# Overview

The Banking API delivers real-time webhook notifications when resources change. To start receiving events, follow the [Events quickstart guide](/apis/platform/events/quickstart).

## Event format

Event Format
See the [Event format](/apis/platform/events/event-format/) for more information about the event format.

Events are delivered through the [Aritma Events API](/apis/platform/events/) using the [CloudEvents](https://github.com/cloudevents/spec) specification. Each event has a standard envelope with the event-specific payload in the `data` field:


```json
{
  "id": "{guid}",
  "source": "{subscriptionId}",
  "type": "{eventType}",
  "data": { ... },
  "time": "2026-02-03T10:59:15.2395239+00:00",
  "specversion": "1.0",
  "subject": "/subscriptions/{subscriptionId}/resource-groups/{resourceGroup}/providers/aritma.openbanking/accounts/{accountId}",
  "tid": "{tenantId}"
}
```

Next step
See the **[Event Payloads](/apis/banking/v4/openapi/banking-events-openapi)** reference for `data` schemas for every banking event type.