As was already mentioned on a blog post on 25/07/14, “EBICS has arrived in Switzerland”, the Swiss financial centres are moving in on the EBICS community of the country’s two biggest neighbours, France and Germany. The perception of EBICS in France has proved to be somewhat different than in Germany, while Swiss stakeholders are unsure about which variant would be the best for them. In terms of order types, the trend is currently leaning towards France, i.e. FUL/FDL in conjunction with the use of format parameters, instead of the multitude of order types in Germany. But when it comes to the application of electronic signatures, things get a little more complicated. Precisely how should these be implemented for customers?
The German variant, featuring automatic key pair generation for encryption (E002), authentication (X002) and for signatures (A005/A006), is currently the variant in use in Switzerland, while the German VEU system (distributed digital signature) is in the first planning stages. Continue reading