* [Topics](/en/topics "Topics") * [Application modernization](/en/topics/application-modernization "Application modernization") * What is payments infrastructure? What is payments infrastructure? ================================ Published July 13, 2020•*3*-minute read Copy URL Jump to section --------------- OverviewWhat is payments modernization?Why modernize your payments infrastructure? How does the cloud help?Why Red Hat? Overview -------- In a market driven by rapid innovation, new competition, and demands from increasingly digital customers, even the most capable payments organizations are challenged to adapt to, and thrive in, an always-on, real-time world. Payments infrastructure that once offered a competitive advantage is now increasingly inefficient, restrictive, and complicated to integrate. Advances in cloud technology and artificial intelligence enable companies to provide differentiated features at a lower price point, and plans to modernize payments infrastructure are now a top priority for many organizations. > With Red Hat OpenShift, we can plan and complete a proof of concept in 1-2 weeks, then launch what we’ve developed into production faster to stay ahead of the competition. > > Anderson Agapito > > I.T. Infrastructure manager, Elo [Read the success story](/en/success-stories/elo "success | story | elo") What is payments modernization? ------------------------------- Payments modernization is about improving the way money is moved around the world. It encompasses real-time processing, data-rich messaging, and new standards that make it easier to connect and exchange information. It is also about adopting cloud technology and applying new ways to make the payments organization more efficient. While existing payments infrastructure has served most companies well for many years, the multiple demands of increased payments volumes, customer expectations for shorter settlement times, and ongoing pressure to reduce payments costs mean that organizations must transform and modernize the way they host, run, and process payments. Recommended for you Virtualization with Red Hat OpenShift ------------------------------------- [Watch the webinar](https://www.redhat.com/en/events/webinar/virtualization-with-redhat-openshift?percmp=RHCTG0250000455235) Why modernize your payments infrastructure? ------------------------------------------- Fee erosion is squeezing margins and causing many organizations to look for ways to reduce operating costs. Beyond this, new payments networks are pushing the world to always-on, real-time money movement. And criminals are evolving as well—continuing to find new ways to conceal illicit activity. This is all happening in the context of new non-bank competitors who are disrupting the existing value chain for payments. To meet these challenges organizations are reevaluating their payments infrastructure to thrive in this new environment. How does the cloud help modernize payments infrastructure? ---------------------------------------------------------- Cloud technology makes it possible for payments organizations to run their infrastructure more efficiently and adapt quickly to market changes. Companies can automatically adjust capacity as payments volume increases or decreases, and they can embrace real-time processing with data streaming to unlock the power of payments data with machine learning. The cloud also makes it easier to connect and exchange data externally and tap into emerging digital ecosystems. Why Red Hat? ------------ As the world’s leader in enterprise open source, Red Hat helps communities create the future of cloud technology and enable companies to innovate, promote interoperability, and simplify technology to compete more successfully in the marketplace. Red Hat customers have the freedom to move payments services across the infrastructure that makes the most sense for their business. They can deploy on-site or off-site from providers such as Alibaba, Amazon, Google, IBM, and Microsoft—allowing them to reduce costs and operational complexity while realizing the efficiencies associated with a modern cloud platform. And they can run traditional cloud-native applications across payments infrastructure using a consistent cloud experience, letting them progressively modernize applications over time. > With OpenShift Container Platform, we have the right technology to deliver our payment platform and to continue improving our services. No other solution provider in Italy can offer the same capabilities that we can. > > Stefano Menotti > > Head of Digital & Data Driven Solution, SIA The official Red Hat blog ------------------------- Get the latest information about our ecosystem of customers, partners, and communities. [Keep reading](/en/blog "The official Red Hat blog") Recommended for you Introduction to OpenShift Applications -------------------------------------- A developer-focused introduction to OpenShift application building, deployment, scaling, and troubleshooting. [View course](https://www.redhat.com/en/services/training/do101-introduction-openshift-applications?percmp=RHCTG0250000455236) Keep reading ------------ ### Why use Red Hat Consulting? Red Hat® Consulting can help you take on new technological shifts to keep pace with the current business environments and realize a return on your investment (ROI) more quickly. [Read the article](/en/topics/application-modernization/the-value-of-red-hat-consulting "article | Why use Red Hat Consulting?") ### Explore Joint Warfighting Cloud Capability with Red Hat To protect national security and increase warfighter effectiveness, the DoD is working to become more agile, while more securely distributing workloads and data across its infrastructures. [Read the article](/en/topics/cloud-computing/joint-warfighting-cloud-capability-with-red-hat "article | Joint Warfighting Cloud Capability with Red Hat") ### Modernizing defense software factories Explore Red Hat solutions for modernizing defense software factories. [Read the article](/en/topics/cloud-computing/modernize-defense-software-factories "article | Modernizing defense software factories") Application modernization resources ----------------------------------- ### Related content * Checklist [4 reasons to run applications on Microsoft Azure Red Hat OpenShift](/en/resources/4-reasons-to-run-azure-checklist) * Analyst material [Analyzing the Economic Benefits of Microsoft Azure Red Hat OpenShift for Migration and Modernization](/en/engage/esg-economic-benefits-azure-openshift-analyst-material) * Case study [Powering O2’s next-generation 5G network with Red Hat OpenShift](/en/resources/o2-czech-republic-case-study) * Overview [Manufacturers combine modernization and continuity with Red Hat](/en/resources/anon-manufacturing-overview) ### Related articles * [Linux for cloud computing](/en/topics/linux/linux-for-cloud-computing) * [What is cloud migration? 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