PAYMENT HUB FOR BANKS


aplonHUB is the fastest and simplest way for banks to add SEPA and SWIFT routing functionality to existing legacy systems. Its light footprint, simple installation and almost unattended operation makes it ideal for small to medium size banks. Yet with its multi-bank and multi-ACH support will enable your bank to consolidate its payments and grow with no limits.

It can function either as a standalone solution or a fully integrated with the existing payments platform. The interfaces provided can be used directly by a payments application to send, receive, reply, cancel SEPA messages with no impact on the back-office system, since you will not need to implement complex XML and SEPA logic directly in the legacy system. Its routing and scheduling features will simplify your operations and will add the necessary control to your payments process.


MINIMAL IMPACT TO CORE BANKING


aplonHUB transacts with the core banking or legacy payment systems in a number of protocols (MQseries, APIs, WebServices, files) to handle all the advanced routing and message transformation needs.

It performs all the needed transformation and validation of your SWIFT or SEPA messages before and after the connection with the SwiftAlliance or Service bureau.

It integrates seamlessly with external AML systems to guarantee compliance.

It acts as your HUB as it routes and splits messages for different BICs (multi-bank) and different clearing systems or corresponding banks (multi-ACH). It does all these for different scheduling settings and for different user authorities.

Simplify your payments
with a single installation

STP IN ITS HEART

For incoming


  • Parses incoming files as they arrive to the bank.
  • Un-bulks the contents and saves messages as tags to enable future drill-down searches.
  • Performs syntax and rules validation and produces alerts.
  • Checks messages against AML system and holds and notifies in case of issues.
  • Transforms (if needed) and forwards messages to core banking queues for accounting processing.

For outgoing


  • Gets outgoing messages or payment orders produced by the core system.
  • Performs syntax and rules validation and produces alerts.
  • Stores messages locally for future reference.
  • Checks messages against integrated AML and only releases the valid ones.
  • At specified time intervals set in scheduler, bulks messages and forwards them to out queues.

SIMPLE TO OPERATE YET FEATURE RICH

  • The management console is the GUI of the system and provides traffic management and full system configuration.
  • Traffic management displays details of SEPA or SWIFT interchange files, showing the groups and the transactions they contain in detail.
  • It can also be used to perform message actions, including cancellations, auto replies, recalls, rejections etc.
  • In a multi-bank set-up message lists, reconciliation reports, filtering and search can be accessed either per bank or consolidated.