Proven delivery across critical digital and financial platforms.
Explore selected Paytium engagements where strategic insight and technology execution turned complex challenges into confident decisions, resilient platforms and measurable business outcomes—from technical due diligence to e-invoicing, payments, digital banking and API interoperability.
Lifecycle, status and post-invoicing event management
Clearance, business controls and audit trails
Web portals, back office, reporting and API integration
Interoperability with ERP and invoicing software
XML and UBL, electronic signatures, traceability and archiving
02
Payments & Transaction Banking
Payments & Transaction Banking
Robust transaction platforms connecting banks, businesses, partners and channels.
CASE 2 · Payments & Transaction Banking
Cash Management solutions
Digitalisation of exchanges between businesses, treasury tools and banking systems.
CAPABILITIES
Payment initiation and tracking
Statements, statuses and reconciliation
Multiple banking formats
ERP and Treasury Management System integration
Centralised treasury operations
Security, traceability and entitlements
CASE 3 · Payments & Transaction Banking
Domestic and international payment hub
Implementation of hubs centralising payments, transfers and financial services across channels and entities.
CAPABILITIES
Domestic and international payments and money transfers
Transaction routing and orchestration
Connections to banks, operators and payment systems
Service and pricing configuration
Real-time and batch processing
Reconciliation, settlement, reporting and multichannel exposure
CASE 4 · Payments & Transaction Banking
Bill Payment & Presentment Hub
Platforms enabling businesses and public organisations to distribute bills, statements, reminders and calls to action.
CAPABILITIES
Bill presentation and payment
Immediate or scheduled payment requests
Individual and bulk notifications
Subscriptions and service directories
Multichannel online and offline journeys
Back office, tracking, reporting and reconciliation
CASE 5 · Payments & Transaction Banking
Host-to-Host Banking solutions
Secure, automated connection of ERP and treasury systems to banking platforms.
CAPABILITIES
Domestic and international payment transmission
Secure asynchronous exchanges
File- and transaction-level status reports
Account statement delivery
CSV, ISO 20022 and legacy banking formats
Signing, encryption, mutual authentication, rejection handling and reconciliation
CASE 6 · Payments & Transaction Banking
ISO 20022 migration
Supporting institutions through the progressive transition from legacy formats to ISO 20022 messages.
CAPABILITIES
Mapping existing flows and formats
pain.001, pain.002 and camt.053 messages
Transformation, validation, statuses and rejection codes
Legacy and ISO 20022 coexistence strategies
Integration and regression testing
Phased rollout and partner enablement
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Digital banking & lending
Digital banking & lending
Seamless, secure financial journeys across every customer and employee channel.
CASE 7 · Digital banking & lending
Digital Banking, Selfcare & onboarding
Design and modernisation of web and mobile banking journeys for customers, advisers and administrators.
CAPABILITIES
Internet Banking, Mobile Banking and Selfcare
Digital onboarding and product subscription
Transactional and non-transactional journeys
Head-office and branch back offices
Entitlements, audit trails and API enablement
Modernisation, data migration and multi-entity rollout
CASE 8 · Digital banking & lending
Trade Finance — REDOC, REMDOC & LC
Digitalisation of documentary processes and international trade operations.
CAPABILITIES
Import and export documentary collections
Letter of credit management
Case creation and monitoring
Controls, validations and approval workflows
Documents, correspondence, statuses and deadlines
Traceability and banking back-office integration
CASE 9 · Digital banking & lending
Digital lending
End-to-end digital lending journeys, from simulation and application through credit decisioning, disbursement and loan servicing.
CAPABILITIES
Loan simulation and application
Data and document collection
Eligibility, credit scoring and decision rules
Approval workflows and notifications
Loan disbursement
Omnichannel journeys, lending operations and reporting
04
Orchestration & channels
Orchestration & channels
Reusable processes that industrialise services and accelerate their delivery across channels.
CASE 10 · Orchestration & channels
Business workflow orchestrator
Industrialisation of services and business procedures through configurable, multichannel workflows.
CAPABILITIES
Visual modelling and BPMN 2.0 workflows
Human tasks, automation and business rules
API-driven approval workflows
Instance status, history and audit
Embedded payments, receipts, tickets and documents
Multichannel simulation and processing supervision
CASE 11 · Orchestration & channels
Point of Sale (POS)
Modernisation of transaction applications used across branches, agent networks and customer service points.
CAPABILITIES
Bill payment, money transfer and e-services
Till and cash management
Authentication and entitlements
Receipts and online or offline transaction processing
Transaction monitoring
Agent network back office and administration
05
API & interoperability
API & interoperability
API governance that opens the information system without compromising security.
CASE 12 · API & interoperability
API Gateway
Implementation of API exposure and governance platforms for internal systems, partners and external ecosystems.
CAPABILITIES
API exposure, security, lifecycle and versioning
Catalogue, OpenAPI documentation and partner portal
Products, plans, subscriptions and identity federation
OAuth 2.0, OpenID Connect and mTLS
Routing, transformation, quotas and traffic control
Monitoring, analytics, alerting, resilience and high availability
06
Advisory & Due diligence
Technical due diligence
An independent assessment that de-risks investment, transformation and corporate transaction decisions.
CASE 13 · Advisory & Due diligence
Technical due diligence of a business-critical digital platform
A cross-functional platform assessment ahead of a strategic decision, designed to establish technology maturity, identify material risks and quantify the effort required to support the business roadmap.
CAPABILITIES
Functional coverage, end-to-end business scenarios and specification compliance
User experience, accessibility and omnichannel journeys
Architecture, performance, scalability, resilience and single points of failure
Code quality, Secure SDLC, CI/CD and automated test coverage
APIs, interoperability, Data & AI governance
Cybersecurity, IAM, business continuity and risk frameworks
Technical documentation, operations and knowledge transfer
Stakeholder interviews, targeted workshops, testing, risk scoring and prioritised roadmap
LET’S BUILD THE NEXT PLATFORM
Planning a financial or transaction transformation?
Let’s discuss your payment, digital banking, interoperability or process automation priorities.
