[Openid-specs-fapi] Fwd: Letter from Vice-President Valdis Dombrovskis: Comments about Redirection
nat at sakimura.org
Sat Mar 9 14:30:55 UTC 2019
Restarting the thread as I want to make a youtube video on this one and
want to hear your opinions.
So, Mr Dombrovskis says:
"I would like to encourage industry players to shift their attention
away from authentication methods that are redirecting TPP customers to
the banks' webpages (or apps). This cannot be the basis for innovative
and competitive European payment services. Instead, the focus should in
my view be on the development of convenient and secure new
authentication methods. Such new forms of authentication, which are now
more and more widely used, can be linked to e-IDs, issued by public
authorities or private entities as in the Nordic countries, that may be
used by customers with numerous market participants..."
What I do not understand is that why he thinks "Such new forms of
authentication" does not involve a redirect.
As far as I understand, "private entities as in the Nordic countries"
uses either SAML or OpenID Connect and make use of "redirect" to perform
the user authentication that is linked to e-IDs, and they are provided
by banks. If I am right, then the above statement is saying:
"Shift their attention away from authentication methods that are
redirecting TPP customers to the banks' webpages (or apps) to
authentication methods that are redirecting TPP customers to the banks'
webpages (or apps)."
It just does not make sense...
I could go on with a generic Youtube video showing how redirecting can
be non-intrusing but I wanted to understand the above statement better.
On 2019-02-22 18:25, Dave Tonge via Openid-specs-fapi wrote:
> Dear FAPI WG
> I just received this and think it may be of interest to you:
> Please find attached a letter and attachment from Commission Vice
> President Dombrovskis.
> He has made some discouraging comments about redirection to webpages
> and apps:
> “I WOULD LIKE TO ENCOURAGE INDUSTRY PLAYERS TO SHIFT THEIR ATTENTION
> AWAY FROM AUTHENTICATION METHODS THAT ARE REDIRECTING TPP CUSTOMERS TO
> THE BANKS' WEBPAGES (OR APPS). THIS CANNOT BE THE BASIS FOR
> INNOVATIVE AND COMPETITIVE EUROPEAN PAYMENT SERVICES. Instead, the
> focus should in my view be on the development of convenient and secure
> new authentication methods. Such new forms of authentication, which
> are now more and more widely used, can be linked to e-IDs, issued by
> public authorities or private entities as in the Nordic countries,
> that may be used by customers with numerous market participants…”
> …“I also invite industry players to work together to find
> practical solutions to other problems that payment initiation service
> and/or account information service providers are facing. One of them
> is the regular renewal, every 90 days, of consent for the TPPs’
> access to accounts. This consent renewal requires STRONG CUSTOMER
> AUTHENTICATION, WHICH WOULD BE A MAJOR INCONVENIENCE IF DONE FOR EACH
> BANK USING CONVENTIONAL AUTHENTICATION METHODS AND POSSIBLY
> REDIRECTION TO THE BANKS’ AUTHENTICATION PAGES.”
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