Unity Infotech

 What is KNPS Pro?

To automate and modernize Kuwait National Payments and Settlement process, Central Bank of Kuwait has introduced a new payment platform called Kuwait National Payment System (KNPS). KNPS is an efficient and an advanced electronic payments platform to support new payment instruments. The goal of this new initiative is to replace all paper-based manual processes by automating and executing transactions in real time. 

This new system connects all financial institutions and payment gateways in Kuwait to enhance the efficiency of fund transfers, bill payments and direct debits and is set to roll out in two phases. KNPS is an evolving project model with aggressive implementation timelines from the Central Bank.

We help you by providing a highly efficient, tried and tested solution with real-time integration capabilities solve your KNPS payment challenges called KNPS Pro. KNPS Pro is a web based ISO20022 standard enabled, unified modular payment platform, which is scalable for KNPS future requirements. This system facilitates institutional transfers, customer credit transfers, direct debits and electronic bill payment & presentment modules with flexible connectivity options through STPA / STPG to connect to Central Bank for first phase.

KNPS Pro can help you meet the evolving expectations of the regulator and thereby enhancing customer experience quickly and effectively by incorporating new enhancements efficiently adhering to the ever-changing regulatory and compliance requirements of the Central Bank of Kuwait.

KNPS Pro dependably processes large transaction volume, high value Kuwaiti Dinar payments for RTGS, batch/bulk low value payments (ACH) and near real time transfers initiated through omni-channels (RPS/MPS). KNPS Pro facilitates real time monitoring capabilities that lets your operation staff manage the interactions with clearing systems & bank’s channels from a single window application. KNPS Pro allows banks to receive payments from various channels, send transaction data to the KNPS networks (ACH/MPS/RTGS) and post payments directly to the bank’s financial systems.

The solution is built on our expertise in servicing various banks in Bahrain through EFTS. With KNPS Pro you can be rest assured of being ready for all current and future regulatory needs in Kuwait.

What makes KNPS Pro unique?

  • Modular Payment platform— ACH / MPS / RTGS support.
  • Flexible Integration Adaptors for host systems—CBS / Omni channels.
  • DNS / NRT processing support Real time monitoring dashboards.
  • MT-MX Convertor support.
  • STPA / STPG connectivity with CBK
  • Dynamic and configurable workflow with definable threshold amounts.
  • Auto printing of Customer Advices
  • Auto IBAN generation / Validation.
  • Flexible Rule Engine, alert Engine – Email / SMS.
  • Auto Reconciliation Module Flexibility to enable centralized / decentralization model.
  • Security Module with added security & control LDAP Integration.
  • Extensive Reporting engine.
  • Tried & tested solution with successful implementations in 19 banks & Billers.
  • Flexibility to integrate with proprietary payments for domestic payments.
  • Flexible N-eye workflow configuration.
  • Integration with AML systems.
  • Act as a complete STP enabler through end-to-end integration.
  • Built on state-of-the-art Uniweb.
  • Framework of Unity InfoTech, designed for true N-Tier architecture supporting straight through processing (STP) for all cycles

For all your KNPS challenges, upgrade to KNPS Pro!


With a decade of experience serving as the trusted strategic partner for banks and financial institutions of all sizes, we are renowned for our innovative and user friendly financial solutions.We are headquartered in Dubai, with our research and development centre in India and support centre in Bahrain. We help our clients to stay ahead of emerging business trends and outperform the competition by simplifying their systems and business processes. We empower businesses with payment solutions, IT staffing services, software consulting services and more. Our clients include multinational banks, mid-sized financial organizations, government entities, exchange houses and many big nonbanking financial institutions.

Changing trends in the financial industry, evolving business models, technological innovation and modified regulations are some of the challenges that banks and financial institutions, face today. Accordingly, their customers also demand a personalised experience to interact and transact. Our experience gives our clients a distinct advantage. Established in 2009, Unity has many financial products developed and implemented successfully to its credit, by thoroughly understanding the present and forthcoming industry regulations. Our solutions for payments are mission-critical. Many of the banks, finance and exchange houses across the Middle East relay on our highly scalable software solutions which offer seamless integration.

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