Whitepapers

Explore the future of payments transformation, AI-driven solutions, and the need for infrastructure consolidation in the financial sector.

How smart routing and pre‑processing optimise authorisation, lower costs, and improve success rates across complex payment networks.

A comparison of orchestration and choreography for payments processing, with design guidance to improve resilience and agility.

A structured guide to building in‑house payments capability, covering architecture choices, operating models, and delivery governance.

Explore how Citi leverages generative AI to improve payments experiences, streamline operations, and support scalable innovation.

Approaches to develop future‑proof market infrastructure, addressing interoperability, performance, and long‑term operating efficiency.

Competing in payments e-book — strategies for banks to stay ahead in a rapidly evolving ecosystem.

Payments digitisation in the US — whitepaper exploring challenges, opportunities and transformation.

Busting the myths e-book — separating fact from fiction in payments transformation and modernisation.

Maximising value from instant payments — strategies for banks to unlock revenue and customer value.

Leveraging ISO 20022 — whitepaper offering insights into migration, challenges and benefits.

Central banks and DLT — whitepaper explores opportunities, challenges and the future of digital currencies.

Regulatory fragmentation and real-time payments — how inconsistencies challenge adoption and innovation.

Leveraging instant payments and open banking — how banks can innovate, monetise and compete.

ISO 20022 — the good, the bad and the better — whitepaper exploring challenges and opportunities.

Global Payments Spotlight: Colombia — research into payments trends, challenges and innovation.