Traditional rail infrastructure cannot keep up with customer demand for faster payments.
Monolithic architecture doesn't support configurability — this increases the time to market
Complex integration with the latest technology upgrades, such as operating on ISO 20022 message formats and enabling value-added services
Complex integrations with multiple enterprise systems like core banking, fraud, risk, sanctions, reconciliations, etc.
Inability to innovate at the pace of disruptive FinTech startups
Complicated customer journeys leading to inconsistent experiences and friction at the time of payment
Our Real-Time Payment Solutions Include
Designing and building modern payment platforms with the agility to scale up and integrate seamlessly as per the business requirements
Enabling customer-centric designs, process flow standardization, and workflow automation
Innovative user journeys with ML-based predictive insights for personalization
Focusing on a digital-first approach and enabling innovative product development lifecycles through better API exposure
Simplifying integration with core processing systems such as core banking, fraud, risk systems, sanctions, reconciliations, etc
Message enrichment through ISO 20022 native and domain-driven architecture design to ensure high availability
Opus Enables Seamless Delivery of Real-Time Payment Solutions
Accelerates the time to market with highly configurable and scalable business services while ensuring a heavy focus on compliance
Simplifies monetization with modern API management
Delivers unique value-added services by collaborating with FinTechs and BigTechs
Improves customer experience with simplified journeys, frictionless touchpoint interactions, and smart routing
Enables differentiated use cases, such as bill payments, subscription payments, instant cross-border payments, batch instant payments for payrolls/disbursements, etc
Offers higher STP rates with process standardization and payment orchestration
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Frequently asked questions
Real-time payments (RTP) are made between the bank accounts of a payer and a payee. These payments are initiated, processed, and settled almost in real-time and are available 24 hours a day and 365 days a year.
Real-time payment as a service is evolving at a fast pace. As a result, the stakeholders are continuously pushing the boundaries and enhancing their capabilities. Some of the unique features of this solution are:
Organizations use real-time payments for a range of reasons. One of the key reasons is that it satisfies the customer’s demand for instant access to funds. It enhances the operational efficiency of financial institutions, reduces the risk of fraud, and creates opportunities to offer value-added services.
RTGS, or real-time gross settlement, is a high-value real-time payment system. The underlying infrastructure for RTGS allows instantaneous electronic clearing and settlement of funds.