Payments
PaymentsBanking
Retail and commercial banking customers alike expect their payments to be seamless. With ageing, often inherited systems to upgrade and increasing regulations to consider, we help our customers marry existing tech with critical new components to create competitive, modern platforms.
Banking faces multiple challenges – open banking, account-to-account (A2A), real-time payments and services, embedded finances and standards evolutions like ISO 20022, PSD2 and PSD3. We understand these challenges and assist with integration, orchestration and gateways. We help speed up time-to-market and improve customer experience with winning payments strategies, custom-built products and modernised platforms.
We support banks with expertise in:
- Local and cross-border, card, A2A, wallets, APMs and digital currencies
- Platform modernisation and digital core migration, cloud and hybrid
- API & integration strategy, build, modernisation & deployment
- Digital authentication, Know Your Customer (KYC), Anti-money Laundering (AML) and onboarding optimisation
- Merchant experience, orchestration and encryption, terminals and PCI DSS
- Embedded finance, BNPL, lending, issuing and card management
- Compliance and fraud
PaymentsAutomotive
Digital transformation is revolutionising the automotive experience. From parking services to the connected car, payments play an important part in how that transformation takes place.
We help target carbon footprint goals with improved efficiency, by driving consumer behaviour, through simpler access to low emission services and help demonstrate success with increased data visibility. We innovate and challenge with apps and experiences that consumers want to interact with.
We support OEMs with expertise in:
- Next-gen in-car payments
- Marketplace models for parking, electric vehicles, tolling and more
- Car apps, including digital keys and car sharing solutions
- Global scaling, orchestration and vendor integrations
- Frictionless onboarding
- Orchestrated B2B payment streams
- Automated payment flows, loyalty, gamification
PaymentsRetail
Whether in-store or online, the retail experience has evolved alongside today’s connected customers. To help retailers scale globally and evolve payments processes for better user experiences, we work side by side with platform providers on strategy and e-commerce delivery.
From start-ups to pure-play multinationals we help retailers find the right payments solution to meet their needs. We help customers pivot to emerging trends, avoid pitfalls and develop long-term strategy. We’ve led the design and implementation of a global retailer’s payments transformation and have helped evolve digital marketplaces.
We support retailers with expertise in:
- In-app payments for digital wallets
- Seamlessly merged marketplaces
- Financing solutions like buy now, pay later (BNPL)
- Omnichannel unified commerce (mobile, in-store, online)
- Off-the-shelf solutions with Endava as an integrator
- Bespoke orchestration or credit solutions
PaymentsTravel
Travel apps instantly sell holiday packages, flights, accommodation, transport and insurance.
We work at every stage of the payments journey, from travel booking to planning and experiences, and from transit to destination services, to provide more payment options and frictionless checkouts.
We support travel with expertise in:
- Card and non-card payments, wallets and APMs
- Digital currencies and cross-border payments
- Platforms, modernisation, cloud and hybrid enablement
- Integration, orchestration and worldwide payments gateways
- API strategy, building and deployment
- Digital authentication, compliance and onboarding
From our library
Glimpse into our insights
The Massive B2B Payments Opportunity
Discover how digitalisation and AI are driving the $130 trillion B2B payments market, set to grow at 9.45% annually through 2028. As collaboration between traditional players and digital disruptors increases, outdated workflows remain a hurdle. In this E-book, explore modernisation in cross-border payments, new business models and practical strategies to stay ahead.
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The Account-to-Account Payments Tightrope
Discover how A2A payments are transforming with open banking, global networks and rising customer expectations. Balancing the need for speed and security is critical as firms face growing pressure to modernise while combating fraud and regulatory challenges. Explore strategies to overcome obstacles, evaluate build-or-buy decisions and unlock potential.
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Instant Payments More Than Just Money Movement: A Q&A with Scott Harkey
Real-time payments are revolutionising cash flow management, offering businesses transparency, speed and the ability to make smarter financial decisions. In this Q&A, Endava’s Chief Strategy Officer, Scott Harkey, explains how instant payments empower businesses of all sizes and why real-time payments are poised to reshape the financial ecosystem.
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Breaking Boundaries: Challenges and Game-Changers in Cross-Border B2B Payments – a Q&A with Nick Telford-Reed
Cross-border B2B payments are evolving, but businesses still face challenges including liquidity management, high costs and complex regulations. In this Q&A, payments expert Nick Telford-Reed explores how emerging technologies are transforming the landscape.
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How Core Modernisation Unlocks the Power of AI
Unlocking the full potential of AI starts with transforming foundational systems to enable clean, organised data and adaptable architectures. In this article, Scott Harkey explores how businesses can overcome the fear of risk through data-driven approaches and phased transformations, paving the way for innovation and agility.
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What You Really Need to Know About PSD3
The Third Payment Services Directive (PSD3) is an evolution of PSD2, introducing tighter regulations, improved authentication processes and clearer requirements for open banking APIs. In this article, Nick Telford-Reed explores the key changes and what these mean for businesses, marketplaces and the future of payments innovation.
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