[Openid-specs-fapi] Using FAPI/OBIE for P2P Payments

Anders Rundgren anders.rundgren.net at gmail.com
Tue Aug 4 06:51:58 UTC 2020

Pardon for being slightly annoying but sometimes you need a devil's advocate :-)

Few (any?) systems based on Open Banking APIs have pushed mobile P2P payments although this has become a smash hit in Scandinavia.

The reason is simple: Open Banking payment APIs are (apparently) designed to only support TPPs and (mostly on-line) commerce applications.

Result: Banks put less efforts in Open Banking APIs than in their own APIs.

Berlin Group's proposed enhancement to Embedded SCA would indeed enable mobile bank-driven P2P payment-systems like "Swish".


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