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2. Availability and Performance

This chapter section outlines various API availability and performance requirements and recommendations for ASPSPs in Bahrain. AISPs and PISPs are dependent on the well-established interfaces provided by ASPSPs so that they can in turn provide reliable services to their users/customers.

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• Guidelines to explain how these should be calculated by ASPSPs for the dedicated interface.

• A recommended benchmark for the dedicated interface on the basis of global best practices.

ASPSPs should ensure that the APIs/dedicated interfaces offered to AISPs/PISPs should at all times have the same level of availability and performance as the interfaces made available to the users/customers via the ASPSPs online environment.

For an effective Open Banking ecosystem to thrive, there is a need for industry-wide benchmarks, referred to as the "Recommended Benchmarks". Since these guidelines are based on global best practices, these will be reviewed on a regular basis in consultation with industry stakeholders. ASPSPs should refer to the recommended best practices for their interfaces.

Additionally, the guiding principle of these benchmarks is that ASPSPs must ensure (at least) parity between the availability and performance of the best performing interface (that they own and maintain to interact directly with customers) and that of their open banking interface which may be leveraged by AISP/PISPs.

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