<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=utf-8">
<meta name="Generator" content="Microsoft Word 15 (filtered medium)">
<!--[if !mso]><style>v\:* {behavior:url(#default#VML);}
o\:* {behavior:url(#default#VML);}
w\:* {behavior:url(#default#VML);}
.shape {behavior:url(#default#VML);}
</style><![endif]--><style><!--
/* Font Definitions */
@font-face
{font-family:"Cambria Math";
panose-1:2 4 5 3 5 4 6 3 2 4;}
@font-face
{font-family:Calibri;
panose-1:2 15 5 2 2 2 4 3 2 4;}
@font-face
{font-family:"MS Pゴシック";
panose-1:2 11 6 0 7 2 5 8 2 4;}
@font-face
{font-family:"Noto Sans CJK JP Medium";
panose-1:2 11 6 0 0 0 0 0 0 0;}
@font-face
{font-family:"\@MS Pゴシック";
panose-1:2 11 6 0 7 2 5 8 2 4;}
@font-face
{font-family:"Trebuchet MS";
panose-1:2 11 6 3 2 2 2 2 2 4;}
@font-face
{font-family:"Open Sans";
panose-1:0 0 0 0 0 0 0 0 0 0;}
@font-face
{font-family:"\@Noto Sans CJK JP Medium";}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0mm;
margin-bottom:.0001pt;
font-size:12.0pt;
font-family:"MS Pゴシック";}
a:link, span.MsoHyperlink
{mso-style-priority:99;
color:blue;
text-decoration:underline;}
a:visited, span.MsoHyperlinkFollowed
{mso-style-priority:99;
color:purple;
text-decoration:underline;}
p.MsoListParagraph, li.MsoListParagraph, div.MsoListParagraph
{mso-style-priority:34;
margin-top:0mm;
margin-right:0mm;
margin-bottom:0mm;
margin-left:42.0pt;
margin-bottom:.0001pt;
mso-para-margin-top:0mm;
mso-para-margin-right:0mm;
mso-para-margin-bottom:0mm;
mso-para-margin-left:4.0gd;
mso-para-margin-bottom:.0001pt;
font-size:12.0pt;
font-family:"MS Pゴシック";}
p.msonormal0, li.msonormal0, div.msonormal0
{mso-style-name:msonormal;
mso-margin-top-alt:auto;
margin-right:0mm;
mso-margin-bottom-alt:auto;
margin-left:0mm;
font-size:12.0pt;
font-family:"MS Pゴシック";}
span.18
{mso-style-type:personal-reply;
font-family:"Noto Sans CJK JP Medium",sans-serif;
color:#1F497D;
font-weight:normal;
font-style:normal;
text-decoration:none none;}
.MsoChpDefault
{mso-style-type:export-only;
font-family:"Arial",sans-serif;}
@page WordSection1
{size:612.0pt 792.0pt;
margin:99.25pt 30.0mm 30.0mm 30.0mm;}
div.WordSection1
{page:WordSection1;}
/* List Definitions */
@list l0
{mso-list-id:1301422373;
mso-list-type:hybrid;
mso-list-template-ids:-1582512636 1112028530 67698711 67698705 67698703 67698711 67698705 67698703 67698711 67698705;}
@list l0:level1
{mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:18.0pt;
text-indent:-18.0pt;}
@list l0:level2
{mso-level-number-format:aiueo-full-width;
mso-level-text:"\(%2\)";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:42.0pt;
text-indent:-21.0pt;}
@list l0:level3
{mso-level-number-format:decimal-enclosed-circle;
mso-level-text:%3;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:63.0pt;
text-indent:-21.0pt;}
@list l0:level4
{mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:84.0pt;
text-indent:-21.0pt;}
@list l0:level5
{mso-level-number-format:aiueo-full-width;
mso-level-text:"\(%5\)";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:105.0pt;
text-indent:-21.0pt;}
@list l0:level6
{mso-level-number-format:decimal-enclosed-circle;
mso-level-text:%6;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:126.0pt;
text-indent:-21.0pt;}
@list l0:level7
{mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:147.0pt;
text-indent:-21.0pt;}
@list l0:level8
{mso-level-number-format:aiueo-full-width;
mso-level-text:"\(%8\)";
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:168.0pt;
text-indent:-21.0pt;}
@list l0:level9
{mso-level-number-format:decimal-enclosed-circle;
mso-level-text:%9;
mso-level-tab-stop:none;
mso-level-number-position:left;
margin-left:189.0pt;
text-indent:-21.0pt;}
ol
{margin-bottom:0mm;}
ul
{margin-bottom:0mm;}
--></style><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1026">
<v:textbox inset="5.85pt,.7pt,5.85pt,.7pt" />
</o:shapedefaults></xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext="edit">
<o:idmap v:ext="edit" data="1" />
</o:shapelayout></xml><![endif]-->
</head>
<body lang="JA" link="blue" vlink="purple">
<div class="WordSection1">
<p class="MsoNormal"><span lang="EN-US" style="font-size:11.0pt;font-family:"Noto Sans CJK JP Medium",sans-serif;color:#1F497D">Here is the list of two options that I had in mind in the call: <o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-size:11.0pt;font-family:"Noto Sans CJK JP Medium",sans-serif;color:#1F497D"><o:p> </o:p></span></p>
<ol style="margin-top:0mm" start="1" type="1">
<li class="MsoListParagraph" style="color:#1F497D;margin-left:-18.0pt;mso-para-margin-left:0gd;mso-list:l0 level1 lfo1">
<span lang="EN-US" style="font-size:11.0pt;font-family:"Noto Sans CJK JP Medium",sans-serif">OIDF to submit FAPI Part 1 and 2 as Publicly Available Standard to TC 68.
<o:p></o:p></span></li><li class="MsoListParagraph" style="color:#1F497D;margin-left:-18.0pt;mso-para-margin-left:0gd;mso-list:l0 level1 lfo1">
<span lang="EN-US" style="font-size:11.0pt;font-family:"Noto Sans CJK JP Medium",sans-serif">OIDF to submit FAPI part 1 and 2 as Publicly Available Standard to SC 27.
<o:p></o:p></span></li></ol>
<p class="MsoNormal"><span lang="EN-US" style="font-size:11.0pt;font-family:"Noto Sans CJK JP Medium",sans-serif;color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-size:11.0pt;font-family:"Noto Sans CJK JP Medium",sans-serif;color:#1F497D">SC 27 is the committee for information security and as Part 1 and 2 is applicable beyond just Banking, it may be more appropriate
to do so to SC 27. <o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-size:11.0pt;font-family:"Noto Sans CJK JP Medium",sans-serif;color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-size:11.0pt;font-family:"Noto Sans CJK JP Medium",sans-serif;color:#1F497D">Best,
<o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-size:11.0pt;font-family:"Noto Sans CJK JP Medium",sans-serif;color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-size:11.0pt;font-family:"Noto Sans CJK JP Medium",sans-serif;color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-size:11.0pt;font-family:"Noto Sans CJK JP Medium",sans-serif;color:#1F497D">Nat Sakimura <<a href="mailto:n-sakimura@nri.co.jp"><span style="color:#0563C1">n-sakimura@nri.co.jp</span></a>><o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-size:11.0pt;font-family:"Noto Sans CJK JP Medium",sans-serif;color:#1F497D">m: +81-90-6013-6276<o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-size:11.0pt;font-family:"Noto Sans CJK JP Medium",sans-serif;color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-size:8.0pt;font-family:"Noto Sans CJK JP Medium",sans-serif;color:#1F497D">PLEASE READ :This e-mail is confidential and intended for the named recipient only. If you are not an intended recipient, please notify
the sender and delete this e-mail.<o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-size:11.0pt;font-family:"Noto Sans CJK JP Medium",sans-serif;color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span lang="EN-US" style="font-size:11.0pt;font-family:"Noto Sans CJK JP Medium",sans-serif;color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span lang="EN-US" style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span lang="EN-US" style="font-size:11.0pt;font-family:"Calibri",sans-serif"> Openid-specs-fapi [mailto:openid-specs-fapi-bounces@lists.openid.net]
<b>On Behalf Of </b>Dave Tonge via Openid-specs-fapi<br>
<b>Sent:</b> Friday, May 25, 2018 11:55 PM<br>
<b>To:</b> Openid-specs Fapi <openid-specs-fapi@lists.openid.net>; Openid-lc@lists.openid.net<br>
<b>Cc:</b> Dave Tonge <dave.tonge@momentumft.co.uk><br>
<b>Subject:</b> [Openid-specs-fapi] ISO TC68 / SC9 / WG2 - Best way to reference FAPI spec<o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p>
<div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif">Hi all<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif">There is currently work undergoing within ISO TC68 (the group at ISO responsible for financial standards) to create a standard for financial APIs.<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif">From a FAPI perspective I think we have the following options (Nat mentioned that there may be a few more)<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><b><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif">1. We contribute the entire text of parts 1 and 2 and it is published as part of a technical specification by ISO.</span></b><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"><o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif">Pros:<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"> - Many initiatives around the world are looking to ISO for guidance on the development of standards based financial APIs. This isn't just in the PSD2 use case of access to
accounts, but includes settlement, forex, corporate, treasury, etc.<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif">Cons:<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"> - There isn't necessarily the right expertise in TC68/SC9 to continue to develop the standard<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"> - ISO isn't a "natural" home for a spec like this<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"> - OIDF is developing conformance tests for FAPI specs, it would be better for the tests, certification and specs to live within them same body<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><b><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif">2. We work with SC9/WG2 to reference FAPI parts 1 and 2 rather than include the whole text.</span></b><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"><o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif">To get this through the ISO process, it would be helpful if we could move parts 1 and 2 past the draft stage to final specification before the ISO work completes.<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif">Pros:<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"> - OIDF is best home for this spec with the right expertise and the conformance tests / certification process<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"> - We can continue to update the spec or add other parts <o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif">Cons:<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"> - Maybe doesn't lend quite the same authority to the spec by having it referenced rather than included fully.<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif">I'd appreciate your thoughts on this. We need to make a decision one way or the other by the end of June.<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif">Thank you<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-family:"Trebuchet MS",sans-serif"><o:p> </o:p></span></p>
</div>
<p class="MsoNormal"><span lang="EN-US"><br clear="all">
<o:p></o:p></span></p>
<div>
<p class="MsoNormal"><span lang="EN-US"><o:p> </o:p></span></p>
</div>
<p class="MsoNormal"><span lang="EN-US">-- <o:p></o:p></span></p>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<p class="MsoNormal"><b><span lang="EN-US" style="font-size:10.5pt;font-family:"Open Sans",serif;color:#00A4B7">Dave Tonge<o:p></o:p></span></b></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-size:8.5pt;font-family:"Open Sans",serif;color:#333333">CTO<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-size:8.5pt;font-family:"Open Sans",serif;color:#333333"><a href="http://www.google.com/url?q=http%3A%2F%2Fmoneyhubenterprise.com%2F&sa=D&sntz=1&usg=AFQjCNGUnR5opJv5S1uZOVg8aISwPKAv3A" target="_blank"><span style="color:#835EA5;text-decoration:none"><img border="0" width="200" height="50" style="width:2.0833in;height:.525in" id="_x0000_i1025" src="http://content.moneyhub.co.uk/images/teal_Moneyhub-Ent_logo_200x50.png" alt="Moneyhub Enterprise"></span></a><o:p></o:p></span></p>
</div>
<div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-size:8.5pt;font-family:"Open Sans",serif;color:#00A4B7">Moneyhub Financial Technology, 2nd Floor, Whitefriars Business Centre, Lewins Mead, Bristol, BS1 2NT</span><span lang="EN-US" style="font-size:10.5pt;font-family:"Open Sans",serif;color:#333333"><o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><b><span lang="EN-US" style="font-size:8.5pt;font-family:"Open Sans",serif;color:#00A4B7">t: </span></b><span lang="EN-US" style="font-size:8.5pt;font-family:"Open Sans",serif;color:#333333">+44 (0)117 280 5120</span><span lang="EN-US" style="font-size:10.5pt;font-family:"Open Sans",serif;color:#333333"><o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-size:10.5pt;font-family:"Open Sans",serif;color:#616161"><o:p> </o:p></span></p>
<div>
<p class="MsoNormal"><span lang="EN-US" style="font-size:8.0pt;font-family:"Open Sans",serif;color:#333333">Moneyhub Enterprise is a trading style of Moneyhub Financial Technology Limited which is authorised and regulated by the Financial Conduct Authority
("FCA"). Moneyhub Financial Technology is entered on the Financial Services Register (FRN </span><b><span lang="EN-US" style="font-size:8.0pt;font-family:"Open Sans",serif;color:#00A4B7">561538</span></b><span lang="EN-US" style="font-size:8.0pt;font-family:"Open Sans",serif;color:#333333">)
at <a href="http://fca.org.uk/register" target="_blank">fca.org.uk/register</a>. Moneyhub Financial Technology is registered in England & Wales, company registration number </span><b><span lang="EN-US" style="font-size:8.0pt;font-family:"Open Sans",serif;color:#00A4B7">06909772</span></b><span lang="EN-US" style="font-size:8.0pt;font-family:"Open Sans",serif;color:#333333"> </span><span lang="EN-US" style="font-size:7.5pt;font-family:"Arial",sans-serif;color:#222222">©</span><span lang="EN-US" style="font-size:8.0pt;font-family:"Open Sans",serif;color:#333333"> . Moneyhub Financial
Technology Limited 2018. </span><span lang="EN-US" style="font-size:8.0pt;font-family:"Open Sans",serif;color:#888888">DISCLAIMER: This email (including any attachments) is subject to copyright, and the information in it is confidential. Use of this email
or of any information in it other than by the addressee is unauthorised and unlawful. Whilst reasonable efforts are made to ensure that any attachments are virus-free, it is the recipient's sole responsibility to scan all attachments for viruses. All calls
and emails to and from this company may be monitored and recorded for legitimate purposes relating to this company's business. Any opinions expressed in this email (or in any attachments) are those of the author and do not necessarily represent the opinions
of Momentum Financial Technology Limited or of any other group company.</span><span lang="EN-US" style="font-size:10.5pt;font-family:"Open Sans",serif;color:#333333"><o:p></o:p></span></p>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
</body>
</html>