[{"data":1,"prerenderedAt":547},["ShallowReactive",2],{"nav_featured_podcast":3,"nav_featured_press_release":21,"navigation_content":30,"payment_insight:case-study-nationwide-and-form3-on-migrating-payments":377},{"uid":4,"title":5,"episodeLabel":6,"dateLabel":7,"episodeArt":8,"href":20},"from-payment-rails-to-connectivity","From Payment Rails to Connectivity, with The Clearing House's David Watson","EPISODE 5","August 18, 2026",{"dimensions":9,"alt":12,"copyright":13,"url":14,"id":15,"edit":16},{"width":10,"height":11},1064,652,"Payments Cannot Fail — Episode 05 with David Watson",null,"\u002F_prismic-media\u002Fd80df2e47c3ecb6f-cFcyPAgzKCMQEaND_Episode-05-David.jpg","cFcyPAgzKCMQEaND",{"x":17,"y":17,"zoom":18,"background":19},0,1,"transparent","\u002Fresources\u002Fpodcasts\u002Ffrom-payment-rails-to-connectivity",{"uid":22,"title":23,"tag":24,"dateLabel":25,"imageUrl":26,"imageAlt":27,"href":28,"imageFit":29},"form3-expands-strategic-partnership-with-sumup","Form3 expands strategic partnership with SumUp to bring real-time SEPA payments to millions of European small businesses","EU","February 25, 2026","\u002F_prismic-media\u002F3e91177f91478610-QA44Gzev0_tdg3ZI_SumUp.jpg","sumup","\u002Fresources\u002Fpress-releases\u002Fform3-expands-strategic-partnership-with-sumup","cover",{"header":31,"platform":59,"solutions":91,"developers":133,"company":155,"resources":184,"partnerships":208,"footer":220,"mobile":324},{"ctaLabel":32,"ctaHref":33,"topNav":34},"TALK TO OUR TEAM","\u002Fcontact",[35,39,43,47,51,55],{"label":36,"href":37,"key":38},"Platform","\u002Fplatform","platform",{"label":40,"href":41,"key":42},"Solutions","\u002Fsolutions","solutions",{"label":44,"href":45,"key":46},"Developers","\u002Fdevelopers","developers",{"label":48,"href":49,"key":50},"Company","\u002Fcompany","company",{"label":52,"href":53,"key":54},"Resources","\u002Fresources","resources",{"label":56,"href":57,"key":58},"Partnerships","\u002Fpartnerships","partnerships",{"sectionEyebrow":60,"primary":61,"productLinks":65,"enterprise":81,"trustFabric":86},"Explore the Platform",{"heading":62,"body":63,"ctaLabel":64,"ctaHref":37},"Our Payments Platform","A resilient, cloud-native platform powering real-time account-to-account payments at global scale.","See How It Works",[66,69,72,75,78],{"label":67,"href":68},"Payments Processing & Gateway","\u002Fpayments-processing-gateway",{"label":70,"href":71},"Orchestration & Intelligent Routing","\u002Forchestration-intelligent-routing",{"label":73,"href":74},"Payments Simulator","\u002Fpayments-simulator",{"label":76,"href":77},"Sponsor Bank Enablement","\u002Fsponsor-bank-enablement",{"label":79,"href":80},"Inform3d UI","\u002Finform3d-ui",{"heading":82,"body":83,"ctaLabel":84,"ctaHref":85},"Form3 Enterprise","Deploy and manage proven cloud-native payments technology in the environment that works for your institution.","Deploy Enterprise","\u002Fplatform\u002Fenterprise",{"heading":87,"body":88,"ctaLabel":89,"ctaHref":90},"Form3 Trust Fabric","Manage TLS certificates, cryptographic vulnerabilities and quantum readiness at scale, with continuous visibility.","Deploy Trust Fabric","\u002Fplatform\u002Ftrust-fabric",{"regionsIntro":92,"regions":98,"industries":118},{"eyebrow":93,"heading":94,"headingLine2":95,"body":96,"ctaLabel":64,"ctaHref":97},"Regions","Global Reach.","Regional Expertise.","A proven payments platform serving organizations worldwide, with specialized experience across North America, United Kingdom, and Europe.","\u002Fglobal",[99,108,113],{"label":100,"description":101,"ctaLabel":102,"href":103,"extraLinks":104},"North America","Real-time infrastructure, through a resilient, multi-cloud platform built for scale and regulatory confidence.","US HOME","\u002Fsolutions\u002Funited-states",[105],{"label":106,"href":107},"CANADA HOME","\u002Fsolutions\u002Fcanada",{"label":109,"description":110,"ctaLabel":111,"href":112},"United Kingdom","Powering account-to-account payments at the heart of the UK financial ecosystem, with proven resilience.","UK HOME","\u002Fsolutions\u002Funited-kingdom",{"label":114,"description":115,"ctaLabel":116,"href":117},"Europe","Enabling secure, real-time and SEPA payments across European markets through a unified, cloud-native platform.","EUROPE HOME","\u002Fsolutions\u002Feurope",{"eyebrow":119,"links":120},"Industries",[121,125,129],{"label":122,"href":123,"iconSrc":124},"Financial Services","\u002Fsolutions\u002Findustries\u002Ffinancial-services","\u002F_prismic-media\u002F29c09c45caa89db9-kbUHZmgTmuIMbo1t_FinancialServices_menu.svg",{"label":126,"href":127,"iconSrc":128},"Fintech","\u002Fsolutions\u002Findustries\u002Ffintech","\u002F_prismic-media\u002F6de3e7cb4dd8d874-SjwNe6Nh-bbuTi0P_Fintech_menu.svg",{"label":130,"href":131,"iconSrc":132},"Government","\u002Fsolutions\u002Findustries\u002Fgovernment","\u002F_prismic-media\u002Fe71bc3a74a1d2142-kaGgdituzKDnVTbm_Government_menu.svg",{"engineering":134,"api":142,"pressEyebrow":154},{"eyebrow":135,"links":136},"Engineering",[137,139],{"label":135,"href":138},"\u002Fengineering",{"label":140,"href":141},"Accreditations","\u002Faccreditations",{"eyebrow":143,"links":144},"API",[145,148,151],{"label":146,"href":147},"API Docs","https:\u002F\u002Fwww.api-docs.form3.tech\u002F",{"label":149,"href":150},"API Tutorials","https:\u002F\u002Fwww.api-docs.form3.tech\u002Fapi\u002Ftutorials\u002Fgetting-started\u002Fintroduction",{"label":152,"href":153},"API Status","https:\u002F\u002Fstatus.form3.tech\u002F","Latest Press Release",{"about":156,"people":171,"podcastEyebrow":183},{"eyebrow":157,"links":158},"About",[159,162,165,168],{"label":160,"href":161},"Our Story","\u002Fcompany\u002Four-story",{"label":163,"href":164},"Our Team","\u002Fcompany\u002Fteam",{"label":166,"href":167},"Our Success & Strategic Approach","\u002Fcompany\u002Four-success",{"label":169,"href":170},"Customer Stories","\u002Fcompany\u002Fcustomer-stories",{"eyebrow":172,"links":173},"People",[174,177,180],{"label":175,"href":176},"Careers","\u002Fcompany\u002Fcareers",{"label":178,"href":179},"Vacancies","\u002Fcompany\u002Fvacancies",{"label":181,"href":182},"Culture","\u002Fcompany\u002Fculture","Latest Podcast",{"intro":185,"links":189,"pressEyebrow":154,"podcastEyebrow":183},{"eyebrow":52,"heading":186,"body":187,"ctaLabel":188,"ctaHref":53},"Form3 Resources","Our Resources bring together thought leadership, engineering insights, payments expertise, webinars, podcasts, whitepapers, company news and stories from our teams—all in one place.","LEARN MORE",[190,193,196,199,202,205],{"label":191,"href":192},"Payments Cannot Fail Podcast","\u002Fresources\u002Fpodcasts",{"label":194,"href":195},"Press Releases","\u002Fresources\u002Fpress-releases",{"label":197,"href":198},"Payment Insights","\u002Fresources\u002Fpayment-insights",{"label":200,"href":201},"Culture Blog","\u002Fresources\u002Fculture-blog",{"label":203,"href":204},"Engineering Blog","\u002Fresources\u002Fengineering-blog",{"label":206,"href":207},"Events","\u002Fevents",{"intro":209,"links":213,"pressEyebrow":154},{"eyebrow":56,"heading":210,"body":211,"ctaLabel":212,"ctaHref":57},"Partner with Form3","Explore how Form3 works with banks, fintechs, cloud providers, technology platforms and system integrators to accelerate payment modernization, strengthen customer offerings and unlock new opportunities for growth.","Let's Partner Together",[214,217],{"label":215,"href":216},"Technical & Ecosystem Partners","\u002Fpartnerships\u002Ftechnical-ecosystem",{"label":218,"href":219},"Channel & Distribution Partners","\u002Fpartnerships\u002Fchannel-distribution",{"platform":221,"region":228,"development":239,"company":247,"resources":258,"partnerships":266,"stayConnected":271,"legalLinks":291,"certifications":313},{"title":36,"links":222},[223,224,225,226,227],{"label":62,"href":37},{"label":67,"href":68},{"label":70,"href":71},{"label":73,"href":74},{"label":76,"href":77},{"title":229,"links":230},"Region",[231,233,235,236,237],{"label":232,"href":97},"Global",{"label":234,"href":103},"United States",{"label":109,"href":112},{"label":114,"href":117},{"label":238,"href":107},"Canada",{"title":240,"links":241},"Development",[242,243,244,245,246],{"label":135,"href":138},{"label":140,"href":141},{"label":146,"href":147},{"label":149,"href":150},{"label":152,"href":153},{"title":48,"links":248},[249,250,251,252,253,254,255],{"label":160,"href":161},{"label":163,"href":164},{"label":169,"href":170},{"label":175,"href":176},{"label":178,"href":179},{"label":181,"href":182},{"label":256,"href":257},"Net Zero","\u002Fcompany\u002Fnet-zero",{"title":52,"links":259},[260,261,262,263,264,265],{"label":186,"href":53},{"label":191,"href":192},{"label":194,"href":195},{"label":200,"href":201},{"label":203,"href":204},{"label":206,"href":207},{"title":56,"links":267},[268,269,270],{"label":210,"href":57},{"label":215,"href":216},{"label":218,"href":219},{"title":272,"body":273,"ctaLabel":32,"ctaHref":33,"social":274},"Stay Connected","Form3 is a global account-to-account financial fabric delivering a proven payments platform trusted by banks and fintechs to deliver resilient, real-time payment experiences for their customers at scale.",[275,279,283,287],{"label":276,"href":277,"icon":278},"LinkedIn","https:\u002F\u002Fwww.linkedin.com\u002Fcompany\u002Fform3-financial-cloud\u002F","linkedin",{"label":280,"href":281,"icon":282},"X","https:\u002F\u002Fwww.x.com\u002FForm3Cloud","x",{"label":284,"href":285,"icon":286},"YouTube","https:\u002F\u002Fwww.youtube.com\u002F@Form3Cloud","youtube",{"label":288,"href":289,"icon":290},"Instagram","https:\u002F\u002Fwww.instagram.com\u002Fform3.tech","instagram",[292,295,298,301,304,307,310],{"label":293,"href":294},"Terms & Conditions","\u002Flegal\u002Fterms-and-conditions",{"label":296,"href":297},"Privacy Policy","\u002Flegal\u002Fdata-privacy-statement",{"label":299,"href":300},"Recruitment Data Policy","\u002Flegal\u002Frecruitment-data-policy",{"label":302,"href":303},"Modern Slavery Statement","\u002Flegal\u002Fmodern-slavery",{"label":305,"href":306},"License","\u002Flegal\u002Flicense",{"label":308,"href":309},"Cookie Policy","\u002Flegal\u002Fcookie-policy",{"label":311,"href":312},"Manage Cookies","#cookies",[314,316,318,320,322],{"label":315},"ISO 27001",{"label":317},"ISO 27017",{"label":319},"ISO 27018",{"label":321},"ISAE 3000 SOC 2 Type II",{"label":323},"ISO 22301",{"platform":325,"solutions":340,"developers":354,"company":364,"resources":365,"partnerships":373},[326,328,338,339],{"kind":327,"label":62,"href":37},"link",{"kind":329,"label":60,"children":330},"group",[331,332,333,334,336],{"label":67,"href":68},{"label":70,"href":71},{"label":73,"href":74},{"label":76,"href":335},"\u002Fplatform\u002Fsponsor-bank-enablement",{"label":79,"href":337},"\u002Fplatform\u002Finform3d-ui",{"kind":327,"label":82,"href":85},{"kind":327,"label":87,"href":90},[341,343,349],{"kind":327,"label":232,"href":342},"\u002Fsolutions\u002Fglobal",{"kind":329,"label":93,"children":344},[345,346,347,348],{"label":234,"href":103},{"label":238,"href":107},{"label":109,"href":112},{"label":114,"href":117},{"kind":329,"label":119,"children":350},[351,352,353],{"label":122,"href":123},{"label":126,"href":127},{"label":130,"href":131},[355,359],{"kind":329,"label":135,"children":356},[357,358],{"label":135,"href":138},{"label":140,"href":141},{"kind":329,"label":143,"children":360},[361,362,363],{"label":146,"href":147},{"label":149,"href":150},{"label":152,"href":153},[],[366,367,368,369,370,371,372],{"kind":327,"label":186,"href":53},{"kind":327,"label":191,"href":192},{"kind":327,"label":194,"href":195},{"kind":327,"label":197,"href":198},{"kind":327,"label":200,"href":201},{"kind":327,"label":203,"href":204},{"kind":327,"label":206,"href":207},[374,375,376],{"kind":327,"label":210,"href":57},{"kind":327,"label":215,"href":216},{"kind":327,"label":218,"href":219},{"id":378,"uid":379,"url":380,"type":381,"href":382,"tags":383,"first_publication_date":384,"last_publication_date":385,"slugs":386,"linked_documents":388,"lang":389,"alternate_languages":390,"data":391},"alz0jxEAACcAUWYh","case-study-nationwide-and-form3-on-migrating-payments","\u002Fresources\u002Fpayment-insights\u002Fcase-study-nationwide-and-form3-on-migrating-payments","payment_insight","https:\u002F\u002Fform3-website.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=apjJ1BEAAC0AJxzl&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22alz0jxEAACcAUWYh%22%29+%5D%5D",[],"2026-07-19T16:22:03+0000","2026-08-28T02:24:29+0000",[387],"a-cloud-platform-offers-scale",[],"en-us",[],{"title":392,"excerpt":393,"card_image":394,"published_date":13,"reading_time":400,"tag":401,"dek":13,"featured_image":402,"about_form3":403,"client_about_heading":13,"client_about_body":404,"author_name":13,"author_title":13,"author_photo":405,"author_bio":406,"author_linkedin":407,"slices":409,"meta_title":392,"meta_description":393},"Case study: Nationwide and Form3 on migrating payments","Form3 were recently featured in a Bobsguide case study discussing how Nationwide worked with us to map out a multi-year migration set to improve the scale, resiliency and long-term viability of Nationwide's payments infrastructure.",{"dimensions":395,"alt":392,"copyright":13,"url":397,"id":398,"edit":399},{"width":396,"height":396},800,"\u002F_prismic-media\u002F1b93810d3c547ce8-IMBV3SkoxBQMA1mw_case-study-nationwide-and-form3.png","IMBV3SkoxBQMA1mw",{"x":17,"y":17,"zoom":18,"background":19},10,"Blog",{},[],[],{},[],{"link_type":408},"Any",[410,422,437,448,473,484,492,509,519,533],{"variation":411,"version":412,"items":413,"primary":414,"id":420,"slice_type":421,"slice_label":13},"default","initial",[],{"body":415},[416],{"type":417,"text":418,"spans":419},"paragraph","Form3 were recently featured in a Bobsguide case study discussing how Nationwide worked with us to map out a multi-year migration set to improve the scale, resiliency and long-term viability of Nationwide's payments infrastructure. ",[],"rich_text$c517a134-08c6-4343-80e3-4c70389182e0","rich_text",{"variation":411,"version":412,"items":423,"primary":424,"id":436,"slice_type":421,"slice_label":13},[],{"body":425},[426],{"type":417,"text":427,"spans":428},"Watch: https:\u002F\u002Fwww.youtube.com\u002Fwatch?v=https:\u002F\u002Fvimeo.com\u002F747686905\u002F952e98cb7f",[429],{"start":430,"end":431,"type":432,"data":433},7,77,"hyperlink",{"link_type":434,"url":435},"Web","https:\u002F\u002Fwww.youtube.com\u002Fwatch?v=https:\u002F\u002Fvimeo.com\u002F747686905\u002F952e98cb7f","rich_text$b73c449d-daf9-438e-819d-77221089d801",{"variation":411,"version":412,"items":438,"primary":439,"id":446,"slice_type":447,"slice_label":13},[],{"quote":440,"attribution_name":444,"attribution_role":445},[441],{"type":417,"text":442,"spans":443},"“The business case was made that there was a need for a new payment infrastructure, which needed to be more cost-efficient, and facilitate long-term growth” ",[],"Otto Benz","Payments Director at Nationwide Building Society","pull_quote$bdaf1781-9f00-4ade-9ce4-ba7dd62447d3","pull_quote",{"variation":411,"version":412,"items":449,"primary":450,"id":472,"slice_type":421,"slice_label":13},[],{"body":451},[452,457,460,463,466,469],{"type":453,"text":454,"spans":455,"direction":456},"heading3","A cloud platform offers scale",[],"ltr",{"type":417,"text":458,"spans":459,"direction":456},"In 2018, three years prior to Benz joining the business, Nationwide launched a procurement exercise for a trusted provider of locally hosted payments infrastructure.",[],{"type":417,"text":461,"spans":462,"direction":456},"While the building society received proposals from industry leading participants, in 2019 it pivoted away from its original plan for a locally hosted installation and opted for a cloud architecture instead.",[],{"type":417,"text":464,"spans":465,"direction":456},"The pivot was well-timed in 2019. A survey by the Bank of England, conducted that same year among the 30 largest banks (including Nationwide) and 27 largest insurers in the UK, revealed that the bank focus group already used cloud for around 2,000 different applications and showed substantial maturity in this regard.",[],{"type":417,"text":467,"spans":468,"direction":456},"Of all the cloud applications reported by banks, 82% used a software-as-a-service (SaaS) model, while 18% employed infrastructure-as-a-service (IaaS).",[],{"type":417,"text":470,"spans":471,"direction":456},"For Nationwide, the desision was a practical one, allowing the society to implement DevOps across its payment infrastructure, avoid service downtime around migrations and access a wider pool of tech talent.",[],"rich_text$ef08424a-16ae-499c-9105-2ab547042f09",{"variation":411,"version":412,"items":474,"primary":475,"id":483,"slice_type":421,"slice_label":13},[],{"body":476},[477,480],{"type":417,"text":478,"spans":479},"This prediction is backed by statistics from the UK’s retail payments operator and standards body, Pay.UK. In 2021, According to the organisation, the Faster Payments System enjoyed a record-breaking 12 months, processing 3.4 billion transactions with a value of £2.6 trillion.",[],{"type":417,"text":481,"spans":482},"This represented a year-on-year volume increase of 568 million payments, or 20%, and a 24% jump in values (up from £2.1 trillion in 2020). The rise in uptake during the previous year was similarly rapid, likely due to the pandemic, with Faster payments transactions increasing by 383m during the 12 months.",[],"rich_text$f39db889-2d0e-452d-8597-431d8a4f8d1d",{"variation":411,"version":412,"items":485,"primary":486,"id":491,"slice_type":447,"slice_label":13},[],{"quote":487,"attribution_name":444,"attribution_role":445},[488],{"type":417,"text":489,"spans":490},"“For us, the way forward for this project is to further improve resiliency and decrease downtime.”",[],"pull_quote$1135bebc-ed22-4374-ad0b-b2b0b57d4718",{"variation":411,"version":412,"items":493,"primary":494,"id":508,"slice_type":421,"slice_label":13},[],{"body":495},[496,499,502,505],{"type":453,"text":497,"spans":498,"direction":456},"External vendors and concentration risk",[],{"type":417,"text":500,"spans":501,"direction":456},"Other vendors involved in the project included AWS as the cloud infrastructure provider, Accenture as the systems integrator, as well as external software testing providers, engaged by Form3.",[],{"type":417,"text":503,"spans":504,"direction":456},"Form3 is an Advanced Technology Partner of AWS and currently deploys its services on the Amazon cloud. However, concentration risk has not gone unacknowledged. A key hindrance to the resiliency of the UK’s financial infrastructure, concentration risk has also been singled out by the Bank of England.",[],{"type":417,"text":506,"spans":507,"direction":456},"In order to mitigate concentration risk and ensure an “unkillable” infrastructure, the firm is currently working on spinning out a Kubernetes cluster with each cloud vendor, with Google Cloud Platform (GCP) being first on the list.",[],"rich_text$36bd38cc-cbaa-412e-9501-9dec0215270f",{"variation":411,"version":412,"items":510,"primary":511,"id":518,"slice_type":447,"slice_label":13},[],{"quote":512,"attribution_name":516,"attribution_role":517},[513],{"type":417,"text":514,"spans":515},"“After the partnership was announced and the scope defined, the next step was to confirm a live date with the central infrastructure and work backwards to determine the integration requirements and testing schedules.”",[],"Michael Mueller","Executive Chair","pull_quote$124dbed9-d1c3-40e7-86ef-55f6efb3d04d",{"variation":411,"version":412,"items":520,"primary":521,"id":532,"slice_type":421,"slice_label":13},[],{"body":522},[523,526,529],{"type":453,"text":524,"spans":525,"direction":456},"Metrics of success",[],{"type":417,"text":527,"spans":528,"direction":456},"Outside of being cloud-native and extending the shelf life of Nationwide’s payment infrastructure, Benz cites the resiliency of the Form3 platform as a key criterion for selection. To this end, the key performance indicators that Benz and his team report at the board level, and which are regularly communicated to Nationwide members, include uptime and payments response time across the society’s three digital payments channels.",[],{"type":417,"text":530,"spans":531,"direction":456},"Benz notes that in July, the most recent full month at time of writing, the building society had no unplanned outages, with the only downtime being for planned maintenance.",[],"rich_text$d41b9d24-2aee-47ba-9fa8-65cd2fca639e",{"variation":411,"version":412,"items":534,"primary":535,"id":546,"slice_type":421,"slice_label":13},[],{"body":536},[537,540,543],{"type":453,"text":538,"spans":539,"direction":456},"Scale and further development",[],{"type":417,"text":541,"spans":542,"direction":456},"Over the course of the next year, the building society will migrate Faster Payments over to the new, Form3 platform. At the same time, the team will work to ensure the system is ready for the changes required to support Pay.UK’s New Payments Architecture.",[],{"type":417,"text":544,"spans":545,"direction":456},"Once these changes are made, Nationwide will re-assess their position and plan the next phases of work, which are likely to include BACS, CHAPS & international payments, according to Benz.",[],"rich_text$c46fc6c1-6f14-4af9-9c62-8de5199fc362",1788399682051]