Why a Robust Transaction Processing Core is Essential in the Era of Real-Time Payments

In the world of digital payments, speed is no longer a competitive advantage — it’s the baseline expectation. As real-time payment systems like PIX in Brazil, Bre-B in Colombia, and CoDi in Mexico gain momentum across Latin America and beyond, financial institutions face a critical challenge: transforming their technology infrastructure to remain relevant and competitive.

In this new landscape, having a robust transaction processing core isn’t just important — it’s the foundation for meeting market demands, ensuring transaction security, and delivering a seamless user experience.

What is a Transaction Processing Core, and Why Does It Matter?
A transaction processing core is the operational heart of any financial institution. It’s the system that processes, authorizes, routes, and reconciles every electronic transaction: whether it’s a card purchase at a store, an online transfer, an ATM withdrawal, or an instant account-to-account payment. Without a fast, scalable, and secure core, institutions struggle to innovate and offer new products to customers.

In the age of real-time payments, the demands are even higher:

• 24/7/365 real-time processing: No room for downtime or delays.

• Scalability: Transaction volumes are growing exponentially, especially with the rise of fintechs and digital wallets.

• Interoperability: Systems must connect with multiple clearinghouses, PSPs, and emerging technologies.

• Real-time fraud prevention: As transaction volumes grow, so do risks.

• Regulatory compliance: Each market has unique standards that must be met for real-time payments.

Kuvasz Solutions: Your Strategic Partner for Real-Time Payments
At Kuvasz Solutions, we’ve spent over 18 years transforming the transactional infrastructure of banks, credit unions, fintechs, and governments across Latin America. Our expertise spans mission-critical implementations like PIX in Brazil, TEF in Chile, Bre-B in Colombia, and the migration of core systems for major players in Mexico.

We understand that digital transformation is more than technology — it’s a cultural shift, an operational redesign, and a strategic commitment. That’s why we help financial institutions:
✅ Optimize their transaction cores for maximum availability, speed, and security.
✅ Seamlessly integrate with real-time payment schemes like Bre-B, through solutions like Brizmo — our platform that streamlines connections to clearinghouses, key management, monitoring, and regulatory compliance.
✅ Develop tailored solutions for specific use cases, enhancing the value proposition for end-users.
✅ Ensure business continuity and expert support with teams specialized in transactional technologies.

What Core Platforms Do We Support?
At Kuvasz, we have a team of experts in the industry’s leading transactional platforms, including ACI Worldwide’s BASE24 and BASE24-eps and the UPF framework. We provide specialized consulting, support, and development services to help financial institutions maximize their technology investment and adapt to the challenges of a rapidly evolving digital landscape.

In a world where payments are faster, more secure, and increasingly embedded in daily life, having a robust transaction processing core is the key to staying competitive and leading in the financial industry.

At Kuvasz Solutions, we’re ready to be your strategic partner in this transformation.

📩 Want to learn more? Reach out to us at contacto@kvz.cl or visit our website at www.kvz.cl.