Case Studies

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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.



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
card payments

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.


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.

Payments automation for a leading cloud based core banking system

Payments automation for a leading cloud based core banking system



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

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


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