Get ready for
Consumer Data Right (CDR)
Innovate to put banking data in your customers’ hands
What CDR means for your organisation
As its compliance deadlines approach, CDR becomes and ever-more-important matter for all Australian financial institutions.  This legislation, which is the next stage of Open Banking in Australia, will give your customers more power to switch providers. In turn, it will sput competition within the sector.
CDR - Rev 1
Brilliant collaboration enables NPP at Heritage Bank
Overview
The New Payments Platform (NPP) is a financial industry game-changer. Its introduction presented new hurdles for financial institutions to clear. Heritage Bank’s NPP adoption presented several of these.
A compliance and innovation challenge they couldn’t tackle alone, Heritage brought in Red Hat and Integral to help. What followed was a major success as the three worked together to revolutionise the bank’s payment processes.
What is the NPP?
The New Payments Platform (NPP) is a major industry-wide initiative to develop a new infrastructure for Australian payments. It’s a fast, flexible and data-rich payments system for Australian governments, businesses and consumers to meet their payment needs.
The NPP’s infrastructure introduces features like real-time bank transfers, simpler payment identification and richer transfer descriptions.
Australia’s largest customer-owned bank

With roots stretching back to 1875, Heritage Bank is Australia’s largest customer-owned bank and one of its oldest financial institutions. Headquartered in Toowoomba, Queensland, Heritage Bank has grown to 60 branches in Queensland and New South Wales. Heritage is the largest issuer of pre-paid cards in Australia, particularly travel cards, working with a number of companies that sell pre-paid cards. Heritage currently supports brands including Australia PostOptusQantasTravelex, and MasterCard‘s multi-currency Cash Passport. In 2019 it was named Bank of the Year in the Roy Morgan Customer Satisfaction Awards for 2018.Heritage Bank’s twin focuses are:

  • People First
  • Quality of service.
The Team

Under Heritage Bank’s NPP project, staff from three companies collaborated:

  • Heritage Bank
  • Red Hat
  • Integral

Each company brought something to the table:

  1. Heritage Bank – banking systems and product subject matter experts
  2. Red Hat – subject matter experts on Red Hat products, plus agile delivery and solution architecture
  3. Integral – platform establishment, integration solution architecture, plus integration development skills.

The entire project was underpinned by the Agile SCRUM project management methodology.

The Challenge

Heritage Bank had an inflight project that had been struggling to achieve some of the broader business outcomes necessary to enable NPP. They also needed to integrate their core banking, web banking, mobile banking and fraud systems with the NPP.

Enter Integral

Red Hat decided to call in Integral – a leader in business and technical solutions based on Red Hat technologies and one of Australia’s leading integration specialists.

Collaborating as a three-way team, Heritage Bank, Red Hat and Integral forged an innovation lab team that included experienced agile delivery leads, Java developers and Red Hat OpenShift specialists to deliver the integration and deployment platform necessary to enable NPP.

The Solution

Integral delivered a multifaceted solution built on industry-recognised tools that ensured readily available skills in the market. The solution was a combination of:

  • Red Hat OpenShift container platform, established to support all requisite environments, including development, testing, staging and production
  • architectural and design documentation
  • establishment of microservices for handing inbound/outbound NPP integration to Heritage Banks’ internal systems including core banking
  • integration services for the implementation of NPP addressing and PayID
  • services for Visa tokenisation and digital wallet integration
  • service registry documentation for all created applications
  • security and monitoring frameworks to further manage the solution
Integral’s value add
Integral developed and implemented an integration platform that not only serviced Heritage Bank’s immediate NPP needs but which will also meet their future integration needs. Integral’s value-add was the open architectural principles used on this important project – in effect future proofing the solution for many years to come.
The delivery team, as in all Integral engagements, were successful in the upskilling of Heritage Banks’ internal staff for production support moving forward. These technical skills were previously an issue for Heritage as they had no resources with knowledge in these areas. Internal Heritage staff can now support their applications.
With the assistance of Integral, Heritage Bank successfully launched their new NPP system in just months, rather than years. As a result, the bank now has the ability for customers to manage their NPP PayID, plus send and receive real-time payments.
Inhouse NPP delivered
The NPP has made great strides towards banking convenience. While the technology standards are impressive, their implementation has been challenging for many – Heritage Bank included.
Through a combined NPP implementation effort (Heritage Bank, Red Hat and Integral), Heritage Bank is truly putting people first and delivering quality of service.
Need a leader in business and technical solutions?
Let Integral turn your obstacles into opportunities. Talk to us today.
CDR IMPLEMENTATION WORKSHOPS
CDR has everyone asking questions:

1. What does it mean for us?

2. How do we get ready?

3. Do we have enough time?

4. Can we use CDR as an innovation catalyst?

Our CDR Implementation Workshops will go a long way to finding, developing and delivering the answers that suit your institutions’ specific needs and strategy.
Register your interest
WORKSHOP LOCATIONS & DATES.