v5.16.0
Changes:
- Added a new field, links[creditor] to the scheme identifier create API
- Added a new API to set and retrieve negative balances
- Added a new bank_reference_prefix to the creditor API
- Removed the bank_redirect field from the institutions API
- Added an autocompletes_collect_bank_account field to the institutions API
- Removed the creditor API endpoint to apply scheme identifiers