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 - Heritage Bank and Indue
Effectively enabling an NPP gateway
Overview

The world of banking is changing, becoming faster and better able to meet the needs of our growing economy. The New Payments Platform (NPP) changed how the financial industry handles money. Like all industry-wide overhauls, NPP compliance has been challenging for financial institutions as they strive to offer these new capabilities.

Integral worked with Indue to develop an advanced integration solution so it can remain at the forefront of the payments industry.

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.
Indue: The company other companies trust to process payments
For more than 50 years Indue has helped Mutual Banks, Banks, Credit Unions, Building Societies, Mortgage Originators, corporates, retailers, not-for-profits, governments and fintech startups give their customers new ways to pay.
Indue is an Authorised Deposit-Taking Institution (“ADI”) regulated by the Australian Prudential Regulation Authority and owned by financial institutions, each of which is also an ADI. Indue provides payment processing and settlement and payments platforms to its varied client base.
Indue is also a principal member of Visa, MasterCard and eftpos and the various other Australian payment systems (BPAY, NPP, Direct Entry), and holds an Australian Financial Services Licence (AFSL). It is also a reporting entity to the Anti-Money Laundering (AML)/Counter-Terrorism Financing (CTF) legislation.
Indue also provides Australian ADIs with a state of the art next generation financial crimes transaction monitoring solution and a host of various back office processing services.
The Challenge

Indue was an early adopter in the original tranche of financial institutions to take on NPP. As part of this, Indue needed to be ready with its NPP solution by specific industry target dates.  To ensure implementing NPP would be successful for Indue, Integral needed to integrate the new NPP payment gateway with Indue’s current technology architecture and existing Microsoft Dynamics source systems.

The NPP’s goal of making banking more streamlined and convenient presented significant challenges. For Indue, those involved integrating their case management and financial crimes systems with the NPP gateway.  This was crucial for Indue in their role of offering payment handling services to financial institutions. Further, the NPP gateway had to ensure Indue’s customers would be NPP compliant too.

Enter Integral
Being an industry leader committed to innovation and best-practice standards, Indue recognised that they would need help to meet their NPP integration goals. So, they reached out to Integral to assist.
The Solution

Developing the solution alongside Indue’s internal team, Integral worked with Indue’s existing processes, controls and quality gates to ensure stakeholders continued to enjoy Indue’s exceptional customer service without interruption throughout the entire project.

The successful solution Integral developed included:

  • A future-proof design of a logical integration solution to meet Indue’s NPP needs
  • Establishing a Red Hat JBoss Fuse integration platform
  • Implementing services for integration from the NPP Gateway to core systems, including Back Office settlement (Universe) and Case Management
  • Implementing services for integration of Fraud and AML systems
  • Developing Fraud and AML APIs to enable external 3rd parties to leverage Indue’s Fraud and AML capability

Integral also completed rigorous testing regimes to ensure the Red Hat JBoss Fuse Integration Platform met Indue’s technical requirements. We also supported Indue’s internal team to successfully complete user acceptance testing while providing a 60-day post-implementation warranty service.

INTEGRAL’S VALUE ADD

Integral developed and implemented an integration platform using Red Hat JBoss Fuse that’s built to last – not only servicing Indue’s immediate NPP needs but its future integration requirements too. Integral achieved this by using open architectural principles to future proof Indue’s NPP solution for many years to come.

With the help of Integral, Indue successfully met their NPP requirements in just 7 months, well within the implementation window.

As a result, Indue’s clients now enjoy the benefits of NPP  access. The project also saw Indue staff upskilled with modern integration skills , allowing the Indue team to fully support their NPP implementation after the Integral warranty period.

Conclusion: NPP gateway ready for business
The NPP makes Australian banking much more streamlined. Facing so much change, financial institutions have had to innovate rapidly – sometimes that innovation is a difficult solo mission.
Indue recognised this early in their NPP implementation journey as they sought to offer clients an NPP gateway. Happily, Integral was there to help develop an integration solution. The result allowed Indue to remain a leader in payment processing.
The NPP makes Australian banking much more streamlined. Facing so much change, financial institutions have had to innovate rapidly – sometimes that innovation is a difficult solo mission. Indue recognised this early in their NPP implementation journey as they sought to offer clients an NPP gateway. Happily, Integral was there to help develop an integration solution. The result allowed Indue to remain a leader in payment processing.
Isaac Taylor, Chief Information Officer, Indue
CDR - Heritage Bank and Indue
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.