Not long ago, nearly all payments originated from a relatively small number of point-of-sale terminals. Now payment processors must efficiently handle requests from billions of mobile devices worldwide. These transactions must traverse a complex payment processing network at near real-time speeds.
As payments are increasingly executed using mobile devices, the infrastructure is changing. As always, a multitude of banking channels, financial services providers, payment processors, and payment networks are jockeying for position in a highly competitive ecosystem.
Legacy payment processing infrastructure is not optimized for the new tsunami of transactions. Facing a massive increase in mobile payments and consumer demand for real-time processing, these systems are struggling to keep up with time-sensitive, high-volume data.
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