BUSINESS CHALLENGE

A major Australian bank required integration with the New Payments Platform (NPP) and the Osko real-time overlay to support instant on-us and off-us payments across retail and corporate channels. The client needed a solution to process ISO 20022-based messages, support PayID lookups, and enable secure, low-latency clearing and settlement while fitting into existing systems.

Objectives:

• Implement Osko/NPP end-to-end capabilities for retail and corporate channels.
• Ensure reliable on-us/off-us transaction flows with PayID support.
• Integrate with existing backend systems with minimal disruption.
• Deliver repeatable artefacts (scripts, docs, release notes) for handover.

STRATEGIC SOLUTION

Adactin implemented NPP/Osko capabilities using an Agile (Scrum) approach with three- week sprints. Workstreams included requirements analysis, iterative development, testing, and handover.

• Performed requirements discovery with business analysts and SMEs to map end-to-end flows.
• Delivered a proof of concept for a core payment scenario to validate architecture and message flows.
• Developed and customised payment modules to support on-us and off-us transactions, PayID resolution, and ISO 20022 messaging.
• Executed unit testing using an asset simulator to verify transaction processing.
• Collaborated with infrastructure and test teams to apply configuration changes and triage issues.
• Versioned deliverables in SVN and produced release notes, traceability matrices, and handover documentation.

Technology & tools: Groovy, MySQL, Windows platform, SOAP webservices, SVN, Jira, Confluence, Asset Simulator.

Cloud & Infrastructure Validation

Adactin liaised with the client’s infrastructure and platform teams to validate environment readiness and transaction flows. Tests verified message routing, API responsiveness, and integration points. Configuration changes were applied and validated in collaboration with architecture and test teams before handover.

BUSINESS OUTCOMES

• Successful deployment of Osko/NPP capabilities supporting on-us and off-us transactions for retail and corporate channels.
• PayID-based addressing implemented, enabling simplified recipient identification.
• Robust integration with legacy systems using ISO 20022 messaging patterns.
• Deliverables and operational documentation handed over (SVN, release notes, traceability matrix) to accelerate support and ongoing maintenance.
• Improved operational readiness: solution designed to support real-time clearing, richer data payloads, and overlay services.