​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

Enhancing Speed and Scalability
In today’s digital-first economy, speed is critical. TANGO V8 delivers a 25% increase in performance compared to its predecessor, ensuring transactions are processed more efficiently than ever before. This not only improves customer experience but also reduces operational costs for financial institutions. Additionally, the scalability provided by our advanced distributed computing and cloud integration enables organizations to handle peak transaction loads with ease, ensuring uninterrupted service during high-demand periods.

TANGO V7 laid the foundation for powerful transaction processing, and with TANGO V8, we have expanded its capabilities to fully incorporate distributed computing, supporting both cloud-based and on-premise deployments. TANGO V8 introduces full clustering support, message routing enhancements, and Kubernetes compatibility. This flexibility ensures institutions can leverage automated scaling and optimize resource allocation based on real-time demand.

Driving Industry-Wide Digital Transformation
With the rise of digital payments, financial institutions must adopt technology that supports flexibility and modernization. TANGO V8’s microservices-driven architecture allows organizations to deploy services independently, fostering continuous innovation and faster time-to-market for new financial products. By enabling seamless inter-pod communication and supporting Kubernetes-driven lifecycle management, TANGO V8 ensures that financial institutions remain agile in an ever-changing market.

Building upon the robust routing capabilities of TANGO V7, TANGO V8 introduces a refined message routing system that enhances efficiency. The implementation of a new “pub/sub” topology improves scalability and fault tolerance while maintaining the proven reliability of previous versions. The new message router service dynamically routes messages based on availability and traffic conditions, optimizing overall system performance.

Strengthening Security and Compliance
The financial industry operates under strict security and regulatory requirements. TANGO V8 reinforces data protection through its adoption of the latest cryptographic libraries, including OpenSSL 3 and OpenLDAP. The platform’s redesigned network session and transport layers further enhance security, ensuring compliance with evolving industry standards.

TANGO V7 provided a strong security framework, and TANGO V8 builds on that foundation with enhanced encryption, real-time monitoring, and external plugin support for tools like AppDynamics. These improvements allow institutions to gain deeper visibility into their system performance, enabling proactive issue resolution and enhanced regulatory compliance.

Fostering Financial Inclusion and Innovation
As global markets shift towards digital and mobile payments, financial inclusivity becomes more critical. TANGO V8 enables institutions to expand their reach by supporting diverse payment channels, from traditional banking services to fintech innovations. Its advanced routing and clustering capabilities empower financial service providers to deliver seamless, secure, and scalable payment solutions to underserved regions, thereby bridging the gap between traditional banking and modern financial services.
 
Conclusion: Shaping the Future of Payments
Our product, TANGO V8, represents more than just an upgrade—it is a strategic evolution designed to reshape the payments landscape. By building upon the strong foundation of TANGO V7 and introducing cutting-edge enhancements, we empower financial institutions to stay ahead of industry trends and customer expectations. With improvements in performance, cloud capabilities, security, and routing efficiency, TANGO V8 ensures that financial institutions are prepared for the next wave of digital transformation.

As the world moves towards a fully digital economy, Lusis Payments remains committed to providing innovative solutions that drive progress and redefine the future of payments.

​To learn more about how our product, TANGO V8, can transform your payment processing capabilities, contact:
 
Brian Miller
General Manager
Lusis Payments
315 Montgomery Street #900 
San Francisco CA 94104
​(+1) 415 829 4577
​​[email protected]
www.lusispayments.com

TANGO is the world's most performant Retail Payments solution with benchmark tests demonstrating 10,000 transactions per second. Built using a micro-services architecture, TANGO is also feature-rich and easily extensible. Backed by Lusis' proven track record it is not surprising that more and more organizations are swapping out their legacy payments infrastructure for TANGO.

TANGO is the culmination of decades of crafted engineering that ensures the maximum operational performance and reliability as well as the most affordable cost of ownership. For example, TANGO includes a Self-Monitoring and Auto-Spawning feature whereby a suite of timers can be configured to monitor the processing time for specific events. By comparing the real-time measurements against the defined norms TANGO can immediately identify bottlenecks as soon as they occur. TANGO can also be configured to automatically spawn new instances of the affected micro-service or process thereby ensuring the required throughput is maintained.

TANGO uses the Docker containerization platform and a typical deployment uses the 5-Container model shown below.

Significantly, the container boundaries are defined to simplify manageability. For example, the gateways and firewalls are combined in a
single container to simplify PCI certification tasks. Equally, the monitoring and other tools are located in a dedicated container to ease
system evolution.

This approach has numerous benefits, not least of which is that it is well proven and supports the easy and secure use of cloud infrastructure. However, in this model, container creation is still a manual process. Consequently, Lusis has expanded TANGO's container model to deliver the full elastic scalability advantages of a cloud-native environment.

“Do you take plastic?”
 
There was a time when consumers were asking that question in Retail outlets around the world. Nowadays, the ability to pay for goods and services with a debit or credit card is so commonplace that consumers simply assume that card acceptance is available virtually everywhere.
 
It wasn’t always like this but several decades of investment has built the card payment infrastructure to its current state. However, despite the continued growth in consumer payment transactions, card payments does have its drawbacks.
 
The level of fees paid by merchants has been a long standing area of contention, often resulting to protracted legal action to enforce greater billing transparency and reductions in overall fee costs. Another area of serious concern is the dramatic increase in card and account fraud, clearly aggravated by consumer behavior changes during the pandemic. Of course, the quest for ever simpler and more secure payment options is of great interest to many consumers.
 
There has been a lot of payments innovation over the years including stored value cards, digital wallets, and bio-metric authentication. However, many of these schemes piggyback on the card infrastructure or achieve only limited levels of success. In most industries technology has been reinventing itself at accelerating rates but this is not the case with card payments. This begs the question – “Is the card itself the bottleneck to change?”
 
Putting aside the entire settlement cycle there are several key elements that a truly alternative consumer payments option needs to address. Firstly, the consumer needs to have some form of payment token and authentication method. Additionally, the alternate payment scheme needs to ensure the secure acquisition and routing of the payment to the appropriate institution for authorization.
 
The advent of smartphones and wearable computing, coupled with the growth of real time account to account payments is already proving to be an interesting possible alternative to card payments. Some adoption rate projections suggest that account-based payments could notionally obsolete card-based payments.
 
It seems that the real hurdle to obsoleting card payments is a commercial issue, not a technical one. As long as the new entrants into the consumer payments market all seek their own “magic bullet” then they are most likely to be left nibbling around the market share of the traditional card brands. The last thing consumers want is to be drip-fed an endless array of different payment options with no clear indication of convergence and interoperability. 
 
The electric car market provides a great comparison in this regard. In an age of climate change and excessive wastage it seems obvious that governments should demand all electric cars sold in their country to have the same charging connection. The cost and timescales to create an effective charging stations infrastructure is immediately reduced, and consumers would have greater confidence to switch to electric cars. I have no doubt that were the governments of a few of the major market countries to take this bold step it would be universally applauded and the card manufacturers would deliver the requisite standards in a heart beat.
 
The US market saw a strong consortium of banks cooperate in the launch of Zelle as a competitive counter to Venmo. However, the really big question is whether the banks, Fintechs, and Retailers can cooperate to deliver a single, ubiquitous consumer payments option that can move us beyond the 70 years history of plastic cards.