DIGITAL SOLUTIONS -Connected Banking

Unified Banking Connectivity for the Digital Era

Connect every banking channel, partner system, and financial network through a single intelligent middleware platform — enabling real-time transactions, open banking APIs, and enterprise-grade interoperability.

Talk to Expert →
0%
System Uptime SLA
0M+
API Transactions / Day
<80ms
Average API Response Time
0+
Partner Integrations
Live API Throughput
2.8M/day
Connected Banking Platform
Connected Banking Command Centre · Live All Systems Operational
99.99%
Uptime
2.8M
API Calls Today
150+
Partners Live
API Transaction Volume — Last 24 Hours
🔵 RTGS Settlement — ₹4.2Cr batch processed successfullyLive
🟢 UPI Transaction — 12,847 transactions/min · All clearActive
🔷 Open Banking API — 3 new fintech partners onboardedUpdated
API Response Time
<80ms
p99 latency · All endpoints
Integrated with
RTGS / NEFT·SFMS / SWIFT·UPI 2.0·IMPS·NACH / e-NACH·NPCI APIs·RBI UDGAM·Core Banking Systems·Open Banking APIs·FinTech Aggregators· RTGS / NEFT·SFMS / SWIFT·UPI 2.0·IMPS·NACH / e-NACH·NPCI APIs·RBI UDGAM·Core Banking Systems·Open Banking APIs·FinTech Aggregators
What is Connected Banking

One Platform. Every Banking Channel. Infinite Possibilities.

Connected Banking is the enterprise middleware backbone that unifies mobile banking, internet banking, UPI, RTGS/NEFT/SWIFT, open banking APIs, and partner fintech integrations — enabling seamless, real-time banking operations at scale.

🔗
Universal Banking Connectivity
Connects every banking channel and payment network — RTGS, NEFT, SFMS, SWIFT, UPI, IMPS, NACH — through a single, intelligent middleware layer with unified message transformation.
⚡
Real-Time Transaction Processing
Sub-80ms API response times with event-driven architecture supporting 2.8M+ transactions daily. Built for peak banking loads with zero downtime during high-traffic windows.
🌐
Open Banking API Platform
AA (Account Aggregator) framework compliant open banking APIs enabling secure data sharing with RBI-registered fintechs, payment aggregators, and digital lending platforms.
🔒
Enterprise-Grade Security Fabric
OAuth 2.0, mTLS, API key management, rate limiting, and end-to-end encryption securing every integration point — meeting RBI IT Framework and CERT-In mandates.
🤖
AI-Powered Monitoring & Intelligence
Continuous AI monitoring of transaction patterns, anomaly detection, predictive scaling, and real-time alerting — ensuring banking operations run at peak performance 24/7.
Legacy Integration vs. Connected Banking
Legacy Approach
Point-to-point channel silos
Days to onboard new partners
Manual reconciliation processes
No real-time monitoring
Proprietary locked-in formats
No open banking capability
High maintenance overhead
No unified API management
Connected Banking
Unified middleware for all channels
Partner onboarding in hours
Automated reconciliation
Real-time AI monitoring
Standards-based ISO 20022
AA-framework open banking APIs
Plug-and-play architecture
Centralised API gateway
End-to-End Workflow

The Connected Banking Transaction Flow

From customer initiation to final settlement — every transaction processed through a secure, monitored, and fully integrated banking pipeline.

1📱
Customer Channels
Mobile, internet banking, UPI, USSD, and branch — all unified
2🚪
API Gateway
Authentication, authorisation, rate limiting and routing
3⚙️
Middleware / ESB
Message transformation, orchestration, and protocol conversion
4🏦
Core Banking
Account processing, ledger updates, and balance management
8📊
Analytics Dashboard
Real-time monitoring, anomaly detection and executive reporting
7✅
Reconciliation & Audit
Auto-reconciliation, settlement confirmation and audit logs
6🔗
Partner Systems
FinTech integrations, NPCI, RBI, SWIFT network connections
5📡
Event Streaming
Kafka-based real-time event bus feeding all downstream systems
System Architecture

Enterprise Banking Architecture

A layered, cloud-native banking architecture connecting every digital channel to every payment network — with AI-powered monitoring at every tier.

📱 Customer Channels
📱 Mobile Banking
💻 Internet Banking
👛 Digital Wallets
📲 UPI Apps
🏧 ATM / Kiosk
🏢 Branch / POS
▼ Secure HTTPS / OAuth 2.0
🚪 API Gateway Layer
🔐 Auth & Identity (mTLS)
⚡ Rate Limiting & Throttling
🌐 API Versioning
📋 API Analytics
🛡️ WAF & DDoS Protection
▼ Internal Service Mesh
⚙️ Middleware / ESB
🔄 Message Transformation
🔀 Protocol Conversion
📨 Orchestration Engine
📡 Event Streaming (Kafka)
🔁 Saga / Choreography
▼ ISO 20022 / Proprietary Adapters
🏦 Banking Services
🏦 Core Banking (CBS)
💳 Payment Processing
📊 Trade Finance
🔐 Treasury Management
📋 Lending Systems
▼ Secure Leased Line / VPN
🌐 External Networks
🏛️ RBI RTGS / NEFT
💸 NPCI (UPI / IMPS)
🌍 SWIFT Network
📄 SFMS (RBI)
🤝 FinTech Partners
🔗 Account Aggregators
Open Banking Ecosystem

Enabling Open Banking & API-First Innovation

Build and deploy open banking APIs compliant with RBI Account Aggregator framework, enabling secure financial data sharing and next-generation fintech partnerships.

🌐
Open Banking API Platform
A fully RBI Account Aggregator (AA) framework compliant open banking platform that enables secure, consent-driven financial data sharing between banks, NBFCs, and registered FinTechs. Supports RESTful APIs, webhooks, and event-driven data flows — with complete audit trails and customer consent management built-in.
AA Framework CompliantOAuth 2.0 PKCEConsent ManagementWebhook SupportISO 20022
Platform Live — 150+ Active API Integrations
🔌
FinTech Integration Hub
Pre-built connectors for 50+ RBI-registered fintechs, payment aggregators, digital lending platforms, and BNPL providers. API-first onboarding with sandbox environments, developer portals, and SLA monitoring dashboards.
50+ Pre-Built ConnectorsSandbox EnvironmentDeveloper Portal
47 FinTechs Connected
💸
Payment Network Gateway
Unified gateway to all major Indian payment networks — RTGS, NEFT, IMPS, UPI, NACH, and SWIFT. Single integration point with automatic failover, retry logic, and real-time settlement confirmation across all channels.
RTGS/NEFT/IMPSUPI 2.0SWIFT MT/MX
₹4.2Cr+ Settled Today
📱
Digital Channel APIs
Comprehensive API suite for mobile banking apps, internet banking portals, chatbots, and voice banking integrations. Supports SDK delivery, white-label components, and headless banking architectures for rapid digital product launches.
Mobile SDKHeadless APIsWhite-label
12M+ End Users Served
📊
AI-Powered API Analytics
Real-time API traffic analytics, latency dashboards, partner performance scoring, and predictive capacity planning — powered by machine learning for proactive issue resolution and SLA enforcement.
ML Anomaly DetectionSLA EnforcementPredictive Scaling
AI Monitoring Active 24/7
🔒
API Security & Governance
Zero-trust API security with mTLS, JWT validation, API key rotation, secrets management, and real-time threat detection. Full API lifecycle governance from design to deprecation with automated policy enforcement.
Zero TrustmTLSPolicy Engine
Zero Security Breaches
API Management Layer

Enterprise API Gateway Architecture

A high-performance API gateway handling 2.8M+ daily transactions with sub-80ms latency — built for Indian banking scale and regulatory compliance.

📡 Live API Performance Dashboard
2.8M
API Calls Today
99.97%
Success Rate
<80ms
p99 Latency
150+
Active Partners
API Traffic — Last 8 Hours
Total Requests Successful
Response Time by Endpoint
RTGS / NEFT42ms
UPI Transactions67ms
Account Enquiry28ms
Open Banking API78ms
🚪
Intelligent API Routing
Smart load balancing and routing across banking microservices with circuit breaker patterns, automatic failover, and traffic shaping — ensuring zero downtime during peak banking hours.
🔐
API Security Enforcement
OAuth 2.0 / OpenID Connect, mTLS certificate pinning, API key lifecycle management, and real-time threat detection — every API call validated before reaching banking core.
📊
Real-Time API Analytics
Per-partner, per-endpoint traffic dashboards with latency percentiles (p50/p95/p99), error rate tracking, SLA breach alerts, and historical trend analysis for capacity planning.
🔄
Message Transformation Engine
Real-time ISO 8583 ↔ ISO 20022 ↔ JSON transformation with schema validation, canonical data model mapping, and error handling — eliminating point-to-point integration complexity.
⚡
Event-Driven Architecture
Apache Kafka-based event streaming with guaranteed message delivery, exactly-once semantics, and event replay — enabling real-time data synchronisation across all connected banking systems.
🤖
AI-Powered Anomaly Detection
ML models continuously monitor API traffic patterns, detect unusual transaction behaviours, predict capacity requirements, and auto-scale infrastructure — proactively preventing service disruption.
Core Platform Modules

Complete Connected Banking Suite

Eight enterprise-grade modules delivering end-to-end banking connectivity — from customer channels to core banking to partner ecosystems.

Core Platform
🔗
Banking Middleware (ESB / iPaaS)
The central nervous system of connected banking. A fully managed Enterprise Service Bus handling all message routing, transformation, orchestration, and protocol conversion between banking channels, core banking systems, and external payment networks. Supports SOAP, REST, ISO 8583, ISO 20022, SWIFT MT/MX, and proprietary CBS formats.
ISO 8583 / 20022SWIFT MT/MXEvent StreamingCircuit BreakerSaga Pattern
Processing 2.8M+ Transactions Daily
📲
Digital Channel Hub
Unified backend powering mobile banking, internet banking, UPI apps, chatbots, and IVR — with a single API layer delivering consistent, real-time banking experiences across every customer touchpoint.
Mobile BankingInternet BankingUPI Integration
12M+ Active Users
💸
Payment Network Connector
Pre-certified connectors to RTGS, NEFT, IMPS, UPI, NACH, and SWIFT — with automated message formatting, settlement tracking, and real-time confirmation delivery back to originating channels.
RTGS/NEFTSWIFTUPI 2.0
₹4.2Cr+ Settled Today
🏦
Core Banking Adapter
Universal CBS adapters for Finacle, BankFlex, Temenos T24, Oracle FLEXCUBE, and custom core banking systems — abstracting CBS complexity and enabling faster digital innovation above the core.
FinacleT24FLEXCUBE
8 CBS Flavours Supported
🤝
Partner Onboarding Portal
Self-service developer portal with API documentation, sandbox environments, API key management, partner SLA dashboards, and guided onboarding workflows — reducing partner time-to-production from weeks to hours.
Dev PortalSandboxSLA Dashboard
New Partners Live in <4 Hours
📡
Event Streaming Platform
Apache Kafka-based real-time event bus with exactly-once delivery guarantees, multi-DC replication, and event replay capability — enabling real-time synchronisation across all connected banking systems and analytics pipelines.
Apache KafkaEvent ReplayMulti-DC
50M+ Events Streamed Daily
Live Banking Analytics

Real-Time Banking Intelligence Dashboard

A Stripe-grade analytics dashboard giving bank operations teams and CXOs complete visibility into transaction flows, partner health, and system performance — all in real time.

INNOTECH AI · Connected Banking Platform · Live Operations Centre
📊 Overview
💸 Transactions
🚪 API Gateway
🤝 Partners
🔒 Security
⚡ Performance
📋 Reports
⚙️ Settings
99.99%
Uptime SLA
2.8M
API Calls Today
150+
Partners Live
99.97%
Success Rate
Transaction Volume Trend · Real-Time · Last 6 Hours
Payment Channel Performance
UPI Transactions99.98%
RTGS / NEFT100%
NACH Processing99.92%
Open Banking APIs99.87%
Live Activity
RTGS Settlement Batch
₹4.2Cr processed · All confirmed
UPI Peak Traffic
12,847 TPS · Well within limits
New FinTech Partner
Paytm API integration live
SWIFT Acknowledgment
MT103 messages confirmed
AI Anomaly Check
No anomalies detected · Clear
System Health
99.99%
Platform uptime
<80ms
Average API latency
150+
Partners actively connected
Partner Ecosystem

A Rich Partner Ecosystem Ready to Connect

Pre-built integrations with India's entire financial ecosystem — payment networks, regulators, core banking systems, and fintech partners — ready to connect in hours, not months.

🏛️
Payment Regulators
Direct certified connections to NPCI, RBI payment systems, and SFMS messaging platform.
RBI Certified
🌍
SWIFT Network
Full SWIFT connectivity for cross-border payments with MT/MX message format support and GPI tracking.
SWIFT Member
🏦
Core Banking Systems
Native adapters for Finacle, T24, FLEXCUBE, BankFlex, and custom CBS implementations — no heavy customisation needed.
8 CBS Supported
💳
Card Networks
Visa, Mastercard, RuPay integration for debit/credit card processing, fraud detection, and dispute management.
All Networks
⚡
FinTech Partners
50+ RBI-registered fintechs, payment aggregators, BNPL providers, and digital lenders connected via open APIs.
50+ Partners
🔗
Account Aggregators
AA framework integrations with CAMS, NSDL, and other RBI-licensed account aggregator entities for open banking.
AA Licensed
📡
Telecom / USSD
USSD, SMS banking, and IVR integration for feature-phone banking — extending digital reach to Bharat customers.
Bharat Ready
🏢
Government Portals
PFMS, DBT, DigiLocker, GSTN, and Aadhaar-based eKYC integration for government banking and subsidy management.
PFMS / DBT
Enterprise Security

Banking-Grade Security & Reliability

Every layer of Connected Banking is secured to financial-grade standards — meeting RBI IT Framework, CERT-In, ISO 27001, and PCI-DSS requirements with zero compromise.

🔐
Zero-Trust Network Architecture
Every API call and service communication verified, authenticated, and encrypted — no implicit trust granted, even within the internal banking network perimeter.
🛡️
RBI IT Framework Compliance
Full alignment with RBI guidelines on Information Technology (IT) governance, risk management, cyber security framework, and business continuity planning.
🔒
End-to-End Message Encryption
AES-256 encryption for data at rest, TLS 1.3 for data in transit, and application-level signing for all payment messages across RTGS, SWIFT, and UPI channels.
👁️
Real-Time Fraud Detection
ML-powered transaction monitoring with configurable rule engines detecting anomalous patterns, velocity checks, and cross-channel fraud signals in under 50ms per transaction.
📋
Immutable Audit Logs & DR
Tamper-proof audit trails for every API call and transaction with geo-redundant disaster recovery, sub-4-hour RTO, and 15-minute RPO across primary and secondary data centres.
⏱ System Uptime & Performance SLAs
99.99
%
Platform uptime guarantee — 4-nines SLA across all critical banking components
API Gateway
100%
RTGS Connector
100%
UPI Processing
99.98%
SWIFT Network
100%
Event Streaming
99.99%
Open Banking APIs
99.97%
Business Benefits

Measurable Banking ROI

Connected Banking delivers quantifiable value from day one — accelerating digital transformation, reducing integration costs, and enabling new revenue streams through open banking.

70%
Reduction

Lower Integration Development Cost

Pre-built connectors eliminate bespoke development for every new channel or partner — reducing integration TCO by 70% versus custom point-to-point builds.

10×
Faster

Faster Time-to-Market

Launch new banking products and partner integrations 10× faster using pre-certified API connectors, sandbox environments, and standardised integration patterns.

99.99%
Uptime

Four-Nines Availability Guarantee

Geo-redundant architecture with automated failover and circuit breaker patterns ensure banking operations run at 99.99% availability — protecting every rupee of transaction revenue.

150+
Partners

Instant Access to Partner Ecosystem

150+ pre-integrated fintechs, payment networks, and government portals — activate new partnerships in hours, not months of custom integration work.

3×
Revenue

Open Banking Revenue Opportunities

Monetise banking data through AA-compliant open APIs — enabling new revenue streams from lending, insurance, and wealth management partnerships.

Before & After Connected Banking
Legacy State
Siloed point-to-point connections
Months to onboard new partners
Manual reconciliation required
No real-time monitoring
Custom code per integration
Proprietary CBS lock-in
No open banking capability
Reactive issue resolution
Limited API analytics visibility
Connected Banking
Unified middleware for all channels
Partners live in <4 hours
Automated reconciliation
Real-time AI monitoring
Standard connectors, zero custom code
CBS-agnostic universal adapter
Full AA-framework open banking
Proactive AI anomaly detection
Complete per-partner analytics
Get Started Today

Connect Your Bank to the Digital Future

Deploy Connected Banking and unify every channel, partner, and payment network — transforming your bank into a fully digital, API-first financial institution in record time.

Talk to Integration Experts