Berlin Group Compliance Using Open Source in Moldova

TESOBE began by designing a two-week training programme tailored to MAIB’s specific needs and objectives, ensuring alignment with both regulatory and internal technical goals.

Key aspects of the collaboration included:

• Compliance with the Berlin Group Standard: Despite the NBM’s ongoing modifications to the standard, TESOBE helped MAIB achieve AISP (Account Information Service Provider) compliance by adapting OBP Berlin Group APIs.
• Consent Management and User Experience: Consent management was a critical focus area, especially for online payment flows. Using OBP’s consent management APIs, the MAIB team built a user-friendly consent interface where customers can view, approve, and manage third-party access permissions directly through their online banking app.
• Integration with Keycloak: MAIB required the use of Keycloak, an open-source identity provider. TESOBE developed a dedicated adapter to ensure integration between Keycloak and OBP’s authentication mechanisms.
• API and Connector Architecture: MAIB used OBP’s API management endpoints for secure certificate-based authentication of regulated entities and communication with the central bank’s systems. TESOBE also adapted OBP’s connector architecture to work with RabbitMQ, a technology MAIB was already experienced with.
• Production Infrastructure: MAIB deployed the OBP platform within its own Kubernetes infrastructure. Rate-limiting rules were also configured to match MAIB’s business logic, for example, setting annual limits with specific adjustments for certain periods.
• Sandbox Environment: MAIB is mainly using the OBP sandbox environment to safely test Open Banking integrations, including instant payment features.

MAIB successfully implemented Open Banking compliance in alignment with the evolving Berlin Group standard. By integrating OBP’s open-source platform within its existing infrastructure, the bank was able to maintain full control while benefiting from a flexible and battle/tested solution.

The project not only ensured compliance but also enhanced MAIB’s in-house online banking app, allowing users to manage consents and authenticate securely through OBP’s APIs. With the new system in place, MAIB has begun transitioning its sandbox environment to support instant payment testing, paving the way for future developments as a provider of Open Finance and Fintech services.

It has been a real pleasure collaborating with TESOBE on the implementation of the Open Bank Project at MAIB. We truly value the dedication and expertise their team has brought, as well as the continued support they kindly extended even after our official contract ended. TESOBE became very much a part of our own team – joining us daily, exchanging ideas, and often bringing inspiration even beyond the boundaries of banking and IT. Their contribution has been invaluable!

We enjoyed collaborating with MAIB to help them leverage the OBP open-source solution to get their open banking compliance project off the ground. We’re also very impressed with the MAIB team and how they took great care integrating the authentication flows into their in-house banking application. We look forward to seeing how this talented team will harness the OBP technology going forward!

For more information on Open Banking compliance, talk to us at: contact@openbankproject.com | @OpenBankProject | www.openbankproject.com/contact

+49 (0)30 8145 3994

MAIB is the largest bank in Moldova, serving over 1 million customers and holding a leading share of the country’s banking market. With 2,800+ employees and a nationwide branch network, MAIB combines scale with a strong focus on digital innovation, earning multiple industry awards for its modern banking services and customer-centric solutions.

TESOBE GmbH is an independent company founded in Germany that assists banks in executing effective API strategies. The Open Bank Project started life in 2010 with the vision of enabling all banks to benefit from open innovation, open APIs, and wider access to fintech startups. It quickly scaled into the leading open-source API solution for financial institutions, spanning over 500 banking-specific APIs supported by 11,000 fintech developers worldwide with over 100 global banking customers.