<html><head><meta http-equiv="content-type" content="text/html; charset=utf-8"></head><body style="overflow-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;">Hi Anders,<div><br><div><br><blockquote type="cite"><div>On 4 Feb 2023, at 04:04, Anders Rundgren <anders.rundgren.net@gmail.com> wrote:</div><br class="Apple-interchange-newline"><div><meta charset="UTF-8"><span style="caret-color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; float: none; display: inline !important;">On 2023-02-03 23:00, Joseph Heenan via Openid-specs-fapi wrote:</span><br style="caret-color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none;"><blockquote type="cite" style="font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none;"><blockquote type="cite">On 3 Feb 2023, at 20:22, Anders Rundgren <anders.rundgren.net@gmail.com> wrote:<br><br>On 2023-02-03 14:29, Joseph Heenan via Openid-specs-fapi wrote:<br><blockquote type="cite">Hi all<br>Here’s an interesting report from the OBIE Trustee on the future of the UK ecosystem:<br>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><br></blockquote><br> "Unresolved systemic issues<br><br> The SWG Interim Report (the Interim Report) identified a substantial<br> number of ongoing issues with the UK Open Banking system that prevent<br> firms taking advantage of banks’ read/write APIs in such a way as to<br> make a significant positive impact on consumers and small businesses.<br> Many of these pose a threat to the ongoing success of the CMA Order<br> and are matters that require addressing IMMEDIATELY *"<br><br>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.<br></blockquote>The text you quote and your statement are completely unrelated.<br></blockquote><br style="caret-color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none;"><span style="caret-color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; float: none; display: inline !important;">Dear Joseph, since you most certainly are not alone having this view, there is no need getting personal...</span><br style="caret-color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none;"></div></blockquote><div><br></div>I did not get personal; I made a simple statement of fact.<br><br><blockquote type="cite"><div><span style="caret-color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; float: none; display: inline !important;">However, according to OBIE/FAPI (direct and indirect), competing head-to-head with card payments (or Apple) was never a part of the game.</span><br style="caret-color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none;"></div></blockquote><div><br></div><div>Those are two very different organisations.</div><div><br></div><div>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.</div><div><br></div><div>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).</div><div><br></div><div>Joseph</div><div><br></div></div></div></body></html>