We call it "Bankrechner" in Germany... that "Calculator Banking" it is the server - the bank application. but not only. besides the customer2bank communication EBICS is also in use for communication with EBA, Bundesbank and bilateral clearing "Garagenclearing" - means bank2bank.
Solutions basend on open protocols I build on that since years
https://youtu.be/S_fQO5ykK_o