The complete FinTech infrastructure stack
BTS delivers six integrated capability areas covering every layer of a bank's digital and payment infrastructure — from mobile banking applications through to the transaction switch and AI-powered operations layer.
Modern banking experiences across every digital channel
BTS delivers the full stack of digital banking capabilities — from the mobile application through to the core integration layer — so banks can offer competitive digital products without rebuilding from scratch.
Mobile Banking
Full-featured mobile banking applications with real-time account management, payments, and card controls.
- Real-time balance, transaction history, and statements
- Funds transfers: intra-bank, inter-bank, and international
- Card management: freeze, unfreeze, limits, and virtual cards
- Bill payment and scheduled payment automation
- + 2 more capabilities
Digital Wallets
Tokenized digital wallet platform supporting tap-to-pay, QR codes, and scheme token provisioning.
- Apple Pay and Google Pay token provisioning
- QR code payment generation and acceptance
- Peer-to-peer transfers and split payment flows
- e-Voucher top-up and redemption
- + 2 more capabilities
Card Management Systems
End-to-end card lifecycle management: issuance, personalization, PIN management, and scheme connectivity.
- Card issuance and instant card printing at branch or kiosk
- EMV chip and magnetic-stripe personalization
- PIN management: set, change, and unblock flows
- Card status management: activation, blocking, replacement
- + 3 more capabilities
The switching and acceptance layer for high-volume payment networks
BTS payment infrastructure handles transaction routing, authorization, and settlement for EFT POS estates, payment gateway flows, and ISO 8583 switching — at the throughput and availability levels banks require.
EFT POS Solutions
PCI-grade POS terminal integration with remote fleet management, mPOS, and EMV certification.
- Secure PCI-PTS compliant POS terminal integration
- Remote POS fleet management and monitoring via TMS
- mPOS: SoftPOS and Bluetooth card-reader solutions
- EMV L1/L2/L3 certification consulting
- + 3 more capabilities
Payment Gateway Solutions
Multi-channel payment gateway for online, mobile, and in-app acceptance with full scheme connectivity.
- REST API and hosted-page integration for e-commerce
- In-app SDK for mobile payment acceptance
- Visa, Mastercard, and local card scheme connectivity
- 3DS2 authentication and fraud scoring integration
- + 3 more capabilities
ISO 8583 Switching
High-availability transaction switch with ISO 8583 / NDC+ message transformation and HSM-backed PIN security.
- High-availability active-active switch cluster
- ISO 8583 message transformation (1987, 1993, 2003 dialects)
- NDC+ protocol support for ATM networks
- Rule-based routing with priority failover
- + 3 more capabilities
Automated banking channels that operate 24/7 without teller intervention
From ATM networks to full-service branch kiosks, BTS delivers the hardware integration, software, and TMS infrastructure that keeps self-service banking channels online and serving customers around the clock.
ATM Solutions
ATM deployment, transaction routing, and full terminal lifecycle management for bank ATM networks.
- Multi-vendor ATM integration (Diebold, NCR, Hyosung)
- Cash dispensing, deposit, and cardless withdrawal flows
- ISO 8583 and NDC+ host connectivity
- Remote key injection (RKI) and HSM integration
- + 3 more capabilities
Self-Service Kiosks
Hardened kiosk platforms for bill payment, card issuance, biometric enrolment, and branch automation.
- Bill payment, utility top-up, and e-voucher distribution
- Instant card issuance with chip personalization
- Biometric enrolment: fingerprint and palm vein
- Account opening and KYC document scanning
- + 3 more capabilities
Terminal Management System (TMS)
Centralized platform for remote management of POS, ATM, and kiosk fleets across the entire estate.
- Remote configuration and parameter management
- Signed software distribution with staged roll-out
- Remote key injection (RKI) over TLS-secured connections
- Real-time device health monitoring and alerting
- + 3 more capabilities
Connecting payment channels to core banking and enterprise systems
BTS integration services connect our payment infrastructure to the core banking platforms, notification systems, and enterprise applications that banks already operate — without requiring banks to replace existing investments.
Core Banking Integration (T24, Finestra & FLEXCUBE)
Pre-built connectors and integration services for Temenos T24, Finastra Finestra, Oracle FLEXCUBE, and other major core banking platforms.
- Temenos T24 / Transact connector library
- Finastra Finestra integration
- Oracle FLEXCUBE integration
- Real-time balance and transaction enquiry APIs
- + 4 more capabilities
Notification & Messaging Platforms
Real-time transaction notification delivery across SMS, email, push, and in-app channels.
- Transaction SMS and email alerts with configurable templates
- Push notification delivery for mobile banking apps
- OTP generation and delivery for step-up authentication
- Multi-channel fallback: push → SMS → email
- + 3 more capabilities
AI capabilities embedded directly into the financial infrastructure
BTS AI capabilities are built into the infrastructure, not bolted on. They run inside the transaction path, the terminal estate, and the customer-facing channels — and they are designed to operate within a bank's existing security perimeter.
AI-Powered Financial Operations
End-to-end AI capabilities: behavioral authentication, document intelligence, fraud detection, predictive operations, and conversational banking.
- Behavioral biometrics and passive authentication in the transaction path
- Document RAG over product manuals, runbooks, and certification artifacts
- Real-time fraud and AML anomaly detection with explainable scores
- Predictive maintenance for ATM and kiosk estates
- + 3 more capabilities
Full AI Ecosystem documentation
Explore all seven AI capability areas, responsible AI posture, and deployment architecture.
Ongoing engineering support for the full BTS platform stack
BTS managed services teams remain embedded alongside bank operations for the life of each deployment — handling implementation, integration, patching, upgrades, and certification so bank IT teams can focus on their core business.
Professional & Managed Services
End-to-end implementation, integration, managed support, training, and advisory from engineers who built the platform.
- End-to-end project implementation and program management
- System integration and data migration
- Application support, patches, and version upgrades
- Training and knowledge transfer for bank operations teams
- + 3 more capabilities
Ready to modernize your payment infrastructure?
Talk to our solutions team about your requirements.