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* Create clean version of release 1.28.0 * Removed last remaining diffs * Updates to NBL Draft Standards To reflect details and feedback from #317, and to support #318. * Decision Proposal 306 Candidate Standards Reflects proposed changes to the Banking Standards as a result of consultation and feedback to #306 * Rebuild * Rebuild * Version delta for Enum type fix * Rebuild * Add CX section with Banking Language to NBL Draft * Version Delta for updates to Additional Standards * Rebuild * Rebuild * Rebuild --------- Co-authored-by: James Bligh <[email protected]> Co-authored-by: Nils Berge <[email protected]>
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docs/includes/additional/candidates/dp306/banking-dp306_apis
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| <h1 id='banking-apis'>Banking APIs</h1> | ||
| <aside class="notice"> | ||
| This standard is part of the Consumer Data Standards and is classified as a <strong>Candidate Standard</strong><br/> | ||
| This means that: | ||
| <ul> | ||
| <li>The standard <i>is not</i> binding</li> | ||
| <li>The standard can only become binding via a formal decision of the Data Standards Chair</li> | ||
| <li>The standard is considered stable</li> | ||
| <li>Material changes to the standard require a formal decision of the Data Standards Chair</li> | ||
| </ul> | ||
| </aside> | ||
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| <p>This specification defines the APIs for Data Holders exposing Banking endpoints.</p> | ||
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| <table> | ||
| <tr><td><a href='../../../../includes/swagger/cds_banking_dp306.json'>Banking OpenAPI Specification (JSON)</a></td></tr> | ||
| <tr><td><a href='../../../../includes/swagger/cds_banking_dp306.yaml'>Banking OpenAPI Specification (YAML)</a></td></tr> | ||
| </table> | ||
| <pre class="highlight diff tab-diff"><code>Changed the `cardArt` array to a `cardOption` object to provide additional card details in 'Get Products', 'Get Product Detail' and 'Get Account Detail'. | ||
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| Added the `FEE` `lendingRateType` value to support lending products that have a fee-based rather than rate-based cost. This type may be expected to align to the new `PRINCIPAL_AND_FEE` `repaymentType`. | ||
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| Added the `BALANCE_TRANSFER` `lendingRateType` value to extend support for credit card plan detail. | ||
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| Updated the `creditCard` schema in 'Get Account Detail' to allow an array of plan types, each with specific rates, repayments, adjustments and features. | ||
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| Added `revertRate`, `revertProductId`, `rateStartDate` and `rateEndDate` fields to respective lending rate schemas to support 'revert' rate details. | ||
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| Added `referenceRate` to multiple lending and deposit rate schemas. | ||
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| Added `adjustmentToBase` and `adjustmentBundle` fields to the 'BankingProductLendingRate' and 'BankingProductDepositRate' schemas. The `adjustmentToBase` field is provided to allow an adjustment rate type to specify which base rate type the adjustment applies to, where many may be offered for a product. | ||
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| Updated and added the `applicabilityConditions` field in the 'BankingProductLendingRate', 'BankingProductDepositRate' and 'BankingProductRateTier' schemas. | ||
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| Added the `applicationType` field to clarify whether an associated `applicationFrequency` value is to be expected. | ||
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| Updated the description of the `features` property of 'Get Product Detail' and 'Get Account Detail' to clarify that the schema also supports providing details of any key operational product limitations. | ||
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| Updated the description of the `constraints` property of 'Get Product Detail' to clarify that the schema is only intended to provide details of constraints on application for the product. | ||
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| Added new `featureType` values to support operational limitations and the `OTHER` `constraintType` to allow additional detail to be provided. | ||
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| Added new `feeCategory` field and new `feeType` values to improve classification and comparison of fees. | ||
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| Updated the 'BankingProductFee' schema to separate different fee types by UType and added minimum and maximum fee details and `feeCap` fields. | ||
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| Incorporated rate detail into the 'Get Account Detail' schemas to provide specific rate fields separated from the generic Product Reference rate objects. | ||
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| Extended the `termDeposit` schema in 'Get Account Detail' to allow each deposit to be specified with specific rates and terms. | ||
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| Updated the 'adjustment' rate type values to remove the `INTRODUCTORY`, `BUNDLE_BONUS`, `BUNDLE_DISCOUNT_FIXED`, `BUNDLE_DISCOUNT_VARIABLE` options. Time and bundle-based rate detail will be supported through new fields to capture that detail: `adjustmentBundle`, `adjustmentPeriod` and `adjustmentEndDate`, leaving the `additionalValue` field available for other detail where necessary. | ||
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| Added a `deposit` schema in 'Get Account Detail' to provide rate detail for general deposit structures without term deposit maturity detail. | ||
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| Removed the `specificAccountUType` field in 'Get Account Detail' to clarify that multiple types may be present in a single account. | ||
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| Updated the 'Use of additionalValue Field' descriptions for the `PENSION_RECIPIENT` and `STUDENT` 'Product Eligibility' and 'Product Discount Eligibility' types. | ||
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| Updated the description of the `comparisonRate` field to clarify how it could be interpreted when associated with an adjustment rate type. | ||
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| Updated the description of the rate tier `unitOfMeasure` field to clarify the format of the associated values, including specifying `PERCENT` values as a RateString. | ||
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| This candidate incorporates the latest Non-Bank Lending (NBL) Draft changes including the `BUY_NOW_PAY_LATER` product category value, the `instalments` object, and related feature and fee types. The endpoint versions incremented due to changes related to the NBL Draft only, are: | ||
| - Get Accounts (v3) | ||
| - Get Bulk Balances (v2) | ||
| - Get Bulk Direct Debits (v2) | ||
| - Get Scheduled Payments Bulk (v3). | ||
| - Other NBL changes affecting the Register APIs are only shown in the NBL Draft. | ||
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| The endpoint versions incremented primarily for Decision Proposal 306, but also including NBL detail are: | ||
| - Get Account Detail (v4) | ||
| - Get Products (v4) | ||
| - Get Product Detail (v5). | ||
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| Corrected minor typos and updated documentation formatting. | ||
| </code></pre> |
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