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4 min read
Programmability in payments refers to the ability to automate, customize and execute financial transactions through software and code. This involves setting up triggers and conditions that govern how payments are initiated, processed and completed.
In the context of banks and their clients, Client-side programmability refers to the ability for clients to implement specific logical instructions in the form of software code, which then interacts with the banks’ systems for banking services, such as initiating a payment. The code is typically deployed and executed within a client’s environment as their own applications, which work with the bank’s systems through communication channels such as APIs.
On the other hand, bank-side programmability refers to the ability for clients to deploy their logic in the bank’s system, with the transaction processor, in the form of programmable instructions. In this way, the programmable instructions are enacted as self-contained, executable instructions with the bank and can be used directly by the banks’ systems without further dependency on the clients’ systems.
Bank-side programmability creates new possibilities by allowing clients to use their logic in the form of programmable instructions in a bank’s environment. Bank-side programmability could potentially provide benefits over client-side programmability on conventional systems. These benefits include:
These benefits show how programmability in banking can provide you with more efficient, reliable and sophisticated financial management tools, paving the way for enhanced operational performance and strategic control.
For a deeper understanding of programmability in payments, their transformative potential and how corporates like Siemens are leveraging Programmable Payments, read Application of Programmability to Commercial Banking and Payments.
Wee Kee Toh
Head of Business Architecture, Kinexys Digital Assets, Kinexys by J.P. Morgan
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