Driving Innovation and Compliance in Global Payment Platforms through Predictive Analytics and DevOps Automation

Abstract

The card payment platform Offer Management Platform, an essential global capability that enables customized promotions and discounts to be shared between banks, retailers, cardholders, and the The card payment platform network, faced financial and reputational risk due to complications that included long release cycles, bottlenecks caused by a monolithic architecture, impactful data pipelines, and lengthy and complicated compliance preparations in times of high retail activity. This paper presents a plan for modernization centered upon automated compliance programs, credential course data testing through scalability, data-driven conditions to enhance personalization with the use of AI, and adopting Continuous Integration and Continuous Delivery (CI/CD) practices. The result of the modernization presented returns of more than 15 million in new revenue per year, transaction throughput at 3X the historical volume of peak rates, 80% productivity improvements in PCI/SOX audit preparations, and release schedules reduced from weeks to less than 24 hours. Innovation in the improved systems addressed global data shared across complex environments through parameterized automation; confidence of engagement with stake holders through the use of synthetic testing to test performance; and the balance of marketer turnaround time while working closely with governance, risk, and compliance. This case study outlines how large enterprise platforms can be transformed in stages to robust digital commerce capabilities at the enterprise scale, while managing compliance and responsive to market needs.