enable-banking-sweden

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Use this skill for Swedish Open Banking specifics in Enable Banking integrations. For generic endpoint mechanics use

enable-banking-api

; for sandbox credentials use

enable-banking-sandbox

; for FAQ edge cases use

enable-banking-faq-best-practices

在Enable Banking集成中，使用本技能处理瑞典Open Banking的特定事宜。通用端点机制请使用

enable-banking-api

；沙箱凭证请使用

enable-banking-sandbox

；FAQ边缘案例请使用

enable-banking-faq-best-practices

。

Identify whether the flow is AIS, PIS, or both.
Identify PSU type: personal or business.
Identify the Swedish ASPSP/brand: Swedbank/Sparbanken, SEB, Handelsbanken, Nordea, Nordea Corporate, Nordea First Card, Länsförsäkringar Bank, Danske Bank, or another Swedish ASPSP.
Check whether the flow needs BankID, Swedish SSN/personnummer, business ID, debtor account, Bankgirot, OCR, or sandbox-specific behavior.
Read references/sweden-open-banking.md for the relevant ASPSP and payment specifics.

判断流程属于AIS、PIS还是两者兼具。
识别PSU类型：个人或企业。
识别瑞典ASPSP/品牌：Swedbank/Sparbanken、SEB、Handelsbanken、Nordea、Nordea Corporate、Nordea First Card、Länsförsäkringar Bank、Danske Bank或其他瑞典ASPSP。
检查流程是否需要BankID、瑞典社保号/personnummer、企业ID、付款人账户、Bankgirot、OCR或沙箱特定行为。
阅读references/sweden-open-banking.md获取相关ASPSP和支付的详细信息。

Swedish banks commonly support redirect and decoupled auth flows; Danske Bank is redirect-only.
BankID, especially Mobile BankID, is the primary SCA method across major Swedish banks.
Swedish SSN/personnummer can be required for BankID-based authentication and is supported by most major Swedish banks as part of the auth flow.
For business accounts, some ASPSPs require extra business identifiers or prior power of attorney setup.
Swedish domestic payments use SEK and domestic account number formats based on clearing number plus account number.
Swedish banks also support SEPA Credit Transfers in EUR, but SEPA Instant Credit Transfers are not supported in Sweden.
For Bankgirot payments, use
```
reference_number
```
for OCR and
```
remittance_information
```
for message. If both are provided and the ASPSP accepts only one,
```
reference_number
```
has priority.
Do not assume individual payer details are available for Bankgirot batch settlements in AIS transaction data.
For Swedbank historic transactions, handle empty pages with continuation keys and missing
```
entry_reference
```
for older transactions.

When implementing Swedish-specific logic in an application:

Keep ASPSP-specific request shaping and validation in backend services.
Keep Swedish payment form validation in shared form/domain code only if it is reused; otherwise keep it near the Sweden payment flow.
Store personnummer/business identifiers carefully as sensitive user-provided data; avoid logging them.
Keep user-facing Swedish bank instructions in frontend code, but source behavior from typed domain rules so API requests remain consistent.

在应用中实现瑞典特定逻辑时：