White papers and articles
In our articles and white papers, we discuss current challenges and developments in the field of XML/JSON-based financial transactions and illustrate how XMLdation's services can help making your workflow more efficient - saving both time and money.
PSD2 Implementation Congress - Report
The PSD2 Implementation Congress organised by LBCG in London on March 28th and 29th brought together speakers from across Europe to talk about PSD2. The event was interesting due to the depth of engagement evident among the speakers and attendees in PSD2
Fintech Bridge | Ireland-Germany
Fintech Ireland have been organising “fintech bridge” events, joint events with Fintech communities in other countries. For their most recent event on March 22nd, they teamed up with Fintech Hamburg. On the Irish side, the event was hosted in Trinity Coll
APSI event, Luxembourg: PSD2 & Open Bank APIs
APSI, L’association des professionnels de la société de l’information in Luxembourg, held their most recent event on March 30th at the Luxembourg Chamber of Commerce offices. The purpose of the event was to discuss the API Economy, API adoption in the ban
APIdays Paris 2016
As usual, APIdays in Paris proved to be a great event with plenty of thought provoking API-related content covering machine learning, containers and micro services. Recognizing the current market momentum around APIs for European banking and Fintech, the
Payments International 2016 - experiencing the event
XMLdation attended the Payments International event in London on 16-18 November. Payments International is an exceptional meeting place for payments innovators, banks, treasurers and retailers. Every year it gathers together senior lever speakers and prof
PSD2 / API Programmes: Engaging with Techies
Whether or not open APIs are seen as an opportunity in the banking space, it is clear that mobile technology is critical for delivery of many bank services. It is also clear that developing all technology in-house is a major challenge, that consumers have
PSD2 & CMA : APIs and changing IT demands
PSD2 is clear in policy terms. Its goal is to foster innovation and remove barriers to trade. It may be a headache in the shorter term for banks. But it is also an opportunity for banks to put the structures in place that will allow them to deliver more c
APIdays 2016: Open Banking and PSD2 regulation
XMLdation attended the APIdays conference in London on October 11th and 12th. The APIDays series of conferences started in 2012 in Paris, and has spread to 7 countries. The London event, held at Level 39 in Canary Wharf, focuses on API and banking.
eInvoicing seminar: Towards Digitalization
XMLdation organized a breakfast seminar on new developments in e-Invoicing on October 27th in Helsinki, Finland. By the time we had gotten over 80 sign ups in a few weeks, we realized that this is a topic that seems to be of real interest to a wide group
XMLdation SaaS for test file generation: Keeping costs low and sensitive data in-house
While financial institutions have to keep sensitive data on site, software-as-a-service (SaaS) is often associated with the idea of moving entire processes into the cloud. The XMLdation test file generation service combines the best of both worlds—offerin
Rapid development tools for API and JSON flows becoming competitive assets to meet PSD2
As consumers and corporates move towards engaging with banks' services through a range of mobile, tablet and web apps, the banking sector is facing one of its biggest revolutions in decades. A challenge that comes with great business opportunities.
Automated test file generation – creating messages for comprehensive testing in an instant
Centralized, cloud-based XML management provides a wide range of benefits. Apart from the improved efficiency in documentation, versioning and development, its true value shows when such system is closely integrated with testing and validation workflows..
Flexible business rule management is key to efficient message validation
One of the core tasks in managing message formats (e.g. XML, JSON) is to store detailed descriptions of the rules applying to each field of a message. This information is used by the user maintaining the rules as well as by the computer system in charge
PSD2 on the horizon: JSON/API testing to become competitive asset as European banks are required to provide XS2A
Just as the SEPA migration has passed its most critical phase, another major change is imminent: the European Commission is preparing the revised Payment Services Directive (PSD2) which, once in effect, will require banks to provide programming interfaces
Easy access to XML validation is key in customer on-boarding
Instant and low-threshold access to a powerful validation engine is a highly appreciated form of e-support, providing corporates with a supreme experience while significantly reducing banks’ effort.
A centralized approach to the efficient documentation of XML schemas and business rules
Just like the processes they enable, XML schemas used for transaction messages are complex constructs. The formats need to robustly accommodate a wide range of highly specific data, while at the same time providing flexibility to adjust to every ...
External value repositories: complementing the building blocks of ISO 20022
Not all definitions applicable to payment XML messages are available from one place. With the standard permitting market actors to define their own lists of valid values for specific transactions, the complexity of the specifications involved lead to a so
Automated interfaces for XML validation facilitate continuous software testing
ISO 20022 XML is a standardized format, yet due to dialects and variations in message content its handling is anything but trivial. Software has to be tested thoroughly to ensure that their XML output satisfies the receiving payment service providers’ ...
Payment process simulation in the cloud: Paving the way for scalable end-to-end testing
As ISO 20022 XML is replacing the plethora of older message formats, it is easily overseen that, even under application of the new standards, the handling of financial transactions between payment service providers and payment service users READ more...