🌍
Jurisdiction
France
📅
Effective Date
2019
Sep 14, 2019
✅
Full Compliance
2019
Sep 14, 2019
🏛️
Regulator
Autorité de Contrôle Prudentiel et de Résolution
Overview
STET was created by a group of major French banks to undertake the development of a platform meeting PSD2 transformation challenges. The STET PSD2 API standard provides account information services, payment initiation services, and confirmation of funds. It uses ISO 20022 data elements and RESTful architecture with JSON format.
Scope & Coverage
AISPISCAF
Key Requirements
1
ISO 20022 compliance2
Strong Customer Authentication (SCA)3
ACPR TPP registration4
RESTful JSON APIsImplementation Timeline
Jan 1, 2018
STET PSD2 API specification published
Sep 14, 2019
PSD2 SCA requirements in force
API Specifications
Technical standards and API specifications for implementing STET PSD2 API:
Official Documents & Resources
Key Notes
Used by major French banks including BNP Paribas, Société Générale, Crédit Agricole. Also adopted in Belgium.
Official Resources
Related Regulations
Other open banking frameworks in Europe:
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