pennApps Host Integrator…

Core banking and ATM/POS channels – now connected and integrated.


pennApps Host Integrator offers high level of operational efficiency due to its ability to handle multiple back end Core Banking Systems with different ATM/POS controllers and an unmatched flexibility to easily configure the financial accounting, commission and fee parameters as per bank requirements.

It leverages ISO8583 standards to manage authorisation, financial, and reversal transactions in real-time/online from any ATM network into the Misys Equation Core Banking System.

The add-on settlement modules handle end-of-day transaction settlements, reconciliations and reports and the multiple-point extensive data logging make transaction tracing comfortable. pennApps Host Integrator also supports other value added transactions such as bill payments, mobile recharge with accommodation to configure other such transactions specific to every bank.


pennApps Host Integrator’s modularity simplifies customization, configuration and monitoring. While its communications module handles receiving messages from ATM controller and replying with response messages in line with ISO 8583 formats, the data parsing module transforms the message data in real time. The Processing module manages the complete financial accounting leveraging its flexible accounting engine. Through this, the Host Integrator ensures operational efficiencies and improves time to market for new banking products on its ATM/POS channel.

Core components of pennApps Host Integrator include:

Communication Component

Primarily handles the messaging aspects using IBM MQ or TCP Sockets for better processing speed.

Accounting Engine

A highly flexible component that enables banks to configure accounting entries including exchange commission, charges among others.

Data Parser Component

Modular component that handles message transformation either to ISO8583 based message or Custom message formats as required by the bank.

User Exits

Add-on feature assists banks to add custom processing rules and validations as per business requirements.

In addition, the below are some of the key modules of the Host Integrator:


  • ISO Message Types
  • Transaction Types
  • Events Definition
  • Accounting Definition

Transactions Processing

  • Direct Debits
  • Holds (Base 1 Processing)
  • Transaction Settlement
  • Expired Transactions
  • Fee Management
  • Exchange Rates Management
  • Reversals Management


  • IS08583 Support
  • TCP/IP or MQ Based
  • User Exits

Product Highlights

Fusion of a set of well defined client needs and technology, makes pennApps Host Integrator the right fit product solution for banks run on Misys Equation Core Banking Application.

Proactively meets market demands

Its unmatched flexibility in defining new products and varied level of charge structures according to customer account classification and transaction type enables banks to be a robust part of the evolving business dynamics and have the advantage of improved the time to market.

With minimal changes to the business applications, banks can now leverage customer segments to offer value added benefits in par with the ever evolving market conditions.

Achieve operational efficiencies

The Integrator’s compliance with ISO 8583 messaging structure gives banks the ease of successfully implementing the application with minimal customizations.

Extensive parameterisation built into the Host Integrator’s system greatly adds to the operational efficiencies of banks.

Cost Effective: Its ready ability to mount on the iSeries version without the need for any external hardware makes PennApps Host Integrator a cost effective and efficient option as it thereby, enables banks to leverage existing infrastructure.

Configurable accounting engine

Configurable accounting engine enables streamlining different types of accounting entries in line with changing business dynamics. This configurability also allows for defining multiple accounting entries for each financial transaction. Exchange rates can be also be configured with a variety of commission markups. With this, banks can offer specialised products with fee waivers for any specific customer segments or transaction types or as per bank’s unique requirements.

November 10, 2014 in News, Product Host Integrator, Product News

Qatar National Bank (QNB) Selects pennApps Host Integrator

pennApps Host Integrator to process all of the financial and non-financial transactions originating from ATM & POS channel…

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August 5, 2014 in News, Product Host Integrator, Product News

National Bank of Fujairah Goes Live with pennApps Host Integrator

National Bank of Fujairah improves its ATM and POS transactional processing response time significantly after successful implementation of pennApps Host Integrator…

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April 30, 2014 in News, Product Host Integrator, Product News

National Bank of Fujairah Selects pennApps Host Integrator

PennApps Host Integrator to power National Bank of Fujairah’s ATM & POS transactional processing…
April 30, 2014 Hyderabad – Pennant Technologies, a leading provider of software services and products to the leading banks and financial companies across Middle East,

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pennApps Host Integrator’s

Simplified Connectivity: “Comprehensive and modular solution to effectively integrate the ATM/POS channel with Core Banking System”

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