Availability and performance
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EBA Guideline 3.1 requires that ASPSPs “… provide its competent authority with a plan for publication of daily statistics on a quarterly basis on the availability and performance of the dedicated interface as set out in Guidelines 2.2 and 2.3, and of each of the interfaces made available to its own PSUs for directly accessing their payment accounts online, together with information on where these statistics will be published and the date of first publication…”
In addition, the FCA PSRs Approach Chapter 13 requires ASPSPs to report these statistics to the FCA on a quarterly basis.
These statistics should be completed for each dedicated interface. In the case where an ASPSP has one dedicated interface per brand, then the ASPSP should publish a separate report for each brand. However where several brands share the same interface, then the ASPSP should only need to publish one report. In the case where an ASPSP maintains different versions of their dedicated interface in parallel (e.g. to support different versions of the OBIE Standard), then these should be considered as separate dedicated interfaces and published separately, as they may have different levels of availability and performance.
As per the EBA Guidelines, the ASPSP must publish statistics for each PSU interface. Therefore an ASPSP with a separate website and mobile app for consumer accounts and a separate website and mobile app for business accounts may need to report separately to cover each of the four PSU interfaces (which may still be within a single report) .
In this regard, ASPSPs are only required to report on PSU interface for PSD2 in-scope accounts and regarding PSD2 in-scope functionality (i.e. initiation of a credit transfer payments and/or accessing account and transaction information). In order to enable a ‘like for like’ comparison, OBIE recommends the following guidance for calculating each element in regard to PSU interface availability and performance:
OBIE has included a template that ASPSPs using the OBIE Standard might find useful in preparing their information for publication and reporting to the FCA (or other CA) from September 2019:
OBIE ASPSP Reporting Template v1.1
Whilst ASPSPs are only required to publish statistics on their website and submit them to FCA every quarter, OBIE recommends that non-CMA9 ASPSPs submit these reports (all completed Report Tabs) and also the detailed workings (the Data Tab) using this template to OBIE on a monthly basis. This will enable OBIE to track the overall health and growth of the Open Banking ecosystem.
Where ASPSPs support more than one major or minor API version in production, each version must be reported separately. For example, v3.0 and v3.1 must be reported separately. However patches, for example, v3.1.1, should be reported as aggregate together with the relevant major or minor release (i.e. together with v3.1).
For the avoidance of doubt, the reports that the CMA9 ASPSPs are mandated to provide to OBIE are detailed in a separate MI template and not covered within this document.
OBIE encourages TPPs to report statistics on availability and performance to OBIE. Whilst there is no EBA/FCA regulatory requirement, OBIE would find this information very useful in providing a balanced view of the overall health of the Open Banking ecosystem. The format and method of this is still to be confirmed and sits outside this document.
Dedicated Interface Requirements Next