Volante Technologies: Why Banks Need Partners, Not Vendors

In this conversation, Volante Technologies makes a clear case for why payments transformation can no longer be approached as a compliance exercise or a one-off technology upgrade. The payments ecosystem, they argue, is evolving on multiple fronts simultaneously — regulation, infrastructure, cloud capability, and third-party technology — and banks need partners who can evolve with them, not vendors who simply deliver what is required today.

Regulation remains an important driver, but it is only one part of a much bigger picture. The banking ecosystem itself is changing, as are the technology platforms that underpin it. Cloud providers now offer levels of scalability, resilience, and functionality that simply did not exist a few years ago. Against this backdrop, banks face a strategic choice: work with providers who deliver point-in-time compliance, or work with partners who understand the entire journey and help shape what comes next.

Volante’s perspective is rooted in optimisation rather than obligation. Compliance may get a bank live, but it does not make it competitive. The real opportunity lies in improving straight-through processing (STP), reducing operational cost, and increasing performance across payment flows. Today, many banks operate with STP rates as low as 10–20%, meaning the vast majority of transactions require human intervention. Each touchpoint introduces cost, delay, and risk. Volante’s ambition is to push STP rates toward 90–95%, fundamentally changing the economics of payments processing.

Technology plays a central role in this shift. Volante is already embedding AI into its payments platform to improve transaction quality, accelerate processing, and reduce exceptions. The focus is not AI for its own sake, but AI that delivers measurable operational benefit — fewer manual touches, faster settlement, and better margins for banks. Crucially, these capabilities are being built directly into the core platform, available out of the box rather than as bolt-on tools.

Long-term thinking is another defining theme. Volante points to markets such as India and Brazil, where real-time payment systems like UPI and Pix moved from near-zero adoption to billions of transactions in a remarkably short time. Similar growth is expected elsewhere, including the United States. While most banks do not need to process thousands of transactions per second today, Volante is already engineering its platform to handle that scale — years before it becomes a necessity.

The same forward-looking mindset applies to emerging rails. While crypto conversations often fixate on Bitcoin, Volante sees stablecoins as the more transformative force in payments, particularly for international transfers. Combined with instant payments and open banking, stablecoins have the potential to reshape cross-border payments far more efficiently than legacy correspondent models.

The message is consistent throughout: banks need partners who think beyond today’s requirements, anticipate tomorrow’s demands, and invest early in capabilities that will matter years down the line. In an ecosystem defined by constant change, the difference between a vendor and a partner is the difference between keeping up — and staying ahead.

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