[Openid-specs-fapi] External : Open Banking NG

Rob Otto robotto at pingidentity.com
Thu Oct 31 11:40:44 UTC 2019

here's another example using a different variation of the above, but still
enabled by CIBA


On Wed, 30 Oct 2019 at 16:35, Chris Michael via Openid-specs-fapi <
openid-specs-fapi at lists.openid.net> wrote:

> Hi Anders
> The OBIE example below is where all non-essential steps are removed from a
> redirect authentication. This solves some use cases but, as you state, is
> notb as good as Apple Pay, especially in a Point of Sale scenario. It would
> however work for an app-app (e.g. online purchase via a mobile app)
> scenario.
> As I am sure you are away, the CIBA standard we developed with/by FAPI WG
> members does allow much better UX which gets closer to Apple Pay. This is
> also included in the OBIE standard. However, no ASPSPs are implementing
> this yet, as it has not been specifically required by any regulators at
> this time.
> Here is a working demo of one of the 4 x supported CIBA flows
> https://www.youtube.com/watch?v=SXiRhCAYRCE
> I like your concept below, however creating additional TPP roles may take
> some time for the industry to get to grips with
> Chris Michael
> Head of Technology
> +44 7767 372277
> http://www.openbanking.org.uk
> 2 Thomas More Square, London E1W 1YN
> Twitter | Facebook | LinkedIn
> ________________________________________
> From: Openid-specs-fapi <openid-specs-fapi-bounces at lists.openid.net> on
> behalf of Anders Rundgren via Openid-specs-fapi <
> openid-specs-fapi at lists.openid.net>
> Sent: 30 October 2019 15:49
> To: Financial API Working Group List
> Cc: Anders Rundgren
> Subject: External : [Openid-specs-fapi] Open Banking NG
> Hi FAPIers,
> This picture from OBIE shows a payment scenario that is very far from
> Apple Pay:
> https://standards.openbanking.org.uk/wp-content/uploads/2019/06/4.1.1-Wireframe.png
> Yeah, using various kinds of "workarounds and fixes" it can surely be
> improved, but will that really scale?
> I have updated the "Dual-mode" Open Banking API proposal which if
> implemented should make Open Banking payments entirely "on par" with Apple
> Pay but with the added advantage that it builds on A2A (Account-to-Account)
> transactions which also is compliant with P2P (Person-to-Person) payments:
> https://cyberphone.github.io/doc/payments/dual-mode-openbanking-api.pdf
> To make the proposal more acceptable I have introduced an (optional) TTP
> role which (unlike PIS) is already known by payment professionals; the
> Payment Gateway.
> Thanx,
> Anders
> On 2019-10-22 07:16, Anders Rundgren wrote:
> > A months has passed and it begins looking quite promising:
> >
> >
> https://www.linkedin.com/posts/andersrundgren_open-banking-api-saturn-my-subversive-activity-6591608038912729088-31sr
> > Updated:
> https://cyberphone.github.io/doc/saturn/openbanking-api-for-saturn.pdf
> >
> > Anders
> >
> > On 2019-09-21 10:26, Anders Rundgren wrote:
> >> This is probably not a use case people subscribed to this mailing list
> is particularly interested in.
> >> However, there are a couple of reason why this is a relevant issue:
> >> - If the bank can use the API themselves it will likely be better
> maintained
> >> - If the consumer payment market rather prefers schemes like Swish,
> TWINT, MobilePay https://empsa.org/ , <https://empsa.org/> FAPI and
> similar Open Banking APIs could fall in importance
> >>
> >> FWIW, I have just started (yesterday...) to investigate how Open
> Banking APIs could work in a local scenario:
> >> https://github.com/cyberphone/swedbank-psd2-saturn
> >> Swedbank uses the Berlin Group API but I guess the differences (on a
> higher level) compared to FAPI are not that big.
> >>
> >> Anyway, since I'm not versed in OAuth2, I wonder if anybody out there
> have any ideas how to "patch" OAuth2 in such a way that an Open Banking API
> implementation could work in both local and remote mode without moving
> [too] many parts?  Local mode = trusted service not needing user consent.
> >>
> >> Cheers,
> >> Anders
> >>
> >
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