About
NISP supports the implementation, testing & certification of the Berlin Group NextGenPSD2 Framework
implementation
optimal implementation with high error-free performance
The NextGenPSD2 Implementation Support Program – NISP supports banks, associations, schemes and interbank processors in implementing the Berlin Group NextGenPSD2 Framework. The primary objective is achieving swift compliance to all relevant regulatory and organisational requirements from the European Union (EU) and the European Banking Authority (EBA). NISP participants will further benefit from the exemption to implement a ‘fall-back’ interface solution. Such a common implementation support also helps to optimise implementations, maximise implementation quality levels, and solve interoperability issues and developer questions.
quality
NISP maximises implementation quality levels
interoperability
NISP resolves interoperability issues
questions
NISP supports developers questions
the bank customer controls
PSD2 provides that the bank customer controls Third Party access to his account information. The open interface to the bank account required for this purpose is also known as the XS2A interface. Such an interface was required by the European regulatory authorities with the PSD2 and the EBA RTS and standardised by the Berlin Group in their NextGenPSD2 Framework.
implementation projects throughout Europe
The Berlin Group NextGenPSD2 Framework allows interested market participants to start implementing the PSD2 required account information (AIS), payment issuer instrument (PIIS) and payment initiation (PIS) services into a common, interoperable and harmonised interface and infrastructure. Numerous markets in Europe (such as in Austria, Belgium, Croatia, Denmark, Estonia, Finland, France, Germany, Greece, Italy, Latvia, Lithuania, Malta, the Netherlands, Norway, Portugal, Spain and Sweden) and in Israel have started implementation processes for the Berlin Group NextGenPSD2 Framework.
innovative solutions for european bank customers
The implementation of the Berlin Group NextGenPSD2 Framework enables Third Party Providers to provide innovative “Banking as a Service” solutions to bank customers throughout Europe.
Who participates in NISP
NISP Anti-Trust Guidelines and Proper Conduct Rules
NISP brings together business competitors from the same market sector, and is by nature discussing a common NextGenPSD2 implementation support to the benefit of participants and the overall industry. NISP has transparent, non-discriminatory and objective admission criteria and participation rules which are published on the NISP website. NISP project activities involving its participants are conducted in compliance with its agreed terms of reference. The terms of reference and the scope of activities of the NISP project aim to be in full compliance with national and EU regulations. The simple participation in a common support project in itself cannot be considered to be an infringement of competition law (e.g. when significant benefits to consumers or industry are produced) and NISP participants designate the utmost value to respecting and complying to EU and Member States competition law. In order to prevent any type of competition law infringement within the scope of collective NISP discussions, workstreams and deliverables and help ensuring that inadvertent breaches of such competition laws are avoided, the following Anti-Trust Guidelines and Proper Conduct Rules have to be obeyed by NISP participants:
- NISP meetings (including conference calls, contacts with third parties) are only attended for the above-mentioned purpose and are not intended to discuss or share commercially sensitive, strategic or competitive information, or any other non-public/confidential information that would infringe or give the appearance of infringing competition / anti-trust rules or can be perceived as collusive behaviour in any form whatsoever. In practice this means that exchange of information on prices, sales volumes, costs, business plans, allocation of markets / customers, exclusion of (potential) competitors, limitation of services, technical developments or investments, should be avoided. However, exchange of information which is general and non-strategic and needed to promote innovation and / or security is permitted.
- At the beginning of each meeting, participants are reminded to observe and obey anti-trust laws in general and the NISP Anti-Trust Guidelines and Proper Conduct Rules in specific. Recordings of meetings shall accurately reflect what was discussed and shall at least contain a statement that participants have been reminded of their responsibility to observe and obey anti-trust laws in general and the NISP Anti-Trust Guidelines and Proper Conduct Rules in specific.
- Before each meeting, a written meeting agenda will be prepared and issued at least one week in advance of each meeting. The content of the meeting agenda must be clear, precise and respect the terms of the invitation to attend
- Discussions during meetings should be limited to agenda topics.
- Minutes of each meeting, or a summary of the principle conclusions is approved by the participants (using any means necessary : at the next meeting, by email, etc.) and archived afterwards.
- The NISP Secretariat must ensure that issues which are susceptible to raise questions regarding competitive practices are not listed on the meeting agenda or are not being discussed during meetings.
- Discussions, decisions, instructions, recommendations or any other action taken by NISP participants shall be taken strictly in accordance with competition law and shall not be construed to have either the object or effect of leading to anti-competitive restrictive practices.
It is the responsibility of each NISP participant to ensure strict compliance with these NISP Anti-Trust Guidelines and Proper Conduct Rules. In case of doubt or concern, participants should consult their own legal counsel.
These NISP Anti-Trust Guidelines and Proper Conduct Rules have been endorsed by the NISP Steering Committee in its meeting of 3 July 2018.