<html><head><meta http-equiv="content-type" content="text/html; charset=utf-8"></head><body dir="auto"><div>Data doesn’t need to be signed - this isn’t mandated anywhere. </div><div><br></div><div>Many of the aggregators or TSPs (the most common terms) are themselves authorised AISPs - to get round PSD2/RTS which does’t cater for them. </div><div><br></div><div>The current main value they offer is connectivity - because of the lack of a common well implemented standard (esp outside UK). But really it should be data enrichment, categorisation and commercial models for premium APIs. </div><div><br></div><div>Many of these aggregators also act as PISPs and work with merchants. </div><div><br><div dir="ltr"><p style="margin: 0px; font-stretch: normal; line-height: normal;"><br></p><p style="margin: 0px; font-stretch: normal; line-height: normal;"><img src="blob:applewebdata://d6bb43fc-2279-407d-bd53-630ab359ad5e/d36557ae-b859-4b3d-b4dc-a2d752f142ef" data-unique-identifier=""></p><div dir="auto"><b style="background-color: rgba(255, 255, 255, 0);"><br class="gmail-m_8354166072974665155Apple-interchange-newline">Chris Michael</b></div><div dir="auto"><span style="background-color: rgba(255, 255, 255, 0);">Co-Founder and CEO<br>Ozone Financial Technology Ltd<br><a href="https://www.ozoneapi.com/" target="_blank">www.ozoneapi.com</a> <br><a href="tel:+44%207767%20372277" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="telephone" x-apple-data-detectors-result="5/2" style="text-decoration-color: rgba(0, 0, 0, 0.258824);">+44 (0)7767 372277</a></span></div></div><div dir="ltr"><br><blockquote type="cite">On 8 Jul 2022, at 15:39, Anders Rundgren via Openid-specs-fapi <openid-specs-fapi@lists.openid.net> wrote:<br><br></blockquote></div><blockquote type="cite"><div dir="ltr"><span>Hi FAPIers,</span><br><span>According to some vendors, the only reasonable way using Open Banking, is through a gateway which offers a "unified" Open Banking API. There are plenty of such gateways on the market.</span><br><span></span><br><span>What's not particularly apparent (to me at least), is how a gateway service can provide the same security as a "direct line", since adapted/reformatted data needs to be resigned, possible using the gateway's key as well.</span><br><span></span><br><span>Does the PSD2 RTS actually include support for OBGWs?</span><br><span></span><br><span>WDYT?</span><br><span></span><br><span>Cheers,</span><br><span>Anders</span><br><span></span><br><span>_______________________________________________</span><br><span>Openid-specs-fapi mailing list</span><br><span>Openid-specs-fapi@lists.openid.net</span><br><span>https://lists.openid.net/mailman/listinfo/openid-specs-fapi</span><br></div></blockquote></div></body></html>
<br>
<div><font face="Arial, Helvetica, sans-serif" size="2"><br></font></div><div><font face="Arial, Helvetica, sans-serif" size="2">The information in this email is confidential and solely for the use of the intended recipient(s). If you receive this email in error, please notify the sender and delete the email from your system immediately. In such circumstances, you must not make any use of the email or its contents.</font></div><div><font face="Arial, Helvetica, sans-serif" size="2"> </font></div><div><font face="Arial, Helvetica, sans-serif" size="2">Views expressed by an individual in this email do not necessarily reflect the views of Ozone.</font></div><div><font face="Arial, Helvetica, sans-serif" size="2"> </font></div><div><font face="Arial, Helvetica, sans-serif" size="2">Computer viruses may be transmitted by email. Ozone accepts no liability for any damage caused by any virus transmitted by this email. E-mail transmission cannot be guaranteed to be secure or error-free. It is possible that information may be intercepted, corrupted, lost, destroyed, arrive late or incomplete, or contain viruses. The sender does not accept liability for any errors or omissions in the contents of this message, which arise as a result of e-mail transmission.</font></div><div><font face="Arial, Helvetica, sans-serif" size="2"> </font></div><div><font size="2"><font face="Arial, Helvetica, sans-serif">Ozone Financial Technology Limited t/a Ozone. Registered office: </font>86-90 Paul Street, London, EC2A 4NE<font face="Arial, Helvetica, sans-serif">. Registered in England and Wales. Registered number: 10969115.</font></font></div>