RS Credentials

  1. The Transformative Power of Electronic Payments

Banks

  • Delivered the digital strategy roadmap and governance framework to a global banking solution provider and a leading direct bank in the US
  • Built a large scale digital overlay service for a faster payments infrastructure at a country level
  • Developed the central bill payments solution at a national level and onboarded all the leading banks on that platform for a country with 1.3 billion citizens
  • Delivered the fraud and risk solution at a national level for a country with a population of 1.3 billion citizens that works across 18 payment channels
  • Built advanced analytics solutions with AI/ML for a leading direct bank in the US for their strategic merchant relations
  • Built the card tokenization platform for one of the largest global payment networks
  • Executed a managed services project for a testing authorization platform of the largest global payment network and delivered 80% efficiency through automation
  • Managed the certification testing for the central payment authority at the national level of a country with 1.3 billion citizens

    • Networks

  • Implemented the in-country payment infrastructure across faster payment central infrastructure, bill payments and fraud and risk management platform at national level which is rated #1 in-country infrastructure in an assessment conducted by FIS Global Survey, processing 900+ million transactions per month supporting an economy of 1.3 billion people
  • Partnered with world’s largest payment network for 25+ years across all payment applications and facilitated scaling up from 500 TPS to 56,000 TPS growth
  • Over 10,000 person-years of technology services experience across 250+ applications covering authorization, clearing, settlement, dispute management, fraud and risk management, data and analytics, customer on-boarding, servicing, and billing.
  • Executed API-zation roadmap development for a large payments processor which had grown over the years through large number of M&A.
  • Implemented the digital overlay layer using large grained APIs to ease the accessibility of the in-country faster payment rails.
  • Delivered one of the largest data warehouse of card based payments that link to uniformly resolved reference entities of merchants, stores, cards and more which enabled value added use cases for the issuers and acquirers.
  • Implemented nationwide large scale data lake of payments transactions covering all electronic payments at national level.
  • Built and operated central fraud and risk management platform catering to all 18 channels of electronic payments at a national level

    • Processor

  • Integrated risk scoring platforms for global payments to score card not present (CNP) transactions
  • Enabled EMV contact and contactless solutions, and EMVCo 3DS2 solutions for leading global processors
  • Developed new business capabilities to support least cost routing, dispute management, digital acceptance, omnichannel experience for leading global processors
  • Executed API-zation roadmap development for a large payments processor which had grown over the years through large number of M&A.
  • Developed a data lake to contain payment messages from eighteen different channels on a national scale to enable one-view for enterprise fraud and risk management - EFRM Factsheet | EFRM Case Study
  • Implemented faster payments (UPI) for the acquiring and issuing processing services available for banks in India

    • Payment Service Provider

  • Implemented an API-first, cloud-first, mobile-first omnichannel merchant acquiring and payments platform for multiple customers in the US market
  • Enabled EMV / chip solutions and certification for numerous customers in the US market
  • Delivered new capabilities to enhance payment security with solutions including tokenization, EMVCo 3DS authentication, third party risk and fraud solutions, end-to-end encryption, etc.
  • Accelerated customer on-boarding through digitization of existing business capabilities

    • National Payment Infrastructure

    RS has architected, built and implemented the digital payment infrastructure of India with the advanced faster payment platform, a country level bill payment network, and a ubiquitous fraud and risk management platform.

  • The faster payment platform for India
  • A central electronic bill payment network for India – Bharat Bill Payment System
  • The fraud and risk management platform across 18 payment channels in India

    • Merchants

  • Implemented an API-first, cloud-first, mobile-first omnichannel merchant acquiring and payments platform for multiple customers in the US market
  • Enabled EMV / chip solutions and certification for numerous customers in the US market.
  • Delivered new capabilities to enhance payment security with solutions including tokenization, EMVCo 3DS authentication, third party risk, and fraud solutions, end-to-end encryption, etc.
  • Accelerated merchant enablement through digitization of existing business capabilities



    • Read about why leading payments brands trust RS Software

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