140 V I EWPO I NT Financial organisations should make the most of a cloud-based infrastructure by using analytics to personalise products and offers at point of sale ROWAN B R EWE R : PAYMENTOLOGY Gaining the upper hand with real-time data Financial services is an evershifting sector, which can be influenced by advances in technology, an increasing need for customer information security, and the demand for more convenient payment methods. Banks need to be prepared for a variety of factors so that their technology enables both present and future use cases. This is why several banks have transitioned away from data centrehosted platforms to cloud-based environments built on solutions such as Microsoft Azure. Cloud technology allows banks to improve their flexibility, scalability and security, while reducing costs. Paymentology uses a cloud-based infrastructure to enable banks, digital-only banks and financial technology companies to rapidly issue and process cards from anywhere in the world. We offer four products to suit any type and scale of business, from modern card solutions to complete financial processing systems that use hardware security modules for enhanced security. In addition, we are upgrading our security offerings with developments such as tokenisation, where sensitive data is replaced by a surrogate value known as a token, as well as 3D secure authentication that includes an extra verification step for card users. We offer our customers access to both dedicated and multi-tenanted platforms hosted on Azure services across multiple regions. They can then use the power of these servers to track their customer data in more detail, allowing them to offer “ Our real-time analytics do more than just notify a bank about a payment, they also provide the opportunity to build a customer profile” Finance companies can enhance their security with tokenisation
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