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Enterprise Banks Must Adopt Innovations in Payment Technologies","The global rise of digital banks, including Monzo, Starling, N26, Volt, Airwallex and Revolut, has continued at pace and as a result, all have successfully managed to acquire sizeable customer bases since their respective launches over the past ten years.",{"dimensions":396,"alt":393,"copyright":13,"url":398,"id":399,"edit":400},{"width":397,"height":397},800,"\u002F_prismic-media\u002F9793fb1d2ad91b2e-CaTqR2FDzN_1GE3u_why-enterprise-banks-must-adopt.png","CaTqR2FDzN_1GE3u",{"x":17,"y":17,"zoom":18,"background":19},"2021-06-28",8,"Blog","The global rise of digital banks, including Monzo, Starling, N26, Volt, Airwallex and Revolut, has continued at pace and as a result, all have successfully managed to acquire sizable customer bases since their respective launches over the past ten 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payment technologies matter?",[],{"type":426,"text":440,"spans":441},"The short answer to this question is that customers care about real-time movement of money and real-time accurate information. Processing speed is only part of the solution; giving customers direct visibility into the payment status is also important (for all payment types). ",[],{"type":426,"text":443,"spans":444},"We’ve outlined a few of the reasons for this below: ",[],{"type":446,"text":447,"spans":448},"list-item","Reduces interstitial anxiety\nThe ‘where’s my money’ effect. Customers without access to real-time payments will make sure to get in touch with your helplines, clogging up your customer service teams and draining resources. \n\n",[449],{"start":17,"end":450,"type":451},28,"strong",{"type":446,"text":453,"spans":454},"Gives customers control over personal finances \nReal-time payments give customers better oversight of the health of their finances. \n\n",[455],{"start":17,"end":456,"type":451},46,{"type":446,"text":458,"spans":459},"Creates consistency with other digital experiences \nCustomers that are accustomed to instant services now expect to see funds updated in real-time. \nAsk yourself how many banks have sent out comms to explain the difference between Account balance and Actual balance, and you can see how this phenomenon plays out.  \nIn our opinion, back-office infrastructure transformation is the swing in the pendulum for banks to beat digital challengers at their own game. An overhaul in the back office will literally transform the ability to innovate at pace, scale on demand as payment volumes grow, keep operational costs super low and remove the burden of maintaining, upgrading and changing systems. \nBut legacy banks haven’t purposely sabotaged themselves. For the most part, they have been trying to roll out new banking technology innovations.  \nThe reality is that incumbent banks have unique challenges that newer banks don’t have but they are far from insurmountable, especially given recent technology innovations. \n\n",[460,462,465],{"start":17,"end":461,"type":451},50,{"start":463,"end":464,"type":451},231,246,{"start":466,"end":467,"type":451},251,265,{"type":446,"text":469,"spans":470},"Legacy technology \nAlthough incumbent banks have legacy technology, modern tech stacks at partner organisations have proven they can handle payment processing on a large scale and ensure future proofing as all scheme rules and regulatory changes are baked in.  Legacy tech stacks require frequent, costly upgrades, patches etc.  Modern stacks stay current and compliant with all schemes, taking the 'run the bank' challenge off the banks' plate. ",[471,473],{"start":17,"end":472,"type":451},17,{"start":474,"end":475,"type":476,"data":477},75,111,"hyperlink",{"link_type":478,"url":479,"target":480},"Web","https:\u002F\u002Fwww.form3.tech\u002Fblog\u002Fyour-guide-to-selecting-the-right-payments-technology-partner","_blank",{"type":446,"text":482,"spans":483},"Real-time hits the big time \nFinancial regulators are pushing for real-time payments as a challenger to other POS solutions, particularly card markets.  Having a tap and go app that sends an instant payment rather than going through the card rails is a total game changer. The technology is already there but regulation is still playing catch up. For instance if there is problem with a credit card purchase, you’re protected.  With an instant payment, you’re not.  So industry and regulators have to do something to address that gap.  Maybe not so important for your weekly shop but definitely needed for buying a tv or a holiday. ",[484,486],{"start":17,"end":485,"type":451},27,{"start":487,"end":488,"type":476,"data":489},29,61,{"link_type":478,"url":490,"target":480},"https:\u002F\u002Fwww.accenture.com\u002F_acnmedia\u002FPDF-102\u002FAccenture-Open-Banking-Real-Time-Payments-Europe.pdf#zoom=50",{"type":446,"text":492,"spans":493},"Future demand and a price-tag to match \nScalable platforms are essential. But tech executives within banks have been burned before with fully customised, configured systems and cost per volume pricing that lock in banks to a single provider that make it difficult to get out.  \nExpenses should be reduced over time, but as research firm Gartner reports the initial costs of cost-per-volume in the cloud can be more expensive, with savings coming later. \nPartner companies like Form3 understand this, which is why the best payment technology solution providers enable growth without any customisation. ",[494,496],{"start":17,"end":495,"type":451},38,{"start":497,"end":498,"type":476,"data":499},357,370,{"link_type":478,"url":500,"target":480},"https:\u002F\u002Fblogs.gartner.com\u002Fmarco-meinardi\u002F2018\u002F11\u002F30\u002Fpublic-cloud-cheaper-than-running-your-data-center\u002F",{"type":446,"text":502,"spans":503},"Cautious to a fault: The risk of avoiding agile banking \nAn abundance of caution may have stood incumbent banks in good stead in the past, but as technology has moved on, there’s considerable evidence that these concerns have been eliminated since. \nThe risk of waiting to act doesn’t outweigh the consequences of losing ground to challenger banks. Especially as more and more banks are making headlines for the wrong reasons for outages, breaches and worst loss of data becoming major headline news. Modernising old technology to a more robust, highly resilient and secure solution is paramount. ",[504],{"start":17,"end":505,"type":451},55,{"type":446,"text":507,"spans":508},"Selecting your payment technology transformation partner  \nRecent innovations in payment technologies allow legacy banks to be more agile and take away one of the differentiating factors challenger banks use to define themselves. They are no longer bound to manage infrastructure in-house but running the whole payments infrastructure as a service with a specialist provider makes sense from a flexibility, scale, resilience and cost perspective. This enables legacy banks to focus on their other strategic objectives and rival the challenger banks on their own terms. ",[509],{"start":17,"end":510,"type":451},57,"rich_text$ec33e5fd-c9bf-49ed-94a8-d408bfa3b6aa","rich_text",{"variation":420,"version":421,"items":514,"primary":515,"id":526,"slice_type":512,"slice_label":13},[],{"body":516},[517,520,523],{"type":436,"text":518,"spans":519},"Change is coming. Act now",[],{"type":426,"text":521,"spans":522},"Whether you’re an emerging bank looking to capitalise on real-time payments and API connectivity into schemes or you’re a legacy bank wanting to bring your payments infrastructure to the next level, Form3 provides the critical payment infrastructure technology needed to de-risk, optimise efficiency, reduce costs and free up bank resources to innovate and deploy new products and services quickly. ",[],{"type":426,"text":524,"spans":525},"Chat with Form3 today to find out how moving to a cloud native platform will transform the way you manage payments in the future.  ",[],"rich_text$829530de-d4dd-40b0-a1f1-06b7dd8c428b",1788466510807]