
At the heart of the NIO platform are the NIO services, made available via the NIO service interface. Via this secured mechanism, client applications are able to utilise the power of the extensible financial services capabilities of NIO. These capabilities are based on two core elements:
This contains the entities, relationships between them and the basic set of invariant rules that model the Financial Services business domain. This object model has been developed over a series of years and is exceedingly rich.
The library contains a multitude of elemental processes that are used to support various activities in the business domain. These processes are combined, using workflow, to help deliver the business processes.
The key to the NIO platform is that both the xFSOM and xFSPS are extensible, so a client can add custom fields or validation to existing entities, or even create new entities and use these customised entities in the same fashion as the standard ones. In a similar vein, existing processes can be combined in different workflows and new processes can be scripted in. This allows clients to realise customised business processes that may more accurately reflect their way of working. These customisations are carried out using toolsets aimed at business process modellers, not developers.

This is the heart of the web delivered NIO platform. The engine is responsible for delivering the interface that is used to work with Intelligent Office. The key elements of these comprise:
Page Flows
Defines how the user navigates from one page to another. For some processes a single page is used, for others several pages are flowed in sequence to guide the user thru the process.
Page Content
Defines the Entities and fields that are presented on any particular page
Branding
Determines how the system appears to uses in terms of themes and corporate look and feel
Search & Report
Specifies how data is located and extracted from Intelligent Office.
As with the core of the NIO platform, the presentation engine allows clients to either use the standard rich set of page content, flows, reports; to customise slightly the existing elements; or to produce completely new elements. Any customisations that are made to the xFSPS and/or xFSOM can be used from the presentation engine in the same manner as their standard capabilities.
Other client applications access NIO through the same service interface ensuring consistency of the entities and processes across the various channels.
Web Services
Customers wishing an integration of Intelligent Office with their own systems are able to use the web services interfaces of NIO.
Mobile Applications
For users accessing from a mobile device there is the opportunity to have NIO delivered in a form more suitable to the display and data entry capabilities of these devices.
Data Import/Export
Data import and export is done via the same NIO service interface ensuring that all customisations of entities are available.