The evolution of bank payment systems has been shaped by rising transaction volumes, customer expectations for speed and flexibility, and intensifying regulatory demands. Yet, most banks remain trapped in outdated payment processing models—either entangled within their core systems or spread thin across fragile gateway connectors—both of which hinder agility and control. While payment hubs emerged as a supposed answer, many legacy hubs have proven to be unwieldy collections of stitched-together systems that struggle to handle the diverse and rapidly evolving demands of modern payments.
This whitepaper explores why a fresh approach is urgently needed—one that gives banks direct control over payment orchestration without being hostage to vendors or bloated legacy systems. It argues for a modular, flexible orchestration layer where payment journeys are independently designed and deployed, powered by intuitive, domain-specific tools and SDKs. The future of payment processing belongs to banks that can adapt quickly, integrate effortlessly, and regain mastery over their payment stack.
The Payments Association
St Clement’s House
27 Clements Lane
London EC4N 7AE
© Copyright 2024 The Payments Association. All Rights Reserved. The Payments Association is the trading name of Emerging Payments Ventures Limited.
Emerging Ventures Limited t/a The Payments Association; Registered in England and Wales, Company Number 06672728; VAT no. 938829859; Registered office address St. Clement’s House, 27 Clements Lane, London, England, EC4N 7AE.
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