What’s changed?

These are the changes that have been introduced in v1.0 from v1.0-rc1

Business rules updates

• Added branded versions of the Customer Experience journeys

• Added possible variations of Customer Experience journeys to all Bank Service Initiation and Bank Data Sharing pages

• Updated Common Rules and Guidelines page with scope related clarification rules

• Updated terminology to replace payer/payee with debtor/creditor, except where user-facing

• Updated International Payments page to remove FX quote functionality from TPP Consent stage and provided additional clarification rules

• Update Limits and Constants page with Actual FX Rate SLA

• Updated Pay Request enabled by Open Finance page to include example Customer Experience journeys

• Removed Confirmation of Payee (COP) from Single Instant Payments page to a separate Confirmation of Payee page

Technical specification updates

• Pushed authorization request

  • Updated AccountType field to have SME - so that it covers the full scope of Retail, Corporate, SME

  • DebtorAccount Identification only allows IBAN to be specified for the UAE standard

  • CreditorAccount Identification still allows IBAN and AccountNumber to be specified, but AccountNumber use is only for international payments

  • Name of UserIndicators in the Risk section has been updated to DebtorIndicators - to align with ISO 20022

  • Name of BeneficiaryIndicators in Risk section has been updated to CreditorIndicators - to align with ISO 20022

• Bank service initiation:

  • Updated RequestedExecutionDateTime to RequestedExecutionDate - as there is no requirement to specify the time component for a future dated payment

  • Errata - updated ExpirationDateTime to be optional in the payment-consent response, as this is optional in the authorization request

  • Updated Charges to be optional in the payment response object, as not all payments will have charges associated

  • Added maxItems: 50 for the number of scheduled payments in a Multi-Payment with a defined schedule

  • Name of UserIndicators in the Risk section has been updated to DebtorIndicators - to align with ISO 20022

  • Name of BeneficiaryIndicators in Risk section has been updated to CreditorIndicators - to align with ISO 20022

  • Updated references to Beneficiary to Creditor, and Payer to Debtor - to align with ISO 20022

• Confirmation of payee

  • Added a 204 response for cases where the account holder has opted out of Confirmation of Payee

  • Renamed MaskedAccountName to MaskedName, and updated length from 70 to 140

  • Renamed AccountNameMatchIndicator to NameMatchIndicator

  • Added the optional field Name in the CoP response

• Bank data sharing

  • Updated the specified permissions for the /accounts/{AccountId}/parties and /parties endpoints to be ReadParty, ReadPartyPSU and ReadPartyPSUIdentity

  • Updated AccountType field to have SME - so that it covers the full scope of Retail, Corporate, SME

  • Removed legacy reference to CreditCard, PrePaidCard, EMoney, ChargeCard, Other, mada types of accounts - as these are out of scope

  • Updated /parties endpoint response to be a single party object - as there can only be one user who has authenticated the request for data sharing