Add Swedish Swish

[PierreMesure]

I'd like to add the service Swish which is used daily by a majority of the Swedish population to exchange money (like Venmo in the US).

I found the privacy terms on this page but they are provided as a PDF and the link to that PDF doesn't seem to be static. How do I solve this?

Even harder, the terms and conditions are provided by the banks that deliver this service to the end user (even though the system is much more centralised than that) and they are also providing PDFs of various forms and with tiny differences... I found one that provides a webpage but it mentions the name of the bank all the time so it's hardly universal.

[clementbiron]

Hello Pierre,

It's a great idea to add this service :+1:

I found the privacy terms on this page but they are provided as a PDF and the link to that PDF doesn't seem to be static. How do I solve this?

There is no automatic mechanism for checking that the link to this PDF has changed on the https://www.swish.nu/policies page. What we can do is track changes to the PDF document and update the fetch URL when we notice that the service is making a new version of the document and make it available on a different URL.

Even harder, the terms and conditions are provided by the banks that deliver this service to the end user (even though the system is much more centralised than that) and they are also providing PDFs of various forms and with tiny differences... I found one that provides a webpage but it mentions the name of the bank all the time so it's hardly universal.

Yes, sometimes the service provides several documents or it is difficult to find. We consider that we have to obtain documents like a user would. So in the case of Swish I can't find any documents other than those available at https://www.swish.nu/policies (it's possible that there are others, I haven't searched all the pages thoroughly).

This could result in a declaration like this (I haven't tested it)

{
  "name": "Swish",
  "documents": {
    "Privacy Policy": {
      "combine": [
        {
          "fetch": "https://assets.ctfassets.net/zrqoyh8r449h/1ChXh1tc7na6suZaziVqjw/62e223fc2dcd5c73ff5454110195f470/Swish_Integritetsinformation_april_2024.pdf",
        },
        {
          "fetch": "https://assets.ctfassets.net/zrqoyh8r449h/6pK1zD5GZLdK6yGqwZVQJm/af24baa384e1d008969f60b444f1e9ca/Information_om_spa_rningsteknologier_april_2024.pdf",
        }
      ]
    }
  }
}

If that answers your question, I'll let you close this issue ;)

[PierreMesure]

Thank you! I think we could start with a link and update it manually but it partly defeats the purpose of OTA if the changes aren't detected automatically. I'm gonna contact Swish and ask them to improve their website (although I have little hope...)

Regarding the terms and conditions, they are as a I said specific to each bank providing the service and there are 10-12 banks providing it. You can google "villkor swish privat type:pdf" to find a lot of them. But as I linked in my previous comment, one bank is publishing their terms as a webpage so we should use them if we have to pick one.

My question was more concerning the issue of T&C when they slightly vary from bank to bank. Is that a problem to only fetch one?

[clementbiron]

[...] but it partly defeats the purpose of OTA if the changes aren't detected automatically

Changes to PDF documents will be detected ;)

I'm gonna contact Swish and ask them to improve their website (although I have little hope...)

Nothing ventured, nothing gained. If they ever get back to you and update their site accordingly, let us know, it would be a great learning experience.

Regarding the terms and conditions, they are as a I said specific to each bank providing the service and there are 10-12 banks providing it. You can google "villkor swish privat type:pdf" to find a lot of them. But as I linked in my previous comment, one bank is publishing their terms as a webpage so we should use them if we have to pick one.

I'm sorry I didn't reply earlier and thanks for clarifying, I understand better. If each bank that provides the service makes available a document that explains the conditions under which the user can and must use Swish, then it would make sense to track these documents with one declaration per service :)

My question was more concerning the issue of T&C when they slightly vary from bank to bank. Is that a problem to only fetch one?

It doesn't matter how similar or different the documents are, if you want to know what's going on, you need to record the changes of the documents of each services.