Payments HubGenAI
Migrate to ISO20022 and Instant Payments using the first Generative AI enabled payment HUB
Request a demoSome of our valued customers
Υou need an AI-Driven Payment Hub to handle Financial Messages effectively
PAYMENTS HUB
- To simplify the handling of different schemes & protocols, such as Cross Border (CBPR+) and Domestic Payments
- To offload the burden of implementing new payment Instruments such as Instant/Real-time Payments, Credit Transfers, Direct Debits, RTGS, HVPS
- To streamline the SWIFT ISO 20022 migration process and future-proof your business against continuous market changes
- To decouple your payments from your inflexible core system and improve time to market
- To have a know-it-all Generative AI assistant with insights on your payment data to support you with AML compliance
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)
- TARGET2
- CBPR+
- MEPS+
- FedNow
- SIC / euroSIC
- Request for a new scheme
Instruments
- Credit Transfers
- Direct Debits
- Instant Payments
- Request-to-Pay
- RTGS (Real-Time Gross Settlement)
- HVPS (High Value Payments System)
aplonHUB at a glance
Connectivity
Easy core banking integration
Flexible Payment Hub and seamless integration with the core banking system (APIs, Files, MQs), enabling smooth operations and allowing for rapid set-up, swift deployment, and shorter time-to-market.
Payment rails connection
Seamlessly connect to various payment rails and infrastructures like ACHs, Swift, SIA Network, Correspondent banks, and Service Bureaus, enabling efficient, secure, and streamlined global transactions.
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 quickly with the Translation module that converts Swift MT to ISO20022 standards (CBPR+, Target2), ensuring compliance, reducing errors, and simplifying the migration process.
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.
See what aplonHUB can do for you
Process financial messages across various payment schemes and easily connect to multiple payment rails.
WATCH VIDEO
Make your bank more competitive and compliant with a payment hub that sends, receives, and translates ISO20022 messages for you.
WATCH VIDEO
Use aplonHUB AI assistant to analyze your transactional payment data for suspicious behaviors, trends, patterns, and more.
WATCH VIDEO
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
aplonHUB + Generative AI
Navigate the world of account-to-account payments safely with a generative AI assistant, now integrated within aplonHUB. The first Payment Hub to incorporate a conversational AI.
AML Investigation
- Explore a new dimension of AML investigation with conversational AI
- Engage in intuitive dialogues to unravel complex financial scenarios and ensure compliance
Money Talks
- Get useful insights from your ISO20022 data, that were hidden until today
- Delve into rich replies featuring text, tables, charts, and graphs, all readily downloadable for your convenience
Solid Security
- No sensitive data are exposed outside the bank environment
- Remain compliant effortlessly with industry standards and regulations
Seamless Integration
- Access FINaplo.AI directly from the aplonHUB dashboard
- A consolidated platform addressing all your payment and investigating queries
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 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
FAQs
What is aplonHUB
What is aplonHUB?
aplonHUB is an innovative payment hub designed for financial institutions to streamline the management and routing of financial messages. It is the first Payment Hub that incorporates an AI assistant, FINaplo.AI, that disrupts processes like reporting, marketing research and AML Investigation. It supports a wide range of protocols including SWIFT MT, ISO 20022, SEPA, TARGET2, and local standards, making it a versatile solution for banks of any size. Its lightweight and extendable architecture allows for seamless integration with existing legacy systems, offering a standalone or fully integrated approach to financial message routing.
How does aplonHUB integrate with existing banking or legacy systems
How does aplonHUB integrate with existing banking or legacy systems?
aplonHUB offers flexible integration capabilities with core banking or legacy payment systems using various methods such as APIs, queues, and files. This enables advanced routing and message transformation needs to be met without requiring complex modifications to back-office systems, thereby simplifying operations and adding necessary control to any payments process.
What financial message standards does aplonHUB support
What financial message standards does aplonHUB support?
aplonHUB supports a comprehensive range of financial message standards, including SWIFT MT, ISO20022, TARGET2, SEPA, Cross Border Payments (CBPR+), RTGS, MEPS+, FedNow, SIC/euroSIC, BAHTNET, and others. This wide support ensures that financial institutions can manage and route various types of credit transfers, direct debits, and instant payments across different global payment schemes. Additional payment protocols can be added per request
Can aplonHUB handle both incoming and outgoing payments
Can aplonHUB handle both incoming and outgoing payments?
Yes, aplonHUB efficiently handles both incoming and outgoing payments. It supports credit transfers, direct debits, instant payments, and offers capabilities for MT to ISO20022 translations. This versatility allows aplonHUB to check and validate all messages, generate alerts where appropriate, and ensure that operations are streamlined and compliant with regulatory standards.
What are the key features of aplonHUB
What are the key features of aplonHUB?
AplonHUB offers a range of key features, including support for multiple financial message standards, rich search capabilities, message validation, role-based access control, extensive audit logging, and seamless integration with external AML systems. Its modern UX/UI, secured three-tier architecture, and high availability design make it a robust solution for financial messaging.
What makes aplonHUB unique compared to other payment hubs
What makes aplonHUB unique compared to other payment hubs?
aplonHUB stands out for its light footprint, extendibility, and comprehensive support for a wide range of payment schemes. Its ability to integrate seamlessly with existing systems, coupled with advanced features like conversational AI for transaction analysis (FINaplo.AI), sets aplonHUB apart as a forward-thinking solution for financial messaging.
How does the implementation process of aplonHUB work
How does the implementation process of aplonHUB work?
The implementation process of aplonHUB is designed to be straightforward and efficient. Given its Java-based architecture and compatibility with any Java application server or docker containers, aplonHUB offers significant portability across various computing environments. The process involves initial setup, integration with the financial institution's core systems, and configuration according to specific payment processing needs. A quick process for a product built by financial technology experts specifically for financial institutions. PaymentComponents offers support throughout the implementation to ensure a smooth transition and optimal setup.
What kind of support and maintenance do Payment Components offer for aplonHUB
What kind of support and maintenance do Payment Components offer for aplonHUB?
Payment Components provide comprehensive support and maintenance services, including unlimited email or telephone support on business or technical issues, regular updates to ensure continued compliance with ISO20022 financial messaging standards, and access to a team of experts for any implementation or operational queries.
Can aplonHUB be customized to fit specific organizational needs
Can aplonHUB be customized to fit specific organizational needs?
Yes, aplonHUB can be customized to meet specific organizational needs. Its flexible architecture and configurable settings allow financial institutions to tailor the system according to their unique requirements, including adding new payment schemes, customizing workflows, and integrating additional security measures.
How secure aplonHUB is
How secure aplonHUB is?
Security is a paramount concern, with features like role-based access control, audit logs, and SWIFT Local Authentication (LAU) (as recommended by SWIFT) or PGP to ensure data integrity, confidentiality, and compliance with financial industry regulations.
The application has its own built-in security mechanism or can integrate with Windows Active Directory.
The application has its own built-in security mechanism or can integrate with Windows Active Directory.
