Arquia Banca collaborates with Payment Entities interested in providing "open banking" services through our bank:
In short, "open banking" allows, principally: cardless payment in electronic stores; and the use of "apps" and "web services" to view certain financial information in an aggregated manner.
These services are regulated by: Directive (EU) 2015/2366 of the European Parliament and of the Council [PSD2 Directive], the Delegated Regulation (EU) 2018/389 of the Commission, and Royal Decree-Law 19/2018 of 23 November, on payment services and other urgent financial measures.
The method chosen by Arquia Banca to implement the aforementioned regulatory developments is integration with the HUB PSD2 service provided by Redsys, a service that follows version 1.3 of the standard "NextGen PSD2 XS2A Framework" of the Berlin Group, and which covers all the mandatory functionality required in the PSD2 Directive. The technical specifications linked to the reference interfaces include the requirements of the Technical Security Regulations and the EBA guidelines for obtaining exemption from the "fall back" mechanism.
Arquia Banca has space in the Redsys Sandbox PSD2 environment where you can find the technical documentation, interfaces and support contact that enable them to carry out interoperability tests on payment initiation services and account information with our bank.
The information and links are the following: