How to modernise payments systems while keeping the show on the road

Financial institutions can no longer keep up with the current pace of change in banking while using payments systems that were deployed in the 1980s. Banks are increasingly coming to terms with the fact that systems that were very much designed for cards, point of sale, and ATMs are not dependable in a non-physical world. CIOs now perceive legacy infrastructure as technical debt since many traditional payments systems run on aged hardware stacks that may be heavily customized.
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