Gartner Research

What's in a Payment Services Hub: Building the Next Generation of Banks' Payment Architecture

Published: 13 April 2009

ID: G00165791

Analyst(s): Mary Knox, Christophe Uzureau


Many banks are looking into modernizing their corporate and retail payment systems, and are shaping long-term visions for their payment architecture. They must plan for the right payment services and payment engines to maximize business benefits.

Table Of Contents
  • Overview
  • Time to Make a Move
  • The Focus of This Research
  • A Common Language to Share the Vision
  • Introduction: Preparing the Payment Journey
    • Stage 1: Payment Origination, Message Processing and Creation of the Payment Object
    • Stage 2: The Bank's Payment Workflows and Processing
    • Stage 3 — Message Processing and External Processing, Clearing and Settlement
    • Stage 4: Payment Delivery and Client Services
  • Recommendations

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