In the fast-paced world of banking, where innovation is not just an option but a mandate, selecting the right technology partner can make or break an institution's success. Amidst this backdrop, Lusis Payments has emerged as a beacon of innovation, with its flagship product, TANGO, revolutionizing the payments landscape. Let’s delve deeper into why four of the top ten banks globally have made the strategic decision to entrust their payments infrastructure to Lusis Payments and the transformative capabilities of the TANGO platform.
 
The Imperative for Transformation:
Banks today are navigating through a myriad of challenges, from evolving customer expectations to regulatory complexities and fierce competition from fintech disruptors. In this era of digital transformation, the payments infrastructure serves as the cornerstone of banking operations, demanding agility, scalability, and robustness. Recognizing the urgency for modernization, leading banks are turning to Lusis Payments and TANGO to stay ahead of the curve and drive innovation.
 
Unveiling TANGO's Superiority:
Scalability and Performance: At the heart of TANGO lies a foundation of unmatched scalability and performance. In an era where transaction volumes are scaling exponentially, banks cannot afford bottlenecks or downtime. TANGO's architecture is meticulously crafted to handle massive transaction throughput seamlessly, ensuring optimal performance even during peak loads. Whether processing tens of thousands of transactions per second or handling complex payment types, TANGO delivers unparalleled scalability without compromise.
 
Modularity and Flexibility: No two banks are alike, each with its own set of requirements and operational nuances. TANGO's modular micro-service design offers banks the flexibility to tailor the platform to their specific needs, seamlessly integrating with existing systems and workflows. Whether it's deploying new payment channels, complying with regulatory mandates, or enhancing fraud detection capabilities, TANGO empowers banks with the agility to adapt and innovate rapidly.
 
Real-time Processing and Instant Payments: The era of waiting days for payments to clear is long gone. TANGO enables banks to embrace real-time processing, facilitating instant payments that meet the expectations of today's digitally savvy consumers. Whether it's peer-to-peer transfers, merchant settlements, or corporate disbursements, TANGO empowers banks to offer frictionless, real-time payment experiences while ensuring compliance with regulatory mandates.
 
Advanced Analytics and Insights: In the age of big data, deriving actionable insights from payment data is paramount for driving informed decision-making and delivering personalized experiences. TANGO's advanced analytics capabilities leverage machine learning algorithms to analyze transaction patterns, detect anomalies, and uncover valuable insights. By harnessing the power of data, banks can gain a deeper understanding of customer behavior, mitigate risks, and capitalize on emerging trends, thereby gaining a competitive edge.
 
Security and Compliance: With cyber threats on the rise and regulatory scrutiny intensifying, banks must prioritize security and compliance in their payments infrastructure. TANGO incorporates state-of-the-art security protocols, including robust encryption, multi-layered authentication, and comprehensive audit trails, to safeguard sensitive financial data and mitigate the risk of fraud. Moreover, TANGO's compliance module ensures adherence to global regulatory standards, providing banks with peace of mind and mitigating the risk of penalties or reputational damage.
 
Success Stories of TANGO Adoption:
The decision to embrace TANGO, especially when hosted on HPE NonStop, has yielded tangible results for banks worldwide, driving operational efficiency, enhancing customer satisfaction, and fueling growth. From accelerated transaction processing times and reduced operational costs to increased revenue opportunities and improved regulatory compliance, the impact of TANGO on HPE NonStop is evident across various facets of banking operations.
 
In a landscape defined by relentless change and fierce competition, the choice of payments software platform is a strategic imperative for banks seeking to thrive in the digital age. Lusis Payments and its revolutionary TANGO platform have emerged as the preferred solution for top banks globally, offering unmatched scalability, flexibility, performance, and security. By harnessing the power of TANGO, banks can unlock new avenues for innovation, differentiation, and growth, positioning themselves at the forefront of the financial services industry. As the journey towards digital transformation accelerates, TANGO remains a catalyst for change, empowering banks to navigate the complexities of modern banking with confidence, agility, and resilience.

In the dynamic realm of banking technology, staying ahead means embracing innovation and adaptability. Lusis Payments leads this charge with its cutting-edge ATM software solution, powered by TANGO, poised to transform the way financial institutions operate their ATM networks. With TANGO as the backbone of our solution, coupled with a robust architecture and an array of advanced features, Lusis Payments ATM Software sets a new standard for efficiency, security, and customer satisfaction in the industry.
 
Seamless Integration for Diverse Environments: At the core of Lusis Payments ATM Software lies TANGO, our versatile and reliable platform meticulously designed to seamlessly integrate with various vendors' hardware extensions. Whether incorporating state-of-the-art devices like NCR CSM for intelligent deposits or Wincor cash-in modules for cash recycling, TANGO ensures smooth compatibility and enhanced functionality across all ATM environments.
 
Flexibility in Transaction Handling: Empowering financial institutions with unparalleled flexibility, our software, driven by TANGO, supports a wide spectrum of transaction types. From chip-initiated EMV transactions to magnetic strip-initiated transactions, including advanced reversal management for deposits, withdrawals, transfers, and bill payments, Lusis Payments ATM Software adapts to diverse banking needs with ease.
 
Advanced Transaction Processing: TANGO enables advanced transaction processing capabilities, going beyond basic functionality. With customizable bill-mix algorithms, resource availability management, and dynamic templates for receipts and screen layouts, financial institutions can deliver a personalized and seamless banking experience to their customers, powered by Lusis Payments ATM Software.
 
Insightful Monitoring and Tracking: Lusis Payments ATM Software, driven by TANGO, provides comprehensive monitoring and tracking capabilities for each terminal, empowering banks with valuable insights to optimize operations. From tracking currency-specific deposits to monitoring withdrawal trends, TANGO offers actionable data to enhance ATM performance and operational efficiency.
 
Distinctive Competitive Advantages: Setting us apart from competitors are the unique features tailored to exceed industry standards, all powered by TANGO. Our user-friendly WebTango UI, leveraging the latest HTML5 technology, offers intuitive management and operational support. Additionally, our software's architecture supports protocol customization, enabling seamless integration with legacy systems and regional protocols. With a proven track record of converting thousands of ATMs to our Tango solution, Lusis Payments brings unparalleled expertise and reliability to every partnership. Moreover, our cash recycling feature optimizes cash management, reducing operational costs and enhancing efficiency, further solidifying Lusis Payments ATM Software as the premier choice for ATM management solutions.
 
Lusis Payments ATM Software, powered by TANGO, is not just a solution—it's a catalyst for transformation in ATM management. With TANGO as the backbone, coupled with our commitment to innovation, adaptability, and customer-centric design, we empower financial institutions to navigate the evolving digital landscape with confidence. To learn more about how Lusis Payments ATM Software can revolutionize your banking operations, CONTACT US

​In the dynamic landscape of digital transactions, the imperative to secure financial data has reached unprecedented heights. Lusis Payments, a frontrunner in payment software solutions, stands out as a pioneer in fraud prevention, particularly on the HPE NonStop platform. This article explores the intricate details of fraud prevention on HPE NonStop, highlighting the innovative features offered exclusively by Lusis Payments and shedding light on the unique benefits of operating on the HPE NonStop infrastructure.

Fraud Prevention on the HPE NonStop Platform:
The HPE NonStop platform, renowned for its reliability, scalability, and fault-tolerance, has become the platform of choice for mission-critical applications in the financial sector. Lusis Payments has strategically harnessed the strengths of this platform to develop fraud prevention solutions that seamlessly integrate with its unique architecture.
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1. Integration with OSS and SQL/MX: Lusis Payments' fraud prevention software is engineered to seamlessly integrate with the Open System Services (OSS) environment on the HPE NonStop platform, utilizing SQL/MX for the database. This integration enables a comprehensive monitoring of system activities, providing a holistic view that significantly enhances the detection of potential fraudulent transactions.
2. Fault-Tolerant Architecture: The fault-tolerant nature of the HPE NonStop platform ensures continuous operation, even in the face of hardware failures or unexpected events. Lusis Payments capitalizes on this architecture to provide uninterrupted fraud prevention services, minimizing the risk of system downtime that could be exploited by cybercriminals.
3. Scalability for Growing Transaction Volumes: As transaction volumes continue to soar, the scalability of the HPE NonStop platform becomes a strategic advantage. Lusis Payments' fraud prevention software is meticulously designed to scale seamlessly with increasing transaction loads, ensuring that its capabilities remain effective even in high-demand scenarios.

 
Benefits of Being on the HPE NonStop Platform:

1. High Availability and Reliability: The HPE NonStop platform is celebrated for its high availability and reliability, rendering it an ideal choice for financial institutions where downtime is not an option. Lusis Payments' fraud prevention solutions capitalize on this reliability, providing continuous protection against evolving fraud threats.
2. Data Integrity and Security: HPE NonStop's commitment to data integrity and security aligns with the stringent requirements of the financial sector. Lusis Payments leverages the platform's robust security features to enhance the protection of sensitive financial data, instilling confidence in both financial institutions and end-users.
3. Compliance and Regulatory Standards: The HPE NonStop platform adheres to rigorous compliance and regulatory standards prevalent in the financial industry. Lusis Payments ensures that its fraud prevention software complies with these standards, providing financial institutions with a solution that meets the necessary regulatory requirements.

 
Exclusivity with Lusis Payments:
Lusis Payments proudly stands as the exclusive provider of payments fraud prevention technology on the HPE NonStop platform. With a singular focus on delivering top-notch security solutions tailored for this unique environment, Lusis Payments has solidified its position as the go-to partner for financial institutions seeking unparalleled protection against fraud.
 
Collaboration with Lusis AI:
In a testament to its commitment to innovation, Lusis Payments collaborates closely with Lusis AI, its dedicated artificial intelligence division. This collaboration is instrumental in enhancing the efficacy of fraud prevention solutions. Lusis AI's expertise in developing intelligent algorithms and predictive models contributes significantly to strengthening Lusis Payments' ability to stay ahead of evolving fraud landscapes.
Additionally, it's worth noting that Lusis Payments employs the BackTest Engine (BTE), also known as the sandbox for testing. This tool ensures rigorous testing of rules before they are moved into a repository for production, effectively utilizing a fully integrated approach with TANGO for acquiring and issuing.
 
Conclusion:
As financial transactions continue to evolve, Lusis Payments and the HPE NonStop platform stand as steadfast guardians, ensuring that the future of digital payments remains secure and resilient. The combined forces of Lusis Payments' cutting-edge fraud prevention software, tailored exclusively for the HPE NonStop environment, and the inherent benefits of operating on this platform create a formidable defense against the ever-present threat of fraud. The seamless integration, fault-tolerant architecture, and scalability of both entities contribute to a secure and efficient environment for financial institutions and businesses. In this collaborative pursuit of security and innovation, Lusis Payments, as the exclusive provider of fraud prevention technology on HPE NonStop, redefines the landscape of digital transactions, setting new standards for the intersection of technology, security, and financial integrity.

​Dear Cherished Clients and Esteemed Partners,
As we approach the close of an extraordinary year, we are thrilled to reflect on the remarkable achievements that have defined Lusis Payments in 2023 and set the stage for an even more dynamic journey in the next 12 months.
 
Global TANGO Expansion:
Our TANGO expansion around the world has been nothing short of exhilarating, and we are poised for even greater strides in the coming year. The foundation of our success rests firmly on the shoulders of our fantastic client-base, who passionately advocate for Lusis Payments within the financial industry whenever the opportunity arises.
 
Client-Centric Approach:
We take pride in our unique approach, boasting a minimal direct sales footprint. Our triumphs are a testament to the incredible relationships we've forged with our fantastic client-base. Your loyalty and enthusiasm in promoting Lusis Payments to other financial institutions have created ripples of success that extend far beyond our initial interactions. We are truly grateful for your trust and partnership. Your support has propelled Lusis Payments to lead the way towards exciting challenges and opportunities that await us in 2024 and beyond.
 
Empowering Transformation:
While our primary focus involves aiding banks and processors in migrating from legacy platforms like BASE24, Postilion, Connex, etc., we are thrilled to share that some clients have opted to bring their payments ecosystem in-house with TANGO. This strategic move not only provides better control but also results in significant cost-savings.
 
Versatility in Solutions:
Whether it's a Cloud-based TANGO instance or a Next-Gen solution in-house, TANGO remains the hands-down choice for Payments authorization, authentication switching, transaction routing, and terminal driving across all channels. The adaptability of TANGO caters to the diverse needs of ATM, POS, Mobile, E-commerce, fraud detection, and related Issuer/Acquirer activities.
 
International Recognition:
We are honored to share that Capital Finance International (CFI.co) recently named Lusis Payments The Best Electronic Payment Systems Solution. This accolade is a testament to our bold strategies, client-centric focus, competitive pricing, technological prowess, and dedicated research.
 
Lusis Payments Latin America Highlights:
In our Latin America operations, we are delighted to welcome two outstanding additions to our team, Bruno Marques and Rodrigo Vite. Their expertise and contributions have enriched our capabilities, benefiting our clients with innovative ideas and proven functionalities.
Our Mexico team has thrived, consolidating knowledge and skills, resulting in an elevated customer support experience. The opening of our new office in Mexico City symbolizes our dedication to better serve you in the region.
 
Success Stories and Collaborations:
A significant processor in the region has successfully completed its migration to TANGO, expressing satisfaction with the platform's architecture and capabilities. This success story, coupled with our participation in ESIS 2023 in Ecuador, has allowed us to engage with new customers, connect with current users, and showcase the offerings of Tango/Lusis.
 
Currently, we are actively collaborating with several banks, processors, and retailers in the region. TANGO represents an excellent opportunity for them to refresh their business strategies, providing a new approach and proven savings. The introduction of the Tango Fraud Management Solution offers a groundbreaking way to handle fraud securely and efficiently.
 
A Glimpse into the Future:
As we close the chapter on 2023, Lusis Payments stands ready with a full portfolio of solutions, promising to navigate the ever-changing market needs in innovative ways. We look forward to a future filled with new possibilities and collaborative success.
 
Warmest Wishes for the Holidays:
In the spirit of the season, we extend our warmest wishes for a joyous Christmas and a New Year filled with prosperity and fulfillment. May the holidays bring you moments of warmth, love, and shared joy with your loved ones.
 
Thank you for being an integral part of our journey. Here's to a Merry Christmas and a wonderful 2024 filled with continued success!
 
Warm regards,
Lusis Payments Americas

In an era witnessing a gradual shift from physical cash to digital transactions, the demand for accessible cash remains a tangible reality, especially in countries with substantial unbanked populations. For decades, the Automated Teller Machine (ATM) has played a pivotal role in national cash management. However, escalating costs, driven by governmental pressures for financial inclusion, reduced transaction volumes, and mounting maintenance expenses, have compelled banks to seek innovative solutions.

White Label ATMs: A Collaborative Solution
Enter White Label ATMs – a proven and compelling solution to the challenges faced by banks. In this model, each ATM offers consumers the same experience and services as their bank, with costs shared among participating banks, resulting in a more cost-effective solution for each. This not only benefits the banks but also enhances the accessibility of ATMs for consumers.
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Traditionally, ATM systems operated within fixed screen states and limited messaging protocols. However, recent advancements in ATM software, such as those from vendors like Auriga, have revolutionized the landscape. Intelligent PC-based software and flexible messaging protocols now deliver a consumer experience that adapts to the user's card, providing diverse menus and services.

Empowering Personalized Experiences with TANGO
Taking this evolution further, modern ATM software, combined with innovative solutions like TANGO from Lusis Payments, enables banks to personalize services in real-time based on consumer-specific information. TANGO's advanced architecture and processing power offer several key advantages:

1. Extensible Data Bus: TANGO's Data Bus facilitates seamless information sharing among its services. Adding or personalizing an ATM service becomes a configuration task without the need for coding.

2. Configurable Rules Engine: TANGO boasts a powerful rules engine that acts on various data fields to orchestrate workflows. From authorization checks to extended risk detection through machine learning models, TANGO ensures robust transaction security.

3. Message Management Power: Originally designed as an ultra-high-performance message broker, TANGO guarantees no transaction losses. Its multi-destination routing allows simultaneous retrieval or update messages with multiple endpoints, streamlining transaction processing.
Another exciting fact is that there are existing white label ATM schemes in Belgium and the Netherlands have already proven the viability of shared infrastructure models, demonstrating substantial cost benefits.
 
Seamless Bill Payments: A New Frontier
As we navigate the evolving landscape of banking services, white label ATMs are not only transforming cash access but also becoming integral to another aspect of daily life – bill payments. Modern ATM technologies now facilitate seamless bill payments directly from the ATM interface.
 
Consumers can conveniently settle utility bills, credit card payments, and other financial obligations at these ATMs. This expansion of services adds a layer of convenience for users, further emphasizing the versatility and adaptability of white label ATMs.

​Overcoming Mindset Barriers
Despite the evident advantages, the adoption of white label ATM schemes faces challenges. Legacy thinking often proves harder to change than technology. Banks may be hesitant to undergo short-term disruptions for long-term gains, opting for budget-driven approaches over visionary models. Yet, market interest in white label ATM solutions is growing, as banks recognize the potential to share ATMs while maintaining their unique service brand.
 
In conclusion, the era of banks exclusively operating their ATM networks is evolving. Modern technologies empower banks to share ATMs collaboratively, delivering distinct services without the need for branded signage. The economic rationale increasingly favors shared infrastructure, suggesting a future where the advantages of individual ATM signage may no longer justify the excessive costs of going it alone.