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  • Customer journeys with essential requirements and mandatory requirements

  • API technical specifications encompassing open data/read-write API specifications, UML diagrams, data models, endpoints and usage examples

2.  Theme

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Selection

Four themes have been identified that form the backbone of categorizing and developing the Use cases for Bahrain’s open banking framework (BOBF).

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In consultation with the Open Banking Committee and based on the inputs received from the industry, an initial list of use cases have been finalised to be part of Bahrain’s Open Banking Framework

 

 

S. No.

Category

Theme

Use

cases

Cases

Description

1

PISP

Single Domestic Payment

  1. Account selection @ PISP

  2. Account selection @ ASPSP

  3. Account selection @ PISP with Supplementary information

Single domestic payment Domestic Payment allows the User/Customer to post his/her consent to the PISPs to make a one-time payment for a specific amount to a specific payee immediately, wherein the PISP provides this instruction to the customer’s ASPSPs (banks)

 

2

PISP

Single Future Dated Domestic Payment

  1. Single Future Dated Domestic Payment

  2. Cancellation of single future dated domestic payment @ PISP

Single future dated domestic payment Future Dated Domestic Payment allows the User/Customer post his/her consent to PISPs to make a one-off payment for a specific amount to a specific payee on a specific future date, wherein the PISP provides this instruction to the customer’s ASPSPs (banks)

3

PISP

Single International Payment

Single international payment International Payment allows the User/Customer post his/her consent to PISPs to make an international payment for a specific amount to a specific payee, wherein the PISP provides this instruction to the customer’s ASPSPs (banks)

4

PISP

Bulk/Batch Payment

Bulk/ batch payment Batch Payment allows the User/Customer post his/her consent to the PISPs to initiate multiple payments to one or more beneficiaries, wherein the PISP provides this instruction to the customer’s ASPSPs (banks)

5

AISP

Account Information Sharing

AccountInformationSharing allows the User/Customer post his/her consent to the AISPsto instruct his/her ASPSPs (banks)to share the User/Customers’ data. The AISPs can access the User/Customers data to provide recommendations/ innovative financial products and services as per his/ her needs

6

AISP

Sharing Product Details

Sharing Product details allows third party developers (such as price comparing websites, AISPs) to request for ASPSPs (banks)products and services details. The ASPSPs share the requested information through standard APIs

7

Essential

Consent Management

  1. Consent dashboard and revocation

  2. Access dashboard and revocation

  • Consent Dashboard allows the User/Customer to view, refresh and revoke consent that they have given to the AISP to access User/ Customers’ data

  • Access Dashboard allows the User/Customer to view, refresh and revoke access that they have given to that AISP through ASPSPs portal

8

Essential

Notification

  1. Event Subscription

  2. Real Time Notification

  3. Aggregated Polling

  • Event Subscription allows an AISP and (or) PISP to register with an ASPSP to subscribe to real time and (or) aggregated polling event notifications, specify a list of event types to be notified on and optionally read, update or delete a registered event subscription

  • The Real Time Notification allows ASPSPs to notify an AISP and (or) PISP in real time, that an event has occurred

  • Aggregated Polling allows AISPs and(or) PISPs to request ASPSPs for an aggregated set of notifications related to multiple User/Customer accounts during a specific period, enabling them to update their records and contact the User/ Customer

4.  Key

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Elements

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