THE OPEN BANKING DIRECTORY

The Directory is the key architectural component that enables third party providers (TPPs) to enrol onto the Directory and initiate interactions through APIs with account servicing payment service providers (ASPSPs). At its core, it is an identity and access management service providing identity information supporting natural persons, organisations and software identity classes.

The Directory will provide the necessary functional capabilities required for third party providers (TPPs) that successfully enrolled with OBL to identify and onboard with ASPSPs so that they can use the APIs provided by the ASPSPs. 

ASPSPs can utilise technical information contained within the Directory to validate organisation and software identity (active/inactive), QTSP validity and member state NCA register status (including passport information).

The functional capabilities can be broken up broadly into three capabilities:

You can find illustrations of high-level use cases in our developer zone here: High Level Use Cases

Once we receive your enrolment form, we undertake some checks / validation and then enrolment can take a few weeks to complete.

Part of these checks include making sure your company has the right permissions under PSD2 i.e., that you are an ASPSP, AISP and/or PISP and, if you are a non-UK corporate entity, that you are authorised to passport into the UK.