What is an integrated payments hub in banking?

An integrated payments hub is a centralized platform that brings together payment processing, bank connectivity, and financial messaging in one environment. It replaces siloed systems with a scalable foundation that supports real-time payments, ISO 20022 transformation, and corporate-to-bank integration. By unifying these capabilities, banks can standardize processes, reduce complexity, and gain better visibility across payment flows while preparing for evolving market and regulatory demands.

Why are banks adopting integrated payments hubs today?

Banks are adopting integrated payments hubs to simplify operations, reduce infrastructure costs, and scale more efficiently. Legacy systems create silos across SWIFT, compliance, and onboarding, which slows innovation and increases risk. A hub approach consolidates these capabilities into a single platform, enabling automation, faster onboarding, and improved data consistency. This helps institutions meet real-time payment demands while improving operational efficiency and reducing total cost of ownership.

How does an integrated payments hub support ISO 20022?

An integrated payments hub supports ISO 20022 by standardizing and transforming payment data across formats. It enables seamless conversion between legacy messages and ISO 20022, improving data quality and consistency. With richer, structured data, banks can automate processing, increase straight-through processing rates, and enhance compliance and reporting. This allows institutions to adopt ISO 20022 faster while minimizing disruption to existing systems and workflows.

What business value does an integrated payments hub deliver?

An integrated payments hub reduces operational overhead by consolidating systems and automating manual processes. It improves visibility into payment flows, strengthens compliance with capabilities like real-time sanctions screening, and supports scalable API and EDI banking integration. As a result, banks can onboard customers faster, reduce errors, and respond more quickly to market changes. The hub also creates a flexible foundation for innovation, helping institutions deliver better payment experiences and stay competitive.

解决方案

面向金融服务领域的业务网络解决方案

通过云优先集成式支付中心，简化支付流程并实现规模化扩展

观看 Finextra 网络研讨会咨询专家

$320 万亿美元
2032 年跨境支付市场预测数据^[1]

为金融服务业的未来而打造

ISO 20022 的合规要求和对实时可见性的需求意味着分散的系统难以为继。OpenText 的集成式支付中心平台可助您轻松管理大批量交易和复杂的支付数据集成。无论您是外包 SWIFT 银行业务系统、银行业务 API 集成，还是确保企业与银行间能够实现无缝集成，您都可获得保持竞争力所需的安全性和可扩展性。

实现全球银行支付流程现代化

金融服务集成具备哪些价值

实现支付流程现代化，提高金融业务敏捷性并构建全球互联体系。

增强财务韧性，拉动战略增长

停止为零散、僵化的基础设施付费，这些基础设施会导致数据滞留并拖慢业务。利用可扩展的云数字银行业务平台取代碎片化传统基础设施，该平台具备实时可见性，可助您优化全球流动性并将资源投向增长领域。
降低系统性风险，保障交易完整性

通过在支付流程中嵌入企业级安全防护和自动验证功能，保护您的组织免受欺诈和监管处罚。保护您的资本和声誉——通过内置的验证和实时制裁筛查功能，确保每笔交易都符合 ISO 20022 的合规标准。
加快全球创收速度

借助标准化、预构建工作流以及 API 和 EDI 银行业务集成，将银行和合作伙伴直接接入您的业务应用程序，从而更快占领市场份额。将客户入驻周期缩短高达 75%，使您在签署协议后即可开始交易并创造收入。

商业影响

降低总拥有成本

通过全托管服务消除传统基础设施的开销，降低运营复杂性和总拥有成本。
无缝合规和欺诈预防功能

通过嵌入式 ISO 20022 验证、实时制裁筛查和主动欺诈检测功能，确保每笔交易的安全，从而保护支付流程并降低监管风险。

获取智能体式 AI 银行业务报告

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专业服务

OpenText Consulting Services 将端到端解决方案实施与全面的技术服务相结合，帮助改进系统。

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An integrated payments hub is a centralized platform that brings together payment processing, bank connectivity, and financial messaging in one environment. It replaces siloed systems with a scalable foundation that supports real-time payments, ISO 20022 transformation, and corporate-to-bank integration. By unifying these capabilities, banks can standardize processes, reduce complexity, and gain better visibility across payment flows while preparing for evolving market and regulatory demands.
Banks are adopting integrated payments hubs to simplify operations, reduce infrastructure costs, and scale more efficiently. Legacy systems create silos across SWIFT, compliance, and onboarding, which slows innovation and increases risk. A hub approach consolidates these capabilities into a single platform, enabling automation, faster onboarding, and improved data consistency. This helps institutions meet real-time payment demands while improving operational efficiency and reducing total cost of ownership.
An integrated payments hub supports ISO 20022 by standardizing and transforming payment data across formats. It enables seamless conversion between legacy messages and ISO 20022, improving data quality and consistency. With richer, structured data, banks can automate processing, increase straight-through processing rates, and enhance compliance and reporting. This allows institutions to adopt ISO 20022 faster while minimizing disruption to existing systems and workflows.
An integrated payments hub reduces operational overhead by consolidating systems and automating manual processes. It improves visibility into payment flows, strengthens compliance with capabilities like real-time sanctions screening, and supports scalable API and EDI banking integration. As a result, banks can onboard customers faster, reduce errors, and respond more quickly to market changes. The hub also creates a flexible foundation for innovation, helping institutions deliver better payment experiences and stay competitive.