CEN/XFS

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CEN/XFS or XFS (extensions for financial services)^[1] provides a client-server architecture for financial applications on the Microsoft Windows platform, especially peripheral devices such as EFTPOS terminals and ATMs which are unique to the financial industry. It is an international standard promoted by the European Committee for Standardization (known by the acronym CEN, hence CEN/XFS). The standard is based on the WOSA Extensions for Financial Services or WOSA/XFS developed by Microsoft.

With the move to a more standardized software base, financial institutions have been increasingly interested in the ability to pick and choose the application programs that drive their equipment. XFS provides a common API for accessing and manipulating various financial services devices regardless of the manufacturer.