Czym jest dyrektywa PSD2?

Under Article 32(1) and Article 32(2) of the RTS and EBA Guidelines 2.2.-2.4, the Bank developed the following key availability and performance indicators (KPI) of the Dedicated Access Interface (API):

1. Availability – Guideline 2.2.
   • uptime per day: 98%
   • downtime per day: 2%
2. Performance – Guideline 2.3.
   • daily average time (in milliseconds) taken, per request, for the ASPSP to provide the payment initiation service provider (PISP) with all the information requested in accordance with Article 66(4)(b) of PSD2 and Article 36(1)(b) of the RTS: 220 milliseconds
   • daily average time (in milliseconds) taken, per request, for the ASPSP to provide the account information service provider (AISP) with all the information requested in accordance with Article 36(1)(a) of the RTS: 90 milliseconds
   • daily average time (in milliseconds) taken, per request, for the ASPSP to provide the card-based payment instrument issuer (CBPII) or the PISP with a ‘yes/no’ confirmation in accordance with Article 65(3) of PSD2 and Article 36(1)(c) of the RTS: 5000 milliseconds
   • daily error response rate – 0.3%:
3. Rules for calculating the availability indicators
   Under EBA Guideline 2.4, the Bank calculated availability indicators based on the following assumptions:
   • percentage uptime was calculated as: 100% minus percentage downtime;
   • percentage downtime was calculated using the total number of seconds the dedicated interface was down in a 24-hour period, starting and ending at midnight;
   • the calculations assumed that the Dedicated Access Interface is ‘down’ when five consecutive TPP’s requests for access to information for the provision of PIS, AIS or CAF are not replied to within a total timeframe of 30 seconds. The Bank calculated downtime from the moment it has received the first request in the series of five consecutive requests that were not replied to within 30 seconds, provided that there is no successful request in between those five requests to which a reply has been provided.

Plan for publication of daily statistics

Under Article 32(1), (2) and (4) of the RTS and Guidelines 3.1. and 3.2. of EBA Guidelines, Alior Bank S.A., hereinafter referred to as ASPSP, developed a Plan for publication of daily statistics on a quarterly basis on the availability and performance of the Dedicated Access Interface (API) and each of the interfaces made available by the Bank for directly accessing its payment accounts online, in such a way as to enable one comparisons between these interfaces.

These statistics are prepared in accordance with the Incident Management process operated by the Bank and its API Report Preparation Policy, and based on the support tools operating in the Bank.  The Bank intends to publish the statistics within 21 days following the close of the relevant reporting quarters.