We're thrilled to announce significant improvements to the Basiq API & Consent UI.

New Features 🌟

Consent History in Consent UI - Manage Action

On the Consent Management screen, you can now view the history of previously expired/revoked consents. Additionally, if you trigger action=manage with no active consent, a list of all previously revoked or expired consents will be displayed. You can read more here.

Enhancements ✨

DH Authorization Errors in the Jobs Endpoint

Enhanced Error Reporting: If the DH authorization flow is not successfully completed by the user (e.g., user cancels the flow or encounters other DH-related issues), the error details are now exposed in the jobs endpoint. This helps our partners better understand the issues.

Basiq Connect (AuthUI)

• The length of the OTP code has been increased from 4 to 6 characters to enhance security.
• The @basiq/connect-auth NPM package has been updated to version 1.1.0.

Read more here.

ConsentUI - Trusted Adviser

We have updated the appearance of the Trusted Adviser (TA) banner and popup for a more streamlined and user-friendly experience. Additionally, we have added a TA disclaimer message above the consent confirmation button to provide clearer information and improve the overall transparency of the consent process. You can read more here.

Stay Updated 📢

If you have any questions or need further assistance, don't hesitate to reach out to our support team.

🌟 Basiq Dashboard Updates

• 🔒 Authenticator Apps for 2FA: The Basiq Dashboard now supports Authenticator apps as a method for Two-Factor Authentication (2FA). We will gradually prompt users who have not enabled 2FA to set it up, and eventually, it will become mandatory.

• 🔄 MFA Connection Status: The Basiq Dashboard now accurately displays the status of Multi-Factor Authentication (MFA) connections.

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🔈 Product Updates

Please find below the key highlights of the latest features and improvements our team has released over the past few weeks.

1. 👤 Enhanced User Connections Visibility: All connections, except for deleted ones, are now visible through the get user connections endpoints. This improvement enhances the developer experience and provides better visibility during the initial stages of the Consumer Data Right (CDR) journey.

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2. 🔔 New Events for Enhanced Notifications: We have added new events for account.updated, connection.invalidated, and transactions.updated. These events enable our partners to set up notifications based on more meaningful and specific triggers.

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3. 🔗 Extended Connectors Endpoint: The connectors endpoint has been extended with new CDR fields, offering more comprehensive data integration capabilities.
   1. 📧 cdrEmail - The email address for CDR-related inquiries.
   2. 📜 cdrPolicy - The URL to the CDR policy document detailing the institution's data practices and consumer rights.
   3. 🔢 cdrProviderNumber - A unique identifier assigned to the CDR institution by the CDR program.

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4. 🗑️ Improved Data Deletion Process: Our data deletion process has been refined to ensure more efficient handling of data.

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5. ✅ CDR Compliance Updates: We have updated our CDR compliance with the ACCC CDR Exemption register. Additionally, we've added a CDR Policy Link, CDR Support Email, and CDR Provider Number on the Business Consumer Consent (BCC).

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6. 📘 New Account Verification Guide: We’ve created a simplified “How-To” guide on Account Verification. Previously, we only had the starter kit. This new guide allows customers to see prerequisites, flow, and screens used for Account Verification. The new guide can be found here.

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7. 📄 Connection Status Documentation: All connection statuses, including Pre-init, are now defined in our documentation. You can find the details here.

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8. 🖨️ PDF Report Retrieval via API: You can now retrieve PDF format directly from the API. Previously, this was only possible via the Dashboard. For Statements & reports, PDFs are retrieved when using the Accept header (application/pdf) on a GET request. Only portrait mode is supported.

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🌅 Payments Feature Sunset

We've officially sunsetted the Payments feature from Basiq. As part of this, the Payment APIs and Payment Guides have been removed from our Developer Hub.

Stay Updated 📢

If you have any questions or need further assistance, don't hesitate to reach out to our support team.

Changelog 📝

Stay Updated 📢

New Features 🌟

Account Updated Event Released: We're excited to announce the launch of the Account Updated Event! 🚀 Stay up-to-date with the latest account changes instantly.

New Payment Details in CDR:

• We’ve introduced new paymentDetails fetching capabilities through CDR:
  • BPAY Options:
    • billerCode: Instantly identify your biller.
    • billerName: Clearly see who you are paying.
    • crn: Use Custom Reference Numbers for simplified payment tracking.
  • apcaNumber is also now available for more streamlined banking transactions. 🏦💳

Dashboard Updates: We have added 2 additional fields in the dashboard customiser: Reference name and Manage consent URL. The values of these fields will be shown in the Cancellation modal and Manage your data sharing modal. 🛠️💼 Read more details here.

Enhancements ✨

Reports for Multi Users: Generate comprehensive reports for multiple users at once. More power to team management! 📊 You can read more details here.

Expense Details Update in Dashboard: We've refined how expense details are presented on your dashboard for users of Affordability, making it easier to track your spending and manage finances efficiently. 📉

📘

Note

This update is specific to the Affordability product, and does not apply to Insights/Reporting.

Improvements 🔧

Updated Upload Statement Form on Basiq Dashboard:

To improve customer experience and minimise errors, we now require partners to select a file format before uploading a statement. This ensures compatibility and prevents uploads for unsupported institutions. 📁🔍

API Updates 🌐

New Event in Production:
The connection.invalidated event is now live in production. This event is triggered when a connection status changes from active to invalid due to user-related errors. The specific user-related errors that will trigger this event for web and OB connections are as follows:

Web Connections:

• 🛑 user-action-required.
• ❌ invalid-username-or-password.
• 🚫 invalid-connection.
• 🔒 locked-account.
• 🔐 multifactor-required.

OpenBanking Connections:

• ⏳ expired CDR arrangement - user didn’t re-authorise.
• ⚠️ any issue occurred during user re-authorisation.

We're continuously working to make our services better for you! Keep the feedback coming! 🙌

We're thrilled to announce significant enhancements to the Basiq Dashboard. Here's what's new:

📄 Enhanced Reports and Statements Generation

PDF Statement Generation: Partners enabled for Reports can now generate PDF Statements directly from the User Account detail screen, integrating with our robust Bank Statements APIs by Insights.

Per-Partner Enablement: To enable this feature for new partners, please reach out to our Support team.

✨ UI Redesigns

Redesigned Signup and Login UI: We've updated the appearance of Dashboard registration, login, and other related screens to align visually with our redesigned Basiq website.

SSO/Azure Partners: The login prompt has changed from 'Login with AzureAD' to 'Sign in using SSO' to better reflect the authentication process.

🔧 Dashboard Functionalities

Configurable Access: Access to the Reports screen and the ability to generate statements within a user account is now configurable through our Support team.

Improved Feedback Mechanisms: The Dashboard now displays success and error messages more accurately. JSON output for reports now presents the full report data.

Visual and Wording Updates: Various UI elements and phrases have been refined for clarity and usability.

🛠️ Improvements and Bug Fixes

Statement Uploads: We've made several enhancements to the upload statements form as we prepare to transition partners from the Classic Dashboard.

Bug Fix in Permissions: Resolved an issue where Partners sometimes faced difficulties assigning permission sets to Members.

🆕 Identity Endpoint Enhancements

Expanded Schema: The schema for GET /identities and GET /identities/{identityID} has been expanded to include two new fields: connectionID and institutionID.

📘

🙏 Your Feedback Matters!

We are continuously looking to improve, especially in enhancing our Statement functionality. Please keep sharing your valuable feedback!

👍

Quick Links

• Create and export Statements.
• Identity Endpoint

Insights release: Bank Statements 📑

New Features: 🔌

• Bank Statements Integration: Bank Statements functionality has been added to the production environment.

Key Points:

• Statement Creation: Users can now create bank statements via the Basiq API using the provided guide.
• Statement Retrieval: The process for retrieving bank statements has been detailed, including steps for both JSON and PDF formats.
• Transaction Retrieval: Users can also retrieve associated transactions for a given bank statement.
• Quick Links Added: Quick links have been incorporated throughout the documentation for easy navigation.

Date of Release: Bank Statements feature is now live in Production.

API References:

Follow the below api references to get started.

• Create Statements
• List Statements
• Retrieve Statements
• Retrieve Job Status
• Retrieve Transactions

We're excited to announce some key changes aimed at enhancing the experience for our partners on Basiq Dashboard and Basiq ConsentUI. Here's a rundown of what's new:

Business Consumer Changes 💼

We've rolled out Business Consumer changes to Basiq Dashboard and Basiq ConsentUI.

• Business Applications: Partners can now seamlessly create Business applications directly through Basiq Dashboard.
• Creation of Business Users: Partners now have the capability to create Business users complete with Business-specific fields.
• Enhanced User Interface: Business details are now conveniently accessible in the side menu of the User screen in Basiq Dashboard.
• Expanded Features for Business Users: Business-type users can now access additional fields within the ConsentUI.
• Open Banking Scopes: Business-type users can easily create and share business scopes via Open Banking.

Customiser Enhancement

• Custom Brand Name: Partners can now configure the name displayed to their customers in the Customiser. Which is now a required field.
• Mandatory Brand Name: We've made Brand name a mandatory value for all applications, including non-Business Consumer Changes (BCC). Partners who haven't defined it yet will be prompted to do so the next time they edit ConsentUI.

Removal of Payment Application Option: With this update, we've removed the option for partners to create Payment applications.

If you have any questions or need further assistance, don't hesitate to reach out to our support team.

API Updates 🌅

We are thrilled to announce the latest enhancements to our Accounts Endpoint (EP), which bring a host of new features and capabilities to enrich your experience. These updates are designed to provide you with deeper insights and greater flexibility in accessing account-related data.

New Features ❄️

amortisedLimit

• Introducing the amortisedLimit field, allowing you to access the available limit amortised according to the payment schedule. Even if absent, it's now assumed to be zero.

bundleName

• You can now benefit from the optional bundleName field, providing insight into whether an account is part of a bundle offering additional customer benefits.

creditLimit

• We've added support for creditLimit, indicating eligibility for various account types such as credit cards, loans, and mortgages.

meta

• Enhancing the meta field to offer comprehensive fee details including name, feeType, amount, balanceRate, transactionRate, accruedRate, accrualFrequency, currency, additionalValue, additionalInfo, additionalInfoUri, discounts, and eligibility. This includes descriptions and conditions for fees, their types, amounts, frequencies, and discount details.

lendingRates

• Now providing detailed information on lending rates with lendingRates, including type, rate, comparisonRate, calculationFrequency, applicationFrequency, interestPaymentDue, repaymentType, loanPurpose, tiers with conditions, and additional rate details.

termDeposit

• Included detailed information about term deposits, covering lodgementDate, maturityDate, maturityAmount, maturityCurrency, and maturityInstructions.

loan

• Expanded loan data to include various parameters such as startDate, endDate, repaymentType, loanAmount, loanCurrency, nextInstalmentDate, minInstalmentAmount, minInstalmentCurrency, maxRedraw, maxRedrawCurrency, minRedraw, minRedrawCurrency, offsetAccountEnabled, offsetAccountIds, and repaymentFrequency.

creditCard

• Detailed information about credit cards is now available, including minPaymentAmount, paymentDueAmount, paymentCurrency, and paymentDueDate.

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Documentation

Our documentation has been updated to reflect these exciting new additions to the Accounts Endpoint.

Dashboard Updates 🔧

We're thrilled to share the latest enhancements to our Basiq Dashboard:

Fresh Look and Feel

• We've given the dashboard a makeover to match the sleek design of our updated basiq.io website. Expect redesigned fonts, colors, and components that are easy on the eyes!

Improved Customise UI Layout

• We've revamped the customisation options for the Customise UI layout, making it even easier for you to tailor your dashboard experience to your preferences.

Consent Management

• Partners are no longer able to set custom text for consent scopes/permissions; it now defaults to CDR required wording read more here.

Enhanced Consent Functionality

• Need to reauthorise consent? No problem! We've added a handy "Reauthorise consent" option to the Request consent link parameters, giving you more control over your data permissions.

Check out our documentation for more on customising your Customise UI. Dive in and explore these exciting updates, and don't hesitate to reach out if you have any questions or feedback!

Latest Updates 🎄

Enhancements ❄️

Organisation Name Update: Partners now have the ability to update the Organisation name within the Organisation settings. This feature enhances customisation and control for partners over their dashboard settings.

Password Security Enhancement: To improve security, the dashboard registration process now requires a password with a minimum length of 12 characters. This change is part of our ongoing commitment to ensure the highest level of security and protection for our users.

Report Generation Speed Improvement: The speed of generating reports has been significantly improved, especially for reports without transactions included. This optimisation ensures a more efficient and smoother user experience when handling large sets of data.

Bug Fixes ⚓

Timezone Issue Resolution: Resolved a critical issue where Partners from certain timezones were unable to generate a Report with today's end date. This fix ensures that all users, regardless of their geographic location, have consistent and reliable access to report generation features.

If you have any questions or encounter any issues, please don't hesitate to reach out to our support team.

We are excited to announce the release of an enhanced action=reauthorise parameter, designed to improve the user experience and simplify consent management within the Basiq platform. The update includes a streamlined process for extending consent periods and addressing issues related to close-to-expiry connections.

Key Features:

Expiring Soon Connections:

Open banking connections with an expiryDate less than 7 days away are now conveniently categorised under the 'Expiring soon' section.

Simplified renewal process:

Once you see a renew button and click on it, you will be redirected to the data holder to extend the duration of your connections for the currently shared account. You may wish to extend sharing for the currently shared account or stop sharing it.

We believe these updates will enhance your interaction with the Basiq platform, providing a more efficient and user-friendly reauthorisation process. You can continue reading in our documentation here.

Thank you for your continued support!

New Features:

• Added MFA (Multi-Factor Authentication) support for Bendigo Bank, enhancing security for user interactions with the bank's services.

MFA Job Flow:

• Introduced a new job flow for Bendigo Bank that requires a slightly different approach compared to the standard job.
• Users can now identify if they are encountering an MFA challenge by checking the number of steps in the job process, as an MFA challenge typically consists of four steps.

Recommended Actions:

• We recommend users to verify the number of steps in the job process to determine if they are facing an MFA challenge.
• Adjust your workflow accordingly when dealing with MFA challenges specific to Bendigo Bank.

Non-UI Usage:

• For cases where you do not utilise our user interface (UI) when interacting with Bendigo Bank, it is essential to return "confirmed" (as a string) as an MFA response.
• This "confirmed" response indicates that your end user has opened an app, and Bendigo Bank relies on this response when establishing a connection.

Updated MFA Response for Bendigo Bank:

To respond to the MFA challenge when interacting with Bendigo Bank, you should use the following format:

POST /jobs/61723/mfa HTTP/1.1
Authorization: Bearer YOUR_ACCESS_TOKEN
Content-Type: application/json

{
  "mfa-response": ["confirmed"]
}

If you have any questions or encounter any issues, please don't hesitate to reach out to our support team.