The Co-operative

OB Standards

This Section applies to ASPSPs that have implemented OB Standards

-Have you Implemented OB Standards?
  • Yes
  • No
Response given is for SME Banking
Open Data - Which version have you Implemented?
  • None
  • V2.2
  • V2.3
  • V2.4
Response given is for SME Banking

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

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
Response given is for SME Banking
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 
Response given is for SME Banking

Have you implemented Reverse Payments, if not date planned to Implement?

  • Already Implemented
  • Planning to implement
  • Not planning to implement 
Response given is for SME Banking

Have you implemented ECA Standard?

  • Already Implemented
  • Planning to implement
  • Not planning to implement 
Response given is for SME Banking

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]

Response for SME Banking: not currently planning to implement
PISP - Single Payment Limit£30k standard limit for SME banking
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?

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)  

SCA-RTS 90-day reauth Implementation

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


SME Banking response: Implemented as at October 2022

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


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

Response given is for SME Banking
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 authentication
Please specify the time period in minutes
SCA-RTS implementation status (updated by OBIE PS team only)


Planned / In-progress / Implemented / TBC
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

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
Response given is for SME Banking

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

Which date are you planning to implement your latest CEG version?

Redirection Model
  • App to App redirection
  • Decoupled authentication
  • Embedded Flow
  • Bespoke User Journeys
 via modified user interface (Retail)
PSD2
-Which Directory are you using as your Trust Framework?

Are you caching the Directory?No
Transaction IDs SupportedOption 4


ASPSPs provide neither a TransactionID nor the method by which TPPs can generate one

Modified User Interface for Screen Scraping (Retail banking)

Are you enrolled to Dispute Management System?

  • Yes
  • No

Are you Seeking Fallback Exemption?

  • Yes
  • No

SME banking is currently seeking a fallback exemption

Article 10 - Maximum time period after authentication

Article 10 - Endpoints exempt of SCA



Major Milestones

Brand(s)

ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints

Dev Portal

Modified Customer Interface URL (if applicable)

Provided to TPPs when they onboard (Retail)

(n/a for SME Banking)


Dev Portal URL

Retail https://www.co-operativebank.co.uk/onlinebanking/open-banking/third-party-providers

SME Business https://www.co-operativebank.co.uk/business/online-banking/open-banking/information-for-tpps 

This links to Bank Integration (token.io) for SME

hyperlink amended to show distinction between Retail and SME Business Banking
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) 

tpp.support@co-operativebank.co.uk
Key Implementations

High Cost Credit

TBC