Case Studies

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Open Banking solution for a leading bank in Southern Europe

A full scaled open banking project that made the bank “Winner of best Digital Initiative award at the Banking Technology Awards 2017”.

HELLENIC BANK

aplonAPI

  • Provide the bank with a solution to comply for the PSD2 legislation
  • Go beyond PSD2 and provide more and richer APIs and help build a Fintech ecosystem
  • We implemented a state of the art PSD2 APIs Management Framework that worked around the existing legacy systems.
  • We created a secure Sandbox for developers to test the bank’s APIs before committing further.
  • We created an Admin portal for the bank’s employees to have control over the ecosystem and to monitor the APIs usage.
  • We helped bank build and support an ecosystem of Fintechs using their APIs.

Financial messages automation for a regional bank

Added a system for SEPA and SWIFT management and routing functionality next to the existing core banking system.

ANCORIA BANK

aplonHUB

Simplify the existing message management process and separate the volatile payments processes from the rigid core banking system.
  • We installed aplonHUB on premises and integrated with existing core systems
  • We modified message routing and authorization handling to suit the banks processes
  • We enabled SEPA Credit transfers and SWIFT MT messages
  • Handled returns, replies, revoces outside the core banking
  • Required negligent modifications to the existing core systems

Trade financing technology for a world leader

PC provides the underlying technology and support for a trade financing system το a financial institution giant.

JPMorgan Chase

SWIFT MT Messaging tools

Use an off-the-shelf and trusted technology provider to accelerate the development.
  • We provide SDKs to build, Parse and Validate SWIFT MT trade financing messages.
  • Provide unlimited same day support to any question, technical or business raised.
  • Update the tools annually immediately after the new rules are publicized by SWIFT.

Electronic Payments Management Portal for a leading card processor

Cardlink is active in the field of electronic payments and in particular in the acceptance and management of card transactions, both physical and e-commerce. The company operates the largest network of POS terminals in Greece.

CARDLINK

A custom application on top of the Payment Switches and POS Terminal Management Systems

  • The client needed a way to perform several activities like monitoring, reporting, billing, etc
  • They also needed a way for their Merchants to access their card-related transactions and other related business data
  • We implemented a cloud-based microservices architecture application around their Payment Switches and TMS.
  • We provided the client with an administrative portal to perform numerous tasks like in-depth reporting & real-time monitoring to critical processes such as billing & handling of card payments including all major card processors like Visa, Mastercard, Alipay, and cardless payments like QR codes & tokenized payments.
  • We also provided to different stakeholders related to our clients’ business activities, like Acquirers, Cardholders, Resellers, & Helpdesk, through the same portal, access to their card-related transactions, and merchant’s data. Our client had full control over what information these stakeholders could access.
  • Specifically, for their Merchants, we developed a dedicated portal to access their card-related transactions, business data, draw premade, or custom-made reports to cover their business needs (sales, accounting, marketing, etc), allow & manage multiple users on the same account with different access levels.

PSD2 compliance for a regional bank in Europe

RCB Bank Ltd is a European bank with over 20 year history and one of the largest financial institutions in Cyprus. The Bank operates a universal banking model and serves thousands of local and international clients.

RCB

aplonAPI

  • The client needed a quick and efficient way to become PSD2 compliant
  • They also needed a way to expose advanced APIs designed specifically for business clients
  • Install and integrate aplonAPI, API Management Platform with web banking system to conform with the PSD2 regulation of Europe in record time
  • Customize the platform and provide support to cover the needs of business clients for advanced APIs that are exposed by the bank
  • Provide Consulting services on Open Banking concerns and inquiries and enhance the platform regularly to cover all the changing needs of the client and all the clarification that comes from European authorities regarding the PSD2 regulation

Payments automation for a leading cloud based core banking system

Payments automation for a leading cloud based core banking system

MAMBU

aplonHUB

The client needed to add payment functionalities to their core system to enhance their core banking offering.
  • Integrated aplonHUB core system to the core banking platform
  • Modified extensively internal handling and routing so that it integrates smoothly to the core system
  • Added SEPA Credit Transfers and SEPA Direct Debits for their European clients

Financial messages technology for a world leader

PC provides the underlying technology and support for several global payment systems of one of the largest financial institutions.

CITI

SWIFT MT Messaging tools

Use an off-the-shelf and trusted technology provider to accelerate the development.
  • We provide SDKs to build, Parse and Validate SWIFT MT trade financing messages.
  • Provide unlimited same day support to any question, technical or business raised.
  • Update the tools annually immediately after the new rules are publicized by SWIFT.

Financial messages manager based on open banking for a private ACH in Nigeria

We created the complete Operational Blueprint & built a FinServ 2.0, Open Banking ready, API powered system for financial messages exchange and settlement.

ARCA

aplonAPI

Provided the client with the first private Automated Clearing House in Nigeria.
  • We created the complete Operational Blueprint & built a FinServ 2.0, Open Banking ready, API powered system
  • The ARCA Clearing House has worked as a connector to transform the old legacy stack into innovative payment services (e.g Instant Payments, Direct Credit, etc.) for banks and fintechs

Credit Transfer, Direct Debits and Instant payments for regional Fintech

Automated and modernized the whole payments functionality to one of Malta’s oldest financial services firms.

Calamatta Cuschieri

aplonHUB

The client needed to fully automate international payments and add new payment methods such as Instant payments to their existing offerings.
  • We installed aplonHUB on-premises and integrated with existing core systems
  • Implemented advanced notification and filtering mechanism to achieve full STP and automation
  • We enabled the SEPA CT, SEPA DDs, and SWIFT MT messaging modules
  • We integrated aplonHUB with their external ACHs and Corresponding banks

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