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Service Provider Offering

The following tables illustrate the range of services offered by the Service Providers in the productive environment of bLink. While all foundational functionalities are supported, disparities arise in the breadth of data coverage and the support for certain endpoints. These differences require careful consideration by Service Users when integrating the APIs into their specific Use Cases. Understanding these variations is crucial for smooth integration and good performance in the bLink system.

Initially service providers primarily developed the consent flow for desktop and e-banking. However for many service users, especially modern fintech apps it is essential that the consent flow can be initiated directly on a smartphone. The first row of the table below shows which service providers support initiating the consent flow on mobile devices.

The Swiss market research firm Trenda has recorded the various consent flows of service providers on both desktop and smartphone. Trenda is kindly making these videos available to bLink service users as well as interested participants.

In the second column (Device: Smartphone) and third column (Device: Desktop) of the following table, you will find the corresponding video links. Access is password-protected.

Would you like to see how individual banks design the consent flow in their role as service providers?

Please contact us via the contact form and include “Trenda” in the text field. You will then receive the password.

About Trenda: Trenda is a Swiss company that helps retail banks, consulting firms, and providers in Switzerland and Liechtenstein make better, data-driven decisions through precise market analyses, current trends, and sound competitive insights. The digital Trenda platform provides curated market trends, relevant news, competitive analyses, and extensive data collections, enabling targeted evaluations and efficient collaboration within the organization. Learn more about Trenda.

Trenda company logo

ParticipantSP supports Consent Flow
initiated on smartphone		Video of Consent Flow
on smartphone		Video of Consent Flow
on desktop
Acrevis✅--
AKB✅Demo-
Avera✅--
BCJ✅--
BCV✅--
BEKB✅Demo-
CIC✅--
Clientis✅Demo-
Esprit✅--
HBL✅Demo-
LUKB✅Demo-
NKB✅Demo-
PostFinance✅Demo-
SGKB✅--
SZKB✅Demo-
TKB✅Demo-
UBS✅Demo-
Valiant✅Demo-
ZGKB✅Demo-
ZKB❌--

Account Information Service​

The table below highlights AIS-specific differences between Service Providers. The information is structured into general characteristics of the data offering and into API features, where each feature may include one or multiple endpoints and define the format in which the data is retrieved. The provided details may influence how account data and account information, such as balances and transactions, can be retrieved, interpreted, and processed by Service Users.

ParticipantSupported
Customer Segment		accountsiso20022
Support JSON EndpointsMax Limit for
paginated transactions		Available Data RangeSupport camt.053
XML files		Available Data Range
(at initial consent)		Available Data RangeSupport camt.052
XML files
AcrevisRetail & Corporate✅TBD2 Years✅2 Years2 YearsTBD
AKBRetail & Corporate✅TBD14 Months✅60 DaysAs of initial consentTBD
AveraRetail & Corporate✅TBD> 2 Years✅Last business day onlyLast business day only✅
BCJRetail & Corporate✅TBD3 Years✅0Last business day only✅
BCVRetail & Corporate✅TBD1 Year✅1 Year1 YearTBD
BEKBRetail & Corporate✅TBD> 2 Years✅> 2 Years> 2 YearsTBD
CICRetail & Corporate✅TBD2 Years✅2 Years2 YearsTBD
ClientisRetail & Corporate✅TBD2 Years✅0Last business day onlyTBD
EspritRetail & Corporate✅TBD2 Years✅2 Years2 YearsTBD
HBLRetail & Corporate✅1002 Years✅30 Days30 Days❌
LUKBRetail & Corporate✅1000> 2 Years✅> 2 Years> 2 Years✅
NKBRetail & Corporate✅TBD2 Years✅2 Years2 YearsTBD
PostFinanceRetail❗*1002 Years❌❌❌TBD
SGKBRetail & Corporate✅TBD2 Years✅5 Days5 Days✅
SZKBRetail & Corporate✅TBD5 Years✅0Last business day only✅
TKBCorporate✅TBDBalance=5 Days;
Transactions
=2 Years		✅Last business day onlyLast business day only✅
UBSRetail & Corporate✅TBD> 2 Years✅Since 02/2025, max. 2YSince 02/2025, max. 2Y✅
ValiantCorporate✅TBD2 Years✅0Last business day only✅
ZGKBCorporate✅TBD5 Years✅0Last business day only✅
ZKBRetail & Corporate✅TBD3 Years✅07 Days✅

❗*: The transactions endpoint exposes C-level (entry-level) transaction data only.

Payment Submission Service​

The table below highlights PSS-specific differences between Service Providers. The information is grouped by API features, where each feature may comprise one or multiple endpoints and define the format in which payment-related data is exchanged. The provided details may influence how payments are submitted, monitored, and processed within the integration.

Participantpaymentsiso20022consentsdiagnostics
Acrevis✅✅✅✅
AKB✅✅✅✅
Avera✅✅✅✅
BCJ✅✅✅✅
BCV✅✅✅✅
BEKB✅✅✅✅
CIC✅✅✅✅
Clientis✅✅✅✅
Esprit✅✅✅✅
HBL✅✅✅GET only
LUKB✅✅✅✅
NKB✅✅✅✅
SGKB✅✅✅✅
SZKB✅✅✅✅
TKB✅✅✅✅
UBS✅✅✅❌
Valiant✅✅✅✅
ZGKB✅✅✅✅
ZKB✅✅✅✅
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