Insights
Infosys Bank Tech Index, Volume 6: Cards and Payments Institutions
Payments technology is essential yet hampered by legacy infrastructure. Surveying 197 cards and payments institutions worldwide, the report finds that isolated upgrades will not transform payments, only modernization that balances innovation, security, and scale can. Aging platforms and fragmented integrations are exposing institutions to operational and compliance risk as transaction volumes grow and payment flows become more real time and data rich. AI is emerging as a practical accelerator of that modernization, stablecoins are moving from concept to consideration, and institutions are redirecting spend toward core technology, cybersecurity, and private cloud even while prioritizing cost reduction overall.
Key highlights include
AI is a practical modernization accelerator
40% of institutions say AI will enhance compliance and regulatory reporting, including AML and sanctions screening, while 37% see it speeding up legacy modernization and code migration.
Stablecoins have moved from concept to consideration
77% of cards and payments institutions view stablecoins as an opportunity, particularly for cross-border and e-commerce payments, and 40% are already partnering or building solutions.
Spend is shifting toward core tech and security
Even while prioritizing cost reduction, institutions increased spend on core technologies by 3.8% and cybersecurity by 3.3% in H1 2026, shifting cloud strategy toward private cloud for control and compliance.
Download the report to explore more.
For the complete findings across all banking segments, read the Infosys Bank Tech Index – Volume 6, or visit the Bank Tech Index home page to browse the full series.
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