Surround, Shrink, Scale The Legacy Exit Strategy for Payment Modernization

This whitepaper outlines the urgent need for U.S. banks to modernize their payments infrastructure, as legacy systems struggle to keep pace with real-time demands, regulatory mandates, and fintech-driven disruption. Batch-based payment rails like ACH and Fedwire expose banks to fraud, compliance gaps, and operational drag.

It introduces the Surround and Shrink strategy—an incremental approach to payments modernization that surrounds legacy platforms with an orchestration and intelligence layer, enabling real-time processing, API-native connectivity, and embedded compliance without disrupting core operations.

Ultimately, the paper makes a compelling case for unified, intelligent payments architecture as the key to streamlining operations and future-proofing banking infrastructure. But how can banks achieve real-time transformation without risking operational continuity or customer trust? Read the whitepaper to find out.

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