Technology
Engineering for systems that cannot fail.
Financial infrastructure demands correctness, resilience and security at every layer. This is how IMARA approaches the architecture and engineering of banking and payment systems.
Reference architecture
Modular layers, cross-cutting controls.
Our platforms separate channels, integration, processing and data — so each layer can scale and evolve independently — with security and operational controls applied consistently across all of them.
Channels & access
- Mobile & web banking
- Corporate portals
- Operator consoles
- Partner & fintech APIs
Integration & messaging
- API gateway
- ISO 20022 messaging
- ISO 8583 interoperability
- Event streaming
Processing
- Transaction routing
- Clearing & netting
- Settlement engine
- Core ledger & products
Data & intelligence
- Financial reporting
- Reconciliation
- Monitoring & analytics
- AI services
Security & operations
- Identity & access
- Encryption & key management
- Audit logging
- Observability
- High availability
Core capabilities
The building blocks of financial infrastructure.
These capabilities are shared across our core banking, payment and integration platforms.
ISO 20022 messaging
Rich, structured financial messages for payments, clearing and cash management.
Secure APIs
Authenticated, encrypted and rate-limited interfaces for institutions and partners.
Transaction routing
Rule-driven, low-latency routing of transactions between participants.
Settlement processing
Gross and net settlement with queuing, finality and confirmations.
Reconciliation
Automated matching of transactions, positions and settlements with exception handling.
Participant management
Onboarding, permissions, accounts and limits for every connected institution.
Liquidity management
Intraday monitoring, reservations and tools to keep payments flowing.
Financial reporting
Statements, regulatory reports and data exports from a single source of truth.
Transaction monitoring
Real-time visibility into volumes, failures and unusual activity.
Identity & access management
Role-based access, multi-factor authentication and maker-checker controls.
Audit logging
Tamper-evident records of every action, message and state change.
Scalable architecture
Modular services designed for high availability and horizontal scale.
Financial messaging
Built around ISO 20022.
ISO 20022 is the global standard for financial messaging, adopted by payment systems worldwide. We design our payment infrastructure to work with it natively, while supporting the integration of systems that still use older formats.
- Structured, data-rich payment messages that carry full remitter and beneficiary information
- Consistent message formats across RTGS, ACH, instant payments and cross-border flows
- Better data for sanctions screening, monitoring and reconciliation
- Message validation, transformation and translation from legacy formats
Security engineering
Security designed in, from the first line of code.
Financial systems are high-value targets. We apply defence in depth across identity, data, operations and audit.
Encryption
Data encrypted in transit and at rest, with managed keys and secrets.
Strong authentication
Multi-factor authentication, device binding and session controls.
Segregation of duties
Maker-checker and four-eyes approval on sensitive operations.
Evidence & audit
Complete, exportable audit trails to support internal and external review.
How we work
A disciplined delivery approach.
Mission-critical systems need careful engineering and close collaboration with the institutions that will operate them.
Discovery
We work with your teams to understand regulatory context, existing systems, volumes and goals.
Architecture
We define the target architecture, integrations, message standards and security model.
Engineering
Iterative development with regular demonstrations, testing and documentation.
Integration & testing
Connectivity with participants and systems, functional, performance and security testing.
Go-live & support
Controlled cut-over, operator training and ongoing support and enhancement.
Have a technical requirement to discuss?
Whether you are modernising a national payment system, replacing a core banking platform or launching digital services, our team is ready to discuss your requirements.