ITM – Integrated Transaction Management

Integrated Transaction Management (ITM)

Explosive growth rates in electronic payments and a silo mindset to transaction management have resulted in inefficient, non-responsive systems throughout the financial services world. This silo approach and stand-alone legacy systems created a spaghetti-like processing environment full of potential points of failure and an environment that makes it difficult to streamline processing, utilize like capabilities and makes remaining current on software releases time consuming and expensive. As a result, financial services organizations have been left with an unfavorable cost-of-ownership and a competitive disadvantage.

As payment transaction volumes continue to grow exponentially and payment instruments increase in complexity, organizations will be rendered unprofitable due to the inflexibility of legacy systems, the challenges of supporting multiple platforms and upward spiraling costs. ITM(Integrated Transaction Management) end-to-end payments hub architecture is designed to conquer these challenges.

By having 20 years partnership with Euronet, a global player in Banking IT Solution who has more than 120 institutions including several networks: India (Cashnet), Hungary (Euronet), Indonesia (LINK), Malaysia (MEPS), we bring to you, an ITM (Integrated Transaction Management), the services-oriented payments hub architecture that reduces the risks and complexity associated with connecting multiple delivery channels to multiple back-end systems. This discipline enables your organization to manage payments processing by seamlessly integrating ATMs and POS network merchant systems, card management, Internet, telephone and mobile devices within your retail delivery channels.

ITM is a solution specially designed to deliver services to let organisations gain the following benefits:

Increase Competitiveness– Ensuring quick time-to-market and delivering a quality experience, we enable our clients to provide secure electronic payment convenience

Reduces Risk and Complexity– Creates an environment that blends technology and business processes, reduces risks and simplifies payment systems

We have several options, with full or installment payment:

License + Oursource (ITOM)

  • Invest to license (CAPEX).
  • Outsource the IT operation, software and infrastructure to our data center site

License + Insource ( At Bank Site)

  • Invest to license (CAPEX).
  • Place the infrastructure and the system in your premise

Integrated Suit of Solutions Offering

Provide a fully integrated suite of solutions for Issuing, Acquiring, e-Banking, EFT Gateway and Switching with Card Associations (Visa, MasterCard, American Express, Discover, China UnionPay) and numerous regional and national networks and ancillary value added capabilities.

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ITM solutions

Features

Optimal Performance with Exceptional Business Resiliency

Running on the IBM Power Systems™ server, capable of processing in excess of 12,000 transactions per second

Leading Technology from a Trusted Partner and Single Source

We provide a fully integrated suite of solutions for Issuing, Acquiring, e-Banking, EFT Gateway and Switching with Card Associations (Visa, MasterCard, American Express, Discover, China UnionPay) and numerous regional and national networks and ancillary value added capabilities. Designed to increase your revenue, reduce your expenses, improve your security and increase the value of your customer relationships.

Annual Point Release Program Allows You to Stay Current

By installing the Point Release every year, our clients benefit from more effective support, easier mandate installations, smoother implementations of new projects and increased speed-to-market for enhancements critical to your business.

ITM(Integrated Transaction Management) Solution Direction and Commitment

Utilizing industry standards to enhance security, reduce costs and create an enduring business model. We continually invest in and explore new ways to service and expand the quality of our solutions. Strategic and thought leadership along with ongoing research and development investment create a competitive advantage for innovative solutions for our clients.

Key Modules

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Card Issuing Solutions

  • ATM Card Issuing
  • Credit Card Issuing
  • Debit Card Issuing
  • Prepaid Card Issuing
  • Contact less Card Support
  • Chip Card (EMV) Support

Self-Service Solutions

  • ATM Device Driving
  • KIOSK Device driving
  • POS/EDC Device Driving
  • Dynamic Currency Conversion

Card Association Payment Solutions

  • International EFT      Network Interface
  • American Express      China Union Pay
  • Discover                        JCB
  • MasterCard                   Visa

Regional EFT Network Interface

  •    ALTO
  •    LINK
  •    ATM Bersama
  •    PRIMA

Proprietary EFT Network Interface

  • MEPS
  •  NETS
  • ITMX
  •  BPDNet
  •  Payment gateway (SERA, Finnet, Artajasa, SYB, etc)

Back-Office Processing Solutions

  • Credit Card Management
  • Merchant Acquiring
  • Shared-Network Processor

Interface to Core Banking:

  • Alpha Bits
  • Misys equation, Jack Hendry, Silverlake, Fiserv, iFlex FlexCube, Bank Vision, SMILE, OVS, Kirchman, Kindle, Datapro, Horizon, Peerless, Liberty, Harland Phoenix, etc

Over 25 Years of Experience

telkomsigma has been providing ICT Solutions since 1987 to Financial business in Indonesia. Partnering with Euronet– a global player who has developed ITM(Integrated Transaction Management) since 1981 and has possessed ITM users more than 120 institutions including several networks: India (Cashnet), Hungaria (Euronet), Indonesia (LINK), Malaysia (MEPS. By combination of both international and local strengths, customers will benefit of more than 35 years of diverse payments experience, and gain a focused partnership with an industry leading, financially sound, local and global organization.