ATB LEO is an open source software solution developed by Atnel, to enable customers to obtain a complete end-to-end online banking experience. It provides personal, business, and international banking needs, along with advanced features such as bill payment and digital wallet applications. It is designed for both small and medium banks, as well as the mobile world. It is equipped with modern eCommerce technology, assisting banks to offer their customers a unified retail banking experience with maximum convenience and safety. ATB LEO also provides online banking, account management, e-Payment, and reporting functionality in the same framework. It has both a front-end mobile application, and a backend Payment Exchange application, allowing banks to manage their customers’ payment requests and process them with ease.