DXC and Aptys partner to modernise bank payments

By Vriti Gothi

DXC Technology has partnered with Aptys Solutions to modernise how U.S. financial institutions connect to and manage payments services, aiming to reduce operational burden and increase access to emerging payments capabilities.

The collaboration combines Aptys’ payments connectivity and orchestration platform used by more than 5,500 U.S. community banks and credit unions with DXC’s banking transformation offerings. The integration will enable financial institutions to streamline processing across ACH, wire transfers, instant payments including FedNow® and RTP®, and digital channels.

Industrywide, smaller and mid-sized institutions have faced growing pressure to support real-time payments, embedded finance, and advanced fraud controls, while maintaining aging core systems. DXC said the partnership is intended to give these institutions a more practical modernization roadmap.

“FIs are seeking practical ways to modernize payments while managing cost, complexity, and risk,” said Sandeep Bhanote, Global Head and General Manager of Financial Services at DXC. He said the combined approach would help institutions adopt modern systems incrementally, minimizing disruption.

Aptys Solutions CEO Naseer Nasim added, “That access to DXC’s scale and operational strength would support institutions as they evolve. Our partnership with DXC brings the scale, reliability, and operational strength required to help institutions modernize with confidence while keeping trust at the center of every payment relationship.”

Beyond technology integration, the effort also seeks to shift value back toward financial institutions by enabling direct bank-to-bank connectivity for account verification, transactions, and messaging. Today, banks often provide these services while third-party intermediaries capture significant margins by reselling related data.

Initial engagements will focus on foundational API-based services, with plans to expand into areas as wallets, custody services, and wealth management over subsequent phases. The reflects ongoing modernization across U.S. payments infrastructure, particularly as instant payments and interoperability become core competitive requirements for institutions.