acquiredcom · Dan Jake Neal (DanJakeNeal) · Jul 27, 2026 · Jul 20, 2026 · Jul 24, 2026 · Jul 24, 2026
diff --git a/docs/apis/account-and-transaction/openapi-aisp.json b/docs/apis/account-and-transaction/openapi-aisp.json
@@ -3,7 +3,7 @@
   "info": {
     "title": "Account and Transaction API",
     "description": "Account and Transaction API for Open Banking Connector Web App",
-    "version": "20.0.0"
+    "version": "21.0.0"
   },
   "paths": {
     "/aisp/account-access-consent-auth-contexts": {

diff --git a/docs/apis/auth-contexts/openapi-auth.json b/docs/apis/auth-contexts/openapi-auth.json
@@ -3,7 +3,7 @@
   "info": {
     "title": "Auth Contexts API",
     "description": "Auth Contexts API for Open Banking Connector Web App",
-    "version": "20.0.0"
+    "version": "21.0.0"
   },
   "paths": {
     "/auth/redirect-delegate": {

diff --git a/docs/apis/management/openapi-manage.json b/docs/apis/management/openapi-manage.json
@@ -3,7 +3,7 @@
   "info": {
     "title": "Management API",
     "description": "Management API for Open Banking Connector Web App",
-    "version": "20.0.0"
+    "version": "21.0.0"
   },
   "paths": {
     "/manage/bank-registrations": {

diff --git a/docs/apis/payment-initiation/openapi-pisp.json b/docs/apis/payment-initiation/openapi-pisp.json
@@ -3,7 +3,7 @@
   "info": {
     "title": "Payment Initiation API",
     "description": "Payment Initiation API for Open Banking Connector Web App",
-    "version": "20.0.0"
+    "version": "21.0.0"
   },
   "paths": {
     "/pisp/domestic-payment-consent-auth-contexts": {

diff --git a/docs/apis/variable-recurring-payments/openapi-vrp.json b/docs/apis/variable-recurring-payments/openapi-vrp.json
@@ -3,7 +3,7 @@
   "info": {
     "title": "Variable Recurring Payments API",
     "description": "Variable Recurring Payments API for Open Banking Connector Web App",
-    "version": "20.0.0"
+    "version": "21.0.0"
   },
   "paths": {
     "/vrp/domestic-vrp-consent-auth-contexts": {

diff --git a/docs/configuration/database-settings.md b/docs/configuration/database-settings.md
diff --git a/src/OpenBanking.Library.BankApiModels/Json/DomesticVrpRefundConverter.cs b/src/OpenBanking.Library.BankApiModels/Json/DomesticVrpRefundConverter.cs
@@ -5,7 +5,6 @@
 #nullable enable
 
 using System.Runtime.Serialization;
-using FinnovationLabs.OpenBanking.Library.BankApiModels.UkObRw.V3p1p11.NSwagVrp.Models;
 using Newtonsoft.Json;
 using Newtonsoft.Json.Converters;
 using Newtonsoft.Json.Linq;
@@ -23,16 +22,17 @@ public enum DomesticVrpRefundConverterOptions
     ContainsNestedAccountProperty = 1
 }
 
-public class DomesticVrpRefundConverter : JsonConverterWithOptions<OBCashAccountDebtorWithName?,
+public class DomesticVrpRefundConverter<TRefund> : JsonConverterWithOptions<TRefund?,
     DomesticVrpRefundConverterOptions>
-
+    where TRefund : class
 {
     public DomesticVrpRefundConverter() : base(null) { } // required for case where no label used
 
     public DomesticVrpRefundConverter(JsonConverterLabel jsonConverterLabel) :
-        base(jsonConverterLabel) { }
+        base(jsonConverterLabel)
+    { }
 
-    public override void WriteJson(JsonWriter writer, OBCashAccountDebtorWithName? value, JsonSerializer serializer)
+    public override void WriteJson(JsonWriter writer, TRefund? value, JsonSerializer serializer)
     {
         if (value is null)
         {
@@ -42,24 +42,16 @@ public override void WriteJson(JsonWriter writer, OBCashAccountDebtorWithName? v
         {
             JToken jt = JToken.FromObject(value);
             jt.WriteTo(writer);
-        }    
+        }
     }
 
-    public override OBCashAccountDebtorWithName? ReadJson(
+    public override TRefund? ReadJson(
         JsonReader reader,
         Type objectType,
-        OBCashAccountDebtorWithName? existingValue,
+        TRefund? existingValue,
         bool hasExistingValue,
         JsonSerializer serializer)
     {
-
-        // Validate objectType
-        if (objectType != typeof(OBCashAccountDebtorWithName))
-        {
-            throw new NotSupportedException($"The type {objectType} is not supported.");
-        }
-
-        // Handle JSON null value
         if (reader.TokenType is JsonToken.Null)
         {
             return null;
@@ -68,7 +60,7 @@ public override void WriteJson(JsonWriter writer, OBCashAccountDebtorWithName? v
         // Perform de-serialisation
         var options = GetOptions(serializer);
         var token = JToken.Load(reader);
-        OBCashAccountDebtorWithName? refund;
+        TRefund? refund;
         if (options is DomesticVrpRefundConverterOptions.ContainsNestedAccountProperty)
         {
             if (token.Type is not JTokenType.Object)
@@ -80,18 +72,18 @@ public override void WriteJson(JsonWriter writer, OBCashAccountDebtorWithName? v
             {
                 throw new Exception("Refund does not contain nested property Account.");
             }
-            refund = accountToken.ToObject<OBCashAccountDebtorWithName>();
+            refund = accountToken.ToObject<TRefund>(serializer);
         }
         else
         {
-            refund = token.ToObject<OBCashAccountDebtorWithName>();
+            refund = token.ToObject<TRefund>(serializer);
         }
 
         if (refund is null)
         {
             throw new Exception("Could not deserialise Refund account.");
         }
-        
+
         return refund;
     }
 }
diff --git a/src/OpenBanking.Library.BankApiModels/Json/SingleOrArrayConverter.cs b/src/OpenBanking.Library.BankApiModels/Json/SingleOrArrayConverter.cs
@@ -0,0 +1,43 @@
+// Licensed to Finnovation Labs Limited under one or more agreements.
+// Finnovation Labs Limited licenses this file to you under the MIT license.
+// See the LICENSE file in the project root for more information.
+
+using System;
+using Newtonsoft.Json;
+using Newtonsoft.Json.Linq;
+
+namespace FinnovationLabs.OpenBanking.Library.BankApiModels.Json;
+
+/// <summary>
+///     Custom converter for deserialising a field that may be returned either as a single value or as a JSON array containing a single value.
+/// </summary>
+public class SingleOrArrayConverter<T> : JsonConverter
+{
+    public override bool CanConvert(Type objectType) => true;
+
+    public override object? ReadJson(
+        JsonReader reader,
+        Type objectType,
+        object? existingValue,
+        JsonSerializer serializer)
+    {
+        JToken token = JToken.Load(reader);
+        if (token.Type == JTokenType.Array)
+        {
+            var array = (JArray) token;
+            if (array.Count != 1)
+            {
+                throw new JsonSerializationException(
+                    $"We can accept JSON array with exactly one element when deserialising {typeof(T).Name}, but received array with {array.Count} elements.");
+            }
+            return array[0].ToObject<T>(serializer);
+        }
+
+        return token.ToObject<T>(serializer);
+    }
+
+    public override void WriteJson(JsonWriter writer, object? value, JsonSerializer serializer)
+    {
+        serializer.Serialize(writer, value);
+    }
+}
diff --git a/src/OpenBanking.Library.BankApiModels/OpenBanking.Library.BankApiModels.csproj b/src/OpenBanking.Library.BankApiModels/OpenBanking.Library.BankApiModels.csproj
@@ -1,7 +1,7 @@
 <Project Sdk="Microsoft.NET.Sdk">
 
     <PropertyGroup>
-        <TargetFramework>net9.0</TargetFramework>
+        <TargetFramework>net10.0</TargetFramework>
         <Nullable>annotations</Nullable>
         <ImplicitUsings>enable</ImplicitUsings>
         <AssemblyName>FinnovationLabs.OpenBanking.Library.BankApiModels</AssemblyName>
@@ -23,7 +23,7 @@
     </PropertyGroup>
 
     <ItemGroup>
-        <PackageReference Include="AutoMapper" Version="16.1.1"/>
+        <PackageReference Include="AutoMapper" Version="16.2.0"/>
         <PackageReference Include="FluentValidation" Version="12.1.1"/>
         <PackageReference Include="jose-jwt" Version="5.3.0"/>
         <PackageReference Include="Microsoft.Rest.ClientRuntime" Version="2.3.24"/>

diff --git a/src/OpenBanking.Library.BankApiModels/UkObDcr/V3p1/Models/OBRegistrationProperties1.cs b/src/OpenBanking.Library.BankApiModels/UkObDcr/V3p1/Models/OBRegistrationProperties1.cs
@@ -148,6 +148,7 @@ public OBRegistrationProperties1(
         /// 'tls_client_auth'
         /// </summary>
         [JsonProperty(PropertyName = "token_endpoint_auth_method")]
+        [JsonConverter(typeof(SingleOrArrayConverter<OBRegistrationProperties1tokenEndpointAuthMethodEnum>))]
         public OBRegistrationProperties1tokenEndpointAuthMethodEnum TokenEndpointAuthMethod { get; set; }
 
         /// <summary>
@@ -191,6 +192,7 @@ public OBRegistrationProperties1(
         /// Gets or sets possible values include: 'RS256', 'PS256', 'ES256'
         /// </summary>
         [JsonProperty(PropertyName = "request_object_signing_alg")]
+        [JsonConverter(typeof(SingleOrArrayConverter<SupportedAlgorithmsEnum>))]
         public SupportedAlgorithmsEnum RequestObjectSigningAlg { get; set; }
 
         /// <summary>

diff --git a/src/OpenBanking.Library.BankApiModels/UkObDcr/V3p2/Models/OBRegistrationProperties1.cs b/src/OpenBanking.Library.BankApiModels/UkObDcr/V3p2/Models/OBRegistrationProperties1.cs
@@ -150,6 +150,7 @@ public OBRegistrationProperties1(
         /// 'tls_client_auth'
         /// </summary>
         [JsonProperty(PropertyName = "token_endpoint_auth_method")]
+        [JsonConverter(typeof(SingleOrArrayConverter<OBRegistrationProperties1tokenEndpointAuthMethodEnum>))]
         public OBRegistrationProperties1tokenEndpointAuthMethodEnum TokenEndpointAuthMethod { get; set; }
 
         /// <summary>
@@ -196,6 +197,7 @@ public OBRegistrationProperties1(
         /// Gets or sets possible values include: 'RS256', 'PS256', 'ES256'
         /// </summary>
         [JsonProperty(PropertyName = "request_object_signing_alg")]
+        [JsonConverter(typeof(SingleOrArrayConverter<SupportedAlgorithmsEnum>))]
         public SupportedAlgorithmsEnum RequestObjectSigningAlg { get; set; }
 
         /// <summary>

diff --git a/src/OpenBanking.Library.BankApiModels/UkObDcr/V3p3/Models/OBRegistrationProperties1.cs b/src/OpenBanking.Library.BankApiModels/UkObDcr/V3p3/Models/OBRegistrationProperties1.cs
@@ -157,6 +157,7 @@ public OBRegistrationProperties1()
         /// 'tls_client_auth'
         /// </summary>
         [JsonProperty(PropertyName = "token_endpoint_auth_method")]
+        [JsonConverter(typeof(SingleOrArrayConverter<OBRegistrationProperties1tokenEndpointAuthMethodEnum>))]
         public OBRegistrationProperties1tokenEndpointAuthMethodEnum TokenEndpointAuthMethod { get; set; }
 
         /// <summary>
@@ -203,6 +204,7 @@ public OBRegistrationProperties1()
         /// Gets or sets possible values include: 'RS256', 'PS256', 'ES256'
         /// </summary>
         [JsonProperty(PropertyName = "request_object_signing_alg")]
+        [JsonConverter(typeof(SingleOrArrayConverter<SupportedAlgorithmsEnum>))]
         public SupportedAlgorithmsEnum RequestObjectSigningAlg { get; set; }
 
         /// <summary>

diff --git a/src/OpenBanking.Library.BankApiModels/UkObRw/V3p1p11/NSwagVrp/Models/NSwagModels.cs b/src/OpenBanking.Library.BankApiModels/UkObRw/V3p1p11/NSwagVrp/Models/NSwagModels.cs
@@ -1287,7 +1287,7 @@ public partial record Data4
         /// <br/>
         /// </summary>
         [Newtonsoft.Json.JsonConverter(
-            typeof(DomesticVrpRefundConverter),
+            typeof(DomesticVrpRefundConverter<OBCashAccountDebtorWithName>),
             JsonConverterLabel.DomesticVrpRefund)]
         [Newtonsoft.Json.JsonProperty("Refund", Required = Newtonsoft.Json.Required.Default, NullValueHandling = Newtonsoft.Json.NullValueHandling.Ignore)]
         public OBCashAccountDebtorWithName? Refund { get; set; } = default!;

diff --git a/src/OpenBanking.Library.BankApiModels/UkObRw/V4p0/NSwagVrp/Models/NSwagModels.cs b/src/OpenBanking.Library.BankApiModels/UkObRw/V4p0/NSwagVrp/Models/NSwagModels.cs
@@ -3133,6 +3133,9 @@ public partial record Data4
         /// Only included in the response if `Data.ReadRefundAccount` is set to `Yes` in the consent.
         /// <br/>
         /// </summary>
+        [Newtonsoft.Json.JsonConverter(
+            typeof(DomesticVrpRefundConverter<OBCashAccountDebtorWithName>),
+            JsonConverterLabel.DomesticVrpRefund)]
         [Newtonsoft.Json.JsonProperty("Refund", Required = Newtonsoft.Json.Required.Default, NullValueHandling = Newtonsoft.Json.NullValueHandling.Ignore)]
         public OBCashAccountDebtorWithName? Refund { get; set; } = default!;
 

diff --git a/src/OpenBanking.Library.Connector.GenericHost/Extensions/ServiceCollectionExtensions.cs b/src/OpenBanking.Library.Connector.GenericHost/Extensions/ServiceCollectionExtensions.cs
@@ -71,16 +71,6 @@ public static IServiceCollection AddGenericHostServices(
         // Configure DB
         switch (databaseSettings.Provider)
         {
-            case DbProvider.Sqlite:
-                services
-                    // See e.g. https://jasonwatmore.com/post/2020/01/03/aspnet-core-ef-core-migrations-for-multiple-databases-sqlite-and-sql-server 
-                    .AddDbContext<BaseDbContext, SqliteDbContext>(
-                        (sp, optionsBuilder) =>
-                        {
-                            var connectionStringService = sp.GetRequiredService<IDbConnectionString>();
-                            optionsBuilder.UseSqlite(connectionStringService.GetConnectionString());
-                        });
-                break;
             case DbProvider.PostgreSql:
                 services.AddDbContext<BaseDbContext, PostgreSqlDbContext>(
                     (sp, optionsBuilder) =>

diff --git a/src/OpenBanking.Library.Connector.GenericHost/HostedServices/StartupTasksHostedService.cs b/src/OpenBanking.Library.Connector.GenericHost/HostedServices/StartupTasksHostedService.cs
@@ -70,7 +70,7 @@ public StartupTasksHostedService(
     {
         _bankProfileService = bankProfileService ?? throw new ArgumentNullException(nameof(bankProfileService));
         _configurationRoot =
-            (IConfigurationRoot) (configuration ?? throw new ArgumentNullException(nameof(configuration)));
+            (IConfigurationRoot)(configuration ?? throw new ArgumentNullException(nameof(configuration)));
         _databaseSettingsProvider = databaseSettingsProvider ??
                                     throw new ArgumentNullException(nameof(databaseSettingsProvider));
         _settingsService = settingsService ?? throw new ArgumentNullException(nameof(settingsService));
@@ -101,25 +101,6 @@ public async Task StartAsync(CancellationToken cancellationToken)
             // Database startup tasks
             switch (databaseSettings.Provider)
             {
-                case DbProvider.Sqlite:
-                    var sqliteDbContext = scope.ServiceProvider.GetRequiredService<SqliteDbContext>();
-                    bool sqliteDbExists =
-                        sqliteDbContext.Database.GetService<IRelationalDatabaseCreator>().Exists();
-                    if (!sqliteDbExists)
-                    {
-                        if (databaseSettings.EnsureDatabaseCreated)
-                        {
-                            // Create database
-                            sqliteDbContext.Database.EnsureCreated();
-                        }
-                        else
-                        {
-                            throw new ApplicationException(
-                                "No database found. Note: set \"Database:EnsureDatabaseCreated\" to \"true\" to create database at application start-up.");
-                        }
-                    }
-
-                    break;
                 case DbProvider.PostgreSql:
                     var postgreSqlDbContext = scope.ServiceProvider.GetRequiredService<PostgreSqlDbContext>();
                     bool postgreSqlExists =

diff --git a/...penBanking.Library.Connector.GenericHost/OpenBanking.Library.Connector.GenericHost.csproj b/...penBanking.Library.Connector.GenericHost/OpenBanking.Library.Connector.GenericHost.csproj
@@ -1,7 +1,7 @@
 <Project Sdk="Microsoft.NET.Sdk">
 
     <PropertyGroup>
-        <TargetFramework>net9.0</TargetFramework>
+        <TargetFramework>net10.0</TargetFramework>
         <Nullable>enable</Nullable>
         <ImplicitUsings>enable</ImplicitUsings>
         <AssemblyName>FinnovationLabs.OpenBanking.Library.Connector.GenericHost</AssemblyName>
@@ -23,20 +23,20 @@
     </PropertyGroup>
 
     <ItemGroup>
-        <PackageReference Include="Google.Cloud.SecretManager.V1" Version="2.7.0"/>
-        <PackageReference Include="AWSSDK.SimpleSystemsManagement" Version="4.0.8.5"/>
-        <PackageReference Include="AWSSDK.SSO" Version="4.0.3.5"/>
-        <PackageReference Include="AWSSDK.SSOOIDC" Version="4.0.4.7"/>
-        <PackageReference Include="Microsoft.Extensions.DependencyInjection" Version="9.0.17"/>
-        <PackageReference Include="Microsoft.Extensions.Hosting" Version="9.0.17"/>
-        <PackageReference Include="Microsoft.Extensions.Http" Version="9.0.17"/>
-        <PackageReference Include="Microsoft.Extensions.Logging" Version="9.0.17"/>
-        <PackageReference Include="Microsoft.Extensions.Options.DataAnnotations" Version="9.0.17"/>
-        <PackageReference Include="OpenTelemetry.Exporter.Console" Version="1.16.0"/>
-        <PackageReference Include="OpenTelemetry.Exporter.OpenTelemetryProtocol" Version="1.16.0"/>
-        <PackageReference Include="OpenTelemetry.Extensions.Hosting" Version="1.16.0"/>
+        <PackageReference Include="Google.Cloud.SecretManager.V1" Version="2.8.0"/>
+        <PackageReference Include="AWSSDK.SimpleSystemsManagement" Version="4.0.103.1"/>
+        <PackageReference Include="AWSSDK.SSO" Version="4.0.100.6"/>
+        <PackageReference Include="AWSSDK.SSOOIDC" Version="4.0.100.6"/>
+        <PackageReference Include="Microsoft.Extensions.DependencyInjection" Version="10.0.10"/>
+        <PackageReference Include="Microsoft.Extensions.Hosting" Version="10.0.10"/>
+        <PackageReference Include="Microsoft.Extensions.Http" Version="10.0.10"/>
+        <PackageReference Include="Microsoft.Extensions.Logging" Version="10.0.10"/>
+        <PackageReference Include="Microsoft.Extensions.Options.DataAnnotations" Version="10.0.10"/>
+        <PackageReference Include="OpenTelemetry.Exporter.Console" Version="1.17.0"/>
+        <PackageReference Include="OpenTelemetry.Exporter.OpenTelemetryProtocol" Version="1.17.0"/>
+        <PackageReference Include="OpenTelemetry.Extensions.Hosting" Version="1.17.0"/>
         <PackageReference Include="OpenTelemetry.Instrumentation.EntityFrameworkCore" Version="1.0.0-beta.8"/>
-        <PackageReference Include="OpenTelemetry.Instrumentation.Http" Version="1.15.1"/>
+        <PackageReference Include="OpenTelemetry.Instrumentation.Http" Version="1.17.0"/>
     </ItemGroup>
 
     <ItemGroup>

diff --git a/src/OpenBanking.Library.Connector.Web/OpenBanking.Library.Connector.Web.csproj b/src/OpenBanking.Library.Connector.Web/OpenBanking.Library.Connector.Web.csproj
@@ -1,7 +1,7 @@
 <Project Sdk="Microsoft.NET.Sdk">
 
     <PropertyGroup>
-        <TargetFramework>net9.0</TargetFramework>
+        <TargetFramework>net10.0</TargetFramework>
         <Nullable>enable</Nullable>
         <ImplicitUsings>enable</ImplicitUsings>
         <AssemblyName>FinnovationLabs.OpenBanking.Library.Connector.Web</AssemblyName>

diff --git a/src/OpenBanking.Library.Connector/BankProfiles/Generators/HsbcGenerator.cs b/src/OpenBanking.Library.Connector/BankProfiles/Generators/HsbcGenerator.cs
@@ -123,7 +123,7 @@ bank is not HsbcBank.MAndS
                 DomesticPayment =
                     new DomesticPaymentCustomBehaviour { PreferMisspeltContractPresentIndicator = true },
                 DomesticVrpConsentAuthCodeGrantPost =
-                    new AuthCodeGrantPostCustomBehaviour { ExpectedResponseRefreshTokenMayBeAbsent = true },
+                    new AuthCodeGrantPostCustomBehaviour(),
                 DomesticVrpConsent =
                     new DomesticVrpConsentCustomBehaviour { PreferMisspeltContractPresentIndicator = true },
                 DomesticVrp = new DomesticVrpCustomBehaviour