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
Payments HubGenAI
One application to handle all your account to account payment flows, together with a Generative AI assistant!
Request a demoSome of our valued customers
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
PAYMENTS HUB
- To simplify the handling of different schemes, instruments & protocols
- 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
Available payment schemes and instruments
aplonHUB supports out-of-the-box cross-border, regional, and local schemes and instruments. New ones can also be added easily on demand.
Payment schemes- SWIFT MT
- ISO20022
- SEPA (several ACH flavors)
- CBPR+
- TARGET2
- MEPS+
- FedNow
- SIC / euroSIC
- Request for a new scheme
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, Direct Debits SEPA Inst, SWIFT MT, ISO20022 CBPR+, TARGET2 and Real-time Payments.
Rapid time to market 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. 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
aplonHUB at a glance
Connectivity
Easy core banking integration
Flexible and 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 data. Not even know how to compose effective queries. The system will suggest useful queries thus making 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, 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.
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
Technical Info
- Lightweight 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.
