[Openid-specs-fapi] W3C PaymentHandler - Impact on Open Banking

Anders Rundgren anders.rundgren.net at gmail.com
Fri May 24 05:31:59 UTC 2019

The "where-are-you-from" problem which also affects "PayWithYourBank" schemes has finally gotten a solution in the release version of Chrome.

That is, on-line Merchants do longer need to figure out:
- Which bank you want to use
- Which payment networks/methods you have
The Browser does that (under Your supervision).

Will this then become the norm?  Although PaymentHandler is cool, 360° native wallets have more power and better security.

The W3C do not realize that neither the industry nor the customers care that much about the "true Web".  What though nobody wants are tons of "competing" apps but that's a Darwinian issue rather than a technical one.

With respect to Open Banking this looks like yet another blow at the PISP concept although not of the same magnitude as:


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