Agents Report
Under Article 66 of PSD2, a Payment Services User (PSU) has the right to use a Third Party Provider (TPP) licence to obtain payment services. These TPPs are Regulated Entities…
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Publications
Our publications on specific topics provide support to Members for detailed operational problem analysis, investigation and resolution.
Response to the Public Consultation on SPAA Scheme Rulebook
Introduction The European Payments Council (EPC) is launching a public consultation on the draft rulebook of its new SEPA Payment…
Open Finance Consultation Summary
Regulations like PSD2 and GDPR foresee access to data, but not to its fullest. This targeted consultation aims to gather…
PSD2 Consultation Summary
Introduction Purpose and structure of the consultation The targeted consultation aims to gather evidence for the review of PSD2. It…
TPP User Management for PSD2 Access to Account (XS2A)
A summary of the considerations and processes that are necessary to enable ASPSPs to provide secure and controlled Access to…
EU Trust Anchors vs Commercial Root Certificates: A Comparison in Approaches
How trust is managed in the EU for PSD2 security and how this differs from what commercial applications such as…
eIDAS Renewal Best Practices Guide
PSD2 Qualified Certificates are valid for two years. The renewal process can be complex and should be conducted with caution…
Understanding Payment Statuses – Factsheet
TPPs are unsure which Payment Statuses are returned by Bank APIs & what they mean, making it difficult for them…
PSD2 Review Consultation Reply
PSD2 came into force in January 2018, with a requirement deadline of 14 September 2019 to implement Strong Customer Authentication…
Digital Identity in Europe
Digital identity has been at the forefront of discussions on technological change and is a crucial part of the digital…
EU Instant Payments Fees List
Multiple OBE Members reported problems around identifying Instant Payment Fees in Europe. This document compiles a list of the Instant…
Standardised PSD2 & Open Banking Functions Dictionary
A dictionary of common functions identified by OBE Europe, from their analysis of APIs being implemented by Europe banks to…
Italy Market Report
Open Banking has significantly progressed in recent years, with more countries being involved. Being a part of the Open Banking…
Open Banking Enabled Services Dictionary
This document provides a dictionary of the Open Banking Enabled Services being provided by TPPs in the EEA and in…
Understanding Payment Statuses in PSD2 & Open Banking APIs
Open Banking Exchange (OBE) Europe has been analysing the payment statuses available in PSD2 and Open Banking APIs as provided…
Denmark Market Report
Open Banking has significantly progressed in recent years, with more countries being involved. Being a part of the Open Banking…
Understanding Registers
Learn more about Registers in the context of PSD2 XS2A and to find out more about OBE's PSD2 XS2A solutions,…
JSON Web Signature Profile for Open Banking
This document defines a profile of JSON Web Signature, as defined in RFC 7515 in support of secure communications under…
The Open Banking Exchange Europe JSON Web Signature Profile
The Open Banking Exchange Europe JSON Web Signature Profile aims at addressing the concerns about standardisation & security in signing…
NCA Data for QTSPs
The revised Payment Services Directive (PSD2) came into force in January 2018, with a requirement deadline of 14 September 2019…
Understanding the TPR and SRO for EU TPP’s and UK Open Banking
This publication summarises: background, purpose and formats of the TPR & SRO lists; synchronisation issues identified; and the way forward…
PSD2 Communities – Survey on Communication Security Practices
This survey looks at how the security of communications has been defined by different API communities and what requirements have…
Freedom to Provide Services for Credit Institutions Across EU
This document clarifies the understanding of the rights of Credit Institutions regarding Access to Accounts, given that National registers do…
A Survey on Communication Security Practices
This survey looks at how the security of communications has been defined by different API communities and what requirements have…
Understanding Agents & Outsourcing
Under Article 66 of PSD2, a Payment Services User (PSU) has the right to make use of a Third Party…
Registration and Passporting
This guide summarises the terminology and processes set out in the revised Payment Services Directive (PSD2) that are required to…
Third Party Providers Commercial Report
The aim of this document is to help the reader to have a better understanding of the TPP Market, allowing…
eIDAS Qualified Certificates Under PSD2 Frequently Asked Questions
This document explains which types of certificates are used, how to procure and validate them and the various operational and…
Security and Identification Standards for APIs and Communications
This document describes the security standards to be applied to Application Programming Interfaces (APIs) and communications for PSD2 Access to…
UK RTS Compliant Certificates
The European Banking Authority (EBA) have recommended that the eIDAS certificates of UK Payment Services Providers (PSPs) should be revoked…
Letter to the EBA on Brexit and PSD2 Certificates
OBE's letter written to the EBA on behalf of the Qualified Trust Service Provider (QTSP) community concerned by PSD2.
The Economist: Open Banking Revolution or Evolution?
Incumbents are launching open bank hub initiatives as challenger banks and financial technology firms face a differentiation imperative in the…