Page Comparison

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1. Detailed Customer Journey

   • A customer journey is a visual representation of every experience the customers will go through for a use case. Bahrain OBF covers all the necessary and important elements of the Open Banking customer journey to be followed by the Open Banking participants.

2. Variations of the use cases

   • Multiple variations are covered within a use case based on customer journeys, user interfaces and technical API specifications.

3. Additional Supplementary Information

   • Supplementary Information should to be displayed to the User/Customer, having regard to the principle that parity should be maintained between Open Banking journeys and the ASPSPs direct online channel journeys. Additional Information may include fees, charges, warning signs, transaction summary, vulnerable transaction, etc. The ASPSP will decide on this field/information based on the applicability.

4. Sequence Flow

   • A sequence flow is the connector between two elements of a process. After an element is visited during process execution, all outgoing sequence flows should be followed.

5. Security and Access Control

   • Access control is a security technique that regulates who or what can view or use resources in an open banking ecosystem. Access control systems perform identification, authentication and authorization of the AISP/PISP and the user/customer by evaluating required login credentials.

6. Reusable Components

   • APIs are built on principle of reusability where an API can be functionally reused for different applications and provide the filtering according to the requirements of the party involved. This will lead to reduction in development cost and time to market.

7. Endpoints

   • When an API interacts with another system, the touchpoints of this communication are considered endpoints. Each endpoint is the location from which APIs can access the resources they need to carry out their function. API performance relies on its ability to communicate effectively with API Endpoints.

8. Data Model, Object Model and Data Dictionary

   • Data Model is a logical structure of database which describes its design to reflect entities, attributes, relationship among data, constrains etc. A data dictionary is a list of key terms and metrics with definitions, a business glossary. Data Model and Data Dictionary facilitates better understanding of APIs and related endpoints.

9. Usage Examples

   • Each use case has been provided with multiple JSON examples to make the API specification easily understandable for all the stakeholders.

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