 The payments industry in 2025 is undergoing a transformative shift, driven by rapid technological advancements, evolving consumer expectations, and heightened regulatory scrutiny. As digital transactions become increasingly central to global commerce, financial institutions and payment providers must adapt to stay competitive and secure. Lusis Payments stands at the forefront of this evolution, offering solutions that address the industry's most pressing challenges and opportunities. Embracing Real-Time Payments Real-time payments (RTP) have transitioned from a novelty to a necessity. Consumers and businesses alike demand instantaneous transaction capabilities, pushing financial institutions to modernize their infrastructures. Lusis Payments' TANGO platform is engineered to meet this demand, providing high-performance transaction processing that ensures speed, reliability, and scalability. By facilitating real-time settlements, TANGO enhances customer satisfaction and operational efficiency for banks and payment processors. Harnessing Artificial Intelligence for Fraud Prevention The rise in digital transactions has unfortunately been paralleled by an increase in sophisticated fraud schemes. Traditional rule-based fraud detection systems are no longer sufficient. Lusis Payments integrates advanced artificial intelligence (AI) into its solutions, enabling real-time analysis of transaction patterns to detect and prevent fraudulent activities proactively. This AI-driven approach not only safeguards financial assets but also reduces false positives, ensuring legitimate transactions proceed without unnecessary hindrance. Adapting to ISO 20022 Standards Global financial messaging is undergoing a significant transformation with the adoption of ISO 20022 standards. This new messaging format offers richer, more structured data, facilitating improved interoperability and compliance. Lusis Payments' solutions are fully compatible with ISO 20022, allowing institutions to seamlessly transition and capitalize on the benefits of enhanced data analytics and streamlined operations. Preparing for the Digital Euro and Central Bank Digital Currencies (CBDCs) The European Central Bank's exploration of a digital euro signifies a broader trend toward central bank digital currencies (CBDCs). These digital currencies promise to revolutionize the way value is exchanged, offering secure, efficient, and programmable money. Lusis Payments is actively developing capabilities to support CBDC transactions, ensuring clients are prepared for this impending shift in the monetary landscape. Enhancing Cross-Border Payment Efficiency Cross-border payments have traditionally been plagued by delays, high costs, and lack of transparency. Innovations in blockchain technology and stablecoins are addressing these issues, offering faster and more cost-effective solutions. Lusis Payments is leveraging these technologies to streamline international transactions, reducing settlement times and fees, and improving the overall customer experience. Facilitating Offline Payment Capabilities Recent geopolitical tensions and infrastructure vulnerabilities have highlighted the need for resilient payment systems capable of operating offline. Countries like Sweden and Finland are developing offline card payment systems to ensure continuity during internet outages. Lusis Payments is contributing to these efforts by designing solutions that enable secure, offline transaction processing, ensuring uninterrupted service even in challenging circumstances. Integrating AI Agents into Payment Ecosystems Artificial intelligence is not only enhancing fraud detection but also transforming the way consumers interact with payment systems. AI agents capable of executing transactions on behalf of users are becoming increasingly prevalent. Lusis Payments is at the cutting edge of this innovation, developing platforms that support AI-driven transactions, thereby offering users a more seamless and personalized payment experience. Conclusion The payments industry in 2025 is characterized by rapid innovation and the convergence of multiple technological advancements. Lusis Payments is uniquely positioned to navigate this complex landscape, offering solutions that address the critical needs of real-time processing, fraud prevention, regulatory compliance, and customer engagement. By embracing change and fostering innovation, Lusis Payments empowers financial institutions to thrive in the evolving digital economy. For more information on how Lusis Payments can support your organization's payment transformation journey, CONTACT US  Navegando el Futuro de los Pagos: Cómo Lusis Payments Impulsa la Innovación en 2025
La industria de pagos en 2025 está experimentando una transformación significativa, impulsada por avances tecnológicos acelerados, expectativas cambiantes de los consumidores y un mayor escrutinio regulatorio. A medida que las transacciones digitales se vuelven fundamentales para el comercio global, las instituciones financieras y los proveedores de pagos deben adaptarse para mantenerse competitivos y seguros. Lusis Payments se sitúa a la vanguardia de esta evolución, ofreciendo soluciones que abordan los desafíos y oportunidades más relevantes del sector. Adopción de Pagos en Tiempo Real Los pagos en tiempo real (RTP) han pasado de ser una novedad a convertirse en una necesidad. Tanto los consumidores como las empresas exigen transacciones instantáneas, lo que obliga a las instituciones financieras a modernizar sus infraestructuras. La plataforma TANGO de Lusis Payments está diseñada para satisfacer esta demanda, proporcionando un procesamiento de transacciones de alto rendimiento que garantiza velocidad, fiabilidad y escalabilidad. Al facilitar liquidaciones en tiempo real, TANGO mejora la satisfacción del cliente y la eficiencia operativa de bancos y procesadores de pagos. Uso de Inteligencia Artificial para la Prevención del Fraude El aumento de las transacciones digitales ha venido acompañado de un crecimiento en esquemas de fraude cada vez más sofisticados. Los sistemas tradicionales basados en reglas ya no son suficientes. Lusis Payments integra inteligencia artificial avanzada en sus soluciones, permitiendo un análisis en tiempo real de los patrones de transacción para detectar y prevenir actividades fraudulentas de manera proactiva. Este enfoque basado en IA no solo protege los activos financieros, sino que también reduce los falsos positivos, asegurando que las transacciones legítimas se procesen sin obstáculos innecesarios. Adaptación a los Estándares ISO 20022 La mensajería financiera global está experimentando una importante transformación con la adopción de los estándares ISO 20022. Este nuevo formato de mensajería ofrece datos más ricos y estructurados, lo que facilita una mejor interoperabilidad y cumplimiento normativo. Las soluciones de Lusis Payments son totalmente compatibles con ISO 20022, permitiendo a las instituciones realizar una transición fluida y aprovechar los beneficios de un análisis de datos mejorado y operaciones más eficientes. Preparación para el Euro Digital y las Monedas Digitales de Bancos Centrales (CBDC) La exploración de un euro digital por parte del Banco Central Europeo refleja una tendencia más amplia hacia las monedas digitales emitidas por bancos centrales (CBDC). Estas monedas digitales prometen revolucionar la forma en que se intercambia el valor, ofreciendo dinero seguro, eficiente y programable. Lusis Payments está desarrollando activamente capacidades para soportar transacciones con CBDC, asegurando que sus clientes estén preparados para esta inminente transformación del sistema monetario. Mejora de la Eficiencia en Pagos Transfronterizos Los pagos internacionales tradicionalmente han estado marcados por demoras, altos costos y falta de transparencia. Las innovaciones en tecnología blockchain y stablecoins están abordando estos problemas, ofreciendo soluciones más rápidas y rentables. Lusis Payments está aprovechando estas tecnologías para optimizar las transacciones internacionales, reduciendo los tiempos de liquidación y las tarifas, y mejorando la experiencia general del cliente. Facilitación de Pagos en Modo Offline Las tensiones geopolíticas recientes y las vulnerabilidades de infraestructura han resaltado la necesidad de contar con sistemas de pago resilientes capaces de operar sin conexión a internet. Países como Suecia y Finlandia están desarrollando sistemas de pago con tarjeta en modo offline para garantizar la continuidad del servicio en caso de interrupciones. Lusis Payments está contribuyendo a estos esfuerzos mediante el diseño de soluciones que permiten procesar transacciones seguras en modo offline, garantizando un servicio ininterrumpido incluso en circunstancias adversas. Integración de Agentes de IA en los Ecosistemas de Pago La inteligencia artificial no solo está transformando la detección del fraude, sino también la forma en que los usuarios interactúan con los sistemas de pago. Los agentes de IA capaces de ejecutar transacciones en nombre de los usuarios son cada vez más comunes. Lusis Payments se encuentra a la vanguardia de esta innovación, desarrollando plataformas que permiten transacciones impulsadas por IA, ofreciendo así una experiencia de pago más fluida y personalizada. Conclusión La industria de pagos en 2025 se caracteriza por una rápida innovación y la convergencia de múltiples avances tecnológicos. Lusis Payments está en una posición única para navegar este entorno complejo, ofreciendo soluciones que responden a necesidades críticas como el procesamiento en tiempo real, la prevención del fraude, el cumplimiento normativo y la experiencia del cliente. Al adoptar el cambio y fomentar la innovación, Lusis Payments empodera a las instituciones financieras para prosperar en la economía digital en constante evolución. Mercedes Fabila Lusis Payments [Latin America] +52 55 9195 5136 [email protected] www.lusispayments.comwww.lusispayments.com  The card-based payments mechanism has evolved over many decades and is now a commonplace experience for both the consumer and merchants. Recently there has been a steady stream of new payment innovations, though none has yet to achieve the ubiquity of the traditional card. So what near-term changes can we expect in the US market in how consumer payments are conducted? In this paper we will be looking at potential drivers for change, specifically;
From a technology perspective it is reasonable to assume that the necessary ingredients and know-how currently exists to build any form of consumer payments system. Cloud-computing, strong encryption, AI and machine learning, blockchain, crypto-currencies, and digital wallets, are all ingredients for a new era in consumer payments. However, it is not the technology that will ultimately determine the direction of consumer payments but rather who stands to benefit within the payments ecosystem. So who might benefit from a new consumer payments method and who might lose out?
The rampant fraud losses rightfully creates great concern. There is a deep, moral instinct that kicks in when the 'bad-guys' seemingly get away with criminal gains. There is certainly some great AI and machine learning technologies emerging that are creating tangible reductions in fraud levels. However, one of the great challenges of fraud detection and prevention is that fraud evolves. Card fraud is no longer the purview of chancers and petty thieves, it has become the domain of sophisticated, organized crime gangs with the capability to probe security defenses and rapidly exploit any vulnerabilities. The irony is that despite more and more consumers being impacted by card-related fraud the popularity and increased usage of credit cards suggests there are still significant gains to be made by the card processing networks and card issuers. With commercial factors being what they are, card processing organizations are under no obligation to eliminate fraud. Provided that the losses are sufficiently small relative to the financial gains then the quest for more growth becomes the priority. Given the healthy profits associated with card processing and its apparent entrenchment into the commercial fabric it begs the question - “is there sufficient pressure for change?” Consumers who are subjected to card fraud often face significant inconvenience trying to recover lost funds and restore reputations. With the current levels it is reasonable to assume that consumers are becoming increasingly open to alternate payment methods. However, consumer dissatisfaction cannot of itself introduce a new payments option. We need another trigger point. The question of interchange fee rates has been a long running battle between retailers, card issuers, and the networks. Retailers have long held the view that they are being gouged over interchange fees and service charges. In 2021, the Global Payments Consulting firm GMSPI issued a comprehensive report highlighting the dramatic imbalance in commercial profits experienced by the different players in the card-payments chain.
Meet Dave Smith, Payments Specialist with Lusis Payments’ European team.  Q: Let’s kick off with a direct question - the payments, and more broadly the financial sector, is facing a myriad of challenges, would you say you’re optimistic about what the future holds? Dave: Definitely. I’ve been in the financial sector for a long time, and I’ve seen waves of economic, social and technology events that all threaten to completely rock the sector. But this is an incredibly resilient industry - one of the pioneers of technology in business. We’re at our best when we’re putting customers first, developing products that help them in their lives, and enabling the global economy to function - payments are central to that. That makes me very optimistic about the future of payments - powered by technology. At the end of the day, payments are at the heart of the way we live, and that makes them central to an organisation’s reputation. Q: You say that payments are at the heart of the way we live, do you think banks recognise that enough as they look for new revenues and business models? Dave: There can be a mindset within banks that see payments as a commodity or utility. I think that’s a big mistake, because if you take payments away then the rest of the banking infrastructure loses a sense of purpose. Banks can sometimes see it more as a chore that the central bank makes them handle than what it really is - a direct connection to the customer. That’s when they run the risk out trying to outsource it to another institution. Big mistake. Consumers want banks to handle payments. It’s one of the most trusted aspects of banking - that you help me move my money, pay my mortgage, get cash out or buy goods and services. The trick is to turn that into an effective business model, which, with the right infrastructure, is very achievable for almost every financial services institution out there today. Q: What challenges do you see banks facing in terms of their business models? Dave: There was a massive acceleration pre-pandemic of online only banking - not just the challengers we see in the UK and Europe, but also traditional banks who would offer you an extra half a percent of interest in order to bank online and not use a branch. So managing a physical footprint is certainly on the list. On top of that, you have a new generation of consumers who will live very differently than those before. More subscription services and less ownership, more renting homes and less buying. That has a knock on effect for the range of other financial services products banks typically facilitate - from mortgages to insurance. There has been a continued depression of interest rates which means the classic business model of banks taking and lending money is more difficult than before. On the other hand, transaction volumes have gone up hugely in the pandemic. However, banks haven’t necessarily been the quickest to respond with new products and services (and I include challengers in that too to a certain extent), in part because of regulation but also because they didn’t have the right infrastructure in place to move rapidly. Q: What role do you think regulators do, and should, play in the development of payments going forwards? Dave: Regulations can create opportunity for the financial services sector, often in how they govern consumer service levels. Faster Payments is a great example of that - people want to get their money instantly (and in a 24/7 world why would they not!) and so it helps focus technology and innovation on meeting those wants and needs. Q: What’s the big infrastructure challenge that’s holding banks back from seizing these opportunities? Dave: At the end of the day, too many financial institutions are using technology that is seriously outdated, and wasn’t built for the range of scenarios that we see now. Challenger banks that only came onto the market a few years ago are already rebuilding their infrastructure, so it makes no sense that you’d have a big name bank that’s using technology someone purchased in the 70s or 80s to run significant parts of their systems. The name of the game is flexibility. You need to put infrastructure in place that can survive any unknown scenario. No one in banking predicted the challenges that 2020 would bring - but too often they only build technology that copes with the scenarios they know about. Banks need a new approach - they need to build for uncertainty, for flexibility and for an unknown future. Then you get resilience. Whether they rip and replace, or take a bit-by-bit approach, is completely down to their needs, but something needs to change. Quickly.
By Fabrice Daniel, Artificial Intelligence Department of Lusis, Paris, France http://www.lusisai.com ABSTRACT Combining evidence from different sources can be achieved with Bayesian or Dempster-Shafer methods. The first re-quires an estimate of the priors and likelihoods while the second only needs an estimate of the posterior probabilities and enables reasoning with uncertain information due to imprecision of the sources and with the degree of conflict between them. This paper describes the two methods and how they can be applied to the estimation of a global score in the context of fraud detection. INTRODUCTION Fraud detection mainly relies on expert driven methods that implement a set of rules and data driven approaches implementing machine learning (ML) models. Both provide an estimate (or a score) for a new transaction to be fraudulent. While each ML model naturally returns a fraud probability, the experts can also attach a probability to each rule. They can also be automatically calculated from the labeled his-tory. Combining them together produces a global score that can be used in a near real time system to rank a set of trans-actions having the highest probability to be fraudulent. By obtaining this ranking, investigators can concentrate their efforts on the suspect transactions with the highest probability of being true frauds. The most common approaches for combining scores are summing individual scores or returning the highest score among the trigged rules. This is not entirely satisfactory given that summing scores is equivalent to averaging the probabilities returned by each predictor (rule or model). It also does not take into account the uncertainty of each predictor and the degree of conflict between them. For the Lusis fraud system, we work on implementing more appropriate approaches. This paper proposes two ways for addressing this problem. The first is to use Bayesian methods [5]; the second is to combine the scores by using Dempster-Shafer theory [6].
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