[Openid-specs-fapi] OBIE trustee recommendations

[Joseph Heenan]

Hi Anders,


> On 4 Feb 2023, at 04:04, Anders Rundgren <anders.rundgren.net at gmail.com> wrote:
> 
> On 2023-02-03 23:00, Joseph Heenan via Openid-specs-fapi wrote:
>>> On 3 Feb 2023, at 20:22, Anders Rundgren <anders.rundgren.net at gmail.com> wrote:
>>> 
>>> On 2023-02-03 14:29, Joseph Heenan via Openid-specs-fapi wrote:
>>>> Hi all
>>>> Here’s an interesting report from the OBIE Trustee on the future of the UK ecosystem:
>>>> https://www.openbanking.org.uk/wp-content/uploads/FINAL-Trustee-End-of-Implementation-Roadmap-Report-30-January-2023-Final.pdf <https://www.openbanking.org.uk/wp-content/uploads/FINAL-Trustee-End-of-Implementation-Roadmap-Report-30-January-2023-Final.pdf>
>>> 
>>>  "Unresolved systemic issues
>>> 
>>>   The SWG Interim Report (the Interim Report) identified a substantial
>>>   number of ongoing issues with the UK Open Banking system that prevent
>>>   firms taking advantage of banks’ read/write APIs in such a way as to
>>>   make a significant positive impact on consumers and small businesses.
>>>   Many of these pose a threat to the ongoing success of the CMA Order
>>>   and are matters that require addressing IMMEDIATELY *"
>>> 
>>> Well, since payments with Open Banking versus Apple Pay/EMV haven't even made it to the agenda, this should hardly come as a surprise.
>> The text you quote and your statement are completely unrelated.
> 
> Dear Joseph, since you most certainly are not alone having this view, there is no need getting personal...

I did not get personal; I made a simple statement of fact.

> However, according to OBIE/FAPI (direct and indirect), competing head-to-head with card payments (or Apple) was never a part of the game.

Those are two very different organisations.

It is clear that the remit for ‘free’ APIs from OBIE (and the very related EU PSD2 ones) never included enabling the use cases you mention, like replacing card payments for in-person retail transactions. You are clearly unhappy about this, but the unhappiness needs to be directed at your politicians - these were political decisions, not technical ones.

The FAPI working group has never (to my recollection) taken a position on this point, and if people build card-replacement type solutions (as OBIE is I think may be trying to enable with their premium APIs) FAPI can be used as part of the solution (and FAPI is used in the OBIE premium APIs).

Joseph

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