# Messaging built for banks. - Canonical URL: https://www.broadnet.me/platforms/ams-banks - Language: en - Last updated: 2026-10-01 - Publisher: BroadNet (https://www.broadnet.me) - Markdown version of the page above, generated from the rendered page. AMS Banks · Advanced Messaging Solution v6 AMS Banks is a banking-grade messaging hub — two-way SMS, omnichannel notifications, encrypted internal database and multi-database integration with core banking, CRM, AML and fraud systems. Designed around banking security standards from the ground up — not a generic platform adapted for banks. [Talk to the banking team](https://www.broadnet.me/contact) [Technical spec](https://www.broadnet.me/contact) Banking-grade security AES-256, HSM-backed keys Tamper-evident audit ![The BroadNet snow leopard guarding a bank vault as sealed messages flow out through its lock rings](https://www.broadnet.me/marketing/art/pf-ams-banks.webp) BroadNet · banking messaging Banking messaging 300M+ messages / day 1,000+ operator connections 99.99% SLA Engineering team 300+ In-house engineers building and running the messaging platform behind AMS Banks. NOC operations 24/7 Network operations watching every route and message, around the clock. Global offices 17 Local presence supporting banks and operators across the markets we serve. SLA backed 99.99% Platform availability, committed in the service-level agreement. Capabilities ## Six modules a bank actually operates with. Every capability is shaped by what risk, ops and compliance teams put in their RFPs — not a generic checklist. ### Transaction alerts Real-time debits, credits, transfers and card auth — written to the audit log the moment they hit a customer's handset. ### OTP for online banking Tier-1 SMS routing with HLR pre-validation, retry rules and fallback channels for login, beneficiary add and high-value transfers. ### Fraud & account notifications Two-way SMS challenges, suspicious-login warnings and card-fraud alerts. Customer replies route to the right ops queue. ### Multi-database integration Parallel connections to core banking, CRM, card management, AML and fraud platforms. Stored procedures preferred, with dual-database failover. ### Tamper-evident audit Every message produces a signed log entry — sender, recipient, channel, content hash, timestamp, approval chain — exportable to bank SIEM. ### Module-based licensing Enable or disable capabilities per bank scope. Pay only for what's in production. Add modules as workflows expand. Capability matrix ## Every module, its source, and how it's audited. AMS is licensed by module, so a bank runs only what it needs. Each capability draws from a named source system, delivers on a defined channel, and writes a tamper-evident entry to the audit trail — the row a risk officer traces during an investigation. | Module | What it sends | Source system | Channel | Audit | |---|---|---|---|---| | Transaction alerts | Debits, credits, transfers, card auth | Core banking · card mgmt | SMS · Push | Signed | | OTP for online banking | Login, transfer, beneficiary codes | Auth / IAM | SMS · Voice fallback | Signed | | Fraud & account alerts | Two-way YES / NO challenges | Fraud platform | SMS (two-way) | Signed | | Beneficiary confirmation | Add-payee verification | Core banking | SMS | Signed | | Statements & notices | E-statement, due date, rate change | CRM · statements | SMS · Email | Signed | | Compliance broadcasts | Regulatory and bank-wide notices | Ops console | SMS · Email | 4-eye approval | | Multi-database integration | Parallel reads via stored procedures | Core · CRM · AML · cards | — | Logged | | Tamper-evident audit | Signed log entry per message | All modules | — | SIEM export | How it works ## Encrypted at the database, signed at the log. AMS reads bank systems through stored procedures rather than direct table access, keeps its own encrypted internal database, and orchestrates every message through templating, approval and routing before secure delivery. Encryption is present at each hop — AES-256 at rest with HSM-backed keys, TLS 1.3 in transit — and every message ends as a signed, tamper-evident audit entry. 01 · Systems Bank systems - Core banking - CRM · card mgmt - AML · fraud - AES-256 at rest 02 · Integration Integration layer - Stored procedures - Parallel connectors - Dual-DB failover - TLS 1.3 in transit 03 · Orchestrate Message engine - Templates & rules - Two-way logic - Approval workflow - Routing policy 04 · Deliver Secure delivery - Tier-1 SMS - Voice · Push - WhatsApp · Email - HLR pre-validation 05 · Audit Audit & controls - Signed log entry - Content hash - SIEM export - Retention per regulation bank DB → integration → orchestration → delivery → signed audit Bank workflows ## What banks actually send through AMS. Patterns drawn from production deployments across retail, wealth and corporate banking in MENA. 01 · Cards ### Real-time card transaction alerts Pulled from the card management system the moment auth completes — sent before the customer even slips the card back into their wallet. Branded sender, configurable thresholds, full audit trail to the SIEM. Latency <2s Channels SMS · Push Audit Signed 02 · Auth ### OTP for login, transfers and beneficiary adds HLR-pre-validated SMS over Tier-1 routes with sub-second decision logic and automatic fallback. Single-use codes, configurable TTL, replay protection and full delivery telemetry. Delivery HLR + DLR TTL 5 min Fallback Voice OTP 03 · Risk ### Two-way fraud challenge Suspicious login or card transaction triggers a YES / NO SMS challenge. The reply lands in the fraud queue inside seconds and can auto-block the card via a stored procedure against the card platform. Reply Two-way Routing Ops queue Auto-block Stored proc 04 · Retail ### Statements, due dates and regulatory notices Monthly e-statement availability, minimum due reminders, rate changes and bank-wide compliance broadcasts. Multi-language templates with approval workflow and retention per regulation. Languages AR · EN · FR Approval 4-eye Retention 7 yrs Worked example ## A two-way fraud challenge, second by second. A suspicious login triggers a YES / NO SMS. The customer's reply blocks the card and closes the loop in under half a minute — every step encrypted, orchestrated and audited. 1. 1 t+0s Trigger The fraud platform flags a suspicious sign-in from a new device in Riyadh and opens a case. 2. 2 t+1s Orchestrate AMS reads the case via a stored procedure, then builds a branded two-way YES / NO challenge from the fraud template. 3. 3 t+2s Deliver The SMS goes out over an HLR-pre-validated Tier-1 route and reaches the customer's handset in under two seconds. 4. 4 t+18s Respond The customer replies NO. The inbound message routes to the fraud operations queue within seconds. 5. 5 t+19s Act A stored procedure auto-blocks the card against the card-management platform — no analyst hand-off required. 6. 6 t+19s Audit Every hop — challenge, reply, action — is written to a signed, tamper-evident log and exported to the bank SIEM. Challenge payload **Direction** Two-way SMS **Delivery** <2s · Tier-1 **Reply routing** Fraud ops queue **Auto-block** Stored procedure **Audit** Signed · SIEM **Fallback** Voice OTP If the customer replies YES, the session is confirmed and released; a missing reply falls back to voice OTP and holds the card pending review. Compliance ## Built for the controls bank regulators require. Encryption, audit, retention, residency and key management designed to satisfy SOC 2 platform controls and central-bank regulations across the markets we serve. Audit trail sha256:9f3a…2c41 · ts:1747934283 SOC 2 Type II controls Access reviews, change management, encryption at rest and in transit and 24/7 monitoring — all evidenced against SOC 2 Trust Services Criteria. ISO 27001 baseline ISMS controls applied across the platform, hosting, key management and operational runbooks. Annual surveillance audits. Central bank ready Configured for CBUAE, SAMA, CBE, CBJ, BdL and CBI consumer protection, data residency and SAR workflow requirements per market. FAQ ## Questions banking teams ask first. **What is AMS Banks?** AMS (Advanced Messaging Solution) Banks is a comprehensive messaging hub purpose-built for banking and financial institutions. Two-way SMS, omnichannel messaging, secure routing, monitoring, and deep integration into banking systems and databases. Designed around banking security standards from the ground up. **What banking use cases does it support?** Transactional alerts, OTP for online banking, card fraud alerts, beneficiary confirmations, statement notifications, two-way SMS for customer service, branch alerts and compliance broadcasts. **How does multi-database integration work?** AMS Banks connects to multiple banking databases in parallel — core banking, CRM, card management, AML systems, fraud platforms. Stored procedures preferred over direct table reads. Dual-database failover for resilience. **What audit and compliance features are built in?** Tamper-evident audit trails — every message produces a log entry with sender, recipient, channel, content hash, timestamp and approval chain. Retention configurable per regulation. Export to bank SIEM or risk systems. **How does the encryption model work?** Encryption at multiple layers. Internal database AES-256 at rest, TLS 1.3 in transit, optional end-to-end for high-sensitivity content. HSM-backed key management. Designed to meet bank-specific standards beyond ISO 27001. **Can AMS be deployed on-premise?** Yes. AMS runs on-premise, hosted or hybrid to suit a bank's data-residency and control requirements. A built-in backup and restore framework and an active-active multi-site disaster-recovery option keep messaging available through failures, backed by a 24/7 NOC. **How does two-way SMS routing work for fraud challenges?** A suspicious login or card transaction triggers a branded YES / NO SMS over a Tier-1 route. The customer's reply lands in the fraud operations queue within seconds and can auto-block the card through a stored procedure against the card platform — with the full exchange written to the signed audit trail. Customers ## Trusted by banks across MENA. From regional retail banks to global tier-1s with a MENA branch network. Names available under NDA on request. UB Leading UAE bank UAE MR Major regional bank UAE PG Pan-Gulf retail bank GCC KI KSA Islamic bank KSA GR Gulf retail bank Qatar LR Levant retail bank Levant NA North African bank MENA EA East African bank Africa Pairs well with [A2P SMS Direct operator routes underneath AMS.](https://www.broadnet.me/products/a2p-sms) [OTP Service Multi-channel OTP with HLR pre-validation.](https://www.broadnet.me/products/otp) [Omnichannel WhatsApp, RCS, voice and email for retail banking.](https://www.broadnet.me/products/omnichannel) [Performance System Real-time monitoring of banking messaging.](https://www.broadnet.me/platforms/performance-system) ![The BroadNet snow leopard walking past holographic network dashboards in a night city](https://www.broadnet.me/marketing/art/band-platforms.webp) Carrier-grade platform ## Infrastructure engineered since 2003. The same platform that carries 300M+ messages a day, available as building blocks for your stack. 300M+ Msgs·day 99.99% SLA 23+ Years [Talk to sales](https://www.broadnet.me/contact) On-prem, hosted or hybrid · 24/7 NOC ## Talk to people who've deployed AMS in a bank. Schedule a banking briefing with the BroadNet team. Architecture review, integration scoping and a working pilot inside your test environment within weeks. [Schedule a banking briefing](https://www.broadnet.me/contact) [Request the technical spec](https://www.broadnet.me/contact) $ ssh ops@ams.bank.local · audit tail -f /var/log/ams/audit.log Backup & restore framework built-in Active-active multi-site DR option HSM-backed keys