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Brands include: The Body Shop, The Gap & Morrison’s Supermarkets, Aston Martin Lagonda; Vodafone, Trinity Mirror & Reuters, Skandinaviska Enkilda Banken & Royal Bank of Scotland; The Gym Group; iQ Student Accommodation & Riverstone retirement living.",[],"ltr",{"type":420,"text":425,"spans":426,"direction":423},"Alongside her business career, Penny enjoys family life and various not-for-profit responsibilities that have included Trustee, British Museum and President, Advertising Association.",[],{"link_type":428,"key":429,"url":430,"target":431},"Web","66ef597d-ef6f-44f6-ac9b-c4e5b4383c05","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fpenny-hughes-cbe-8059a4187\u002F","_blank",[433],{"variation":434,"version":435,"items":436,"primary":437,"id":461,"slice_type":462,"slice_label":13},"default","initial",[],{"body":438},[439,443,446,449,452,455,458],{"type":440,"text":441,"spans":442,"direction":423},"heading3","Economic downturn talk shouldn’t slowdown back-end technology upgrades",[],{"type":420,"text":444,"spans":445,"direction":423},"With current headwinds indicating difficult economic conditions, the case continues for financial institutions to transform back-end payment technology capabilities. This is to meet the ever-growing demands of customers globally.  ",[],{"type":420,"text":447,"spans":448,"direction":423},"Even during the last economic crash that started in 2007, the number of payment transactions didn’t decrease – and we expect the same scenario to occur in 2022 and beyond. ",[],{"type":420,"text":450,"spans":451,"direction":423},"This is largely due to consumers and businesses becoming ever-more reliant on real time digital transactions, boosting the volumes of payments now and in the future. It’s this ongoing trend which should continue to spur on financial institutions to transform payment capabilities, taking advantage of cloud native technology and leveraging significant cost savings at the same time.",[],{"type":420,"text":453,"spans":454,"direction":423},"With this structural trend - and increased demand for payments - comes the need for future planning. This year, financial institutions will continue to press ahead with digital transformation plans to improve back-end payments technology for the future growth of their businesses. ",[],{"type":420,"text":456,"spans":457,"direction":423},"Delaying this vital work, it’s possible legacy systems won’t be able to cope with ever-increasing payment volumes - and banks could lose competitive edge. Customers of Form3 already report a reduction in payments capex revolutionizing the way payments work from channel to payment scheme, by adopting an enterprise-grade, managed, payment technology platform that integrates across multiple payment schemes, and connects into payment systems with ease.",[],{"type":420,"text":459,"spans":460,"direction":423},"In summary, if the global downturn that economists predict persists, the drive for efficient transformation increases and as payment volumes continue to grow exponentially, Form3 provides the solution to improve back-end technology to handle these transactions.  ",[],"rich_text$a39cdea6-e958-4c39-b22d-6661feee2e85","rich_text","Economic downturn talk shouldn’t slowdown backend technology upgrades",1788466510716]