The ZKA protocol standards enable banks and computer centres to provide uniform, speedy and secure services for online banking and electronic payments. In addition to the established standards HBCI and BCS-FTAM, products for private and corporate customers must also meet the standards FinTS 4.0 and EBICS in future.

For the developers of financial software products, it makes sense to incorporate the implementation of communication in a module integrated in the product. TRAVIC Kernel is that module. The kernels relieve the  home-banking and payment applications of the work involved in the standard protocol and its syntax, likewise of security procedures.

The following TRAVIC Kernels are available for the development of customer systems:

• EBICS Kernel with C- and Java-API
• FinTS Kernel with Java-API

With the banking Kernel HBCI with C- and Java-API (including PIN/TAN two-step procedure), PPI also provides a solution for HBCI and FinTS 3.0.