Overview
The payments industry is undergoing rapid transformation, driven by rising customer demands, emerging technologies, and new monetization opportunities. Infosys Cards and Payments practice helps businesses capitalize on opportunities in the fast-changing payments industry. We deliver agile, resilient, and modernized payments through self-funding transformation solutions. We create new payment possibilities, accelerating monetization at scale. Leveraging artificial intelligence (AI), machine learning (ML), blockchain, cloud, and data we unlock new possibilities. We enable:
2/3rd of the world’s cards payments
US $15 trillion in payment network volume
US $40 billion in purchase transactions with top merchant acquirers
18% of the world’s banking population
1.2 billion cards in force
Over US $18 billion transactions in monthly Unified Payment Interface (UPI) transactions in India
Infosys Cards and Payments practice differentiates itself through end-to-end capabilities across design, consulting, domain expertise, technology, and operations in payments. Our comprehensive approach integrates experience transformation to ensure seamless and intuitive interactions across the payment ecosystem. We help clients modernize their core, monetize data, and drive next-gen payments.
Infosys’ ABCDE Framework
Infosys helps clients navigate the speed and scale of payments transformation through five strategic themes, ensuring a holistic, future-proof approach to modernization.
A
AI-infused payments
Enhance experiences, reduce fraud, personalize offers, boost approvals, and automate risk as well as service workflows
B
Blockchain-powered programmable payments
Enable tokenization, open eCommerce, central bank digital currencies (CBDCs), stablecoins, secure global settlement, and quantum-safe transactions
C
Cloud-driven modernization
Implement ISO20022, modernize legacy systems, simplify messaging, and build microservices-based platforms
D
Payments data monetization
Use AI/ML for personalization, risk management, and open banking-driven value-added services
E
Ethics, compliance, and regulations
Strengthen risk controls, ensure resilience, and address digital as well as geopolitical risks
Reimagining Payments in a Digital-first World
Today’s consumers and businesses expect real-time, easy, secure, low-cost, and seamless payment experiences, anywhere, anytime. Evolving customer expectations, rising costs, and increasing regulatory pressures are accelerating the need for change. To stay competitive, all players in the payments ecosystem including banks, networks, fintechs, and enterprises must modernize infrastructure, digitalize offerings, form agile partnerships, and manage risks proactively.
At Infosys, we support end-to-end payment transformation to help clients respond faster to change and unlock new value across the payments value chain.
Enabling interoperability and decentralization
Supporting open platforms and seamless connectivity across custodians
Expanding control over the payments value chain
Allowing larger banks to manage more of the end-to-end process
Strengthening security and fraud prevention
Responding to increased complexity of threats and rising financial crime
Delivering convenience with security
Prioritizing core value through trusted and seamless transactions
Diversifying distribution channels
Reaching users across physical, ATM, online, mobile, embedded, and metaverse platforms
Fast-tracking innovation with advanced technologies
Leveraging platform as a service, tokenization, open/API banking, and generative AI (GenAI)
Powering Payments for Industry Leaders
Success lies in driving innovation, unlocking new markets, and building resilient payment operations. To navigate the evolving complexities, Infosys offers comprehensive solutions that address the entire spectrum of payment transformation needs.
Serving 5 of 5 top payment networks
Partnering with 4 of 10 top merchant acquirers
Supporting 4 of 5 top card issuers
Payment hub for more than 8 global banks
The Infosys Advantage
Infosys is a trusted strategic advisor, global partner, and proven innovator. With our deep domain expertise and operational insight, we help clients define future-ready strategies, implement operational change, and align business as well as technology roadmaps. Our business consulting approach brings together business, technology, product, and customer experience leaders to close the gaps between product strategy, vision, and delivery, accelerating time-to-market and maximizing value realization.
Infosys’ dedicated Payments CoE ensures standardized, future-ready solutions across the payments value chain. Our product-specific CoE and training academies drive innovation and scale through new services and product extensions.
Our suite of proprietary tools and accelerators, including Infosys Payments Modernization Suite, enable AI-driven message translation and enrichment to streamline platform modernization. We also offer 50+ blockchain accelerators for programmable payments, along with cloud-native assets that support scalable, cutting-edge payments architectures.
With 6,000 practitioners and over 500 domain experts, we deliver strategy consulting to help global clients reimagine business models and transform across the value chain.
We offer unique co-investment and risk-sharing models with outcome-based deal structuring and a focus on zero-cost transformation that mitigate risk and maximize value.
Our broad technology and domain expertise supports an agile, test-and-learn approach to product delivery that accelerates time-to-value.
Why Infosys?
We bring purpose-built industry intellectual properties (IPs) and a robust ecosystem of domain partners to deliver comprehensive and scalable payment solutions.
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