Agile Processing and Payments Innovation

Overcoming the Risks of Legacy Systems and Rapid Market Change

The velocity of change in the business world has never been greater and is increasing all the time. New technology has allowed unprecedented innovation matched by an insatiable appetite among consumers for new products. But for many fnancial institutions, this change has compressed product cycles and made it more difcult to execute business strategy. In a survey of Fortune 500 CEOs, 72 percent identifed the rapid pace of technological innovation as the greatest challenge faced by their companies.

For the payment providers – from card issuers to processing platforms – this challenge is especially acute with a number of inherent competitive risks. They could be outfanked by more innovative newcomers able to see the short-term trends and take advantage of them; overtaken by more nimble companies able to work in a world of compressed product development cycles; and abandoned by customers looking for products and services that are integrated seamlessly and work best in the context of how they run their lives.

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