Finastra has introduced its Intelligent Routing Module at Sibos 2025. This payment routing solution aims to enhance efficiency, cut costs, and facilitate cross-border transactions.

This tool uses algorithmic decision-making to determine the best route for payments by considering factors such as cost, speed, available schemes, and regulatory compliance. It can be integrated into Finastra’s Global PAYplus system or operated independently.

Efficient Cross-Border Transactions

The module specializes in managing high-value cross-border transactions by identifying the most efficient correspondent banking chains. Additionally, it supports mass and instant payments.

Finastra representatives emphasized that the goal is to improve operational efficiency for banks while boosting straight-through processing rates.

Integration with Existing Systems

The technology leverages microservices and open APIs to seamlessly integrate with various existing systems, such as payment engines and order management platforms. This enables institutions to enhance routing options without necessitating a full-scale system overhaul.

The company claims that the system can also be embedded into payment initiation channels and orchestration systems.

Enhanced Routing Options

Industry analysts highlighted that as payment infrastructure becomes increasingly complex, routing intelligence is becoming more crucial. They noted that competition in the payments sector now depends not only on cost but also on the flexibility and transparency offered by institutions.

Finastra positions its Intelligent Routing Module within its broader Global Payments Framework, which integrates configurable business rules with API connectivity and machine learning to adapt payment flows to institutional and regulatory requirements.

The company highlights that its long history of transaction processing for major financial institutions supports the new module’s modernization efforts without requiring extensive changes.