Incorporating idempotency is an important part of building robust and predictable APIs.

Some associate the Australian CDR as EU’s PSD2 which is incorrect as CDR provides a boilerplate for multiple industries to open up.

Third parties have come to a crossroad, either build compatibility and onboard multiple specifications or adopt an API aggregator.

Detached JWS allows non-intrusive integrity validation for existing mediums, With minor modifications to JWS this can be accomplished.

With PSD2 mandating strong customer authentication, repeated multi-factor authentication can be a burden this can be eased with TRA.