Volante + Accenture: Payments Modernization 3.0

Volante + Accenture:
Payments Modernization 3.0

A blueprint for financial innovation

Why modernization matters more than ever

Banks and financial institutions are under growing pressure to deliver faster, smarter, and more resilient payment experiences. Fragmented legacy systems and regulatory shifts—from ISO 20022 to real-time schemes—demand an end-to-end modernization strategy that enhances operational agility while reducing cost and complexity.

In our latest collaboration, Volante Technologies and Accenture present the Payments Modernization 3.0 White Paper, a practical roadmap to help financial institutions future-proof their payment infrastructure and accelerate innovation.

Key highlights from the white paper

Modernization 3.0 isn’t just about upgrading systems—it’s about building adaptive, data-driven ecosystems that evolve with changing customer and regulatory demands. Key insights include:

72% of banks cite modernization as their top technology priority in the next 24 months.

Up to 40% of operating cost savings can be realized through platform consolidation and cloud migration.

Real-time payments growth is expected to exceed 400% by 2028, requiring infrastructure that can scale and adapt instantly.

APIs and low-code tools are redefining how banks connect new services, partners, and customers.

Download Payments Modernization 3.0

From legacy to leadership: the path to modernization 3.0

Payments modernization 3.0 goes beyond compliance and efficiency. It redefines the payment ecosystem through:

End-to-end digitization across all payment rails—ACH, wires, RTP, cross-border, and more.
Cloud-native, API-first architectures for agility and scalability.
AI-driven intelligence to optimize payment routing, reconciliation, and liquidity management.
Seamless collaboration between banks, fintechs, and ecosystem partners to deliver customer-first innovation.

“Modernization 3.0 is not a one-time transformation–it’s a continuous evolution where technology, data, and collaboration define competitive advantage.”