Answers
How do you test an Open Banking API?
In short
Open Banking API testing covers OBIE conformance, real-bank sandbox journeys, SCA fallback, consent renewal and ASPSP-specific quirks across the bank list.
Short answer
Open Banking API testing covers OBIE conformance, real-bank sandbox journeys, SCA fallback, consent renewal and ASPSP-specific quirks across the bank list.
What this actually means in practice
Use OBIE's Functional Conformance Suite as the floor, not the ceiling. Layer journey tests that drive real PSU flows. Test consent renewal at boundaries, exercise the dedicated-interface fallback, and capture ASPSP-specific behaviour for the top 20 banks.
The most common pitfall
Passing OBIE conformance and failing in the field because ASPSP-specific edge cases never got tested.
What to do next
Get an independent journey-level test against the real ASPSP estate, not just the conformance suite.
Frequently asked questions
Does Forth Systems help with this?
Yes — Forth Systems works with banks, payment institutions, insurers and infrastructure operators on exactly this kind of work. Engagements start with a fixed-scope assessment so you see the shape before committing.
How experienced is the team?
Engagements are staffed by named, UK-based senior engineers — not a rotating offshore pool. References from the second line of comparable clients are available on request.
Where are you based?
Edinburgh-based, delivering UK-wide with onsite presence in London and across Scotland as required.
How fast can we start?
Most engagements start within 2-4 weeks of a signed SoW, faster where an existing supplier framework is in place.