Research report

Forging a future-proof payments model

Discover how European financial institutions are rethinking payments operating models, outsourcing strategies, and Payments as a Service to improve resilience, efficiency, and long-term competitiveness.

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Industry research

How banks are reshaping payments

Produced by Finextra Research in association with Tieto Banktech, this report explores how European financial institutions are adapting payment operating models to respond to changing regulations, technology, customer expectations, and competitive pressures. Based on research with 150 banking and payments professionals, it highlights the priorities shaping the future of payments.

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European banking professionals surveyed

150

Use another bank for payment processing

87%

Why this matters
Payment operating models are changing rapidly. Increasing regulation, new technologies, real-time payments, and growing customer expectations are forcing banks to reconsider how they build, operate, and scale payment services. This research explores where the market is heading and what drives future operating model decisions.
Key insights

What you'll learn

Understand how European banks are approaching payments transformation.

  • 1

    Operating model priorities

    Learn why banks are reconsidering payment processing, outsourcing, and operating models.

  • 2

    Industry challenges

    Explore the biggest concerns around security, compliance, technology, and legacy systems.

  • 3

    Future operating models

    Understand how Payments as a Service and new partnership models are influencing the future of payments.

What's inside the report

The report examines:

  • Current payment processing and outsourcing strategies.
  • The biggest operational challenges facing European banks.
  • Drivers for changing payment operating models.
  • Adoption of Payments as a Service.
  • The barriers to modernisation.
  • How banks evaluate technology partners and future payment platforms.
Payments as a Service
Tieto Banktech's Payments as a Service offering provides composable, API-based payment capabilities that help banks modernise payment operations while supporting scalability, resilience, and continuous innovation. The modular architecture allows individual payment capabilities to operate independently while working together through standardised APIs.
FAQ

Frequently asked questions

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Modernize your payments operating model

Whether you're reviewing your operating model, evaluating Payments as a Service, or planning your next payment transformation program, our specialists can help you identify the right path forward.