Payments HubGenAI

One application to handle all your account to account payment flows, together with a Generative AI assistant!

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Some of our valued customers

I want to support multiple payment schemes and connect to many payment rails and I am looking for… …a solution for a unified way of processing financial messages from different schemes and a simple configuration for connecting to different rails

I want to make my bank more competitive and compliant on ISO20022 and I am looking for… …a solution that allows me to send and receive ISO20022 messages or translate Swift MTs to and from ISO20022 standard

I want to easily offer to my customers new payment methods and I am looking for… …a solution that supports multiple payment instruments, i.e., Credit Transfers, Direct Debits, Instant Payments, Request-to-Pay etc.)

I want to investigate my transactional data with the help of an AI assistant as I am looking for… …suspicious behaviours, trends, patterns, in my payment data

Why you need a Payment Hub to handle Financial Messages effectively

  • To simplify the handling of different schemes, instruments & protocols, including cross border payments
  • To streamline the SWIFT ISO 20022 migration process
  • To have a know-it-all AI assistant at your service
  • To decouple your payments from your inflexible core system
  • To offload the burden of implementing new payment rails
  • To future-proof your business against continuous market changes
  • To enjoy a unified view of all your payments
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  • Main Features
  • AI Assistant
  • Available Schemes
  • Pricing
  • Technical Info

See how aplonHUB handles Financial Message flows

Incoming

  • Parses and stores incoming messages for future drill-down searches
  • Performs syntax, duplication, AML and rules validation and produces alerts
  • Transforms ISO 20022 messages and forwards them to core banking for processing
  • Generates message Replies and Returns automatically
  • Correlates original and reply messages to facilitate exceptions and investigations
  • Matches payments with statement and confirmations for easier reconciliation

Outgoing

  • Receives outgoing messages or payment orders from the core system
  • Parses, Validates, Translates and Stores messages for future reference and search
  • Requires second level authorization for specific transactions depending on configuration
  • Bulks and forwards messages to ACHs or Corresponding Banks according to cut-offs
  • Forwards Instant payments and handles replies
  • Generates automated recalls as required

Available payment schemes and instruments

aplonHUB supports out-of-the-box cross border payments, regional, and local ISO 20022 based schemes and instruments. New ones can also be added easily on demand. It turns SWIFT ISO 20022 migration to an easy and hassle-free process

Payment schemes

Instruments

  • Credit Transfers
  • Direct Debits
  • Instant Payments
  • Request-to-Pay

Key Benefits of aplonHUB

Single view for all types of payments with one application. Supports SEPA Credit Transfers, SEPA Direct Debits and Instant Payments, SWIFT MT, ISO20022 cross border payments (CBPR+), TARGET2, and Real-time Payments.

Rapid time to market, fast SWIFT ISO 20022 migration and reduced total cost of ownership. Fast and easy to install on your premises and even faster to connect in the cloud. Go live in just 2 weeks to 2 months!

Unparalleled efficiency and flexibility among Payment Hubs. API native, it seamlessly integrates with your core and AML systems in a number of other ways if required.

Ideal for any size banks, Payment Service Providers or Fintechs. Start simple, extent and scale up to handle all the complex flows as your business grows in the Fintech era.

Equipped with an AI assistant, to help you find useful insights and investigate your transactional data in a way that was not possible before. Just by chatting with natural language with FINaplo.AI

Reporting on your transactional data, with tables, charts, and graphs so easy to get and download. Just ask for them from FINaplo.AI, your conversational AI and you’ll have them immediately

Let’s schedule a 15 minute demo

OK, I am in!
The best way to answer all your questions
Connectivity
Easy core banking integration
Flexible Payment Hub and easy integration with the core banking system (APIs, Files, MQs) allowing for quick set-up and short time-to-market
Payment rails connection
Connect to different payment rails and payments infrastructures (ACHs, Swift/SIA Network, Correspondent banks, Service Bureaus, etc.)
Flexible Scheduling
Advanced scheduling module ensures that the processing of the payments conforms to the cut-offs and clearing cycles defined by your ACH or your Correspondent Bank.
AI Innovation
Identify potential fraudulent activities
Through a simple question-answer interaction, FINaplo.AI helps identify potential fraud by analyzing transaction data, providing insightful graphs, and timelines to easily spotlight suspicious activities.
Increased Efficiency
Users no longer need to know the structure of the payments data. Not even know how to compose effective queries. The system will use artificial intelligence to help make every user an expert in data mining!
Reports & Statements
Users can ask FINaplo.AI to create and customize table columns, export them as CSV files for reconciliation or further analysis, and download various charts as images for easy sharing in reports or emails.
Simplicity
Unified management
Unified management of multiple payment schemes from different regions (Swift MTs, SEPA, ISO20022, HVPS+, CBPR+, RTP, etc.)
Embedded message translation
Be ISO20022-ready at no time with the Translation module between Swift MT and ISO20022 standards (CBPR+, Target2)
Advanced search
Extensive search and filtering of incoming/outgoing messages and files by dates, types, tags, transaction status, etc.
Security
User Management
Advanced user management and access control with up to seven different roles to manage access and permissions easily.
Advanced Security
Out-of-the-box security features like 4-eyes authorization, audit trail, and action logging according to the global information security standards to protect customer data.
AML integration
Secure API connectivity with any 3rd party AML solution that can be easily bypassed if handled by the core system.
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Pricing

  • Simple, straightforward pricing structure
  • Annual flat fee per payment scheme
  • Unlimited users / messages exchanged/API calls
  • One license for all required environments DEV/SIT/QA/LIVE
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Technical Info

  • Lightweight Payment Hub and compatible with all leading RDBMSs
  • Modern 3-tier architecture and easily scalable
  • Extensive configuration from the web user interface (UI)
  • API-first architecture, all web UI functionalities also available via APIs

For more technical information check here

aplonHUB + FINaplo.AI

Have a genie on your side

Navigate the world of account-to-account payments effortlessly with FINaplo.AI, now
integrated within aplonHUB, as the first payment Hub to incorporate a conversational AI.
Instant Query Resolutions
  • Get your questions answered instantly, anytime.
  • Delve into rich replies featuring text, tables, charts, and graphs, all readily downloadable for your convenience.
Solid Security
  • Experience a secure banking environment with your data handled with utmost care
  • Remain compliant effortlessly with industry standards and regulations.
AML Investigative Capabilities
  • Explore a new dimension of AML investigation with conversational AI.
  • Engage in intuitive dialogues to unravel complex financial scenarios and ensure compliance.
Seamless Integration
  • Access FINaplo.AI directly from the aplonHUB dashboard.
  • A consolidated platform addressing all your payment and banking queries.
See it in action
Payment Components