaction IDs	TBC

Customer Journey

Implementing Customer Experience Guidelines?	Yes
Implementing Bespoke User Journeys?	No
Implementing App to App?	N/A
App to App Implementation Date?	N/A
Options on 90 day re-authentication?	90 day consent model as per SCA-RTS
Support Embedded Flow?	N/A

PSD2

Dispute Management System?	No
FCA Adjustment Period - Maintaining Screen Scraping?
Seeking Fallback Exemption?	Yes
Adjusted or Fallback Interface?	No
Adjusted or Fallback URL?	N/A
Contact Email or Phone Number?
Dev Portal URL?	https://openbanking.cynergybank.co.uk
Test Facility Implementation Date?	13 Mar 2019
Production Interface Implementation Date?	12 Aug 2019 - Currently Live Proving (Whitelisting in Place)
Contingency Measures
Article 10 - Maximum time period after authentication?
Article 10 - Endpoints exempt of SCA
Authentication Method - Open Banking Channel (Browser)?	AISP: Username + Password (as knowledge factors) + hard token/soft token (as possession factors)/One time password (to be deprecated) PISP: Username + Password (as knowledge factors) + hard token/soft token (as possession factors)/One time password (to be deprecated)
Authentication Method - Open Banking Channel (APP)?	N/A	The Bank does not offer a mobile banking app
Authentication Method - Private Channel (Browser)?	AISP: Username + Password (as knowledge factors) + hard token/soft token (as possession factors)/One time password (to be deprecated) PISP: Username + Password (as knowledge factors) + hard token/soft token (as possession factors)/One time password (to be deprecated)
Authentication Method - Private Channel (APP)?	N/A	The Bank does not offer a mobile banking app
Authentication Method Implementation Date (Open Banking Channel)?	13 Sep 2019
Authentication Method Implementation Date (Private Channel)?	13 Sep 2019
SCA Implementation Date?	13 Sep 2019
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

Waiver 7 Implementation Date	TBC