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This report summarises the analysis conducted by the Technical Task Force (TTF) of the Consultative Group on Innovation and the Digital Economy (CGIDE) on the solutions available for payment initiation within a centralized application programming interface (API) architecture.
Specifically, two solutions for payment initiation are explored: (i) the first makes use of a central validator (CV) auth-app such as the one described in the first report published by the CGIDE in December 2020, provided by a CV for the authentication and validation; (ii) the second involves the use of a similar functionality natively integrated in a payment initiator's payment app. In addition, the report summarises the main insights gained from meetings held with several industry participant.
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