With aplonAPI you can: › Achieve PSD2 compliance in just 3 months › Engage with Fintech developers › Build and monetize your own APIs › Manage your internal APIs › Integrate with your existing ESB or core systems › Expedite new apps development › Leverage 3rd party APIs to enhance your offerings › Attract corporate customers with easy ERP / TMS integration

1. OPEN BY DESIGN!
November 2017
Why choose the
aplonAPI™ platform,
to empower your
Open banking
project

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APIs are an essential element of your future core technology stack & day to day business!
You need a platform which will allow you to shape them according to your business
requirements & seamlessly interconnect with your existing core Banking stack.
Will you use an off-the-shelf platform for your most important banking channel?
Or choose to work with a bona fide FinTech expert, for a tailor-made solution?
aplonAPI™ is a field proven, APIs management platform, tailor-made for the Financial
Services sector, with unparalleled open architecture, to facilitate frictionless integration &
open up innovation opportunities!
With aplonAPI you can
› Achieve PSD2 compliance in just 3 months
› Engage with Fintech developers
› Build and monetize your own APIs
› Manage your internal APIs
› Integrate with your existing ESB or core systems
› Expedite new apps development
› Leverage 3rd party APIs to enhance your offerings
› Attract corporate customers with easy ERP / TMS integration

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aplonAPI Overview
aplonAPI™ API Management Platform, is a modern, open banking, PSD2 compliant, API
Management Framework. It offers the three, core & necessary, components for the successful
creation & impactful disseminations of APIs:
PUBLISH MANAGE DISTRIBUTE
Comes “out of the box” with a set
of PSD2 ready APIs to expedite
compliance.
Offers API Creation capabilities, to
build your own APIs, including fully
customizable security profile (e.g.
2FA / OTP), payload validation,
SLAs & Billing.
Comprehensive Management
Console, is the Command &
Control Center for your new “PSD2
API Channel”, enabling real-time
monitoring of API calls and
providing access to the complete
transactions history, via detailed
logs analytics & insights.
APIs portal to excite & educate the
Developers community, extensive
documentation, code examples &
live test functionality, including a
production grade PSD2 Sandbox
environment, to facilitate
streamlined testing & debugging
of applications.
Furthermore, it acts as a “gateway” to the Sharing Economy business model & paradigm,
empowering diverse organizations to actively participate in the global online ecosystem.
aplonAPI can be used by:
EU Banks
for PSD2
Forward thinking
Banks & FIs
Corporates, FinTechs &
everyone!
To prepare for & establish full
Payment Services Directive 2
(PSD2) compliance in record time
Kick start Open Banking, Banking
as a Platform (BaaP), Banking as a
Service (BaaS) projects
Power their innovative & disruptive
ideas with a solid, & field-tested
API Management platform!

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Using aplonAPI™, forward thinking Banks, establish a Banking as a Platform (BaaP)
technology stack, enabling them to deliver next generation FinTech – Banking as a Service
(BaaS) solutions to their customers (corporate & retail).

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Why choose aplonAPI™
Cutting edge technology
aplonAPI™, is build from the ground up, as a TRULY OPEN API platform,
with Financial Services 2.0 & FinTech in mind. Having absolutely no legacy
components, it’s using the latest cutting edge technologies to deliver a
future proof platform.
› All internal aplonAPI™ functionalities (e.g. manipulating the SLAs & Billing information,
managing access to APIs etc) are exposed as APIs, so you can easily access from &
interconnect with your existing technology stack (e.g. web banking, fraud detection,
intrusion detection ect)
› Implemented in micro-services for unparalleled elasticity
› You get the Source code for the sandbox - now you can easily provide custom functionality
to third parties, as you expand the set of APIs you expose to them
› Delivered in docker containers for painless deployment and scalability
› Fully supports kubernetes, for unparalleled flexibility in setting up Fault tolerant
deployments
› Written in kotlin, the most modern platform out there. You’re now in the company of Uber,
Pinterest, Atlassian
› Asynchronous Traces and logs in open databases for total accessibility
› In memory databases for blazing speed

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Five star rating
aplonAPI™ is already powering diverse FinTech projects in EU & Africa,
such as PSD2 Compliance & Open Banking, ACH / Payments Switch and
Card Processing. Its scalable design can seamlessly support any possible
deployment scenario, from simple PSD2 compliance for a small bank, to
pioneering Open banking offerings and huge Payments Switch, for one of
the largest countries in the world.
Recognized as a world leading APIs platform
5 Star rating Powering the winner of the
Best Digital Initiative award
Adding True Value from Day 1
The aplonAPI™ platform acts as a value generator for technology &
business
› Immediately initiate your online presence with Open Banking APIs. Simply brand our white
label Developers portal & Sandbox, according to your requirements & you’re good to go! You
can use this functionality to start participating in the Open Banking & FinTech movement,
organize Hackathon events etc.
› PSD2 compliance in record time – typical deployment time less than 3 months
› With aplonAPI™ you buy much more than technology. Our legendary Consulting services
are “built in”. These include our ready to expose PSD2 APIs, as well as the active support of
our experienced Business Consultancy team.
› Take full ownership of your API platform. aplonAPI™ is a truly open platform, allowing easy
expansion & interconnection with 3rd party systems.
› Flexible ownership cost model – select from our CAPEX or OPEX pricing models, to better
suit your requirements.

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All the features you need & more
aplonAPI™ is packed with advanced features & functionalities. Managing
your APIs lifecycle was never easier – this means that you can focus, on
generating value through your new APIs Banking Channel. Select aplonAPI™
to:
› Create & Publish your own APIs and see them immediately appear in you developer’s
portal
› Create granular SLA limits to fully manage access to the APIs
› Define multi-tier billing layers & combine them with actual usage logs to generate all the
necessary invoicing information
› Open source charting tools to customize them on the fly
› White Label developers portal which you can easily brand to your liking
› Select cloud, or on-premise deployment now & change it in the future, as you grow
The aforementioned are simply some of the great features of aplonAPI™.
For a complete demonstration of the platform capabilities and a detailed analysis of how they
will empower your own environment, reach out to schedule your free “Banking APIs 101”
workshop.

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The aplonAPI™ pedigree
PaymentComponents (PC) is the ideal partner & aplonAPI™ is the ideal
platform for your Open Banking project!
› aplonAPI™ is built from Financial Services & Technology experts – Customized &
Optimized for Banks!
› Payment Components has a combined experience of over 25 years in delivering mission
critical Financial Services Solutions
› By working with us you immediately leverage our first mover advantage & continuous
innovation
› Be part of the global Thought Leadership on APIs & Open Banking
› Partnership with a true Fintech
› 360° view of the FinTech (R)evolution – we deliver solutions for Banking & Financial
Service providers as well as for their consumers (e.g. corporates, end clients).
› On top of a fully-fledged API platform & we can provide your first FinTech applications /
API consumers, through our aplonCASH Treasury Management System & AVACAS PFM.
› This means that with aplonAPI™ & PaymentComponents you get a fully functional & live
360° FinTech ecosystem from the 1st day you go live!
› aplonAPI™ is a modern age technology masterpiece, crafted by a team of perpetual
Financial Technologies Innovation experts

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Payment Components, a worldwide expertise
PaymentComponents Ltd is a catalyst, empowering FinTech Innovation in Banks, Financial
Institutions, Corporates and FinTechs.
PaymentComponents is a unique amalgam, bonding deep Financial Services understanding,
expertise in developing mission critical Financial systems and the latest trends in FinTech
innovation.
Our API Framework provides a complete, PSD2 compliant, solution for Financial Institutions to
actively participate in the FinTech (R)evolution. It empowers the creation, testing & growth of
Platform Based services & fosters the collaboration with the rapidly growing FinTech
community.
Through treasury management systems, automated payments & reconciliation solutions, we
provide a hassle-free path to FinTech benefits, for Corporates.
Via software components, support and know-how, we enable Rapid & Agile development of
SWIFT & SEPA compliant FinTech applications worldwide.
We are empowering FinTech Innovation for Computer Associates, JPMorgan, Citigroup, Pictet
and Credit Suisse, among others.
For more information, www.paymentcomponents.com | Twitter @paymentcomp