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TransFonD S.A. (TransFonD) - a private company owned by 27 Romanian banks and the National Bank of Romania - is a Romanian organization. To compete in the European Union, Romania needed to upgrade its banking IT infrastructure and implement an electronic interbank payment solution. The solution to this was a scalable, flexible, service oriented architecture and messaging software from IBM that integrates interbank electronic payment system with core back-end processing applications and data of its member banks, processing up to 300,000 transactions per day in automatic clearing house application alone.

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