BankOnlineSysteme

BankOnlineSysteme is the collection of software platforms and services that enable banks and other financial institutions to provide online and mobile banking, as well as the associated back-office processing required to support customer and internal workflows. The term covers both customer-facing portals and apps and the internal systems that handle authentication, account management, payments, and data processing.

Key components include the user interface layer (web and mobile), identity and access management, core banking integration, payment initiation and settlement, transaction processing, funds transfer, statements and alerts, and analytics and risk/compliance modules. The system often relies on a service-oriented or microservices architecture, with an API layer to enable integration with external services such as merchant networks, fintech apps, and open banking providers. Data storage, reporting, and compliance logging are essential functions.

Operations and architecture: deployments may be on premises, in the cloud, or a hybrid model. High availability, disaster recovery, and security monitoring are prioritized. Open banking and PSD2-like regulations drive standardized APIs and customer consent management.

Security and compliance: authentication methods include MFA and biometrics; data is encrypted at rest and in transit; fraud detection and risk scoring are integrated. Banks must comply with KYC/AML, data protection laws (such as GDPR), and industry standards (PCI DSS for card data).

Governance and impact: BankOnlineSysteme evolve through vendor solutions or in-house development. They enable faster payments, real-time balance information, and enhanced customer experiences while introducing cybersecurity risks and operational dependencies. Effective governance includes change management, incident response, auditing, and regular security testing.