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Open Banking/PaymentRequest. Re: [Minutes] Virtual WPWG meeting (30 March - 2 April 2020)

From: Anders Rundgren <anders.rundgren.net@gmail.com>
Date: Thu, 9 Apr 2020 07:39:50 +0200
To: Web Payments Working Group <public-payments-wg@w3.org>
Cc: Chris Michael <chris.michael@openbanking.org.uk>, Robache Hervé <herve.robache@stet.eu>, "Scheja, Dr. Ortwin" <ortwin.scheja@src-gmbh.de>
Message-ID: <7085976b-d9b6-f75a-0add-04f3f538d157@gmail.com>
 From what I can deduct from the minutes, the progress on the connection between Open Banking and PaymentRequest seems to be quite limited.

There is a simple explanation to that: The Open Banking payment concept requires the user to interact with not less than three entities during checkout:
- Merchant
- Bank
You might add a payment handler as a "helper" but it would also add fuzz to the on-boarding process which is a big no-no.

The Open Banking payment concept will likely get a hard time on the market since banks are also betting on already established "omnichannel" mobile payment solutions and dedicated APIs like Swish(SE), Vipps(NO), MobilePay(DK), PayLib(FR), TWINT(CH), etc.

FWIW, I have proposed an enhancement to the PISP security model which indeed would make it compatible with PaymentRequest.


On 2020-04-02 21:43, Ian Jacobs wrote:
> Dear Web Payments Working Group,
> Thank you for participating in this week’s virtual meeting. Here are the minutes from the four days (in order). These are also
> linked from the meeting page [1]:
> 	• 30 March on payment handlers
>            https://www.w3.org/2020/03/30-wpwg-minutes.html
> 	• 31 March on SRC
>            https://www.w3.org/2020/03/31-wpwg-minutes.html
> 	• 1 April on authentication, payment handlers, and open banking
>            https://www.w3.org/2020/04/01-wpwg-minutes.html
> 	• 2 April on merchant feedback, open banking
>            https://www.w3.org/2020/04/02-wpwg-minutes.html
> If you spot any errors, please let me know. I do not yet have links to all of the presentations but I hope to have them soon
> (and then I will add links to the minutes).
> Ian
> [1] https://github.com/w3c/webpayments/wiki/FTF-Mar2020
> --
> Ian Jacobs <ij@w3.org>
> https://www.w3.org/People/Jacobs/
> Tel: +1 718 260 9447
Received on Thursday, 9 April 2020 05:40:08 UTC

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