Secure. Orchestrate. Innovate.
Powerful transaction processing, on your terms
KAL’s card-acquiring KTH host system drives ATMs, kiosks and POS networks of all sizes. It is a robust and future-ready alternative to conventional host systems, enabling new functionality and rapid changes to be developed with ease. KTH delivers cost reductions along with a superior transaction set. It also increases banks’ abilities to differentiate in the market and enhance the customer experience.
Robust by design
Engineered for resilience
KTH has exceptional availability and performance – rigorously tested, fault-tolerant software that delivers maximum uptime.
Engineered for scalability
With a micro-services software architecture, KTH scales easily by running in a virtualized environment with no limit to the number of servers that can be deployed.
Engineered for security
KTH supports all major security standards such as TLS for communications, TR34/31 for key management, EMV for cards, HSMs for PINs and PCI for overall security.
Innovative banking services
Support for new transaction types
Alongside supporting all traditional ATM transaction types, KTH can orchestrate and create new self-service transactions using any API, web service or bus interface the bank has on its IT infrastructure.
Built for flexibility and control
Manage your development cycle
Pre-built components and configurable core code for accelerated software development. The KTH Design Studio is included as standard and is similar to KAL’s K3A development environment.
Customize without compromise
User-friendly and designed to facilitate banks’ own customizations. Updates to the core software from KAL are backwards compatible and do not break your customizations.
Optimize your time to market
KTH fits into an Agile or DevOps environment allowing banks to develop and deploy quickly, while keeping ATMs increasingly relevant and engaging for customers.
Boost operational efficiency
Reduce your IT expenditure
KTH runs in a low-cost hardware environment on virtual servers in the cloud or OnPrem – helping banks reduce total cost of ownership.
Seamless integration
Total connectivity
KTH is tightly integrated with KAL’s K3A application and KTC management system. It delivers out-of-the-box support for Visa, Mastercard and American Express. KTH also provides the components needed to integrate with the core banking host, issuer host, HSMs, web services, proprietary server systems and external third-party systems.
Key features
KTH is a PCI certified solution with notable features that include:
- Realtime authentication and authorization
- Advanced switching and routing
- Acquiring and settlement
- API-based or web-services connectivity to backend systems
- Fault-tolerant software architecture
- Virtualization support
- Logging, monitoring and reporting (via KTC)
- HSM (Hardware Security Module) support
- End-to-end encryption (e.g., TLS, VPN and IPSEC support)
- TR34, TR31 key management
- Support for nexo ISO 20022 and ISO 8583
- KTH Design Studio and SDK
- Testing tools and simulators
- Card scheme integration
- Integration with third party systems
