Product

Affordable payments performance
& innovation thanks to conversational AI

The payments industry is under pressure from rising costs and demands for better performance. Financial institutions are updating their systems to handle increasing transaction volumes and new regulations. These upgrades often require significant investment, and there is generally low trust in new technologies due to high costs.

Additionally, the costs of maintaining current payment and transaction systems are continuously rising, which emphasizes the need for more efficient solutions in the financial sector. Solutions that minimize costs while integrating technologies like AI, simplifying onboarding, and adhering to regulatory standards are scarce. Conversational AI is becoming important in addressing these challenges, offering a way to enhance service quality and efficiency without substantial costs.

Payments as a Service:
Your Gateway to Modernized Transactions

ImPAI brings a comprehensive suite of payment solutions tailored to modern financial needs:

SEPA Instant: Enables real-time payment processing across European countries.
SEPA Credit Transfers: Process SEPA EUR cross-border and domestic transactions efficiently and securely.
SEPA Direct Debits: Provides a seamless solution for collecting recurring payments within the SEPA region, simplifying the payment process for both businesses and customers.
SWIFT CBPR+: Supports secure and compliant international payments.
SWISS Instant: Facilitates immediate payment transactions within Switzerland, ensuring quick and reliable transfers.
Domestic Payments: Offers robust solutions for handling local transactions (Swiss SIC / EuroSIC, Czech CERTIS, Hungarian GIRO, Polish Elixir, Romanian SENT...)
Omnichannel APIs: Integrate versatile payment options seamlessly across all customer touchpoints, fostering a unified customer experience.

Key Features

Subscribing to ImPAI not only simplifies complex payment processes but also ensures:

Easy Onboarding: Leveraging conversational AI Assistant for smooth user onboarding.
High Performance: Ensures rapid transaction processing.
Constant Availability: Our systems operate 24/7/365, keeping your business always online.
Compliance: Fully compliant with the ISO 20022 XML messaging standard, facilitating seamless transition from existing setups.
Easy Integration: Allows straightforward incorporation into existing infrastructures.

Conversational
AI assistant

In today's fast-paced environment, efficiency and smooth user interaction are appreciated. Our conversational AI-driven payments platform, ImPAI, is transforming how banks handle transactions, making processes quicker, smarter, and more intuitive.

Why Choose ImPAI's Conversational AI?

Built-In Knowledge Base: Provides detailed information on payment regulations, including SEPA and SWIFT rulebooks.

Direct Action Commands: Users can perform actions like 'search', 'approve transactions', and 'create payments' directly through conversational inputs, significantly accelerating workflows and simplifying user experience while also allowing the management of user privileges to ensure that actions are appropriately restricted to authorized personnels.

Multilingual Support: Services available in over 60 languages, covering all major European languages.

Proactive and Interactive: Offers guidance and suggestions, personalizing interactions based on user behavior and priviledges.

Enhanced Onboarding and Training: ImPAI accelerates the onboarding of new team members, with AI Assistant guiding them through the platform’s functionalities.

ImPAI as Collaborative
Marketplace

The ImPAI platform aims to evolve into a marketplace that extends beyond traditional service subscriptions. This marketplace will allow financial institutions to access and share financial services, promoting a collaborative ecosystem.

Marketplace Functionality

Service Subscription: Banks can subscribe to our services or services offered by other banks.
Service Offering: Banks can list and offer their own services on the marketplace.
Selective Accessibility: Services can be made available to the public or restricted to specific groups, such as banking groups, allowing for controlled sharing within the financial community.

Long-Term Benefits

Improved Market Positioning: Banks can strengthen their position in the financial market by accessing a diverse array of financial tools and services.
Innovation: The marketplace encourages the development and integration of new financial technologies, helping banks adapt to evolving technological demands.
Collaboration: The platform supports the sharing of services and solutions among banks, promoting cooperative& collaborative relationships.
Efficiency: The consolidation of various services into a single marketplace platform streamlines transaction processes, reducing time and costs.

Customer Statements

ImPAI managed to reflect all the issues of current payment solution providers in the platform, offering a modern UI/UX that stands out in the market.
Congratulations! You have addressed all the key challenges banking industry is facing with in the payments processing. Integrating AI into payments platform really impressed us and this is certainly the future.
Your application will make the onboarding of new team members in the back-office team easy and fast, which is crucial for our operational efficiency.
Combination of many years of experience in the payments industry and the state-of-the-art technology and your know how in understanding the payments industry makes you unique.
You are offering a Ferrari with the price of a Ford. This is great!