Publications

Our publications on specific topics provide support to Members for detailed operational problem analysis, investigation and resolution.

OBE Colombia Standards V0.3
09Nov

OBE Colombia Standards V0.3

API standards are at the heart of open finance and open banking. Along with Rules, Processes and Infrastructure, they create the Trust Framework. To participate in this working group or…

OBE Colombia Rulebook V0.3
09Nov

OBE Colombia Rulebook V0.3

About this document For information about this document and to participate in our working groups, please contact latam@openbanking.exchange. Downloading the…

OBE Colombia Rulebook V0.2
10Oct

OBE Colombia Rulebook V0.2

About this document For information about this document and to participate in our working groups, please contact latam@openbanking.exchange. Downloading the…

OBE Colombia Standards V0.2
10Oct

OBE Colombia Standards V0.2

API standards are at the heart of open finance and open banking. Along with Rules, Processes and Infrastructure, they create…

Colombia – Market Report
03Oct

Colombia – Market Report

The OBE Open Finance TPP and use case report provides insights into who is providing Open Finance services in Colombia,…

Agents Report
30Sep

Agents Report

Under Article 66 of PSD2, a Payment Services User (PSU) has the right to use a Third Party Provider (TPP)…

OBE Colombia Standards V0.1
26Sep

OBE Colombia Standards V0.1

API standards are at the heart of open finance and open banking. Along with Rules, Processes and Infrastructure, they create…

OBE Colombia Rulebook V0.1
23Sep

OBE Colombia Rulebook V0.1

About this document For information about this document and to participate in our working groups, please contact latam@openbanking.exchange. Downloading the…

Response to the Public Consultation on SPAA Scheme Rulebook
22Sep

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…

OBE Colombia Blueprint
22Sep

OBE Colombia Blueprint

About the OBE Colombia Blueprint The Blueprint and its work aim to enable standardisation, and a cost-effective delivery based on…

Open Finance Consultation Summary
22Jul

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
20Jul

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)
19Jul

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 
19Jul

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
08Jul

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
07Jul

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
06Jul

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
01Jul

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
10Jun

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
18Jan

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…

The Mexican Open Finance Ecosystem
03Nov

The Mexican Open Finance Ecosystem

The Open Finance Ecosystem describes the main players and how they interact within an Open Finance Framework.

Italy Market Report

Open Banking has significantly progressed in recent years, with more countries being involved.  Being a part of the Open Banking…

Open Finance: ¿Quién tiene derecho a acceder a las interfaces de programación de aplicaciones (APIs)?
05Aug

Open Finance: ¿Quién tiene derecho a acceder a las interfaces de programación de aplicaciones (APIs)?

Open Finance está generando una ola de innovación e inversión al tiempo que proporciona cambios fundamentales en la forma en…

URF Responses
04Aug

URF Responses

Durante las discusiones de la industria en junio de 2021, el Ministerio de Finanzas de Colombia planteó una serie de…

El Porqué, Qué, Quién y Cómo del Open Finance
04Aug

El Porqué, Qué, Quién y Cómo del Open Finance

Los conceptos clave y la relación operativa entre los actores de Open Finance. Este PowerPoint describe cómo los reproductores y…

Estructura del Open Finance
04Aug

Estructura del Open Finance

Las APIs y Open Finance a menudo se consideran intercambios bilaterales sin un sistema u organización central. Casi todos los…

El Ecosistema de Open Banking
04Aug

El Ecosistema de Open Banking

El ecosistema de Open Finance describe los principales actores y cómo interactúan dentro de un marco de Open Finance.

El Manual de Open Finance
04Aug

El Manual de Open Finance

El Manual de Open Finance sirve como plantilla para el Open Finance en Colombia y proporciona un elemento fundamental para…

El Acceso del Open Banking al Ciclo de Vida de la Cuenta
04Aug

El Acceso del Open Banking al Ciclo de Vida de la Cuenta

El acceso al ciclo de vida de la cuenta son los cinco pasos fundamentales que un usuario de FinTech o…

Cronograma Regulatorio
04Aug

Cronograma Regulatorio

Durante las discusiones de la industria en junio de 2021, el Ministerio de Finanzas de Colombia planteó una serie de…

Open Banking Enabled Services Dictionary
24Jun

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
19Jun

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
20May

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
18May

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
18May

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
22Jan

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
18Jan

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
18Jan

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
18Jan

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
18Jan

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
18Jan

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
18Jan

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
18Jan

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
18Jan

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
06Jan

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
12Aug

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?
22Apr

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…

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