Fiserv's Connected Platforms
Your unified infrastructure for modern money movement: best-in-class core banking, payments and card issuing capabilities, working together.
The Challenge
Siloed, legacy technology is holding banks back
Fragmented cores, payment rails, card systems and processes make even simple transactions complex. Banks that simplify money movement can improve acquisition, engagement, loyalty and operational efficiency.
THE SOLUTION
A unified infrastructure for modern money movement
Fiserv's connected platforms helps banks meet these expectations through a connected infrastructure of capabilities that reduces complexity and accelerates innovation. The result is modern money movement and exceptional customer experiences.
A unified path to modernisation
With configuration-driven flexibility, real-time processing and a significantly lower cost of change, banks can modernise in a way that is both practical today and adaptable for what comes next.
Instead of adding more disconnected solutions, banks can now build on one low-risk, high-performance infrastructure of best-in-class capabilities working in harmony. This foundational approach de-risks innovation while enhancing scalability, improving operational efficiency and reducing operating costs.
About Fiserv's connected platforms
Fiserv's connected platforms harmonise the headless Finxact core, our Enterprise Payments Platform and the the cloud-native, real-time issuing platform Vision Next™, and there are many other modern components to enable financial solutions.
Each capability can also be adopted individually, in line with each bank’s priorities.
Five capabilities for modern money movement
Hold It
Accounts & balances
Move It
Any rail, any scheme
Use It
Cards, wallets & commerce
Protect It
Fraud, compliance & resilience
Delegate It
AI agents act for customers
Where money lives
Finxact is the cloud core where money sits: accounts, savings, wallets and lending on one ledger.
Why it matters: Launch a deposit product in weeks by configuration, without touching the legacy core. Ready for new money: CBDCs and stablecoins.
How money moves
Enterprise Payments Platform (EPP) is the single engine that routes, settles and posts every payment: today’s schemes, instant, A2A and cross-border.
Why it matters: Go live on instant or A2A payments without a new stack or a new ops team. Same controls and reporting on every rail.
How money is used
Vision Next™ runs debit, credit, loans and instalments on whichever funding source the customer picks.
Why it matters: Offer BNPL on a card the customer already has and stay top-of-wallet.
SERVICES AND EXTENSIONS
Supporting services that strengthen the platform
Fiserv's connected platforms also include supporting services that let banks extend their capabilities without launching separate projects:
1. OpenFX — Issuer Currency Conversion
Cloud-based FX marketplace, processor- and acquirer-agnostic. Issuers set their own margins and rates on ATM, POS, e-commerce and B2B flows, avoiding cross-border scheme fees.
2. Digital Assets Platform
Infrastructure to issue, redeem and settle FIUSD and tokenised deposits on blockchain rails, with 24/7 settlement and deposits retained on the bank’s balance sheet.
3. Embedded finance capabilities
Accounts, cards, credit and money movement offered inside partner platforms through a single API integration.
4. Risk and fraud controls
Real-time fraud, AML and financial crime detection applied consistently across every channel and payment type.
WHAT THIS ENABLES
What banks can achieve with Fiserv's connected platforms
By connecting core banking, payments, issuing and supporting services in one global infrastructure, banks can:
Modernise at their own pace — incrementally, rather than through risky, multi-year transformations
Accelerate innovation — launch new services faster
Build future readiness — reduce operational friction across core banking domains and stay ready for what comes next
Lower the cost of change — and the cost of service
Deliver great experiences — the seamless, exceptional money movement customers expect
Our Gateway programme will give us a scalable, digital-first platform by mid-2026, and choosing to extend our successful partnership with Fiserv and to integrate its cloud-native, integrated suite of payment solutions is a game-changing step in that journey.
We need to grow. I need Vision Next to do that, there isn’t an alternative.
DIGITAL EURO / FUTURE READINESS
Build for what’s next
DORA, data privacy rules and the Digital Euro are all coming.
The platform delivers that readiness through capabilities the bank already runs, with no new programme.
We are a proven partner with more than three decades of experience at the heart of financial services.
No. 1
card issuer processor in Europe
170M
accounts on file
100+
financial institution clients across issuing, payments and core banking
Ready to build for the future of money?
Enable modern money movement with a connected infrastructure for core banking, payments, card issuing and digital experiences.
Miguel de Cárdenas
VP, Financial Institutions Origination, EMEA
Isabelle Gnad
VP, Financial Institutions Origination, EMEA
David Abbott
VP, Financial Institutions Origination, EMEA
Book a meeting with our team
Complete the form and we will contact you to arrange a conversation about your priorities, architecture and next steps.