Insights

Payments Perspectives from the Field

Practical commentary on BASE24 migration, authorisation platform modernisation, PCI-DSS 4.0, ISO 20022, and real-time scheme adoption — written by practitioners who have delivered these programmes, not theorists who have read about them.

BASE24-EPSISO 8583PCI-DSS 4.0ISO 20022Faster PaymentsSEPA InstantHSMScheme Certification
BASE24EPS
Featured
Migration

The Hidden Complexity of BASE24 to BASE24-EPS Migration

Most organisations begin a BASE24-EPS migration with a reasonable understanding of the technical scope — and then discover, often mid-programme, that the true complexity is significantly greater than anticipated. IDF parameter migration, HSM key ceremony planning, and downstream ISO 8583 interface re-mapping each carry risks that are easy to underestimate.

BASE24-EPSIDF ParametersHSMISO 8583
7 min readRead article
BASE24EPS
Technology

BASE24-EPS Architecture: What the Move to a Modern Authorisation Platform Really Means

BASE24-EPS offers significant capability improvements over legacy BASE24 — real-time authorisation processing, improved resilience

BASE24-EPSAuthorisationPayments Orchestration
5 min readRead
PCIDSS 4.0PSD3EMVISO 20022SCA
Regulation

PCI-DSS 4.0 and Your BASE24 Environment: A Practitioner's Guide

PCI-DSS 4.0 introduces new requirements with direct implications for BASE24 and BASE24-EPS deployments — particularly around HSM k

PCI-DSS 4.0HSM Key ManagementNetwork Segmentation
8 min readRead
Strategy

Why Vendor Independence Matters in Payments Advisory

The payments advisory market is dominated by firms with commercial relationships with the vendors they recommend — partnership tie

AdvisoryIndependenceVendor Selection
4 min readRead
Performance (TPS)Scheme CertificationIntegrationUnit / RegressionTest Pyramid
Migration

Building a Test Strategy for BASE24-EPS Migration: From Unit Testing to Scheme Certification

Testing is consistently the phase of a BASE24-EPS migration that is most underestimated — both in terms of effort and complexity.

TestingScheme CertificationTPS Benchmarking
9 min readRead
ISO 8583ISO 20022pacs.008pacs.002
Regulation

ISO 20022 Migration for BASE24 Environments: pacs.008, pacs.002, and the Translation Layer

The global migration to ISO 20022 is well underway — but many organisations running BASE24 environments are still unclear on what

ISO 20022pacs.008ISO 8583
6 min readRead
PayerAuthSwitchPayeeFaster PaymentsSEPA InstantFedNowRTP< 1 second
Technology

Real-Time Payments and Your Authorisation Platform: Faster Payments, SEPA Instant, FedNow

The growth of real-time payment schemes — Faster Payments, SEPA Instant, FedNow, and RTP — is placing new demands on authorisation

Faster PaymentsSEPA InstantFedNow
5 min readRead
Break-evenInactionModernise
Strategy

Building the Business Case for Payments Platform Modernisation

Payments platform modernisation is a significant investment — and building a compelling business case is often the hardest part. T

Business CasePlatform ModernisationTCO
5 min readRead
SELECTVENDORACIFISFinastraTemenos
Technology

Evaluating Payments Platform Vendors: ACI Worldwide, Finastra, FIS, and Beyond

Selecting a payments platform vendor is one of the most consequential decisions a financial institution can make. The market has c

Vendor SelectionACI WorldwideFinastra
6 min readRead

Go Deeper

Download Our Professional Services Overview

Our Professional Services overview sets out our full service portfolio — BASE24 migration, platform assessment, regulatory compliance, PMO, vendor selection, and payments strategy — along with our approach and the kinds of engagements we typically support.

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Have a Specific Question?

Whether you want to discuss a specific topic — BASE24 parameter migration, HSM key ceremony planning, PCI-DSS 4.0 remediation — or have a question about your programme, we would be happy to hear from you.

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