Report
Building a future-proof international payments infrastructure
How speed, data and compliance are reshaping payments
This report explores how real-time payments are removing traditional safety nets. With non-cash volumes forecast to reach 2.8 trillion by 2028, the window for error is fading away. Legacy systems built for a slower world have reached a structural tipping point.
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Navigating a fragmented landscape at scale
The real pressure emerges when modern demands collide, all at once. From the massive scale of PIX in Brazil to the strict ISO-native mandates in Europe. The rise of instant payments has pulled sophisticated decision-making into the payment flow, right before money moves.
While the shift to real-time is global, the architectural pressure shows up differently in every market:
- LATAM: managing massive scale and continuous exposure through schemes like PIX and SPEI.
- APAC: navigating dense domestic ecosystems while expanding across borders under tightening regulatory mandates.
- Europe & UK: meeting rising standards for transparency and consumer protection as rulebooks evolve.
When speed, data, and compliance collide,
architecture becomes your strategy
You don’t need to let fragmented infrastructure and legacy constraints set the limit on how fast, how safely, or how far your business can grow in a real-time world. A unified payments layer resolves multiple pressure points in one execution path.
The payments experts
Hear from our customers
“Mambu was just the right partner for us based on scale of geographic reach and understanding of the local context. Almost everything we do in the product touches Mambu in some form or fashion.”
Gerald Hentschel, Head of Technology
Western Union International Bank
"Mambu’s composable platform empowered us to create an innovative bank that truly distinguishes itself, exceeding customer expectations with ease of use and modern banking products.”
Gints Ozoliņš, CTO
INDEXO Bank
Ready to navigate the new era of payments?
Get in touch with our team.
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