Frequently asked questions
Supported Services
The following services have currently been defined in the openFinance Workplan 2021:
-
Basic AIS Service (PSD2) -
Account Entry Push Notifications -
Extended Consent Management (GDPR) -
Additional Account Types: e.g. Savings, Loans, Securities
-
Basic Payments (PSD2) -
Reservation of Funds -
Deferred Payments -
Request to Pay -
Pay by Loan (integrated Consumer Loans) -
SEPA Direct Debit eMandates -
Integrated ID Data service
-
Loan business -
Securities business (list of stocks, certificates, …)
-
Discovery API (Bank Parameter) -
Client Parameter API
-
Pricelist API -
Digital Contract API
Key Characteristics
-
Modern “RESTful” API set using HTTP/1.1 with TLS 1.2 (or higher) as transport protocol -
TPP identification by ETSI-defined eIDAS certificates: QWACS mandated (easy measure to protect e.g. against DDOS attacks), QSEALS optional for banks (TPP follows instruction by bank) -
Building on all NextGenPSD2 AIS, PIS and CoF use cases -
Third Party Provider access beyond PSD2 -
GDPR compliant consent model beyond PSD2 -
Support of Direct Access for PSUs / Corporates -
eCommerce support -
Discovery service to obtain the specific implementation details -
Multilevel SCA/Corporate Banking support