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Banking Industry Solutions

Banks

For more than 35 years, we have supported our banking clients as a reliable partner in their digital transformation. Our focus is on connectivity to the Deutsche Bundesbank and—since 1998—to the European Central Bank (ECB) and its services for processing euro payments. Since 1997, we have also been offering modern communication solutions based on the global SWIFT standard as a certified service bureau.
Image of an old Bank

Key services:

Our key current services based on the ISO 20022 XML structure include the Bundesbank's SEPA clearing service, TIPS (the ECB's instant payment scheme), and of course TARGET2, the backbone of European large-value payment processing.

A few names from our successful history in banking

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Secure and Future-Proof Payment Processing Across All Channels

The following areas show only a segment of the solutions our customers successfully use to expand their competitive position and offer services cost-effectively. With analysis and planning, implementation, and operation from a single source, we are an outstanding provider without friction losses.

The focus is on the continuous fulfillment of regulatory requirements, stable and scalable infrastructures, and the secure processing of all national and international payments – from cross-border payments to payment service directives.

SWIFT Service Bureau

Lower costs and complexity with higher quality and security by having EFiS, a long-standing, certified SWIFT Service Bureau, operate your SWIFT connection. EFiS also has corresponding services and implementation experience for taking over your SWIFT connection as a backup solution.

Learn more: EFiS as a SWIFT Service Bureau →

SWIFT Service Bureau
  • Provision of 24x7 SOC and POC and assumption of the Shared Security Officer role
  • Extensive services such as RMA, certificate management, user management
  • Certified SWIFT specialists and experience from countless migrations
  • Support for CSP audits by EFiS as a certified CSP auditor
  • All SWIFT services are supported: Traditional FIN messages, FileAct file exchange, FINPlus/InterAct workflows, and of course real-time Instant Payment communication via SwiftNet AGI.
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TARGET Services

TARGET forms the technical basis for European high-value payments.

We support connectivity, migrations, and stable operation in the TARGET ecosystem.

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TARGET Payments

Single Euro Payments Area (SEPA)

SEPA enables standardized Euro payments within Europe and is continuously being expanded.

We support banks in implementing regulatory adjustments, expanding the SEPA area, and meeting new requirements such as Instant Payments.

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SEPA Payment Processing Europe

National Clearing Systems

In addition to central euro payment schemes, EFiS also successfully supports national clearing systems as part of its overall concept.

National Clearing Systems

These include in particular:

  • Processing of UK bulk payments via BACS (Bankers' Automated Clearing System).
  • Connectivity to CHAPS (Clearing House Automated Payment System) for time-critical high-value GBP payments.
  • The leading Dutch electronic payment method iDEAL.
  • The real-time system SIC (Swiss Interbank Clearing), operated by the Swiss National Bank. We actively support our clients in the migration to SIC Instant.
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International Payments

ISO 20022 has established itself as the global standard. The EFiS platform provides end-to-end support for it, including the introduction of new processes based on the XML formats as well as migration paths, for example within the scope of the SWIFT roadmap.

This migration to ISO 20022 can present banks with technical and organizational challenges. We support institutions with the analysis, migration, and operation of ISO 20022-based payment processes – nationally and internationally.

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International Payments

EBICS in Corporate Banking

In Germany – and increasingly beyond – EBICS is the standard for the secure electronic exchange of payments between banks and companies.

Our clients benefit from our support with implementation, migration, key management, and the onboarding of corporate clients.

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EBICS in Corporate Banking with Banks

Transaction Controls and Fraud Prevention

Embargo, sanctions, and anti-fraud checks are essential for the regulatory compliance of every bank.

The highly integrated EFiS module TRXCC enables real-time detection, screening against a wide range of lists, and audit-proof documentation – all as part of the payment processing chain.

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Fraud Detection and Compliance

Digital Operational Resilience Act (DORA)

DORA obliges banks to design their IT systems, processes, and service providers to be resilient to disruptions and cyber risks.

As a trusted service provider, we support the implementation of regulatory requirements, risk analyses and risk reports, ICT strategies, and documentation at the required intervals.

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Digital Operational Resilience Act (DORA)

Business Continuity Management

BCM ensures that critical payment processes remain functional even in the event of disruptions.

A growing number of banking clients use our SWIFT service as a backup for their own infrastructure, for example, allowing them to switch over to EFiS smoothly in an emergency.

We support emergency concepts, restart plans, regulatory anchoring in IT and payment architectures, as well as the mandatory regular DR tests.

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Business Continuity Management