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The rather informed author is speaking of APIs using the the PSD2 standard, which serves a completely different purpose than HBCI. Of course ever bank everywhe
by matt4077 10y ago
The rather informed author is speaking of APIs using the the PSD2 standard, which serves a completely different purpose than HBCI.
Of course ever bank everywhere has, for the last 20 years+, offered some way for their customers to interact via an API.
- mschuster91 10y ago> The rather informed author is speaking of APIs using the the PSD2 standard, which serves a completely different purpose than HBCI. Sorry, you're flat out wrong there. You can implement both an AISP and a PISP using HBCI. An AISP needs only a bank that supports HKKAZ/HKEKA transactions (aka, fetch transaction records). A PISP needs HKAOM/HKAUB/HKCCS (aka, initiate transfer transaction) transaction support from the bank. > Of course ever bank everywhere has, for the last 20 years+, offered some way for their customers to interact via an API. In most cases only for professional customers. HBCI (in Germany, though) changed the table as it was explicitly intended for private/small business owners.