DXC-Thought Machine Vault Payments

The Intelligent Payments Platform as a Service is a modular, API-driven payments and operations solution combining:

• Thought Machine Vault Payments – cloud-native payments processing and ledger capabilities • DXC Banking BPS – end-to-end payments operations, managed services, workflow orchestration, and AI-enabled operational support • Cloud-native infrastructure and integration architecture – enabling scalable, resilient, and modern payments operations

The solution enables financial institutions to modernize payments operations, improve processing efficiency, accelerate product innovation, and enhance operational resilience through a single integrated operating model.

It consists of three integrated components:

1. Cloud-Native Payments Processing Engine Powered by Thought Machine Vault Payments, a modern, API-first payments platform designed to support scalable, real-time transaction processing and operational agility.

Key Capabilities • Real-time payments processing and orchestration • API-first, cloud-native architecture • Configurable payments workflows and routing • Multi-rail payments support • Scalable transaction processing with high resiliency • Rapid integration with digital banking ecosystems

Core Platform Features • Real-time ledger and transaction visibility • Event-driven processing architecture • High-availability and scalable cloud deployment model • Open integration framework for banking ecosystems and third-party services

2. Intelligent Payments Operations & Automation Layer DXC integrates automation, workflow orchestration, and AI-enabled operational capabilities across payments operations to improve efficiency, scalability, and service quality.

Key Capabilities • Intelligent payments exception handling • Automated reconciliation and operational workflows • AI-assisted fraud and dispute management support • Payments operations workflow orchestration • Predictive operational monitoring and analytics • Embedded automation for high-volume transaction operations

This layer enables financial institutions to scale payments operations efficiently while improving operational control, reducing manual intervention, and enhancing client servicing responsiveness.

3. End-to-End Managed Payments Services (DXC Banking BPS) DXC delivers fully managed services across payments operations, banking workflows, and operational support functions.

Managed Services Scope: • Payments operations and transaction support • Commercial cards servicing support • Fraud and dispute operations management • Reconciliation and exception processing • Customer servicing and operational support • Workflow management and operational reporting

This managed services model enables banks to modernize payments operations while maintaining operational continuity, scalability, and regulatory alignment.

Key AWS Services Used in this Solution: *Customer & Channel: * Cognito, API Gateway, CloudFront, Route 53, WAF, Kinesis/MSK

*Integration: * Lambda, Step Functions, EventBridge, API Gateway

*Core Banking: * EC2/EKS, Aurora, S3, CloudFormation

*Payments & Connectivity: * PrivateLink, VPC Endpoints, AWS Transfer Family, Amazon MQ/MSK

*Data & Analytics: * S3, Glue, Lake Formation, Athena, Redshift, QuickSight, SageMaker

*Security & Compliance: * CloudTrail, Config, IAM, KMS, GuardDuty, SecurityHub

*DevOps & Managed Services: *CodePipeline, CodeBuild, CloudWatch, CloudFormation