UC-411
Open Banking Consent & SCA Assurance
Holds every open banking consent, checks each exemption applied against the rules, and compiles the quarterly interface statistics.
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The Challenge
Interface availability and performance are published every quarter under the RTS, and a weak showing invites a mandated fallback. Consent records, API logs and exemption flags sit with three separate teams.
How It Works
- Reads consent records, third-party registrations, interface logs and exemption flags.
- Tests each exemption claim against the rule set and finds availability breaches.
- Issues the drafted quarterly statistics and a daily breach list to the open banking lead.
What It Removes
- Manual assembly of API availability statistics
- Sampling exemption decisions by hand each quarter
- Chasing consent expiry dates across TPP records
Input Data RequirementsConsent and third-party provider registers, dedicated-interface API logs, SCA exemption flags, fraud-rate data, prior published quarterly statistics
Output FormatDrafted quarterly availability and performance statistics for publication under the RTS, plus a live register of consent and exemption breaches
“We only find out an exemption was applied wrongly when the quarterly numbers refuse to add up.”