Today's customers expect payments that recognise them and adapt automatically. Personalised payments do exactly that, applying discounts, benefits and fare structures seamlessly. From fare capping on daily commutes (even for anonymous passengers) to automatically recognising students at campus and applying their discounted price, personalisation transforms transactions into tailored experiences.

Customers move between payment channels and methods without thinking about it, nor should they have to. Through our omnichannel and hybrid payment solutions, we create unified payment experiences where customers are recognised everywhere and can choose their preferred payment method.

The best payment experience is the one you don't notice. Like having your payment details saved in your ride-hailing app, such as Uber and being automatically charged after your trip. When payments are truly embedded, they become an invisible part of the payment experience rather than an interruption to it.