Finzly BankOS, running on AWS, is a real-time 24x7 operating system for bank transformation, enabling accelerated go-to-market with products and offerings for the real-time, connected customer. FOR FINANCIAL INSTITUTIONS ONLY The platform, through its award-winning payment hub offers end-to-end payment processing and managed connections to all payment networks ACH, FedNow, RTP, SWIFT, and Fedwire. FIs can launch these rails, offer digital experiences for business and consumer banking, offer virtual accounts, and provide open APIs for embedded banking, all without relying on core or legacy systems.

Why choose Finzly BankOS on AWS for your bank transformation

Cloud-native for scalability and resilience - Hosted on AWS, Finzly BankOS delivers unmatched reliability, scalability, and security. Leverage the cloud to process payments without costly infrastructure investments or lengthy core system upgrades. AWS ensures your payment infrastructure is always available and resilient, enabling customers to access real-time payments anytime, anywhere.

Instant payments on FedNow and RTP - Finzly BankOS provides true instant payment capabilities on both FedNow and RTP networks. This unified platform allows you to manage all real-time payments in one place, offering faster and more efficient services to customers.

Smart routing based on business rules and network participation - The platform intelligently routes payments into the appropriate instant payment network or ACH, SWIFT, or Fedwire based on the receiver's availability or other smart rules based on speed, cost, and other configurable parameters. This feature increases the likelihood of successful payments while minimizing delays, ultimately enhancing the overall customer experience.

ISO 20022 native architecture - Futureproof your operations with the Finzly ISO 20022 native platform, which allows for richer data in transactions, enhancing compliance, reporting, customer service, and insights. Get ready for Fedwire and Swift compliance deadlines effortlessly.

Seamless core integration - Finzly BankOS runs independently of your core banking system while integrating seamlessly with it. This allows you to leverage real-time payments without undergoing costly core transformations, connecting effortlessly with both legacy and modern systems.

Unique Features of Finzly BankOS

Intelligent smart routing - Automatically reroutes payments to alternative networks during outages or capacity constraints, ensuring uninterrupted access to real-time payments for your customers.

Accelerated time to market - Designed for quick implementation, allowing your institution to launch real-time payment services and gain a competitive edge.

Developer-friendly APIs and sandbox - A rich set of APIs and a sandbox environment support development and innovation needs, simplifying testing, implementation, and scaling.

Award-winning user experience - Finzly UX ensures a smooth payment journey for internal teams and customers, designed for simplicity and efficiency.

Revenue growth opportunities with embedded finance - Unlock new revenue streams by offering payment APIs to corporate customers and fintech partners, enhancing their services, and generating new business for your institution.

Request for Payment i.e. RfP capabilities - Supports RfP messages, enabling consumers and businesses to request payments efficiently. This feature streamlines B2B transactions, recurring billing, refunds, and real-time invoicing.

Chatbot integration for instant payments - Enhances customer engagement with intuitive, conversational interfaces for initiating payments and managing transactions.