MiOSThe Bridge Between Your Systems
MiOS connects two or more different systems so they can exchange data — banks, fintechs, billers, and third parties — in real time, whatever format each one speaks.
Running at
How MiOS Fits In
MiOS sits between the outside world and your internal systems, so every party can exchange transactions without changing how they work.
Outside parties
- Banks
- Fintech
- Billers
- 3rd party services
MiOS
Connection layer
MiOS Core
Built on
Your systems
- Internal back-end
- Monitoring
- Web dashboard
- Reporting
- Analytics
Outside parties
- Banks
- Fintech
- Billers
- 3rd party services
MiOS
Connection layer
MiOS Core
Built on
Your systems
- Internal back-end
- Monitoring
- Web dashboard
- Reporting
- Analytics
Adaptors and the API gateway accept transactions from each party, in whatever format it uses.
The MiOS core validates the data and maps it to the format the destination expects.
The transaction is routed to the right system in real time, and every flow can be monitored and reported.
- 01
Receive
Adaptors and the API gateway accept transactions from each party, in whatever format it uses.
- 02
Process
The MiOS core validates the data and maps it to the format the destination expects.
- 03
Deliver
The transaction is routed to the right system in real time, and every flow can be monitored and reported.
01 Receive
Adaptors and the API gateway accept transactions from each party, in whatever format it uses.
02 Process
The MiOS core validates the data and maps it to the format the destination expects.
03 Deliver
The transaction is routed to the right system in real time, and every flow can be monitored and reported.
MiOS in Numbers
From the modules you can choose to the institutions already running it.
What MiOS Does
Everything needed to move transaction data safely between systems that were never built to talk to each other.
Transaction Routing
Routes transaction data from your systems to third-party systems, and back again.
Data Mapping
Maps every message to match the format expected by the destination host and the originating host.
Data Validation
Verifies that incoming data is valid before it is passed on.
Real-Time Connection
Connects systems directly, so transactions flow the moment they happen.
Any Message Format
Supports many data and message formats, from ISO8583 and ISO20022 to JSON, XML, and plain text.
Transaction Routing
Routes transaction data from your systems to third-party systems, and back again.
Data Mapping
Maps every message to match the format expected by the destination host and the originating host.
Data Validation
Verifies that incoming data is valid before it is passed on.
Real-Time Connection
Connects systems directly, so transactions flow the moment they happen.
Any Message Format
Supports many data and message formats, from ISO8583 and ISO20022 to JSON, XML, and plain text.
Modules
14 modules. Use only what you need.
Each module handles one format or job. Pick the ones that match the systems you need to connect, and add more later.
- MiOS Core The engine that routes, maps, and validates every transaction.
- MiOS ISO8583 Financial messaging
- MiOS ISO20022 Financial messaging
- MiOS JSON Data formats
- MiOS XML Data formats
- MiOS TXT Data formats
- MiOS Webservice Web & integration
- MiOS HTTPS Web & integration
- MiOS WSDL Web & integration
- MiOS SMTP Notification & monitoring
- MiOS SNMP Notification & monitoring
- MiOS SMCS Specialised
- MiOS Asterix Specialised
- MiOS Report & Settlement Specialised
- Need a format that is not listed? MiOS can be developed further to fit the systems you need to connect. Talk to us
Financial messaging · 2
The standards banks and payment networks use to exchange transactions.
- ISO8583
- ISO20022
Data formats · 3
Common formats used by modern applications and older systems alike.
- JSON
- XML
- TXT
Web & integration · 3
Connect to web services and APIs over secure channels.
- Webservice
- HTTPS
- WSDL
Notification & monitoring · 2
Send email notifications and monitor network devices.
- SMTP
- SNMP
Specialised · 3
Purpose-built modules, from radar data (Asterix) to reporting and settlement.
- SMCS
- Asterix
- Report & Settlement
AI Inside
Start with what you need. Grow without rebuilding.
MiOS is built on a microservices architecture, so new capacity and new connections are added piece by piece instead of replacing the whole system.
- 01
Microservices
Each part runs on its own, so MiOS scales easily as transaction volume grows.
- 02
Customizable
Can be developed further to fit the needs of the systems it connects with.
- 03
Machine learning & AI
Supports machine learning and AI capabilities on top of the transaction flow.
- 04
Broad compatibility
Supports many technologies, giving high compatibility with different environments.
Microservices
Each part runs on its own, so MiOS scales easily as transaction volume grows.
Customizable
Can be developed further to fit the needs of the systems it connects with.
Machine learning & AI
Supports machine learning and AI capabilities on top of the transaction flow.
Broad compatibility
Supports many technologies, giving high compatibility with different environments.
Where MiOS Is Running
From regional banks to cooperatives, communities, and a government ministry.
MiOS connects regional development banks (BPD) to billers through the Way4 switching system.
MiOS sits between the Way4 switching system and the internal database and APIs of Bank Muamalat.
MiOS links cooperatives to banks and billers, so members can make payments through their cooperative.
MiOS connects a community fintech to banks and billers.
MiOS collects device status from radar systems of several vendors into one data warehouse, feeding a web monitoring dashboard.
BPDNet
MiOS connects regional development banks (BPD) to billers through the Way4 switching system.
Bank Muamalat
MiOS sits between the Way4 switching system and the internal database and APIs of Bank Muamalat.
Payment Inc
MiOS links cooperatives to banks and billers, so members can make payments through their cooperative.
Tarikah At Tijaniyah
MiOS connects a community fintech to banks and billers.
Kementerian Perhubungan
MiOS collects device status from radar systems of several vendors into one data warehouse, feeding a web monitoring dashboard.
Frequently Asked Questions
Everything you need to know about MiOS.