In today’s ever-evolving banking landscape, the need for seamless integration and enhanced functionality without the disruption of core banking systems is paramount. Middleware solutions have emerged as a vital bridge between different core technologies and new applications, offering an alternative for institutions hesitant to replace or convert their core systems. Particularly appealing to banks heavily invested in legacy infrastructure, middleware solutions mitigate the risks associated with change while facilitating future migrations. As the banking industry shifts towards greater innovation and adaptability, the integration of middleware layers has become increasingly popular, offering a strategic pathway for institutions to extend their core systems’ capabilities while preparing for future advancements.
The PCES UNITY – All-in-one digital suite, provides a modular framework designed to seamlessly integrate third-party platforms with the core banking system. With a focus on diversity and accessibility, UNITY empowers financial institutions to offer a wide range of services through various channels, ensuring a seamless and comprehensive banking experience for their customers.
UNITY facilitates smooth integration between various core banking systems and newer applications, allowing institutions to adopt new technologies without disrupting existing operations.
UNITY offers enhanced functionality, enabling institutions to improve their services, processes, and customer experiences without the need for extensive modifications to core systems.
UNITY helps mitigate the risks associated with system changes by providing a layer of abstraction between different technologies. This reduces the likelihood of disruptions or failures during migration or upgrades.
By bridging the gap between old and new technologies, UNITY prepares institutions for future advancements in the banking industry. It allows them to adapt to evolving trends and requirements without complete overhauls of their infrastructure.
Digitalization is transforming businesses at an unprecedented pace, and the financial industry is no exception. While it offers numerous benefits, In the financial sector’s journey toward digital transformation, the initial step is critical and often sets the tone for the entire voyage. Before diving into the vast sea of technological innovations, it’s essential for institutions to plot their course with precision and insight.
UNITY integrates effortlessly with existing Core Banking Systems (CBS), establishing a layer that enhances functionality without disrupting the core infrastructure. This integration offers a streamlined approach to deploying additional platforms and services, reducing dependence on the CBS for every rollout.
With capabilities ranging from WhatsApp Chatbots to internet banking applications, UNITY enables financial institutions to expand their service offerings across various channels at a fraction of the cost. This versatility allows institutions to adapt and grow their digital footprint according to market demands and customer preferences.
The UNITY software simplifies user interface management, offering tools for onboarding bank staff, creating user roles, and managing customer contracts seamlessly. This streamlined approach enhances operational efficiency and ensures a consistent user experience across all channels.
UNITY empowers institutions to extend and customize their banking services according to evolving needs. From USSD functionalities to agent onboarding for agency banking, the platform provides a flexible framework for adapting to changing customer expectations and market dynamics.
UNITY offers a comprehensive Digital KYC platform for customer onboarding, featuring both online and offline modes. From immediate biometric capture to remote account opening in areas without internet access, the platform ensures a smooth and efficient onboarding process tailored to each institution's unique requirements.
UNITY includes customizable reporting dashboards, allowing institutions to generate relevant reports based on their specific preferences and business requirements. By providing insights into customer behavior, transaction patterns, and operational performance, the platform empowers the institutions to make data-driven decisions.
UNITY – All-in-one digital suite is a ready to use layered software solution, enabling easy deployment and integration to any core banking system, regardless of size or background, enabling any financial institution to extend their current capability and reach their full potential.
Every institution is unique; thus, we strive to tailor UNITY – All-in-one digital suite to the unique characteristics of each institution, ensuring minimal disruption to existing processes. This approach ensures that the implementation of our software does not significantly alter the institution’s operations.
The most important layer of the platform is the Middleware, which serves as the gateway facilitating implementation of UNITY, platform for banks and MFI’s. Building a layer on top of the existing core banking system, the middleware utilizing pre-built connectors easily integrates to the CBS making a bridge between the core banking systems and the (all other modules). The Middleware is an extensive collection of modular tools, ranging from communication gateways, to management, security, notification and reporting tools. Following a single integration, all subsequent model rollouts are managed independently on our end, reducing reliance on the CBS.
Through UNITY, Banks and MFI’s have access to a comprehensive suite of digital tools for engaging with their staff and customers. The Service Hub layer is a centralized hub for all institution’s activities, spanning from central offices thru branches, while introducing and using innovative ways to connect with customers. From agent and customers onboarding, loans, payments, transfers, cards, opening accounts, mobile and internet banking, to emails, chats, customer service and more, every interaction is consolidated within a single platform. This empowers banking teams to monitor customer interactions, seamlessly manage end-users and create transactional workflows, strategize future campaigns, and identify emerging opportunities across the market aligned with their digital strategy.
Unquestionably, the future of banking lies in omnichannel services. By a multichannel strategy with focus on creating the best experience for the customer, UNITY transforms every interaction into a gratifying journey. Customers have the freedom to seamlessly transition between devices at any moment. From onboarding and account opening processes, money transfers and payments, to card and loan management, and even tax payment, every feature is easily accessible through UNITY’s Communication Chanel layer.
Enabling internet banking via internet-based application or across a spectrum of devices or using Telegram, WhatsApp and Viber chatbots, even USSD basic version, UNITY ensures customers accessibility and offering new ways for engagement
As a dependable digital banking platform, UNITY thrives within an expanding network of partners, offering complementary technologies to empower every financial institution with cutting-edge solutions. The UNITY API Gateway allows seamless integration of third-party solutions, paving the way for banks and MFI’s to embark on an endless journey of innovation.
Middleware is software that acts as an intermediary between different applications, systems, or components, facilitating communication and data exchange.
Middleware typically uses APIs (Application Programming Interfaces) to enable interoperability between disparate systems. It translates requests and responses, ensuring seamless communication between applications.
Middleware offers numerous benefits, including improved integration between systems, enhanced scalability, reduced complexity in application development, and increased flexibility in adapting to changing business needs.
Middleware and APIs are related but serve different purposes. Middleware acts as a communication bridge between systems, while APIs define the methods and protocols for accessing and interacting with specific functionalities or data within an application or system.
While middleware can greatly benefit businesses by improving integration and communication between systems, its necessity depends on the complexity of the business operations, the scale of IT infrastructure, and the need for interoperability between different applications or systems.
Middleware can facilitate the integration of legacy systems with newer technologies and applications, allowing businesses to leverage existing investments while adopting modern solutions. It can also help mitigate risks associated with legacy system migrations by enabling gradual transitions and interoperability.
Businesses should consider factors such as compatibility with existing systems, scalability, ease of integration, vendor support, security features, and cost-effectiveness when selecting a middleware solution. Conducting thorough research and evaluating different options based on specific business requirements is essential for making an informed decision.
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