Among the products based on NAB's NextGen transformation platform is the fully automated online application, UBank Usaver Ultra and NABTrade, the online trading platform targeted at self-managed super funds. Compared to the previous six-month period ending September last year, NAB increased its infrastructure spend by AU$6 million, or 1.6 percent, driven by the continued delivery of its transformational programs, including the NextGen platform and investment in Asia. According to NAB, this was partially offset by the completion of a new payments gateway and lower expenditure on the Retail Branch network combined with the completion of an information technology upgrade in its UK Banking division. NAB announced in November last year that it had deployed its SWIFT payments gateway in a bid to better position itself for growth and sector-wide transformation in the payments space.