EBICS
Electronic Banking Internet Communication Standard
◆	A multi-bank internet protocol.
◆	Supports the exchange of structured data between customers and their banks. All structured data formats are supported.
◆	Regulatory for corporate banks that operate in France and Germany. Recommended in Switzerland, Austria and Portugal.
◆	Based on HTTP(S) and XML, with extensive use of cryptographic functions for encryption and digital signatures.
◆	Standard API’s to initialize and manage users, including key and certificate exchange.
◆	Centralized management of customer and user entitlements.
◆	In built entitlements validation and authorisation workflow.
◆	User permissions are assigned to 'orders' with an authorisation level: 'E'; 'A'; 'B'. (descending seniority)
◆	Quali-Sign is an EBICS Client which requires a bank to install an EBICS Server.