# OB-OBS-010 — Adding steps to the journey

> In a redirect or decoupled journey, authentication at the ASPSP may not add steps or actions compared with the equivalent procedure in the direct channel.

- Article: PSR 44(1)(j)
- Who is bound: ASPSP
- Who it is for: Product, Audit and pentest
- Application: 21 months after entry into force, the general application date (Article 112).
- Level 2: No EBA mandate covers this obligation.
- Origin: RTS 2018/389, Art. 32(3); EBA Opinion of 4 June 2020 on obstacles

Provisional numbering of the April 2026 compromise (Council doc. 8221/26). The final numbering will be added when the Official Journal publishes the text, without changing the id.

## STET 1.6.3: Out of spec

The number of screens depends on each bank's implementation, not on the specification.


## Sources

- [Council doc. 8221/26, page 263](https://data.consilium.europa.eu/doc/document/ST-8221-2026-INIT/en/pdf#page=263)

Checked on 2026-10-04. https://openfinanceguide.com/en/dsp3/obligations/ob-obs-010