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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
  • V3.1.11
  • V4.0

Read/Write API - Which date are you planning to implement your latest version?The current Open Banking standard version v.3.1.6 is planned to be updated to the newest version in 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

Dynamic Client Registration is available via the TPP Developer Portal of Habib Bank: https://priora.saltedge.com/docs/open_banking/habib_bank_ag_zurich/v3.1/tpp_onboarding#tpp-register

DCR - Which date are you planning to implement your latest version?The latest DCR version will be implemented along with the latest Open Banking standard version in 2025.

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

Not Applicable

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 LimitPersonal £10,000
Business £50,000

PISP - Daily Payment Limit

Personal £10,000

Business £50,000

How many months of transaction do you provide?No limitations
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)  

SCA-RTS 90-day reauth Implementation

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



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


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 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) 

 The Open Banking security implemented for Habib Bank is as follows:

-       Strong Customer Authentication (SCA) - The consent management system applies SCA whenever a customer uses an AISP for the first time. 

-       JWTs contain all the request parameters. The JWTs are signed by the client and can be verified by the authorization server to ensure integrity and non-repudiation.

Security Profile - Next Planned Version Implementation Date

The security profile will be updated along with updating the Open Banking standard version, planned for 2025.


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 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

Which date are you planning to implement your latest CEG version?The latest CEG version will be implemented along with the latest Open Banking version in 2025.
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

For consent purposes

  1. ASPSPs provide a Unique, Immutable TransactionID from their core system

For transaction purposes

ASPSPs specify field(s) for TPP to generate a Unique Transaction Identifier

Are you Seeking Fallback Exemption?

  • Yes
  • No

Fallback Exemption was already received by the FCA.

Article 10 - Maximum time period after authenticationThe maximum time period for fetching account information after authentication is indicated in the `ExpirationDateTime` parameter included in the /consent request
Article 10 - Endpoints exempt of SCA
  • Accounts with booking balance information -

https://priora.saltedge.com/docs/open_banking/habib_bank_ag_zurich/v3.1/ais#accounts-index

Transactions - https://priora.saltedge.com/docs/open_banking/habib_bank_ag_zurich/v3.1/ais#accounts-transactions


Major MilestonesThe current Open Banking standard version v.3.1.6 is planned to be updated to the newest version in 2025.
Brand(s)Habib Bank Zurich Plc
ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints

https://priora.saltedge.com/docs/open_banking/habib_bank_ag_zurich/v3.1/open_id#wellknown-well-knownThe Well Known Endpoints are located in the TPP Developer Portal on the OpenID page.

Modified Customer Interface URL (if applicable)

not applicable as Exemption from the fallback channel was received
Dev Portal URLhttps://priora.saltedge.com/docs/open_banking/habib_bank_ag_zurich/v3.1
Test Facility URLTPP Developer Portal URL: https://priora.saltedge.com/docs/open_banking/habib_bank_ag_zurich/v3.1#introductionThe Test Facility URL and `provider_code` can be found in the TPP Developer Portal in the “Sandbox” section.
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) 

compliance@saltedge.com 
Key Implementations

High Cost Credit

Not Applicable

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