Editing FinTS (section)

==Features==
* Support for online-banking using [[Personal Identification Number|PIN]]/[[Transaction authentication number|TAN]] one time passwords.
* Support for online-banking with [[SWIFT]].
* [[Data Encryption Standard|DES]] and [[RSA (algorithm)|RSA]] encryption and signatures.
* Making use of [[XML]] and [[SOAP]] for data-exchange, encryption and signatures.
* Implemented on top of [[HTTP]], [[HTTPS]] and [[SMTP]] as communication layer.
* Multibanking: The software clients are designed to support accounts on multiple banking companies.
* Platform Independence: The specification allows software development for various types of clients.
* Storage of the encryption keys on an external physical device (smart card) for improved security.
* Possibility to use so called "Secoder" smart card readers to allow the user to cross check the transaction data on a secure device before signing it to uncover manipulations caused by [[malware]]. To use Secoder, the bank as well as the home banking software have to support the Secoder protocol extension of FinTS.<ref>[http://www.hbci-zka.de/dokumente/spezifikation_deutsch/fintsv3/FinTS_3.0_Security_Alternative_Sicherheitsverfahren_Rel_20130122_final_version.pdf ZKA: Spezifikation FinTS 3.0 Alternative ZKA Sicherheitsverfahren] (PDF; 1,2&nbsp;MB)</ref>

HBCI has been superseded by its successor FinTS, and as of 2011, 2000 financial institutions in Germany are supporting FinTS.