RTS on SCA & CSC: Unravelling EBA’s view on screen scraping

  • Mounaim Cortet Vincent Jansen
  • ArticleAPIPSD2English contentOpen BankingXS2ACommunication InterfaceScreen ScrapingRTS

Innopay’s PSD2 experts, Vincent Jansen (Partner) and Mounaim Cortet (Manager Strategy), recently shared their views on the RTS in a webinar which attracted broad industry attention. Several attendants of the webinar were interested to learn more about the RTS requirements regarding the communication interface and particularly on the future of “screen scraping”. In this article, Vincent and Mounaim further elaborate on the presented views regarding the communication interface and screen scraping for the purpose of third party provider (TPP) access to accounts (XS2A).

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Banks will lose when not changing their perspective on how to realise customer centricity

Becoming customer centric, means that traditional banks need to be in it for the long haul and go through a long, disrupting and often uncertain transformation. It is therefore imperative to balance long term spend with effective short term results. Therefore, contrary to conventional approaches, Innopay advises to start with establishing an activity-based view of the existing operating model to enable banks to deliver these short term results. This is the only way to face competition, deal with regulation and safeguard and sustain client relationships.

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(Re)designing your onboarding process? These are the requirements to consider

  • Josje Fiolet
  • Digital identity

For financial services, a significant number of customers is attracted online. The customer onboarding process is one of the first interactions the customer has with the organisation and therefore it should be rock solid.

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GDPR can significantly limit the value potential of Account Information Services

  • Friso Spinhoven
  • PaymentsArticlePSD2GDPRAIS

The introduction of Account Information Services by PSD2 allows account holders to access information on their payment accounts through an AISP. But as the information can contain personal data, GDPR may significantly limit the value potential of Account Information Services.

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Open Banking Blog 7: Chancen und Herausforderungen für sich öffnende Banken

This blog forms the last in a series of 7 blogs by Innopay Germany on 'Open Banking: Understanding the business relevance for banks'. The blog series has outlined all relevant aspects with regards to „Open Banking“. This blog series is based on the Open Banking Information Paper “Understanding the business relevance of Open APIs and Open Banking for banks“, which Innopay developed in close cooperation with the EBA Association.

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PSD2 XS2A: who is liable in case of an unauthorised payment

  • Friso Spinhoven
  • PaymentsPSD2English content

In this first blog on liability under PSD2, we analyse the liability of PSPs in case of unauthorised transactions. Several factors play a role in determining who is liable, amongst which in whose ‘sphere of competence’ authentication of the user takes place.

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Innopay's FinTech Magazine article on Open Banking

  • Vincent Jansen Shikko Nijland
  • ReportsAPIPSD2English content

Innopay has published an article on Open Banking in the FinTech magazine of the 'Financieel Dagblad'. The article is called: "Resharing data is the new 'apping'".

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Open Banking Blog 6: Fundamentale Entscheidungen der Banken zur Rolle in der digitalen Wertschöpfungskette

This blog forms the sixth in a series of 7 blogs by Innopay Germany on 'Open Banking: Understanding the business relevance for banks'. The blog series will outline all relevant aspects with regards to „Open Banking“. This blog series is based on the Open Banking Information Paper “Understanding the business relevance of Open APIs and Open Banking for banks“, which Innopay developed in close cooperation with the EBA Association.

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Open Banking Blog 5: Von ‘Open APIs’ zu ‘Open Banking’

This blog forms the fifth in a series of 7 blogs by Innopay Germany on 'Open Banking: Understanding the business relevance for banks'. The blog series will outline all relevant aspects with regards to „Open Banking“. This blog series is based on the Open Banking Information Paper “Understanding the business relevance of Open APIs and Open Banking for banks“, which Innopay developed in close cooperation with the EBA Association.

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