Data Standards Body Update | May 2020

V1.3.1 | Decision Proposals | CPRC Engagement | Phase 3, 4 & 5 Research | Events | Java Artefacts | Product Comparator

Dear Consumer Data Right participants and other interested parties,

To round out the Month of May, we wanted to share all the major publications, Consumer Experience, events and tooling we have all worked together as a community around the Consumer Data Right.

Publications

Consumer Data Standards 1.3.1

Minor version update for the Consumer Data Standards; Defect and clarification release. No material standards changes.

Published 22nd of May 2020

Links to update:

Decision Proposal 119 - Enhanced Error Handling Payload Conventions

This issue is for consultation on Error payload structure and payload conventions to cater for Enhanced Error Handling.

Specifically, this decision proposal is seeking to address the taxonomy and structural elements for enhanced error handling currently represented in the ResponseErrorList.

Feedback is now opened for this proposal. Feedback is planned to close on the 19th June 2020.

Published 20th of May 2020

Important Links:

Decision Proposal 109 – NMI Standing Data Payloads

This issue is the first consultation into the Energy Sector and is focused on Nation Metering Identifier (NMI) Standing Data Payloads and the definition of the preliminary end point URIs.

Feedback is now opened for this proposal. Feedback is planned to close on the 12th June 2020.

Published 13th of May 2020

Links to update:

Consumer Experience

Since the April update, the Consumer Experience (CX) Workstream has completed a fourth and fifth round of consumer research and commenced a community sector engagement with the Consumer Policy Research Centre.

Consumer Policy Research Centre Engagement

The Data Standards Body (DSB) has commenced work with the Consumer Policy Research Centre (CPRC) to support community sector and consumer advocate consultation. The CPRC has commenced this engagement with a review of the standards and guidelines to assess, among other things, how well they cater to existing consumer needs and expectations, including people experiencing vulnerability.

Phase 3: Rounds 4-5

A fourth and fifth round of consumer research has just been completed. The fourth round focused on re-authorisation, the separation of collection and use, and adding a use to an existing consent, including how these flows might be simplified.

The first low fidelity iteration of the simplified re-authorisation flow for extending the duration of an existing consent is available online.

The fifth round of research iterated on the round four outputs along with other amending consent scenarios, such as the adding or removing of datasets from an existing consent.

The aim of this research is to understand how the amendment of an existing consent can be simplified without compromising the quality of consent.

Round 4 and 5 research questions include:

  • How well can participants recall their original terms of consent?
  • How might we provide consumers with the ability to amend consent while remaining empowered and in control?
  • Which consent flow components can be removed or summarised without compromising the quality of consent?

Rounds 4 and 5 form part of a longitudinal study that re-engages participants from earlier rounds of research to assess their ability to recall the terms of their original consent. The objective of this research is to understand if the quality of consent degrades over time, and how trust and familiarity with the Consent Flow and CDR may change through repeated interactions. Establishing these baselines will help us understand where subsequent consents – such as re-authorisations – might be simplified or summarised, and how perceptions of CDR may change over time.

Preliminary results from rounds 4 and 5 suggested that:

  • Participants were able to recall their previous consent terms with a high level of accuracy
  • Recall ability improved as participants gained familiarity with the Consent Flow through repeated interactions
  • All participants had medium to high levels of trust and benefit in the use case and process; this either stayed the same or increased for most participants (82%) after repeated interactions with the Consent Flow
  • Certain components and steps in the re-authorisation flow could be simplified without compromising trust or the quality of consent

We invite comments through our existing channels on the topic of simplified re-authorisation flows, including the round 4 flow linked to in this section. You can subscribe to the Consumer Data Standards blog to keep up to date on the outputs of this research.

Events

 Introduction to the Consumer Data Right

A online event hosted by the ACCC & Data Standards Body provided an introduction to the Consumer Data Right; an overview of the regime and its rules, standards, guidelines and tooling. This event was held on Tuesday 26th of May 2020 @ 2:00PM AEST.

For those who missed the event and would like to view the recording, or see the useful resources and links provided, be sure to check out: https://github.com/ConsumerDataStandardsAustralia/standards/wiki/Consumer-Data-Right-%7C-Introduction-to-the-Consumer-Data-Standards

Tooling 

Java Artefacts updated v1.3.0

Latest Java Artefacts are now updated to include the v1.3.0 Consumer Data Standards changes

This collection of Australian Consumer Data Right (CDR) software artefacts includes code written in Java. The artefacts in this repo are offered without warranty or liability, in accordance with the MIT licence. The Data Standards Body (DSB) develops these artefacts in the course of its work, in order to perform quality assurance on the Australian Consumer Data Right Standards (Data Standards). The DSB makes this repo, and its artefacts, public on a non-commercial basis in the interest of supporting the participants in the CDR eco-system. The resources of the DSB are primarily directed towards assisting the Data Standards Chair for developing the Data Standards. Consequently, the development work provided on the artefacts in this repo is on a best-effort basis, and the DSB acknowledges the use of these tools alone is not sufficient for, nor should they be relied upon with respect to accreditation, conformance, or compliance purposes.

Link to Java Artefacts

Product Reference Data Comparator (Demo)

As a means to demonstrate the power and opportunity the Consumer Data Right enables our community, the Data Standards Body have put together a tool which collates the four major Banks Product Reference Data and Product Reference Data Details Endpoints into a single Product.

Check it out at: https://consumerdatastandardsaustralia.github.io/banking-products-comparator/

We are looking to expand this to support the community and allow the validation of further ADIs as they deploy their own production ready endpoints. If you have ideas, feature requests or just a suggestion on a way we can do things better, come collaborate on our repository: https://github.com/ConsumerDataStandardsAustralia/banking-products-comparator

Keep in touch