Open Banking Europe publishes bank APIs directory

7 noiembrie 2019

Open Banking Europe (OBE) announced the launch of the OBE PSD2 Transparency Directory, which will contain information about PSD2 and Open Banking application programming interfaces (APIs).

The directory meets the need of third-party providers (TPPs) and account-servicing payment service providers (ASPSPs) for a repository storing all key information on these APIs in one single place . Without such a central directory, TPPs and ASPSPs would have to go to the website of every single bank in Europe to look up the necessary information.

The OBE Transparency Directory builds on the existing directory for regulatory information. It provides information on banks and brands, developer portals, end points and other information about the APIs, such as security and standardisation options.

Contact information for both ASPSPs and TPPs will be stored in the directory, allowing regulated market participants to contact each other more easily. The transparency directory currently contains information on over 1,500 developer portals of banks; information about other banks and financial institutions will follow in the next six months.

„The TPP community welcomes any market initiative that helps to provide transparency to the market. Open Banking Europe is doing some extremely useful work and we hope that this initiative succeeds and brings the results we are looking for,” said Ralf Ohlhausen, Executive Advisor at Pay Practice.

“OBE has stated that it will provide a directory of operational data since we started in 2017. Now that the APIs are published, and as they mature, there begins to be enough material to put inside it,” said John Broxis, Managing Director of PRETA.

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About PRETA S.A.S.

PRETA S.A.S. was created in 2013 to develop innovative services for digital payment and identity solutions. The company is a wholly-owned subsidiary of EBA CLEARING, a provider of pan-European payment solutions. PRETA’s objective is to ensure the protection of digital identities and to provide secure and simple solutions in the online and mobile space. PRETA’s pan-European mindset encourages the collaboration of all players with a view to supporting the European digital economy and the Digital Single Market. PRETA owns and runs MyBank, an e-authorisation solution enabling the exchange of financial and non-financial information among and between payment service providers and other market players. MyBank Payments enables customers to pay online or via mobile channels, directly from their bank account. Please visit the PRETA website for more information and the latest news.

About Open Banking Europe

Open Banking Europe (OBE) is a PRETA initiative launched in June 2017 with the aim of fostering innovation, competition and efficiency to increase consumer choice and enhance security for online payments in the EU. To do that, Open Banking Europe brings market players together with the aim to turn regulatory requirements into operational reality and to provide the industry with PSD2 directory services.

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Jan Schildbach – Analyst Deutsche Bank

„Though Libra has met with fierce resistance from central banks and supervisory authorities and might never see the light of day, in many other cases tech firms (both start-ups and established big players) have successfully captured bits and pieces of universal banks’ traditional value chain. This trend may only intensify in the coming years. In this environment, European banks remain squeezed.”

In 23 septembrie 2019, BNR a anuntat infiintarea unui Fintech Innovation Hub pentru a sustine inovatia in domeniul serviciilor financiare si de plata. In acest sens, care credeti ca ar trebui sa fie urmatorul pas al bancii centrale in 2020?