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With the challenges that banks face today, let alone tomorrow, today’s payment systems simply aren’t going to be good enough. As a result, banks have been turning to payment hubs. But as payment hubs are not new– they’ve been around for more than twenty years – increasingly choosing the right hub, and for the right reasons, is critical to a bank’s success. This paper helps banks make those right choices.

Banks frequently tell us that costs are up and revenue is down, yet few banks truly understand their actual costs, or their levers, and manipulate revenue not to win business but to manage operational risk of client churn. But banks are trapped – they have no where to go in cutting costs in their existing systems.

Many banks have many payment systems today. It’s not uncommon for a bank to have dozens of systems, and big banks, more than 100. All of which have evolved in a Frankenstein way over time. And plenty of time too – many are ancient, older than the people managing them. One well known US ACH system is over 40 years old! The cost of just keeping the working is significant, and growing every day.

These systems hamper customer experience and innovation as they were built for the customer of yesteryear, not today. They were built long before some of the requirements that have emerged over the last decade.

Implementing a payment hub shouldn’t be seen as solving a problem, then, but many.

A payment hub then allows banks to modernize, simply and enable innovation.

What might that mean in practice?

·It means a greater consistency of customer experience not just in each channel but across payment rails as well.

·It means that the modern technology and better design allow for greater speed and efficiency in processing.

·It means being able to able to operate 24/7/365,

·It means generating client and industry specific solutions, all using standard components – it’s not just about reducing costs, but can generate revenue as well

Payment hub adoption not only continues, but is accelerating. The question then should be not if, but when your bank moves to a hub. If you leave it too late, your competitors will have significant competitive advantage, and which is hard to catch back up on