Alina Smith started her career in payments in 2010 in the Visa Ukraine office as the Business Development Manage, where she launched the first contactless card and P2P services in the market. She also previously worked as the Head of Direct Sales in Raiffeisen Bank and Product Manager of Retail Bank Payments at FNB, South Africa. Alina joined HPS, Singapore in 2022 as the Senior Presales Consultant to help grow HPS’ Asian market. Alina is inspired and motivated by how seamless and secure digital payments empower individuals, businesses, and communities to thrive.
Instant payments continue to be a major focus for all financial services companies, enabling customers and businesses to save time; improve transparency, increase liquidity, and make sending money either domestically or abroad more convenient. Furthermore, the rapid growth of Instant Account to Account (A2A) payments has emphasised the need for core payment chains to go instant such as merchant payments, virtual card issuance and instant reward.
Today’s customers expect an experience that’s efficient and accessible, and access to granular and immediately available data is crucial to delivering seamless and instant UX with batch-ruled systems. Banks need to actively consider new models for payments that don’t extend or exacerbate their existing IT challenges, like modernising existing infrastructures or adopting an incremental approach to upgrading middle and front systems.
The key to success is adopting an agile approach to mapping specific customer requirements and experiences and developing platforms accordingly. HPS helps firms to implement a microservices-based architecture and ready-available APIs, which can be seamlessly integrated to address challenges around scalability with a focus on high reliability and quick response time.
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