Autonomous Payments Enterprise Redesign Framework

This document is a technical report that outlines a framework for redesigning payment systems to accommodate an AI-native, multi-rail future. It details how software agents, human actors, and the payment fabric interact within a governed operating model. The report emphasizes the need for a unified enterprise fabric that integrates various payment methods, including cards and tokenized money. It discusses the importance of orchestration layers and control planes in enhancing processing efficiency and enabling institutions to adapt to evolving payment landscapes. The report identifies challenges faced by payment leaders, such as fragmented operating models and the complexity tax, which can hinder transformation efforts. It proposes solutions, including a unified policy layer and a common evidence fabric, to streamline operations and improve service levels. The document also highlights the role of the Infosys AI First Value Framework in guiding management teams through this transformation, ensuring that all payment processes can coexist under shared controls and reusable evidence.