Solution Highlights
Multi-currency and Multi-CSM
Montran’s GPH is a multi-currency payment and settlement system, allowing the bank to process transactions supported by a wide range of clearings such as: Target2, EBA Step1 and Step2, Equens, CHAPS, Faster Payments, TIPS, RT1, Bundesbank RPS, CHIPS, FedWire, local RTGS and ACH systems as well as local Instant schemas.
Supports ISO and all Major Financial Formats
Montran is the first payments application vendor self-certified for the processing of the new ISO20022 format for SWIFT cross-border payments. The application is ISO native and supports all major financial formats such as SWIFT FIN, pain, pacs and camt messages and any local proprietary formats. The system supports various protocols including APIs (REST, SOAP), queue-based (e.g., IBM MQ, Kafka), file-based (e.g., shared directories, SFTP), etc.
Included Customer Billing and Charges Module
The Module provides an automatic calculation of charges and billing. The key feature of this module is its flexibility. Statement production can be customized to both bank and individual customer requirements.
Some of the included features are:
- Real-Time or Periodical Charges Settlement
- Multiple Charges
- Charges Calculation
- Flexible Charges Rate
Rule Based Payment Type Determination and routing of messages and files
GPH includes a very flexible rule engine used for flow control as well as payment type determination.
Real-time Monitoring, Reporting and Control of Liquidity
GPH offers a wide range of monitors which help the bank control their position in relation to each of the clearings. All information is updated in real-time with no delays. Cap limits maintenance for each of the clearings is available, allowing the bank to control their outgoing funds.
Flexible and Scalable Architecture
GPH is a pure Java application, using IP-based communication and web based thin-client interface.
Security
Provides high-level, sophisticated security mechanisms that are approved and certified by central banks and industry organizations.
Benefits
EFFICIENT AND HIGH STRAIGHT-THROUGH-PROCESSING
GPH reduces operational costs and increases throughput by maximizing the rates of STP, enhancing the quality of received messages with the techniques evolved over decades of international experience. Montran Users can expect the highest possible STP rates.
BETTER FUNDS MANAGEMENT CONTROL
Montran’s liquidity management tracks positions throughout the day in real-time. Interoperable with payment and communication data, this module provides immediate access to global currency position information, and controls payment scheduling, routing and re-routing in accordance with procedures specified by the bank.
ROBUST FUNCTIONALITY TO IMPROVE OPERATIONAL EFFICIENCY
By integrating multiple payment-related applications into one central hub, Montran’s Global Payments Hub eliminates the costs and overhead of supporting multiple installations. GPH also reduces risk exposure by providing consolidated views of the bank’s position while improving the quality of customer service; making the competitive difference.