The real cost of payments
The real cost of payments I’ve always wondered, from both a consumer’s and a payment professional’s perspective, what the true cost of providing payment services is to a bank. Of course, I cannot ask...
The Payment Engine Problem
The Payment Engine Also known as the payment hub or simply the back office application, these IT solutions help banks process hundreds of thousands of payments a day like clockwork. Most human beings with...
SEPA Instant R-Message flows
SEPA Instant – R-Message Flows SEPA Instant payments have a slightly different R-Message flow when compared to SEPA classic payments or high value payments. This article will attempt to explain them on a very...
SEPA Instant – Happy Path Flow
SEPA Instant – Happy Path Flow SEPA instant is a “PUSH” type of payment where funds are pushed from the Originator’s account to the Beneficiary’s account. The “Targeted” completion time for a SEPA instant...
SEPA Instant – Introduction
SEPA Instant – Introduction Instant Payments are credit transfers that occur in real-time where the funds are available to the beneficiary almost instantly. SEPA Instant payments which went live in 2017 was introduced to...
Understand payments in 10 days (No Charge)
UNDERSTAND PAYMENTS IN 10 DAYS (NO CHARGE) You can understand payments in 10 days. Not master it. That may take a lifetime. Here is 10 days worth of reading material from online sources that...
Resume Building Resources
Resume Building Resources Here are some resources that can help you build your resume to get your dream Job in payments
Payments Interview Preparation
Payments Interview Preparation – A Quick Guide Let us assume that you have a few days to prepare for an interview where payments is one of the mandatory requirements. This is a quick guide...
SWIFT MT103
SWIFT MT – MT103 Here is a very detailed session on SWIFT MT103
Polish Banking and Payment Systems
Polish Banking and Payment Systems – By Ramachandran Seetharaman Introduction Poland as a country is in the news for the right and wrong reasons. In being right, Poland is the only country in the...
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About Me
I am Santosh Rajagopalan, a payment enthusiast. I have been a part of the software industry since the year 2012 and have worked with world class organizations like Accenture, Capgemini, Société Générale and Temenos
