What is Test & Monitoring?

The European Union directive PSD2 (Payment Service Directive 2) announced in 2016 implements an open banking API on European market, enabling third parties to initiate payments and access to the client’s bank accounts.

APILogic Test & Monitoring consist of three services:

1.  Performing integration tests of the dedicated PSD2 interface, including services:

  • PIS - Payment Initation Service
  • AIS - Account Information Service
  • CoF - Confirmation of Funds

2. Constant 24/7 monitoring of the dedicated PSD2 interface on production environment in accordance with the requirements of RTS and FSA (in Poland: KNF) .

3. Support for performing functional tests using APILogic HUB

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SCOPE OF THE SERVICE - APILOGIC TEST & MONITORING

The following goals will be achieved performing integration tests:

  1. Confirmation of the possibility of calling services from an external TPP PSD2 client.
  2. Confirmation of the correctness of data transferred or received as part of called services
  3. Confirmation of compliance with the PolishAPI specification as part of integrating test cases.

The following goals will be achieved performing functional test support service:

  1. Cost reduction of verifying implementation of PSD2 services thanks to the APILogic Hub functionalities.
  2. Shortening the time of functional tests.
  3. Automation of regression tests.

As part of the production monitoring of the dedicated PSD2 interface, the following objectives will be achieved:

  1. Monitoring of the availability of the AIS, PIS, and COF services by use of external Third Party Provider (TPP) - the external client to ASPSP.
  2. Monitoring of the efficiency of the AIS, PIS, and COF services by use of TPP
  3. Gathering and publishing the key performance indicators in accordance with the requirements of RTS and FSA (Polish KNF) .

DESCRIPTION OF THE APILOGIC TEST & MONITORING SERVICE

PSD2 directive requires that ASPSP (eg. banks) enable the availability of PIS, AIS and CoF services to external TPP by mean of a dedicated interface. TPP are those entities that have obtained a special licence for become payment institution and perform defined by their business model services.

The PSD2 directive and the Regulatory Technical Standards (RTS) impose on the ASPSP numerous duties related to the dedicated interface, including:

  • RTS Article 32 point 1: High availability of a dedicated interface and the services
  • RTS Article 32 point 2: Creation and reporting of performance indicators for the interface and services in accordance with the requirements of RTS.
  • RTS Article 33 point 1: Activation of the emergency means in case of responses longer than 30 seconds for the 5 following TPP requests.

The proposed solution APILogic Test&Monitoring supports the implementation of the above mentioned requirements by the following components:

  • Integration tests
  • Production monitoring of the dedicated PSD2 interface
  • Support for performing functional tests
INTEGRATION TESTS

As part of this service, Inteca by use of a TPP client named APILogic Hub will conduct integration tests of all functionalities offered in the dedicated PSD2 interface . The tests will be carried out within the PolishAPI specification for:

  • TPP client registration
  • Validation of EIDAS certificates (SSL and stamp)
  • AIS (Account Information Service)
  • PIS (Payment Initiation Service)
  • CoF (Confirmation of Funds)
  • AS Callback
  • PIS Callback
  • AIS Callback

Performing integration tests by use of an external tool (APILogic Hub) will allow to:

  • Confirm the proper operation of services in the external to the Bank environment.
  • Prepare the solution for functional tests.
  • Confirm that the solution complies with the requirements of the PolishAPI and RTS standards.
  • Prepare solutions for the issues not regulated in the standards.
PRODUCTION MONITORING OF THE DEDICATED PSD2 INTERFACE

As part of this component, Inteca in continuous mode 24/7 will monitor the availability and efficiency of production services dedicated to the PSD2 interface. The monitoring will be carried out by mean the external APILogic Hub tool from the server room located in Poland and France or Germany.

  • On a monthly basis, the efficiency indicators will be transferred to the Bank, that can be used for the required reporting to the FSA (Polish KNF)
  • In case of lack of availability to the dedicated interface or if the response time of 5 following requests will be longer than 30 seconds, the information will be communicated to the Bank in immediate mode

The monitoring will cover all services offered as part of the dedicated PSD2 interface:

  • TP customer registration
  • Validation of EIDAS certificates (SSL and stamp)
  • AIS (Account Information Service)
  • PIS (Payment Initiation Service)
  • CoF (Confirmation of Funds)
  • AS Callback
  • PIS Callback
  • AIS Callback

SUPPORT FOR FUNCTIONAL TESTS USING THE APILOGIC HUB

As part of this service, we use the APILogic Hub tool to support the process of functional testing. The execution time and the cost of testing are reduced thanks to APILogic Hub functionalities. All APILogic Hub functionalities are offered through user screens. By means of mentioned before, testing PSD2 services does not require technological expertise from the test team.

Performing functional tests using an external tool (APILogic Hub) will allow:

  • Automate and improve the testing process
  • Conduct tests using standard team of testers and methods used in the bank without the need to engage specialized development resources
  • Confirm that the solution complies with the requirements for the AIS, PIS and CoF services
  • Automate regression tests.

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