[{"data":1,"prerenderedAt":499},["ShallowReactive",2],{"nav_featured_podcast":3,"nav_featured_press_release":21,"navigation_content":30,"payment_insight:hyper-automation-in-payments":378},{"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":325},{"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},"Informed UI","\u002Finformed-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":229,"development":240,"company":248,"resources":259,"partnerships":267,"stayConnected":272,"legalLinks":292,"certifications":314},{"title":36,"links":222},[223,224,225,226,227,228],{"label":62,"href":37},{"label":67,"href":68},{"label":70,"href":71},{"label":73,"href":74},{"label":76,"href":77},{"label":79,"href":80},{"title":230,"links":231},"Region",[232,234,236,237,238],{"label":233,"href":97},"Global",{"label":235,"href":103},"United States",{"label":109,"href":112},{"label":114,"href":117},{"label":239,"href":107},"Canada",{"title":241,"links":242},"Development",[243,244,245,246,247],{"label":135,"href":138},{"label":140,"href":141},{"label":146,"href":147},{"label":149,"href":150},{"label":152,"href":153},{"title":48,"links":249},[250,251,252,253,254,255,256],{"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":257,"href":258},"Net Zero","\u002Fcompany\u002Fnet-zero",{"title":52,"links":260},[261,262,263,264,265,266],{"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":268},[269,270,271],{"label":210,"href":57},{"label":215,"href":216},{"label":218,"href":219},{"title":273,"body":274,"ctaLabel":32,"ctaHref":33,"social":275},"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.",[276,280,284,288],{"label":277,"href":278,"icon":279},"LinkedIn","https:\u002F\u002Fwww.linkedin.com\u002Fcompany\u002Fform3-financial-cloud\u002F","linkedin",{"label":281,"href":282,"icon":283},"X","https:\u002F\u002Fwww.x.com\u002FForm3Cloud","x",{"label":285,"href":286,"icon":287},"YouTube","https:\u002F\u002Fwww.youtube.com\u002F@Form3Cloud","youtube",{"label":289,"href":290,"icon":291},"Instagram","https:\u002F\u002Fwww.instagram.com\u002Fform3.tech","instagram",[293,296,299,302,305,308,311],{"label":294,"href":295},"Terms & Conditions","\u002Flegal\u002Fterms-and-conditions",{"label":297,"href":298},"Privacy Policy","\u002Flegal\u002Fdata-privacy-statement",{"label":300,"href":301},"Recruitment Data Policy","\u002Flegal\u002Frecruitment-data-policy",{"label":303,"href":304},"Modern Slavery Statement","\u002Flegal\u002Fmodern-slavery",{"label":306,"href":307},"License","\u002Flegal\u002Flicense",{"label":309,"href":310},"Cookie Policy","\u002Flegal\u002Fcookie-policy",{"label":312,"href":313},"Manage Cookies","#cookies",[315,317,319,321,323],{"label":316},"ISO 27001",{"label":318},"ISO 27017",{"label":320},"ISO 27018",{"label":322},"ISAE 3000 SOC 2 Type II",{"label":324},"ISO 22301",{"platform":326,"solutions":341,"developers":355,"company":365,"resources":366,"partnerships":374},[327,329,339,340],{"kind":328,"label":62,"href":37},"link",{"kind":330,"label":60,"children":331},"group",[332,333,334,335,337],{"label":67,"href":68},{"label":70,"href":71},{"label":73,"href":74},{"label":76,"href":336},"\u002Fplatform\u002Fsponsor-bank-enablement",{"label":79,"href":338},"\u002Fplatform\u002Finform3d-ui",{"kind":328,"label":82,"href":85},{"kind":328,"label":87,"href":90},[342,344,350],{"kind":328,"label":233,"href":343},"\u002Fsolutions\u002Fglobal",{"kind":330,"label":93,"children":345},[346,347,348,349],{"label":235,"href":103},{"label":239,"href":107},{"label":109,"href":112},{"label":114,"href":117},{"kind":330,"label":119,"children":351},[352,353,354],{"label":122,"href":123},{"label":126,"href":127},{"label":130,"href":131},[356,360],{"kind":330,"label":135,"children":357},[358,359],{"label":135,"href":138},{"label":140,"href":141},{"kind":330,"label":143,"children":361},[362,363,364],{"label":146,"href":147},{"label":149,"href":150},{"label":152,"href":153},[],[367,368,369,370,371,372,373],{"kind":328,"label":186,"href":53},{"kind":328,"label":191,"href":192},{"kind":328,"label":194,"href":195},{"kind":328,"label":197,"href":198},{"kind":328,"label":200,"href":201},{"kind":328,"label":203,"href":204},{"kind":328,"label":206,"href":207},[375,376,377],{"kind":328,"label":210,"href":57},{"kind":328,"label":215,"href":216},{"kind":328,"label":218,"href":219},{"id":379,"uid":380,"url":381,"type":382,"href":383,"tags":384,"first_publication_date":385,"last_publication_date":386,"slugs":387,"linked_documents":388,"lang":389,"alternate_languages":390,"data":391},"alz0hBEAAC0AUWYP","hyper-automation-in-payments","\u002Fresources\u002Fpayment-insights\u002Fhyper-automation-in-payments","payment_insight","https:\u002F\u002Fform3-website.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=apnMZxEAACcAKWxv&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22alz0hBEAAC0AUWYP%22%29+%5D%5D",[],"2026-07-19T16:22:04+0000","2026-09-02T18:48:02+0000",[380],[],"en-us",[],{"title":392,"excerpt":393,"card_image":394,"published_date":401,"reading_time":402,"tag":403,"dek":393,"featured_image":404,"about_form3":405,"client_about_heading":13,"client_about_body":406,"author_name":13,"author_title":13,"author_photo":407,"author_bio":408,"author_linkedin":409,"slices":411,"meta_title":392,"meta_description":393},"Hyper-automation in payments","What’s all the hype?",{"dimensions":395,"alt":397,"copyright":13,"url":398,"id":399,"edit":400},{"width":396,"height":396},800,"Form3","\u002F_prismic-media\u002Ffbc6e7a450cdb0fd-jT5-dxAstKJZQFwI_Form3-Resource.png","jT5-dxAstKJZQFwI",{"x":17,"y":17,"zoom":18,"background":19},"2019-12-11",8,"Thought Leadership",{},[],[],{},[],{"link_type":410},"Any",[412,454],{"variation":413,"version":414,"items":415,"primary":416,"id":452,"slice_type":453,"slice_label":13},"default","",[],{"eyebrow":13,"heading":417,"body":418,"cta_label":13,"cta_link":430,"aside_type":431,"aside_image":432,"aside_video":439,"aside_video_poster":441,"aside_video_reduced_motion":442,"aside_video_url":13,"aside_embed":443,"pardot_form_url":13,"form_submit_label":13,"form_variant":444,"form_heading":13,"redirect_on_success":445,"theme":447,"overlay_pattern":448,"background_continuation":449,"media_position":450,"aside_vertical_align":451},[],[419,427],{"type":420,"text":421,"spans":422,"direction":426},"paragraph","Gartner just announced its Top 10 Strategic Technology Trends For 2020. Interestingly, the first one on the list was Hyper-automation.",[423],{"start":17,"end":424,"type":425},134,"strong","ltr",{"type":420,"text":428,"spans":429,"direction":426},"Essentially what that means is moving from highly manual driven processes to low or no manual processes using combined tools that communicate to complete a task without human intervention. The task may be an alert or response to data patterns for example.",[],{"link_type":410},"Image",{"dimensions":433,"alt":13,"copyright":13,"url":436,"id":437,"edit":438},{"width":434,"height":435},899,579,"\u002F_prismic-media\u002F0ee33cdc56f12e73-rUg5u65pFUmmd74t_bdd66712-1252-474d-aaf3-e51613a.png","rUg5u65pFUmmd74t",{"x":17,"y":17,"zoom":18,"background":19},{"link_type":440},"Media",{},{},{},"Contact (default)",{"link_type":446},"Document","Light","None","Solid color (no gradient)","Right","Top of section","content_block$155b9476-ffcf-4e0d-bbab-41cc2e2e4383","content_block",{"variation":413,"version":455,"items":456,"primary":457,"id":497,"slice_type":498,"slice_label":13},"initial",[],{"body":458},[459,464,467,470,473,476,479,482,485,488,494],{"type":420,"text":460,"spans":461,"direction":426},"In payments in particular, Hyper-automation is potentially game changing.",[462],{"start":17,"end":463,"type":425},73,{"type":420,"text":465,"spans":466,"direction":426},"According to Gartner “Hyper-automation refers not only to the breadth of the pallet of tools, but also to all the steps of automation itself (discover, analyse, design, automate, measure, monitor and reassess). Understanding the range of automation mechanisms, how they relate to one another and how they can be combined and coordinated is a major focus for hyper-automation.”",[],{"type":420,"text":468,"spans":469,"direction":426},"Gartner’s report notes that this trend was kicked off with robotic process automation (RPA). (RPA) has helped automate repetitive tasks leading to exponential savings. Now it too is evolving into Hyper-automation.",[],{"type":420,"text":471,"spans":472,"direction":426},"Of course in reality, it’s a lot more complicated than this simplistic view, but looking at our own approach at Form3, I would say our internal systems are a key candidate for Hyper-automation. Our approach to monitoring, alerting and incident management combines multiple tools that interact with each other and drive very targeted human activity once machines have taken care of a lot of work. We also run rules-based alerting, looking for specific individual breaches in those rules e.g. time of non-response, number of items in a queue, absence of a report etc. Alerts are there to inform the intelligence of the Incident Manager and On-call Engineering teams to assess the outcomes of those alerts and make calls.",[],{"type":420,"text":474,"spans":475,"direction":426},"Our aspiration for our cloud-native payments platform is to be able to learn the significance of alerts itself. If the platform can learn its own implications, for example, to see patterns in the alerts which either diagnose an issue for self-resolution or even better - to start to see the client facing impacts and then critically to take actions with our clients.",[],{"type":420,"text":477,"spans":478,"direction":426},"Imagine a scenario such as: Alert A, plus Alert B, plus Alert C within X time. We have seen that 3 times before in the same range, therefore we know that the action needed is Y today. Working out the combinations and programming them into the platform will take time but it is not impossible.",[],{"type":420,"text":480,"spans":481,"direction":426},"The end result? a position where our platform has the inputs from alerts, the outputs from decisions made by individuals and the platform ‘learns’ from the inputs and outputs of what it should do... and then just does it... including updating clients automatically.",[],{"type":420,"text":483,"spans":484,"direction":426},"Even further forward, if and when multiple machines can communicate with each other, a significant plus for Form3 customers would be where they get to learn not only from their own payment processing but others as the “platform” has the capability to consolidate, analyse, design and automate across all - and share these learnings back to all. Although hypothetical, I don’t believe this is too far in the future.",[],{"type":420,"text":486,"spans":487,"direction":426},"For now, we are beginning to shape how Hyper-automation can benefit both Form3 and our customers.\n",[],{"type":420,"text":489,"spans":490,"direction":426},"Could it all end in #riseofthemachines?\n",[491],{"start":492,"end":493,"type":425},20,39,{"type":420,"text":495,"spans":496,"direction":426},"Maybe.",[],"rich_text$f746f740-ea69-4bfa-be99-3758c49c820d","rich_text",1788466509943]