The central middleware for banks is the hub for receiving and forwarding all digital banking data from banks’ corporate customers. MULTIVERSA IBS integrates and couples current digital banking standards, such as PSD2, EBICS and SWIFT, and proprietary host2host communication such as sftp. User-friendly multilingual interfaces allow web-based administration and maintenance of the entire system. The included payment factory can handle any payment format, allowing the operator to react flexibly to every customer’s needs – from instant payments to bank-specific proprietary formats.