The risk profile completely changes

The risk profile completely changes when you move from AISP (Account Information) to PISP (Payment Initiation). Reading a balance is one thing; moving money is another. I feel like the security standards for write-access APIs need to be way stricter. I found a good comparison on securing Open Banking APIs and the layered approach to mitigating risks in third-party integrations: https://cybersecuritynews.com/securing-open-banking-apis-mitigating-risks-in-third-party-integrations/. It argues for step-up authentication (MFA) for any sensitive action. If the API doesn't trigger a biometric check on the user's phone for a transfer, it's not secure enough for 2026. Convenience shouldn't override basic theft prevention.

Moving from AISP to PISP significantly increases security risks because initiating payments requires stronger protection than simply reading account data. Users should always download PDF file reports on API security guidelines for better understanding link to website. With Fusionner PDF, multiple security documents can be combined into one structured file for easier review.