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With the growth of digital payments, banks have a plethora of data available from an increasing number of digital payment sources. Financial institutions appreciate the potential benefits of data, but many face challenges in aggregating and mining information resident in multiple payment systems to generate business-wide efficiencies.

Agile production and organization-wide delivery of data insights require financial institutions to think new approaches to the problem. FSS Paynalytix-as-a-Service brings together multi-source, multi-format data together in the cloud to transform raw, complex data into business-ready data assets.


Paynalytix-as-a-Service model is underpinned by 30+ years of deep expertise in delivering switching, payment services, and payment products for banks, a deeply experienced workforce, and the largest and most diversified group of payment services professionals to deliver transformative business outcomes. The service is customizable to specific business needs of customers, enabling financial institutions to address immediate analytics requirements, and expand services as required.

Paynalytix, the underlying platform powering the service, efficiently ingests and integrates data from discrete payment sources including Switch, Payment Gateways, POS, Mobile Banking, Internet Banking, Card Management Systems, Payment Reconciliation Systems as well as external sources to generate meaningful insights.

Paynalytix Visualizer delivers highly responsive, interactive dashboards to get a comprehensive view of your business and enable drilling up and down on billions of records.

Ready Business Applications

Marketing, business and operations teams within the banking organizations can access a pre-packaged catalog of readily available applications for immediate business results.

Customer Analytics

Optimizes marketing efforts and deepens customer engagement

Spend Analysis

Profile customer spend across channels to create customer segments and recommend card programs

Product Portfolio Analysis

Analyse product performance (cards) to fine-tune product portfolio

Optimised Offers

Track customer journeys and deliver optimized offers such as real-time credit to eligible customers at check-out

Merchant Analytics

Uncover transaction patterns for informed strategy making related to the acquisition, promotions, pricing, and overall performance


Analyse merchant transactions using sophisticated machine learning algorithms to create merchant cohorts to determine marketing strategies

Intelligent Pricing

Reliable insights into segment and merchant performance help fine-tune pricing strategies

Acquisition Strategy

Allows acquirers to identify high performing categories and push sales


Merchant loyalty programs and offers to incentivize sales


RFM Score

Insightful Recency, frequency, and monetary value based score to streamline database and direct marketing strategies

Chargeback Patterns

Merchant chargeback patterns to aid retailers to improve quality of service

Consumer Behavioural Analytics

Analyse customer behaviour to predict transactions growth

Transaction Failure Analytics

Perform root cause analysis for failed transactions to improve the ratio of success to failed transactions

Risk Analytics

Screens transactions to identify risk patterns to contain fraud losses

Real-time Risk Management

Discern risk patterns and tune the accuracy of risk assessment and scoring rules on an ongoing basis

Risk Identification

Screen transactions in real-time by detecting unusual patterns that indicate potential fraud

Merchant Risk Score

Risk score merchants based on multiple variables to minimize fraud loss

Omni-channel Risk Management

Real-time assessment and management of risk across channels

Device Related Risk management

Dynamic assessment, identification, and management of risk across devices

Customer Risk Score

Assigns risk score to customers to lower exposure to fraud


Operational Analytics
ATM Network Optimisation

Track customer footfalls and transaction performance at each ATM location to optimize network planning

Cash Management

Track cash positions to detect and plug the likelihood of cash outages


Transactions improve the ratio of on-us transactions and optimal transaction routing

Real-time Service Monitoring

Monitor end-to-end service performance to accurately pinpoint systems responsible for increasing time to respond

Predictive Capacity Planning

Analyse transaction volume and system performance to meet existing and forecasted capacity demand

Operations Optimisation

Identify cause of failure from transaction data to minimize transaction failure rates – timed-out/reason codes


Access to best-in-class experts

We provide customers access to best-in-class talent in data modeling and analytics, thereby solving a major headache for financial institutions struggling to find the right people.

Scalable cloud-based model

Paynalytix-as-a-Service is deployed on the AWS cloud, ensuring resources can be dynamically scaled to adjust to the changing nature of the workload.

Low-cost cloud infrastructure

With our infrastructure-agile but the secure cloud-based option, the model aims to be cost-efficient. FSS’ Managed Services model is cost-efficient than owning and operating infrastructure in-house.

Fastest time to value

Expert teams, an agile approach, support for the industry’s most available visualization tools, and a focus on outcomes put real results in the hands of users in weeks, not months.

Complete service and support

In addition to hardware and software technology, FSS offers you a full array of support advantages, including:

  • A single vendor for all your support needs; eliminates the need for third-party coordination
  • Experienced and dedicated regional and global teams
  • Tested and proven support processes
  • Secure remote connectivity options

Strict data security standards

Data security is a top priority for organizations today. Protecting the data that we help manage is a top priority in the Managed Services model.


Associated Products and Services

Prepaid CMS

Single card management system – multiple uses

Debit CMS

Global leader in card management systems

Payment Gateway

Enabling cashless, cardless payments

Merchant Hub

Business agility for an omni-channel World

FSS PoSability

Redefining the point of sale

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