The following lists provide an overview of current and previous standardization initiatives in the banking environment.
- ISO 20022
ISO 20022 is an ISO standard for the modelling and electronic data exchange between financial institutions. For this purpose, an extensive data repository has been set up with ready-made business components from which the messages can be compiled.
Quellen: Wikipedia, official website, technical information/resources - nextGenPSD2 by The Berlin Group
nextGenPSD2 is an API standard published and maintained by The Berlin Group (TBG). This EU-based interest group aims to define open and common, API schemes and process-independent standards in the interbank area between creditor banks (acquirers) and debtor banks (issuers) and to complement the work of organisations such as the European Payments Council (EPC) independently. The nextGenPSD2 specification is based on the Payment Services Directive 2, an EU directive regulating payment services and payment service providers throughout the EU/EEA area.
Quellen: Wikipedia, official website, technical information/resources, yaml-Datei - Open Banking UK (OBUK)
This initiative is driven by the Competition and Market Authority (CMA) and supported by the nine largest banks in the country (Barclays plc, Lloyds Banking Group plc, Santander, Danske, HSBC, RBS, Bank of Ireland, Nationwide and AIBG). It has a strong commitment to promoting innovation and competition in financial services in the UK. It has contributed to this by providing application programming interfaces (APIs), data structures and security mechanisms that enable customers to exchange financial information easily and securely
Quellen: Wikipedia, official website, technical information/resources - Stet PSD2
This initiative was launched by the main French clearing house, STET, and is supported by contributions from the country's largest banks: BNP Paribas, Groupe BPCE, Groupe Crédit Agricole, Banque Fédérative du Crédit Mutuel, CIC, Banque Postale, Société Générale, Caisse des Dépôts et Consignations, Crédit Mutuel, ARKEA, HSBC France and OCBF These institutions will not be forced to implement the solution. It is working towards convergence with the Berlin initiative NextGenPSD2 of the Berlin Group (see above) to create a pan-European standard.
Quellen: Wikipedia, official website, technical information/resources - FIX
The Financial Information eXchange Protocol (FIX) is an electronic communication protocol initiated for the international real-time exchange of information related to securities transactions and markets.
Quellen: Wikipedia, official website, technical information/resources - OFX
Open Financial Exchange (OFX) is a standard developed mainly in the USA by commercial companies to cover the exchange of financial data and the execution of financial transactions.
Quellen: Wikipedia, official website, technical information/resources - EBICS
The Electronic Banking Internet Communication Standard (EBICS) is a transmission protocol for sending payment information between banks over the Internet. It is mandatory for use at German banks and has also been adopted by France and Switzerland.
Quellen: Wikipedia, official website, technical information/resources - FinTS
Financial Transaction Services (finTS) is a further development of the HBCI standard.
Quellen: Wikipedia, official website, technical information/resources - HBCI
Home Banking Computer Interface (HBCI) is an open standard developed in Germany by various banks for electronic banking and customer self-service. In the meantime it has been replaced by FinTS.
Quellen: siehe FinFS
Angaben zu Standardisierungsinitiativen im Versicherungsumfeld folgen zu gegebener Zeit.
