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About Financial Services

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.

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What's Happening

Delivering New Payment Possibilities

Viewpoint

Changing Imperatives in Cross Border Payments

Analyst Recognition

Infosys in a Leader in Payment and Card Processing Services

Case Study

ITRS Implementation for a Payments Industry Major

Our Offerings

Future of Payments, Built on Intelligence and Trust Infosys delivers new payment possibilities across four outcome-driven pillars. Our offering ensures optimized customer experiences, accelerated innovation, trusted transformation, and future resilience.

  • E-wallets, QR code, and wearable payments
  • Dynamic, digital payment orchestration using GenAI
  • Virtual assistants and chatbots powered by natural language processing (NLP)

  • Al/ML-driven payments data monetization
  • GenAI for next-best offer and intelligent workflows
  • Agentic AI for personalized assistance

  • Advanced compliance frameworks
  • Biometric authentication
  • Data encryption at rest and in motion
  • Seamless payment gateway integration
  • AI-driven fraud detection and prevention

  • Open banking application programming interfaces (APIs) for interoperability
  • Agile, modular processing platforms
  • Real-time payments infrastructure
  • Blockchain-based cross-border payments
  • Stablecoins
  • CBDCs
Insights

Insights For You

Get a deeper understanding of Power Platform ecosystem.

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The Blueprint of an AI-first Financial Institution
  • Financial Services
  • Financial and Banking services
  • AI and Automation
Payments: Going from AI to AI-first
  • Financial and Banking services
  • Financial Services
  • Business Model Transformation

How we can help

Infosys’ Offerings for Payments Transformations

Infosys partners with clients to transform the payments landscape. Combining deep industry expertise, cutting-edge technology, and over 10,000 financial services specialists, we deliver end-to-end transformation across the entire payments value chain. With global scale, more than 500 industry-specific assets, innovation hubs, and flexible business models, we help clients achieve tangible business outcomes across various payment infrastructures. Infosys’ proprietary digital accelerators help enable real-time, secure, and personalized experience, so our clients can fast-track innovation and unlock growth.

Modernizing the Foundation

  • Enabling seamless, real-time payment experiences
  • Building interoperable ecosystems
  • Modernizing legacy infrastructure

Monetizing the Infrastructure

  • Launching new payments-as-a-service models
  • Monetizing payments data
  • Powering cutting-edge marketplaces

Driving Next-gen Payments

  • Deploying hybrid stacks for real-time point-of-sale (PoS) payments
  • Enabling secure, fast, cross-border transactions
  • Preparing for cryptocurrency such as stablecoins, metaverse, and Web 3.0 adoption

Success Stories

Discover how Infosys is driving transformation and delivering measurable results for leading financial institutions globally

Multi-year issuer processing platform transformation for a global card processor

Delivered managed services and cloud-first modernization, enabling 400% cardholder growth, onboarding over 30 clients, and launching products like NFC wallets, biometric cards, and QR payments. Achieved US $550K–600K in annual mainframe savings with zero KPI misses in seven years

Next-gen authorization, clearing, and settlement for a global card network

Built a high-performance, distributed transaction processing system using open standards, delivering millisecond-level response times, 99.9999% availability, and faster product rollout

Real-time payments platform for leading Australian bank

Implemented the New Payments Platform (NPP) with full scheme compliance and the highest straight-through processing, enabling innovative customer payment services and real-time notifications

Blockchain-based cross-border payments for the India-UAE corridor

Partnered with ICICI Bank and Emirates NBD to enable end-to-end cross-border payments in 36 seconds, improving visibility, reducing friction, automating reconciliation, and accelerating cycle times

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