Optimized Payments Surpasses 30 Billion Transactions on Harmonize, Powering Advanced Analytics for Leading Enterprises Optimized Payments’ Harmonize solution has now processed over 30 billion transactions and, by harnessing sophisticated analytics, has saved customers nearly $2 billion in processing fees. ATLANTA, GA, UNITED STATES, October 13, 2025 / EINPresswire.com / — Since its debut, the Harmonize engine from Optimized Payments has been adopted by corporations and financial institutions aiming for deeper insights into their transaction workflows and reduced operational expenses. Through machine-learning models and live analytics at each phase of the payment process—from authorization and routing to reconciliation—Harmonize uncovers ways to lower interchange rates, maximize network efficiency, and remove concealed charges. Key achievements for Harmonize include: • Exceeding 30 billion transactions processed across card, ACH, and alternative payment methods • Delivering nearly $2 billion in total fee savings to merchants via intelligent routing and dynamic rate negotiation • Cutting average reconciliation times by 40 percent, enabling finance teams to finalize books more quickly and accurately • Maintaining 99.99 percent uptime to support high-volume, mission-critical operations “Surpassing 30 billion transactions and securing almost $2 billion in cost savings for customers is a milestone for our organization,” said Priya Mehta, CEO of Optimized Payments. “We designed Harmonize to provide complete transparency in payment costs and to give businesses of any scale the ability to make data-driven choices that enhance their profitability. It’s gratifying to witness our clients achieve immediate fee reductions and long-term efficiency gains.” Early adopters include industries from retail and travel booking to online gaming and subscription-based services. A global retailer, for instance, saw cross-border fees drop by 25 percent in three months thanks to Harmonize’s automated currency routing and dynamic network optimization. Looking forward, Optimized Payments intends to enrich the Harmonize offering with: – Advanced fraud-detection algorithms powered by pattern-recognition technology – New API integrations for emerging digital currencies and regional instant payment networks – A self-service analytics dashboard that lets nontechnical users model fee-savings scenarios About Optimized Payments Optimized Payments is a payments-technology provider committed to helping organizations cut costs, improve cash flow, and increase transparency within intricate transaction ecosystems. Its flagship Harmonize platform blends big-data analytics, machine learning, and real-time decisioning to revolutionize how businesses manage and optimize payment processes. For more details, visit www.optimizedpayments.com. Contact: Sarah Liu VP of Marketing, Optimized Payments sliu@optimizedpayments.com +1 404-555-7890 ### 📊 Mark...
Optimized Payments' Harmonize reaches 30 billion transactions, saves $2 billion
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Breaking Free from Processor Lock-In by IXOPAY What if the very system powering your payments was also holding your business back? Global commerce has never been more connected. Yet many merchants are still tied to a single payment service provider (PSP), limiting their flexibility, cost efficiency, and ability to scale. This hidden dependency is called processor lock-in, and it’s one of the most overlooked growth barriers in payments today. ✅ What Processor Lock-In Really Means Processor lock-in happens when your stored card data lives in a PSP’s proprietary vault. It might seem convenient at first — fewer integrations, one partner to manage — but over time, it creates a dependency that’s hard to escape When each processor uses its own token format, merchants can’t easily migrate customer data or recurring billing setups. Moving to another provider often means re-onboarding customers, risking churn and operational disruption. The consequences? 🔹 Vendor dependency: your payment infrastructure lives under someone else’s roadmap. 🔹 Lost leverage: without alternatives, you can’t negotiate better fees or service levels. 🔹 Limited reach: global coverage requires multiple acquirers — no single PSP can do it all. And if that one provider faces an outage or raises prices, you bear the full cost. ✅ Why Owning Your Data Matters Owning your tokenized card data through an independent vault changes the game. It lets you route transactions dynamically, add or remove processors as needed, and build resilience into your stack. With a neutral, PCI-compliant vault, you gain: 🔹 Easier migration between PSPs 🔹 Smarter fallback and retry logic 🔹 Stronger negotiating power 🔹 Business continuity even during outages In short, data ownership equals control — and control drives growth. ✅ Embracing a Multiprocessor World According to the Merchant Risk Council, the average merchant already works with four processors and three acquiring banks. Why? Because no single partner dominates every region or payment type. Brazil’s PIX, Europe’s SEPA, or APAC’s local wallets all require specialized access. A multiprocessor strategy improves: 🔹 Flexibility to add partners as markets evolve 🔹 Performance through optimized routing 🔹 Localization for regional payment methods 🔹 Cost control via competitive pricing 🔹 Redundancy that eliminates single points of failure 👉 Steps to Break Free 🔹 Adopt a payment orchestration platform with multi-processor connectivity. 🔹 Ensure your tokens are vault-independent and portable. 🔹 Build your stack around smart routing and modular scaling. 🔹 Negotiate contracts with flexibility and data ownership in mind. 🔹 Align your team on independence — not reliance. The Freedom to Grow Breaking free from lock-in gives you the power to expand, negotiate, and innovate without being boxed in by a single provider. 👉 Subscribe for more insights https://lnkd.in/d94JgWBU #fintech #payments #paymentprocessing
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The Payments Strategist | The Future of Payments Is Changing. I Help Payments Companies & Acquirers Stay Ahead.
Why Mastercard's Payment Optimization Platform Can Give Acquirers An Edge If They Are Focused on Improving Authorization Rates. Yesterday, Mastercard launched their Payment Optimization Platform (POP), with launching partners Adyen, Worldpay, Tap Payments, and NEOPAY. While most were unaware of it, Mastercard claims that they have already seen early pilot results of 9-15% conversion increases. But what makes this different from all the other typical "optimization" products out there? The main difference is that POP operates at the network level, enriching authorization messages with insights from billions of Mastercard transactions in real-time. It evaluates over a trillion data element combinations to optimize each authorization attempt. A fundamental problem in Payments Optimization. Most acquirers are limited to what they can see within their own ecosystem. Even the best ML models can only work with the data they have access to. When you process 10M transactions monthly, you're building optimization strategies on 10M data points. Mastercard processes that volume every few hours across their entire network. The network effects are the real unlock here. Patterns that look like legitimate transactions in your data might be flagged differently when viewed through network-wide behavioral intelligence. Issuer-specific decline patterns you can't detect become visible. Real-time signals about merchant risk, velocity trends, and BIN performance inform each authorization. While most are focused on GenAI, the type of data Acquirers deal with, tend to be problems where ML can be applied much better. For example, Adyen, already has sophisticated ML-driven optimization built on their proprietary transaction data. This is where it gets interesting. Transformer architectures excel at finding complex patterns across massive datasets. But their performance scales directly with data quality and diversity. Now imagine, layering Mastercard's network-level intelligence on top of that foundational model. You're not replacing one data source with another, you're feeding a transformer-based system with complementary datasets that it can use to identify patterns neither source could reveal independently. Think of it as: Layer 1: Proprietary transaction patterns and merchant relationships Layer 2: Network-wide intelligence spanning billions of transactions Layer 3: Transformer models finding non-obvious correlations across both Being apart of network initiatives like this, is what separates the leaders from the followers in this industry. They're the ones who recognize that modern authorization optimization requires combining internal intelligence with network-level insights that no single player can replicate alone. Are you looking to use Mastercard's POP solution? P.S. For more Payments Strategy, check out my newsletter https://lnkd.in/e6eXZrF9
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Very interesting article by Dwayne Gefferie about the recent launch of Payment Optimization Platform (POP) by Mastercard with partners: Worldpay , Adyen, Tap Payments, and NEOPAY. While most were unaware of it, Mastercard claims that they have already seen early pilot results of 9-15% conversion increases. Mastercard's Payment Optimization Platform Can Give Acquirers An Edge If They Are Focused on Improving Authorization Rates. Mastercard Worldpay #POP #PaymentOptimizationPlatform #conversionincrease #authorizationrates
The Payments Strategist | The Future of Payments Is Changing. I Help Payments Companies & Acquirers Stay Ahead.
Why Mastercard's Payment Optimization Platform Can Give Acquirers An Edge If They Are Focused on Improving Authorization Rates. Yesterday, Mastercard launched their Payment Optimization Platform (POP), with launching partners Adyen, Worldpay, Tap Payments, and NEOPAY. While most were unaware of it, Mastercard claims that they have already seen early pilot results of 9-15% conversion increases. But what makes this different from all the other typical "optimization" products out there? The main difference is that POP operates at the network level, enriching authorization messages with insights from billions of Mastercard transactions in real-time. It evaluates over a trillion data element combinations to optimize each authorization attempt. A fundamental problem in Payments Optimization. Most acquirers are limited to what they can see within their own ecosystem. Even the best ML models can only work with the data they have access to. When you process 10M transactions monthly, you're building optimization strategies on 10M data points. Mastercard processes that volume every few hours across their entire network. The network effects are the real unlock here. Patterns that look like legitimate transactions in your data might be flagged differently when viewed through network-wide behavioral intelligence. Issuer-specific decline patterns you can't detect become visible. Real-time signals about merchant risk, velocity trends, and BIN performance inform each authorization. While most are focused on GenAI, the type of data Acquirers deal with, tend to be problems where ML can be applied much better. For example, Adyen, already has sophisticated ML-driven optimization built on their proprietary transaction data. This is where it gets interesting. Transformer architectures excel at finding complex patterns across massive datasets. But their performance scales directly with data quality and diversity. Now imagine, layering Mastercard's network-level intelligence on top of that foundational model. You're not replacing one data source with another, you're feeding a transformer-based system with complementary datasets that it can use to identify patterns neither source could reveal independently. Think of it as: Layer 1: Proprietary transaction patterns and merchant relationships Layer 2: Network-wide intelligence spanning billions of transactions Layer 3: Transformer models finding non-obvious correlations across both Being apart of network initiatives like this, is what separates the leaders from the followers in this industry. They're the ones who recognize that modern authorization optimization requires combining internal intelligence with network-level insights that no single player can replicate alone. Are you looking to use Mastercard's POP solution? P.S. For more Payments Strategy, check out my newsletter https://lnkd.in/e6eXZrF9
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Head of Product | Payment Optimization | Fraud & Risk | Embedded Finance | Ravelin Board Member
Great insights from Dwayne Gefferie on Mastercard’s new Payment Optimization Platform! Early pilot results from Mastercard show conversion increases of up to 15%! At Worldpay, we’re thrilled to be an early adopter of this innovative solution. Where we are integrating Mastercard’s Payment Optimization Platform (POP) into our Managed Optimization Service, Revenue Boost, to help our clients maximize conversion rates and deliver better customer experiences! #Payments #Fintech #Innovation #Optimization #Worldpay #Mastercard
The Payments Strategist | The Future of Payments Is Changing. I Help Payments Companies & Acquirers Stay Ahead.
Why Mastercard's Payment Optimization Platform Can Give Acquirers An Edge If They Are Focused on Improving Authorization Rates. Yesterday, Mastercard launched their Payment Optimization Platform (POP), with launching partners Adyen, Worldpay, Tap Payments, and NEOPAY. While most were unaware of it, Mastercard claims that they have already seen early pilot results of 9-15% conversion increases. But what makes this different from all the other typical "optimization" products out there? The main difference is that POP operates at the network level, enriching authorization messages with insights from billions of Mastercard transactions in real-time. It evaluates over a trillion data element combinations to optimize each authorization attempt. A fundamental problem in Payments Optimization. Most acquirers are limited to what they can see within their own ecosystem. Even the best ML models can only work with the data they have access to. When you process 10M transactions monthly, you're building optimization strategies on 10M data points. Mastercard processes that volume every few hours across their entire network. The network effects are the real unlock here. Patterns that look like legitimate transactions in your data might be flagged differently when viewed through network-wide behavioral intelligence. Issuer-specific decline patterns you can't detect become visible. Real-time signals about merchant risk, velocity trends, and BIN performance inform each authorization. While most are focused on GenAI, the type of data Acquirers deal with, tend to be problems where ML can be applied much better. For example, Adyen, already has sophisticated ML-driven optimization built on their proprietary transaction data. This is where it gets interesting. Transformer architectures excel at finding complex patterns across massive datasets. But their performance scales directly with data quality and diversity. Now imagine, layering Mastercard's network-level intelligence on top of that foundational model. You're not replacing one data source with another, you're feeding a transformer-based system with complementary datasets that it can use to identify patterns neither source could reveal independently. Think of it as: Layer 1: Proprietary transaction patterns and merchant relationships Layer 2: Network-wide intelligence spanning billions of transactions Layer 3: Transformer models finding non-obvious correlations across both Being apart of network initiatives like this, is what separates the leaders from the followers in this industry. They're the ones who recognize that modern authorization optimization requires combining internal intelligence with network-level insights that no single player can replicate alone. Are you looking to use Mastercard's POP solution? P.S. For more Payments Strategy, check out my newsletter https://lnkd.in/e6eXZrF9
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Transaction Banking Specialist I Payments, Cash Management & Liquidity solutions I Said Business School, University of Oxford
💳 The next wave of B2B payments isn’t coming — it’s already here. We’ve moved from in-person deals and paper cheques… to online commerce, global teams, and digital ecosystems that run 24/7. Yet, many businesses still rely on traditional cards and manual payment processes — slow approvals, limited visibility, high fees, and constant fraud risks. 💡 The Evolution We’re Living Through When I started working in corporate banking, payments were still largely manual. Cheques, wire transfers, shared cards — that was the norm. Then came corporate cards, which gave businesses flexibility. But as global operations scaled, so did the problems: • Shared cards meant shared risk. • Limited visibility meant finance teams were always reconciling after the fact. • Lost or stolen cards could take days to replace. That’s where the next generation of innovation emerged — Virtual Cards. 💳 What Makes Virtual Cards Different? Virtual Cards are not just digital versions of physical cards. They represent a complete reimagination of how businesses pay, track, and control money. Each card can be: ✅ Created instantly ✅ Linked to a specific purpose, vendor, or employee ✅ Set with spending limits, expiry dates, or merchant categories ✅ Protected by dynamic CVVs that change automatically ✅ Tracked in real-time, giving finance teams instant visibility They combine the speed of digital with the control of treasury systems, bringing a new level of intelligence to payments. 🌍 Real-World Examples 🧳 Corporate Travel: A multinational manages trip-specific spend — limits by merchant, category, or geography — ensuring compliance and no overspending. 🚴♂️ Marketplaces & Gig Platforms: Delivery riders or freelancers are paid instantly via virtual cards — improving cash flow and removing dependency on slow bank transfers. 🔐 The Broader Shift: Programmable Money Global networks like Visa and Mastercard, along with fintech innovators, are embedding virtual cards directly into corporate ecosystems. This is creating a world where every transaction is programmable, traceable, and secure. Virtual cards are not just a payment tool, they are fast becoming the operating system of digital business finance. ⸻ 🔮 What’s Next: The Convergence Era We’re now entering a stage where different payment innovations are blending together. • Virtual Cards are solving control and visibility. • Instant Payments are solving timing and liquidity. The future won’t be one or the other — it’ll be a hybrid model where businesses use the best of all worlds to move money smarter and faster. One thing is certain: The future of corporate payments is digital, data-driven, and already unfolding around us. #Payments #B2BPayments #VirtualCards #Fintech #Innovation #TransactionBanking #DigitalTransformation #Visa #Mastercard
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Business Solutions | Retail Liabilities | AML-Compliance | Payments | Embedded Finance | Open Banking | BaaS | Digital Bank | Partner Ecosystem | FinTech |
Payments 4.0 – The Next Leap in India’s Digital & Cross-Border Payments isn’t just the next version of digital payments — it’s the moment when intelligence, trust & global connectivity converge. India’s payment landscape has transformed from paper-based instruments to one of the world’s most advanced digital ecosystems. UPI made instant, low-cost, interoperable payments a daily reality — but the next phase, Payments 4.0, goes beyond speed. It’s about intelligence, trust & global reach. Payments 4.0 marks the convergence of AI, blockchain & API-led architecture — reshaping how institutions manage risk, authenticate transactions & enable borderless connectivity. AI-led behavioural analytics & real-time anomaly tracking are turning fraud management into a continuous, self-learning process. Blockchain brings transparency & efficiency to cross-border settlements, cutting intermediaries, cost & settlement time. From April 2026, RBI will phase out OTP-based second-factor authentication under its Digital Payment Authentication Directions. The shift toward biometric, device & risk-based models will enhance safety & convenience through contextual, AI-driven security that adapts dynamically to user behaviour & transaction context. This aligns India’s digital infrastructure with global standards of adaptive authentication — where intelligence replaces static rules. UPI’s linkages with PayNow (Singapore) & AANI (UAE), and upcoming corridors with Europe & Africa, underline India’s ambition to make payments borderless & interoperable. RBI’s Global SFMS (Structured Financial Messaging System) will further simplify & standardize international payments — offering an interoperable, blockchain-ready alternative to SWIFT for selected corridors. Together with AI-driven compliance, it can accelerate settlement, enhance transparency & strengthen India’s position as a global payment hub. Banks are evolving into platform orchestrators — embedding payments into e-commerce, logistics & investment ecosystems through APIs. Use cases like virtual accounts, instant refunds & digital cash management are enabling real-time liquidity visibility. API partnerships for deposits & investments are expanding reach through Banking-as-a-Service, driving better data & new experiences. Payments 4.0 is not a tech upgrade — it’s a strategic reset. New revenue from API monetization & real-time cross-border flows. Smarter risk control via AI-led surveillance & adaptive authentication. Operational resilience through blockchain-enabled transparency. Early movers gain compliance readiness & customer trust. Payments 4.0 is where innovation meets compliance — and intelligence meets trust. The banks that build for this future won’t just process payments — they’ll define the next era of connected, secure & intelligent finance. #PaymentsInnovation #DigitalBanking #Blockchain #RBI #CrossBorderPayments #FintechIndia #AIML #RegTech #APIEconomy #BankingTransformation
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Co-Founder @ Connecting the dots in Payments... | Global Revenue at VGS | Board Member | FinTech Advisor | Ex-Pro Tennis Player
🚨 𝐓𝐡𝐞 𝐀𝐧𝐚𝐭𝐨𝐦𝐲 𝐨𝐟 𝐚 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐎𝐫𝐜𝐡𝐞𝐬𝐭𝐫𝐚𝐭𝐢𝐨𝐧 𝐏𝐥𝐚𝐭𝐟𝐨𝐫𝐦 — by CellPoint Digital 👇 Behind every online payment lies a complex web of banks, card schemes, and processors. For global merchants, managing this manually is a recipe for friction, failed transactions, and lost revenue. That’s where Payment Orchestration Platforms (POPs) step in — unifying fragmented payment systems into one streamlined layer. 𝐍𝐨𝐭𝐞: Orchestrators are great platforms to innovate with, A/B test and have access to innovation quickly. New markets, new payment flows & channels, they are a great first option to try out new things without over-committing to a single PSP. Once you have selected a primary partner, having direct integrations is definitely a best practice to enable redundancy and build relationships directly with your key partners. — 𝐖𝐡𝐚𝐭 𝐈𝐬 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐎𝐫𝐜𝐡𝐞𝐬𝐭𝐫𝐚𝐭𝐢𝐨𝐧? A Payment Orchestration Platform integrates all players in the payment chain — from merchants and acquirers to card schemes and issuers — into a single, coordinated flow. Instead of juggling multiple providers and integrations, merchants gain one control center to: ► Route transactions intelligently ► Optimize authorization success ► Add new payment methods quickly ► Automate back-end reconciliation — 𝐓𝐡𝐞 𝐂𝐨𝐫𝐞 𝐒𝐭𝐞𝐩𝐬 𝐢𝐧 𝐎𝐫𝐜𝐡𝐞𝐬𝐭𝐫𝐚𝐭𝐢𝐨𝐧: 1️⃣ Payment Setup & Management – onboarding acquirers, wallets, and APMs. 2️⃣ Pre-Payment Processing – fraud checks, FX, and routing logic. 3️⃣ Payment Processing – real-time transaction execution across schemes. 4️⃣ Back-End Processing – reconciliation, settlement, and reporting. 𝐑𝐞𝐚𝐥 𝐔𝐬𝐞 𝐂𝐚𝐬𝐞𝐬 - the results speak for themselves: ✈️ A Tier-1 global airline consolidated its storefront and boosted revenue by $19M (+2.4%). ✈️ Another Tier-3 airline leveraged FX, APMs, and routing to unlock $158M ROI (+6.6%). Payment orchestration isn’t just a technical upgrade — it’s a strategic lever for growth, turning payments from a cost center into a revenue driver. — Source: CellPoint Digital ► The Payments Brews ☕: https://lnkd.in/g5cDhnjC ► Connecting the dots in Payments... | Marcel van Oost
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Introducing Yethi’s Financial Cloud for Retail Payments State-of-the-art payment capabilities. Zero infrastructure set-up burden. Enhanced agility. Retail payments are evolving faster than ever — and legacy platforms simply can’t keep pace. Banks today need speed, scale, and continuous innovation without the cost and complexity of building and managing payment infrastructure. That’s how Yethi’s Payments Marketplace-as-a-Service (PMaaS) transforms the rules of the game. Yethi’s Financial Cloud enables banks and financial institutions to: · Subscribe to modern payment options rapidly · Stay continuously compliant with evolving regulations · Go live faster · Build resilience with a highly available, secure architecture · Scale on-demand with a cloud-native foundation, offered as a fully managed subscription All while staying focused on what matters most: customer trust, experience, and growth. “The payments landscape is changing faster than ever. Banks must innovate without disruption, and without the burden of managing infrastructure. Yethi’s Financial Cloud empowers institutions to modernize at speed, stay compliant, and unlock future-ready retail payment capabilities — from real-time payments and merchant services to regional Jaywan cards, digital wallets, Buy Now Pay Later, and CBDC-ready solutions. With PMaaS, banks can deliver differentiated customer experiences, faster and at scale.” — Buddhadeb Das Gupta, EVP and Global Head – Payments & Digital Solutions The future of retail payments is here — delivered as a service. Are you ready? 👉 Explore PMaaS: https://lnkd.in/dE2r976m #Payments #PMaaS #BankingTransformation #DigitalPayments #FintechInnovation #FinancialServices #CloudBanking #PaymentModernization #FutureOfPayments #RetailPayments #BFSIInnovation #Yethi
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🚨 𝗖𝗼𝗺𝗽𝗹𝗲𝘁𝗲 𝐃𝐢𝐠𝐢𝐭𝐚𝐥 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝗙𝗿𝗮𝗺𝗲𝘄𝗼𝗿𝗸 🚨 🔗𝗗𝗼𝘄𝗻𝗹𝗼𝗮𝗱 𝗣𝗗𝗙 𝗕𝗿𝗼𝗰𝗵𝘂𝗿𝗲: https://lnkd.in/ddQFF2Hq 🔸 𝐓𝐨𝐩 𝐓𝐞𝐜𝐡𝐧𝐨𝐥𝐨𝐠𝐢𝐞𝐬: ➼Blockchain (for secure, transparent payments) ➼NFC (Near Field Communication) ➼AI & ML (fraud detection, credit scoring) ➼Cloud computing (scalable infrastructure) ➼APIs & SDKs (integration across platforms) The Digital Payment Market size was valued at USD 111.2 billion in 2023 and is expected to grow at a CAGR of 11.8% from 2023 to 2028. The revenue forecast for 2028 is projected to reach USD 193.7 billion. 💳 Payment Processor A payment processor handles the transaction between the buyer’s and seller’s banks. They authorize the transaction and ensure funds are moved securely. Top Technologies: ➼Tokenization & Encryption ➼PCI DSS Compliance Systems ➼Payment orchestration platforms 🔐 Payment Gateway A payment gateway securely transmits payment data from the customer to the acquiring bank. It acts as a virtual terminal for online payments. Top Technologies: ➼API integrations ➼3D Secure (3DS2) ➼AI-powered risk analytics 📱 Payment Wallet A digital wallet allows users to store money digitally and make instant payments through smartphones or desktops. Top Technologies: ➼QR Code tech ➼Biometric authentication ➼Tokenization for security 🖥️ POS Solution Point of Sale (POS) systems facilitate in-person transactions and include both hardware and software components. Top Technologies: ➼IoT-enabled POS terminals ➼Cloud-based POS software ➼Mobile POS (mPOS) 🔸 Transaction Type ✅ Domestic Transactions Transactions conducted within the same country. Tech Focus: ➼Local clearing houses ➼Real-time payments ➼Country-specific compliance 🌍 Cross-Border Transactions Payments between parties in different countries, often requiring currency exchange and regulatory compliance. Tech Focus: ➼SWIFT messaging ➼Blockchain-based remittances ➼FX Conversion APIs ➼AML/KYC compliance automation 💸 Payment Modes 💳 CARDS Physical or virtual debit/credit cards used for payment. Tech: ➼EMV chip ➼Tokenization ➼Contactless (Tap to Pay) 📲 DIGITAL WALLET See earlier section – enables tap-to-pay and online payments with saved credentials. 🔁 AUTOMATED CLEARING HOUSE (ACH) TRANSFER A U.S.-based network for batch-processing bank-to-bank transfers. Top Technologies: ➼NACHA compliance systems ➼Same Day ACH ➼Account validation APIs #DigitalPayment #Fintech #Cashless #ContactlessPayment #MobileWallet
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FSI Sales @ Google | Driving Growth through Strategic Relationships | Google Cloud Digital Leader
Macquarie Bank Democratizes Agentic AI, Scaling Customer Innovation with Gemini Enterprise. Macquarie Group-Bank-Democratizes-#Agentic-AI,-Scaling-Customer-Innovation-with-Google Cloud #Gemini-Enterprise Macquarie’s Banking and #Financial Services group (Macquarie Bank), in collaboration with Google Cloud, today announced it is setting a new benchmark in Australian retail banking by rolling out new agentic capabilities to elevate the customer experience, enhance employee productivity, and accelerate decision-making. Building on its multi-year partnership with Google Cloud, Macquarie Bank has become an early adopter of Gemini Enterprise, an agentic platform designed to bring the full power of Google’s AI to every employee. https://lnkd.in/dDgVeuXQ
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