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HSBC Innovation Banking

HSBC Innovation Banking

Owned by Praveen Ponnumony
OB Standards

This Section applies to ASPSPs that have implemented 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
  • V3.1.11
  • V4.0


Read/Write API - Which date are you planning to implement your latest version?

v4.0 Read/Write API delivered on , including all endpoints for AIS, and CBPII.

PIS (Domestic and International) are expected to be delivered on or after June 2025. 


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?



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

NA


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: nav.khan@hsbc.com; marcin.pieniazek@hsbc.com 

PISP - Single Payment Limit

-

For the latest details on payment limits, refer to our Implementation Guide on our Dev Portal.

PISP - Daily Payment Limit

-

For the latest details on payment limits, refer to our Implementation Guide on our Dev Portal.

How many months of transaction do you provide?

Current Accounts, Currency Accounts and Credit Cards - from August 2023


Have you implemented TRIs (Transactional Risk Indicators), if not, date planned to Implement?



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)  

Please refer to our Developer Portal (https://develop.hsbc.com/) where you can access our Implementation Guide which includes fields we do and don't support.


 

SCA-RTS 90-day reauth Implementation


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

TBC


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

TBC

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 authentication

60 minutes

Please specify the time period in minutes

SCA-RTS implementation status (updated by OBL 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 (ID2)
  • FAPI 1 Advanced
  • Other (Please define) 

alignment to FAPI 1.0 Final is mandatory, and HSBC enforce the provision of fields specified in FAPI 1.0 Final (such as the ‘nbf’ claim) by TPPs

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

 not supported


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 OBL 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
  • V3.1.11
  • V4.0

Delivered on the

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

Expected to be delivered on or after .  


Redirection Model

  • App to App redirection
  • Decoupled authentication
  • Embedded Flow
  • Bespoke User Journeys



 

PSD2


-Which Directory are you using as your Trust Framework?

Open Banking


Are you caching the Directory?

No


Transaction IDs Supported

 

HSBC generates a Unique Transaction ID from a set of Immutable fields, which is passed on to TPPs via the AP

Are you Seeking Fallback Exemption?

  • Yes
  • No


Article 10 - Maximum time period after authentication

60 minutes


Article 10 - Endpoints exempt of SCA

Accounts. Balances. Transactions  (last 90 days only)


Major Milestones



Brand(s)




 

ASPSP Dev Portal and Contact Details


Location of Well Known Endpoints

OB Technical Directory


Modified Customer Interface URL (if applicable)



Dev Portal URL

https://develop.hsbc.com/


Test Facility URL

https://develop.hsbc.com/


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) 

openbankingsupport@hsbc.com



 

Key Implementations


High Cost Credit

N/A