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TCH RTP Implementation & ISO 20022 Adapters

TCH RTP; ISO 20022; message adapters

CLIENTBanking implementation
FOCUSPayments modernization
APPROACHInnovation · Integration · Implementation
01 / BUSINESS CHALLENGE

The challenge

  • Connect legacy banking systems to real-time payments
  • Transform and validate ISO 20022 messages
  • Coordinate posting, acknowledgements and exceptions
02 / ENGINEERING RESPONSE

Our approach

  • RTP connectivity and message processing design
  • Reusable ISO 20022 transformation and validation adapters
  • Core banking, posting and reconciliation integration patterns
SOLUTION ARCHITECTURE

Connected payment capabilities

Conceptual architecture — not a depiction of the client's actual production environment.

Payment channelsFiles & APIsPayment initiationExternal networks
→
Payment servicesValidation & enrichmentRouting & orchestrationISO 20022 transformationException handling
→
Enterprise systemsCore bankingPosting & accountingReconciliation & reporting
03 / BUSINESS IMPACT

Outcomes and opportunities

✓Potential to enable real-time payments
✓Potential to improve message consistency and traceability
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