first direct Account and Transaction Information API (AIS)
OBIE Read/Write Account and Transaction Information (AIS) API for first direct accounts, exposed through HSBC's developer platform. FAPI-secured with OAuth2/OIDC, mutual-TLS client authentication and PSD2 strong customer authentication; requires FCA/TPP onboarding and OBIE/eIDAS certificates. OpenAPI pointer is the shared OBIE Read/Write standard the bank conforms to, not a first-direct-proprietary contract.