Vestigo
HolisticPay
Convergence and modernization layer across all types of card and account payments. Ideal for fast-to-market payments modernization towards truly open, real-time platform, while keeping existing legacy core systems in place. This is all enabled through built-in rich key convergence functionality including flexible fee calculation, consolidated multi-level limit set-ups.
Customer-centric services within HolisticPay fully support use cases requiring real-time customer interaction, such as digital onboarding or consolidated customer overview.
HolisticPay drives easy integration into third-party systems, such as fraud engine, card switch, KYC, loyalty, core system, etc. It is natively integrated with all other Vestigo modules.
Summary
Excel in customer experience by providing your customers with immediate and consistent experience regardless of the product / channel used
Be quick to market with instant payments and other innovative, real-time solutions without the effort, time and risk associated with full legacy replacement
Manage fraud, AML, KYC, sanction screening in effective way across all card and account payments
Play pro-actively in business partner eco-systems
Bank's strategies
Vestigo’s capabilities
Bank's strategies
Fully consolidated solution across all types of card and account payments enabling consistency of customer experience in sophisticated limit management, pricing, lifecycle and status management, loyalty, fraud profiling and customer support
Consolidated, digital customer boarding – single process generates all types of contracts requested by the customer covering areas of cards, account payments, consumer finance, etc.
Real-time instant payments component sits within HolisticPay allowing for a quick win
HolisticPay can act as a stand-in authorization system if required, i.e. if legacy systems have real-time challenges
Flexible integration models with legacy systems or any other future system (seamlessly, natively integrated with Vestigo modules)
Single integration across all card and account payment types
Benefits in terms of quality of decision making – based on more available data
Scale economies leading to unit cost efficiency
Simplify overall landscape, e.g. single fraud solution instead of dedicated solutions previously
Easy, flexible integration through APIs with business partners
This is particularly powerful when combined with Vestigo EmbeddedFinancePartnerships module
Vestigo’s capabilities
