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aplonHUB™ is a fast and simple way for banks to add financial messages routing functionality , to existing legacy systems. Its light footprint and extensibility make it an ideal hub for banks of any size to manage and route messages such as SWIFT, ISO20022, SEPA, TARGET2, or local.
It can function either as a standalone solution or as a be fully integrated with the existing core systems. The interfaces provided can be used directly by core systems to manage and route Credit transfers, Instant credit transfers, and Direct Debits, with minimal impact on the back-office system , since you will not need to implement complex logic directly in the legacy system. Its routing and scheduling features will simplify your operations and will add the necessary control to your payments process.
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It performs all the needed transformation and validation of your SWIFT, ISO20022, SEPA, TARGET2, or local messages before and after the connection with the Swift Alliance or Service bureau.
It integrates seamlessly with external AML systems to guarantee compliance.
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Supports incoming and outgoing SWIFT MT, ISO20022, TARGET2, SEPA, CBPR+, MEPS, P27
Handles Credit transfers, Direct Debits, Instant Payments, MT to ISO20022 translations
Checks and validates all messages and generates alerts where appropriate
Alerts are highlighted in separate views where an operator can review
Supports rich search capabilities on archived messages based on dates, status, or message contents.
Messages can also be exported on well-defined and user-friendly PDFs.
It correlates related messages (e.g., Replies, Returns) and displays them side-by-side for easy reconciliation.
Incoming MT300 and MT320 are compared with equivalent outgoing messages. The differences between the two will be highlighted.
Ability to automatically generate replyreplies/request requests for cancelation/returns/Rejects for SWIFT MT, SEPA, or ISO20022 messages
Integrates with SWIFT ACKs/NACKs
Connects with external AML systems and bypasses messages according to rules
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Role-based access control (maker, authorizer, viewer, administrator, AML officer, etc.)
Audit log availability with an extensive search on date, object, action, or user.
Local Authentication (LAU) is implemented as recommended by SWIFT to provide integrity and authentication and protect files in transit between the application and the AutoClient.
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Non-functional
Modern and user-friendly UX/UI
Secured by design (three-tier)
API architecture by design
High availability by design
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aplonHUB™ is a Java-based web application , which that can be deployed using any J2EE-compliant application server or servlet container.
It supports all leading RDBMSs, including MySQL, DB2, and SQL Server (preferred).
Requires Java 8 and above.
Clients can access the application from any web browser
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The input/output folder
Emails to notify on process end
File pattern for the files to read (i.e., *.csv)
Configure the scheduler execution
The AML status and its name can be edited
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View SEPA messages and their details, view files, and change the AML status
View MT messages and their details, view files, and change the AML status
Search messages
View File logs
View all the pending transactions waiting for authorization. Note that the user who authorizes it should be different from the user that initiates the action
Use the Custom Notification setup events to send notifications from the schedulers, like when a rejection is received, send an email
Add rules to be handled by the schedulers. For example, when the amount is greater than 100, then do a specific action
Add holidays to avoid scheduled runs
Use Audit Trail to watch for actions that happened on a transaction. For example, bulked, debulked, authorized, etc
Can pause or resume a pending outgoing transaction from the Pending → Outgoing menu
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The user has the option to export the files, bulks, and transactions in PDF or excel reportreports.
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Example of SEPA tab usage:
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At the search messages tab, the user can search messages using the following criteria:
Date
Transactions Transaction status (received, settled, etc.)
Debtor IBAN
Creditor IBAN
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The Pending menu organizes the payments into two categories. In the Outgoing screen are payments that are ready to be sent, and Authorisation contains payments that a user must manually check and approve before they are sent.
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Create Payment
If necessary, a payment user can be manually created by create a user payment (with a role that allows him this action) from the Create payment menu.
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User roles with access to the audit trail screen have the ability to search using criteria. For every action, the The actor, the time, and the context are recorded for every action.
Users Tab:
Users with access at the users' tab can enable/disable a user and search for a user using criteria such as:
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