The card core behind Hyundai Card and Capital.
H-ALIS is Bankware's credit card platform for issuers, consumer-finance houses, and payment gateways. Hyundai Card and Capital, Korea's #1 card-and-capital institution, next-gen since 2015, anchors the production reference set, with GMO Payment Gateway, Japan's #1 payment gateway, on the same platform.
H-ALIS issuer modules span the card lifecycle
, recruitment through brand accounting.
Member Acquisition Across Product Lines
Member acquisition workflow from application through KYC, eligibility scoring, and card-product enrollment. Parameterized eligibility rules per product line, credit, debit, prepaid, and corporate variants, without code deployment.
Talk to an expertParameter-driven card cores in production.
Nine more H-ALIS modules round out the issuer operational surface.
Cardholder obligation tracking, outstanding balances, repayment scheduling, restructuring workflow, and the integration with collection systems.
Merchant master data, onboarding, KYC, MCC classification, terminal management, and the integration with acquiring partners.
Merchant settlement accounting, fee accruals, chargeback handling, brand-acquirer reconciliation, and tax reporting.
Service catalogue per card product, loyalty, rewards, travel insurance, concierge, and the entitlement engine that gates access per segment.
Cardholder lifecycle, profile, segment, household, secondary cards, and the cross-product unified customer view.
Portfolio analytics, campaign planning, target segmentation, and the marketing-operations integration that drives product growth.
Shared operational services, reference data, code tables, message routing, and the audit-and-monitoring infrastructure.
Card-network counterparty accounting, Visa, MasterCard, JCB, UnionPay, reconciliation, settlement file processing, and dispute tracking.
Corporate card programmes, expense management, T&E policies, corporate liability, and the integration with corporate ERP systems.
Ten architectural pillars behind every H-ALIS deployment.
High-availability online-first architecture, sub-100-millisecond authorization, multi-region active-standby, 24/7 transaction processing.
Open API integration with channel systems, card networks, and downstream financial systems, every capability accessible via API.
Normalized data model across cardholders, merchants, transactions, and counterparties, eliminating data duplication and reconciliation drift.
Parameter-driven framework powers card-product configuration, eligibility rules, fee structures, reward formulas, without code deployment.
BX Interface integrates the multi-channel surface, mobile, internet, teller, ATM, call center, through a single integration layer.
Tab-based multi-screen execution lets operators handle multiple cases in parallel without context-switching loss.
Rule-based parameterization separates business logic from code, business analysts define rules without engineering deployment cycles.
Permission controls down to the button level, every sensitive operation gated by role-based authorization with audit trail.
PII data masking across screens, reports, and exports, configurable per role, per use case, and per regulatory regime.
Rule-change simulation lets the institution test parameter changes against historical data before deploying to production.
Korea's #1 card and capital institution
running on H-ALIS since 2015.
“Hyundai Card, Hyundai Capital, and Hyundai Commercial replaced their next-generation system on H-ALIS for credit-card core, BX-AFS for capital and asset-finance, and BX-PF for the product factory, consolidating card, capital, and commercial finance on a unified platform.”
Read the engagement
Tell us about your card-processing transformation.
The Bankware card-and-payments team will respond within two business days.