Introduction 

On 20th January between 06:02 and 06:11 CET Tink experienced a technical issue which impacted Payments and Account Check Products for the European market. During the time of the incident, end-users and customers were experiencing issues with initiating payments and carrying out Account Checks. 

Root Cause Analysis 

After a thorough investigation, it was found out that Tink’s service used to connect to banks (via use of eIDAS certificates) experienced a brief connectivity issue, leading to the product degradation. 

Remediation 

The recovery process worked as designed and the issue self-healed. 

Follow-up actions 

To prevent similar issues in the future Tink will be implementing the following actions: 

1. Continue to improve platform resiliency by upgrading selected internal services 
2. Carry out a table-top exercise to simulate this scenario to investigate potential ways to shorten the self-recovery time.