N E W I D E A S F O R B A N K I N G

The straight-thinking Payment Services Hub

N E W I D E A S F O R B A N K I N G

UniPay

Rome Headquarters

Viale Egeo, 55/5700144 Rome ItalyPh. +39.06.523891www.ent4bank.it

Milan Branch

Viale Piceno, 1620129 Milan Italy

Turin Branch

Corso Ferrucci, 77/1010138 Turin Italy

Kafi Banking Software FZ.LLCOffice 1808Al Thuraya Tower IDubai Media CityP.O. Box 73000, Dubai, U.A.E.Ph. +971 (0) 4 375 4984/5/6Fax +971 (0) 4 552 10 72www.kbsemirates.com

UP

V 2

.0

Payments go Fast

UniPay sponsor of winners

sharing our expertisein banking software

References

N E W I D E A S F O R B A N K I N G

The straight-thinking Payment Services Hub

N E W I D E A S F O R B A N K I N G

UniPay

Rome Headquarters

Viale Egeo, 55/5700144 Rome ItalyPh. +39.06.523891www.ent4bank.it

Milan Branch

Viale Piceno, 1620129 Milan Italy

Turin Branch

Corso Ferrucci, 77/1010138 Turin Italy

Kafi Banking Software FZ.LLCOffice 1808Al Thuraya Tower IDubai Media CityP.O. Box 73000, Dubai, U.A.E.Ph. +971 (0) 4 375 4984/5/6Fax +971 (0) 4 552 10 72www.kbsemirates.com

UP

V 2

.0

Payments go Fast

UniPay sponsor of winners

sharing our expertisein banking software

References

The Payments hubs are turning out to be the primary architecture in the payments industry today.The payment infrastructure in banks became over the years more and more complex and fragmented. Most banks have different systems for payment in-struments maintaining different links with settlement mechanisms.Having a diversity of transactions type, instruments, standards and channels is forcing the banks to strug-gle managing this assortment with lack of sufficient visibility and monitoring, with limited flexibility to intro-

duce new mechanisms and payment products in an aggressive time-to-market and with growing IT costs and issues spread over different systems.At the same time, banks are compelled to comply with international regulations for Anti-Money Laundering, sanctions screening andanti-fraud and with payment integration initiatives like the European SEPA or others.

International payments evolving markets and requirements

Growing number of payments transactions type and increased volume

Flexibility to deal with International changing regulations and standards

Intricacy to integrate new channels and to adopt new technologies

Lack of consolidated monitoring for transactions across channels and instruments

Launch of new payments products in speedy time-to-market

Data aggregation from different systems enabling risk management, data analytics and cross-selling

Enhancement of payments visibility Cost reductions and efficiency

Kafi Banking Software LLC – KBS is a subsidiary of Enterprise Spa specialized in the design, development, implementation and support of a wide range of systems and software applications for banks and financial institutions.

Challenge

UniPay is the implementation of an architectural vision of a comprehensive Payment Services Hub breaking new ground of payment architecture.

UniPay is the Payment Services Hub (PSH) that forms the heart of all payments activity in the bank.UniPay is a centralized hub designed to process any payment of any instrument type coming from all payment mechanisms in a single platform.UniPay is developed using the best-of-breed technology with a modern architecture SOA compliant delivering all the functionalities as services available to the hub itself and to other areas of the bank.

UniPay CharacteristicsUniPay provides an innovative payments engine of-fering end-to-end payments processing, delivered as services, throughout the entire lifecycle of a payment transaction.

UniPay Manages all types of payments: single or mul-tiple, temporary or permanent, urgent or normal, con-ditioned, large amounts, SCT, SDD.

UniPay features a dynamic workflow engine for pay-ments process management customizable and ca-pable to add new business services and multiple inte-gration points with existing legacy system.UniPay provides apposite security, access control au-dit trails, monitoring and alerting capabilities.UniPay provides also for validation, compliance, re-pairs and storing of payment transactions.As optional modules, UniPay provides for cash man-agement and cash pooling operations in addition to the capabilities to manage cash-to-cash payments and related functions.

Modular and Service Oriented (SOA) High transactions volumes High parameterization level User’s Rules driven Clearing Engine Multi-language Multi bank Multi channel Multi currency Standard Message Formats natively supported Capability to integrate Proprietary Message Format

Single Message and Bulk On line and Batch processing workflow Runs natively on ISO 20022, ISO 8583, FIN, XML Path

Automated management of Financial Action Task Force - GAFI Manages SEPA schemes H24/7 Days a week Flow Manager Direct connection to the networks ACH Features Cash Management/Pooling (optional) Cash-to-Cash operations (optional)

PSH Business Benefits Reduction in operating costs Increase in transaction volume Competitive advantage as PSHtechnology will drive revenue

Faster time-to-market for new payment products

Extensive increase in STP processedpayments

Move towards a customer centric system Prevention of message loss and duplicates

Ensuring payments to comply with international regulations

For the 2nd consecutive year, Deutsche Bank awarded Banco Popolare running UniPay with:2013 EUR STP Excellence Award For Exceptional quality of payment messages

Business Drivers Either the bank’s modernization path is driven by strategic, business or technolo-gical motivation, UniPay is providing the solution to enhance service delivery and multi-channel access, to well organize IT operations and reduce reconciliation load and to put forward suitable new expanding payment services.

Business Channels Front-End Landing Zone

Business Channels Connectivity

InteractiveChannels

Push-Through Channels

Credit TransfersInternational, RTGS, FIN, SEPA

Cover PaymentsInternational, FIN

Direct DebitsInternational, RTGS, FIN, SEPA

Cards Repair Charges Our Charges

Bank Directory Plus Correspondent Banks Standard Settlement Instr. Indirect Banks Currency Cut-Off Holiday File Time Zone File

UniPay Service LayerPAYMENTS INTELLIGENT ROUTING

Common Shared Services System Admin & Parameterization Workflow Business Process Mgmt Authorization / Edit / Repair

Embedded Scheduler Inquiries / Folder /Tracking Terms & Conditions

BRANCHES UniPay WEB Application Back Office Internal Offices

BIG CORPORATE

Remote Banking Proprietary Formats

CUSTOMERS BANKS

Internet - Mobile SWIFT Net

Indirect Banks Net External Services

Regulatory&

Compliance

GAFI-FATF Black List Embargo AML Investigation General Ledger Accounting Statistics Reconciliation

General Registry Current Account Correspondent Account Logical Security

Fee & Charges World Check SWIFT Ref Credit Limit

Legacy System Applications

Net

wor

k C

onne

ctiv

ity

RTGS

ACH

Indirect Banks Net

SWIFT Net

FTP

SWIFT Network

Middleware Application

General Ledger Data Warehouse

Audit AML

Repository

Downstream

The Payments hubs are turning out to be the primary architecture in the payments industry today.The payment infrastructure in banks became over the years more and more complex and fragmented. Most banks have different systems for payment in-struments maintaining different links with settlement mechanisms.Having a diversity of transactions type, instruments, standards and channels is forcing the banks to strug-gle managing this assortment with lack of sufficient visibility and monitoring, with limited flexibility to intro-

duce new mechanisms and payment products in an aggressive time-to-market and with growing IT costs and issues spread over different systems.At the same time, banks are compelled to comply with international regulations for Anti-Money Laundering, sanctions screening andanti-fraud and with payment integration initiatives like the European SEPA or others.

International payments evolving markets and requirements

Growing number of payments transactions type and increased volume

Flexibility to deal with International changing regulations and standards

Intricacy to integrate new channels and to adopt new technologies

Lack of consolidated monitoring for transactions across channels and instruments

Launch of new payments products in speedy time-to-market

Data aggregation from different systems enabling risk management, data analytics and cross-selling

Enhancement of payments visibility Cost reductions and efficiency

Kafi Banking Software LLC – KBS is a subsidiary of Enterprise Spa specialized in the design, development, implementation and support of a wide range of systems and software applications for banks and financial institutions.

Challenge

UniPay is the implementation of an architectural vision of a comprehensive Payment Services Hub breaking new ground of payment architecture.

UniPay is the Payment Services Hub (PSH) that forms the heart of all payments activity in the bank.UniPay is a centralized hub designed to process any payment of any instrument type coming from all payment mechanisms in a single platform.UniPay is developed using the best-of-breed technology with a modern architecture SOA compliant delivering all the functionalities as services available to the hub itself and to other areas of the bank.

UniPay CharacteristicsUniPay provides an innovative payments engine of-fering end-to-end payments processing, delivered as services, throughout the entire lifecycle of a payment transaction.

UniPay Manages all types of payments: single or mul-tiple, temporary or permanent, urgent or normal, con-ditioned, large amounts, SCT, SDD.

UniPay features a dynamic workflow engine for pay-ments process management customizable and ca-pable to add new business services and multiple inte-gration points with existing legacy system.UniPay provides apposite security, access control au-dit trails, monitoring and alerting capabilities.UniPay provides also for validation, compliance, re-pairs and storing of payment transactions.As optional modules, UniPay provides for cash man-agement and cash pooling operations in addition to the capabilities to manage cash-to-cash payments and related functions.

Modular and Service Oriented (SOA) High transactions volumes High parameterization level User’s Rules driven Clearing Engine Multi-language Multi bank Multi channel Multi currency Standard Message Formats natively supported Capability to integrate Proprietary Message Format

Single Message and Bulk On line and Batch processing workflow Runs natively on ISO 20022, ISO 8583, FIN, XML Path

Automated management of Financial Action Task Force - GAFI Manages SEPA schemes H24/7 Days a week Flow Manager Direct connection to the networks ACH Features Cash Management/Pooling (optional) Cash-to-Cash operations (optional)

PSH Business Benefits Reduction in operating costs Increase in transaction volume Competitive advantage as PSHtechnology will drive revenue

Faster time-to-market for new payment products

Extensive increase in STP processedpayments

Move towards a customer centric system Prevention of message loss and duplicates

Ensuring payments to comply with international regulations

For the 2nd consecutive year, Deutsche Bank awarded Banco Popolare running UniPay with:2013 EUR STP Excellence Award For Exceptional quality of payment messages

Business Drivers Either the bank’s modernization path is driven by strategic, business or technolo-gical motivation, UniPay is providing the solution to enhance service delivery and multi-channel access, to well organize IT operations and reduce reconciliation load and to put forward suitable new expanding payment services.

Business Channels Front-End Landing Zone

Business Channels Connectivity

InteractiveChannels

Push-Through Channels

Credit TransfersInternational, RTGS, FIN, SEPA

Cover PaymentsInternational, FIN

Direct DebitsInternational, RTGS, FIN, SEPA

Cards Repair Charges Our Charges

Bank Directory Plus Correspondent Banks Standard Settlement Instr. Indirect Banks Currency Cut-Off Holiday File Time Zone File

UniPay Service LayerPAYMENTS INTELLIGENT ROUTING

Common Shared Services System Admin & Parameterization Workflow Business Process Mgmt Authorization / Edit / Repair

Embedded Scheduler Inquiries / Folder /Tracking Terms & Conditions

BRANCHES UniPay WEB Application Back Office Internal Offices

BIG CORPORATE

Remote Banking Proprietary Formats

CUSTOMERS BANKS

Internet - Mobile SWIFT Net

Indirect Banks Net External Services

Regulatory&

Compliance

GAFI-FATF Black List Embargo AML Investigation General Ledger Accounting Statistics Reconciliation

General Registry Current Account Correspondent Account Logical Security

Fee & Charges World Check SWIFT Ref Credit Limit

Legacy System Applications

Net

wor

k C

onne

ctiv

ity

RTGS

ACH

Indirect Banks Net

SWIFT Net

FTP

SWIFT Network

Middleware Application

General Ledger Data Warehouse

Audit AML

Repository

Downstream

The Payments hubs are turning out to be the primary architecture in the payments industry today.The payment infrastructure in banks became over the years more and more complex and fragmented. Most banks have different systems for payment in-struments maintaining different links with settlement mechanisms.Having a diversity of transactions type, instruments, standards and channels is forcing the banks to strug-gle managing this assortment with lack of sufficient visibility and monitoring, with limited flexibility to intro-

duce new mechanisms and payment products in an aggressive time-to-market and with growing IT costs and issues spread over different systems.At the same time, banks are compelled to comply with international regulations for Anti-Money Laundering, sanctions screening andanti-fraud and with payment integration initiatives like the European SEPA or others.

International payments evolving markets and requirements

Growing number of payments transactions type and increased volume

Flexibility to deal with International changing regulations and standards

Intricacy to integrate new channels and to adopt new technologies

Lack of consolidated monitoring for transactions across channels and instruments

Launch of new payments products in speedy time-to-market

Data aggregation from different systems enabling risk management, data analytics and cross-selling

Enhancement of payments visibility Cost reductions and efficiency

Kafi Banking Software LLC – KBS is a subsidiary of Enterprise Spa specialized in the design, development, implementation and support of a wide range of systems and software applications for banks and financial institutions.

Challenge

UniPay is the implementation of an architectural vision of a comprehensive Payment Services Hub breaking new ground of payment architecture.

UniPay is the Payment Services Hub (PSH) that forms the heart of all payments activity in the bank.UniPay is a centralized hub designed to process any payment of any instrument type coming from all payment mechanisms in a single platform.UniPay is developed using the best-of-breed technology with a modern architecture SOA compliant delivering all the functionalities as services available to the hub itself and to other areas of the bank.

UniPay CharacteristicsUniPay provides an innovative payments engine of-fering end-to-end payments processing, delivered as services, throughout the entire lifecycle of a payment transaction.

UniPay Manages all types of payments: single or mul-tiple, temporary or permanent, urgent or normal, con-ditioned, large amounts, SCT, SDD.

UniPay features a dynamic workflow engine for pay-ments process management customizable and ca-pable to add new business services and multiple inte-gration points with existing legacy system.UniPay provides apposite security, access control au-dit trails, monitoring and alerting capabilities.UniPay provides also for validation, compliance, re-pairs and storing of payment transactions.As optional modules, UniPay provides for cash man-agement and cash pooling operations in addition to the capabilities to manage cash-to-cash payments and related functions.

Modular and Service Oriented (SOA) High transactions volumes High parameterization level User’s Rules driven Clearing Engine Multi-language Multi bank Multi channel Multi currency Standard Message Formats natively supported Capability to integrate Proprietary Message Format

Single Message and Bulk On line and Batch processing workflow Runs natively on ISO 20022, ISO 8583, FIN, XML Path

Automated management of Financial Action Task Force - GAFI Manages SEPA schemes H24/7 Days a week Flow Manager Direct connection to the networks ACH Features Cash Management/Pooling (optional) Cash-to-Cash operations (optional)

PSH Business Benefits Reduction in operating costs Increase in transaction volume Competitive advantage as PSHtechnology will drive revenue

Faster time-to-market for new payment products

Extensive increase in STP processedpayments

Move towards a customer centric system Prevention of message loss and duplicates

Ensuring payments to comply with international regulations

For the 2nd consecutive year, Deutsche Bank awarded Banco Popolare running UniPay with:2013 EUR STP Excellence Award For Exceptional quality of payment messages

Business Drivers Either the bank’s modernization path is driven by strategic, business or technolo-gical motivation, UniPay is providing the solution to enhance service delivery and multi-channel access, to well organize IT operations and reduce reconciliation load and to put forward suitable new expanding payment services.

Business Channels Front-End Landing Zone

Business Channels Connectivity

InteractiveChannels

Push-Through Channels

Credit TransfersInternational, RTGS, FIN, SEPA

Cover PaymentsInternational, FIN

Direct DebitsInternational, RTGS, FIN, SEPA

Cards Repair Charges Our Charges

Bank Directory Plus Correspondent Banks Standard Settlement Instr. Indirect Banks Currency Cut-Off Holiday File Time Zone File

UniPay Service LayerPAYMENTS INTELLIGENT ROUTING

Common Shared Services System Admin & Parameterization Workflow Business Process Mgmt Authorization / Edit / Repair

Embedded Scheduler Inquiries / Folder /Tracking Terms & Conditions

BRANCHES UniPay WEB Application Back Office Internal Offices

BIG CORPORATE

Remote Banking Proprietary Formats

CUSTOMERS BANKS

Internet - Mobile SWIFT Net

Indirect Banks Net External Services

Regulatory&

Compliance

GAFI-FATF Black List Embargo AML Investigation General Ledger Accounting Statistics Reconciliation

General Registry Current Account Correspondent Account Logical Security

Fee & Charges World Check SWIFT Ref Credit Limit

Legacy System Applications

Net

wor

k C

onne

ctiv

ity

RTGS

ACH

Indirect Banks Net

SWIFT Net

FTP

SWIFT Network

Middleware Application

General Ledger Data Warehouse

Audit AML

Repository

Downstream

N E W I D E A S F O R B A N K I N G

The straight-thinking Payment Services Hub

N E W I D E A S F O R B A N K I N G

UniPay

Rome Headquarters

Viale Egeo, 55/5700144 Rome ItalyPh. +39.06.523891www.ent4bank.it

Milan Branch

Viale Piceno, 1620129 Milan Italy

Turin Branch

Corso Ferrucci, 77/1010138 Turin Italy

Kafi Banking Software FZ.LLCOffice 1808Al Thuraya Tower IDubai Media CityP.O. Box 73000, Dubai, U.A.E.Ph. +971 (0) 4 375 4984/5/6Fax +971 (0) 4 552 10 72www.kbsemirates.com

UP

V 2

.0

Payments go Fast

UniPay sponsor of winners

sharing our expertisein banking software

References