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Cards and Payments

Industry Offerings

Offerings

Infosys service offerings for the cards and payments industry

Reinventing Payments

  • Payments modernization
    • Defining strategy for an integrated enterprise payments landscape
    • Payment hub product evaluation, selection, and implementation
    • In-house payment hub solution design and implementation
    • Global clearing and settlement consulting including SEPA consulting
    • SWIFT integration and consulting
    • Multichannel payments initiation and payments management
  • M-commerce and mobile payments
    • Mobile security strategy
    • Mobile payment platform evaluation
    • Architecture consulting
    • Mobile wallet integration
    • Device adaptability diversity testing
    • Security interoperability validation
  • Infosys mWallet solution provides digital wallet capabilities for MNOs, payment processors, and banks
  • Loyalty
    • Loyalty management suite implementation
    • Next-gen loyalty platform roadmap
    • Business architecture

Digital enablement

  • Infosys Digital capabilities focus on unlocking value from the digital ecosystem with the help of relevant solutions, unique software assets, and future-ready experts. Our digital capabilities are built to help you:
    • Industrialize: Simplify, automate, unify, and visualize
    • Contemporize: Hybrid, elastic, scalable, and extendable
    • Consumerize: Experience, context, insight, and pervasive
  • Digital customer experience – digitize and enhance the omni-channel customer experience by leveraging social, mobile, and analytics:
    • Digital marketing
    • E-commerce payment gateway
    • Connected devices
    • Social, search, and analytics
  • Digital process integration – digitize and integrate business processes both internal and external to the enterprise to enable straight-through processing (STP) and automation:
    • Business process management
    • Business rules / decision management
    • Next-generation customer service
  • Digital enterprise solutions
    • Transform legacy cards and payments platform to next-generation platforms
    • Integrated digital asset management and campaign management solution
    • Interactive e-commerce platform for all digital touch points
  • Infosys offers voice of customer (VoC) solution to understand customer behavior and decision-making.
  • Infosys EdgeVerve offerings (BrandEdge and AssistEdge) that leverage social media, mobility, analytics, and insights for marketing campaigns and enhance customer service experience.

Big data and analytics

  • Infosys Information Platform (IIP) offers a foundation to rapidly develop industry-specific insights. This platform aggregates open source technologies in a way that makes next-generation big data technologies simpler to consume.
  • Cardholder insights / card issuer insights:
    • Customer life time value analysis
    • Collection strategies
    • Fraud risk scoring
  • Merchant analytics / acquiring bank analytics:
    • Merchant’s operational effectiveness
    • Merchant profitability
    • Merchant’s campaign effectiveness
  • Network insights
    • Market benchmark for merchants and issuers
    • Fraud scoring for e-commerce
    • Co-brand analytics

Payment security

  • Enterprise-wide fraud management platforms with real-time fraud scoring capabilities
  • Third-party products implementation – FICO Falcon, NICE Actimize etc.
  • Fraud detection and management that leverage analytics and decision science
  • Authentication solutions, EMV transaction processing, cryptography solutions, and HSM interfaces
  • Dispute and chargeback processing applications
  • Case management systems and dashboard management

Operational excellence

  • End-to-end program management and change management
  • Product evaluation, selection and implementation of third-party products for card management platforms, payment hubs, and loyalty platforms.
  • Quality assurance services
  • Reporting engine and dashboard implementation

Technology modernization

  • Roadmap refresh for card management platforms, payment hubs, and loyalty platforms:
    • Assessment of current platform, develop target state view and roadmap
    • Improve speed to market, eliminate redundancy, improve flexibility, and lower maintenance costs
  • Migration / re-hosting
    • Support migration from in-house platforms to third-party processor or vice-versa
    • Re-host mainframe-based card platforms on to lower TCO stacks (Linux and Windows)
  • Replacement of legacy platform
    • Rationalization of multiple platforms into a single unified platform
    • Third-party package implementation to replace legacy card management platforms, payment hubs, and loyalty platforms
    • System integration services to build single unified platform

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