UNU API

1 review

UNUapi is a comprehensive Software Development Kit (SDK designed to facilitate seamless integration with multiple banks through a unified API, enabling businesses to harness the full potential of open banking. By aggregating diverse bank APIs into a standardized protocol, UNUapi allows users to access and manage all their financial data efficiently, streamlining account aggregation and payment initiation processes. Key Features and Functionality: - Uniform Connectivity: Transforms varying bank APIs into a cohesive and simplified protocol, providing a consistent experience across multiple financial institutions. - Multibanking Support: Continuously expands connectivity by integrating new banks, ensuring users have comprehensive access to their financial information without additional onboarding complexities. - AISP and PISP Capabilities: Pre-packaged with features such as user consent management, account balance retrieval, transaction history access, and payment initiation services, adhering to open banking standards. - Secure Deployment: Offers a stateless API that can be deployed within your cloud environment or on-premises, aligning with organizational policies and ensuring data security. - Developer-Friendly: Accompanied by extensive documentation, sample code snippets, and use cases to facilitate rapid development and integration. Primary Value and User Solutions: UNUapi addresses the complexities associated with integrating multiple banking APIs by providing a unified interface, thereby reducing development time and operational costs. It empowers banks to enhance their digital offerings with multibanking capabilities, enables neobanks and fintechs to compete by offering comprehensive aggregation and payment services, and allows ERPs and software providers to deliver multibanking solutions to corporates without the necessity of a Third-Party Provider (TPP license. Ultimately, UNUapi simplifies financial data sharing and management, fostering innovation and efficiency in the financial services sector.

aplonHUB

0 reviews

aplonHUB is a lightweight, platform-independent payments hub designed to enhance existing banking systems by providing comprehensive support for various financial messaging standards, including SEPA, SWIFT MT, and ISO 20022. Its flexible architecture allows for seamless integration with core banking systems, enabling financial institutions to modernize payment processes, adopt new payment schemes, and ensure compliance with evolving regulatory requirements. With a minimal footprint, aplonHUB can be deployed rapidly, facilitating the efficient management and routing of financial messages. Key Features and Functionality: - Comprehensive Message Support: Handles incoming and outgoing messages across multiple standards such as SWIFT MT, ISO 20022, SEPA, TARGET2, CBPR+, MEPS+, and FedNow. - Versatile Payment Instruments: Supports Credit Transfers, Direct Debits, Instant Payments, Request-to-Pay, RTGS, and HVPS. - Advanced Validation and Alerts: Performs syntax checks, duplication detection, AML validation, and rule-based assessments, generating alerts for any discrepancies. - Automated Message Handling: Automatically generates replies, returns, and cancellation requests for various message types, streamlining operations. - Seamless Integration: Connects effortlessly with core banking systems and external AML solutions, ensuring compliance and operational efficiency. - User-Friendly Interface: Offers a modern, intuitive UI with robust search capabilities, allowing users to filter messages by date, status, or content. - Security and Auditing: Implements role-based access control, maintains detailed audit logs, and supports SWIFT Local Authentication (LAU to ensure data integrity and compliance. Primary Value and Problem Solved: aplonHUB addresses the challenges financial institutions face in adapting to new payment schemes and regulatory standards. By decoupling payment processing from inflexible core systems, it provides agility and simplifies the adoption of standards like ISO 20022 and instant payments. This modernization reduces the time and resources required for compliance, enhances operational efficiency, and future-proofs institutions against continuous market changes. Additionally, the integration of Generative AI assists in AML compliance by analyzing transaction data and identifying potential fraudulent activities, further strengthening the security and reliability of payment operations.

AplonAPI

0 reviews

AplonAPI is a comprehensive Open Banking API management platform designed exclusively for financial institutions navigating the evolving landscape of open banking and PSD2 regulations. It empowers banks and financial entities to offer Banking as a Service (BaaS or Banking as a Platform (BaaP solutions, enabling seamless integration with Third-Party Providers (TPPs such as Account Information Service Providers (AISPs and Payment Initiation Service Providers (PISPs. By facilitating the creation of a connected FinTech ecosystem, AplonAPI opens new revenue channels and positions institutions at the forefront of the multibanking movement. Key Features and Functionality: - Value Generation: AplonAPI acts as a value generator for business and technology from day one. The Billing and SLA modules let you monetize your APIs. You start seeing revenue from a channel much broader than your web or mobile apps. Start creating beneficial partnerships with AISPs and PISPs and create your own ecosystem. Go beyond Open Banking Regulation and use the platform to manage private APIs to harmonize internal development. This way you expedite and normalize your own development projects. You can also expose B2B APIs to attract and facilitate communication with large corporates. - Ready-to-Use Sandbox: Immediately initiate your online presence with an out-of-the-box sandbox. It comes with prebuilt and tested PSD2 APIs in any of the major open banking standards. Without any effort on your part, you get a sandbox for - Authentication / Account Owner Consent, - Payment Initiation API, - Funds Availability API, - Account Information API, - Second Factor Authentication (using the OAUTH 2.0 protocol. Any AISP and PISP can test their applications immediately as sample users, accounts, and Strong Customer Authentication (SCA features are included. - Branded Developer Portal: It comes prebuilt and ready to launch with out-of-the-box developers onboarding, application registration, logging, billing, and marketplace features for AISP, PISP, and client applications. With the provided source code you can customize it and brand it. You can even extend it for any future regulated or not API, or functionality you want to provide to your fintech ecosystem. With this unparalleled flexibility, you can even modify the UI or use the underlined APIs to integrate it into your website. - Comprehensive Open Banking Support: Supports out-of-the-box Berlin Group, Open Banking UK, or any other Open Banking standards. It fully supports the PSD2 directives on Strong Customer Authentication (SCA, Consent management, and TPP verification through QSEAL and QWAC validation. Helps you define multi-tier billing layers & combine them with actual usage logs to generate all the necessary billing information. It also monitors the performance of Payment Initiation, Account Details, Funds Availability, and any other exposed APIs. PaymentComponents even provides you with client applications in Sandbox to test the data of your financial transactions and start populating your marketplace. - Tailored for Financial Institutions: Generic API management tools are not the best solution for financial institutions. AplonAPI platform was created by financial technology experts and is optimized and customized for Financial Institutions specifically for Open Banking. Working with Paymentcomponents, you partner with a Fintech specialized in Open Banking and Payments and therefore leverage the first-mover advantage of our continuous innovation. You become part of the global thought leadership on open banking and get the opportunity to be awarded as "leading digital initiative" and "Usability / User Experience Excellence" as some of our customers. - Advanced Technology Stack: AplonAPI is built from the ground up, as a truly open API platform. All internal functionality is exposed as APIs, to access them from your web banking or mobile banking. It fully leverages cutting-edge technology trends such as microservices, dockers, Kubernetes for unparalleled elasticity and scalability. For blazing speed, it utilizes in-memory databases, ELK stack (Elasticsearch, Logstash, and Kibana asynchronous traces, and can be installed in the cloud or on-premise. Primary Value and User Solutions: AplonAPI addresses the critical need for financial institutions to adapt to the open banking era by providing a robust, secure, and scalable platform for API management. It enables banks to comply with PSD2 regulations, monetize their APIs, and foster innovation through partnerships with FinTechs. By offering a ready-to-use sandbox and a customizable developer portal, AplonAPI accelerates the development and deployment of new financial services, enhancing customer engagement and opening new revenue streams. Its advanced technology stack ensures high performance and scalability, allowing institutions to stay competitive in a rapidly evolving financial landscape.