Unified Money Transfer System (UMTS)
One window for domestic and international money transfers.
Overview
UMTS lets financial institutions send and receive transfers across every major money-transfer system in a single window.
Ten leading transfer systems are integrated into UMTS, all operated through one interface — so staff learn a single workflow instead of ten, and configuration stays centralised.
Beyond the global networks, UMTS can run a domestic transfer system between an institution's own branches, and opens its services to internet bank, mobile bank, ATM and SMS-banking channels through a secured API.
Core Capabilities
Single-Window Operation
Process transfers for all supported systems from one screen — staff learn a single interface instead of ten separate ones.
Domestic & International
Run the world's major transfer networks and operate your own domestic system between branches — all from the same platform.
Centralised Configuration
Manage every integrated transfer system from one place, with certified modules kept current as each network updates its protocols.
Core & AML Integration
Integrates with the institution's core banking system and AML controls, with clearing, settlement and reconciliation built in.
Platform Features
10 major transfer systems integrated — the leading global networks, all available through one unified window.
Single workflow for staff — one interface across every system means faster training and fewer errors.
Domestic transfer system — run transfers between an institution's own branches alongside the international networks.
Secured API for any channel — extend transfers to internet bank, mobile bank, ATM and SMS-banking solutions.
Core & AML integration — connects to the institution's core banking system and anti-money-laundering controls.
Clearing & settlement module — built-in clearing, settlement and reconciliation for the financial institution.
Ten money-transfer systems, one platform
A dedicated, certified integration module for each network — online, offline and hybrid systems supported.
Reaches Every Channel
Internet bank — send and receive transfers directly from the online banking platform.
Mobile bank — full transfer capability inside the mobile banking application.
ATM & POS top-up — transfers and top-ups through unattended terminals and POS applications.
SMS banking — domestic transfers initiated through an SMS-banking solution.
One window. Every network. Built for institutions.