DXC teams up with Aptys Solutions to modernize U.S. bank payments
VIRGINIA and TEXAS, UNITED STATES — DXC Technology and Aptys Solutions have announced a strategic partnership to accelerate payments modernization for financial institutions.
The collaboration aims to simplify connectivity and management of payment services, targeting over 5,500 community banks and credit unions initially. The alliance combines Aptys’ unified payments platform with DXC’s core banking and innovation expertise.
Enterprise AI and unified payments platform
DXC is a service and enterprise technology and innovation partner that provides software, services, and solutions to support organizations across 60+ countries in modernizing, securing, and operating complex IT estates, and transforming themselves with the help of AI and its workforce of more than 120,000.
The company ranked #27 in the OA500 2025, an objective index of the world’s top 500 outsourcing companies.
This mission-critical systems orientation aligns with the specialized financial technology industry, where companies such as Aptys Solutions provide crucial infrastructure.
Aptys Solutions is a leading company that provides a unified payments platform that drives ACH, wire, and check payments and real-time networks across over 5,500 financial institutions, handling billions of dollars each year.
The company is driven by innovation and will help these institutions democratize their payment ecosystems, streamline complexity, and open new sources of revenue through its secure, efficient technology.
Democratizing next‑gen banking for smaller institutions
The collaboration is designed to democratize access to next-generation banking innovation for these smaller entities.
By integrating Aptys’ payments connectivity with DXC’s broader modernization and innovation stack, financial institutions of all sizes can now tap into advanced services.
“By combining Aptys’ modern payments infrastructure with DXC’s deep expertise in core banking environments, we are helping financial institutions take a phased, pragmatic approach to modernization,” said Sandeep Bhanote, Global Head and General Manager of Financial Services at DXC.
These services include embedded finance, digital assets, and AI-driven solutions, delivered seamlessly through the Aptys payments platform, thereby closing the technology gap.
Direct bank‑to‑bank payments to reduce intermediaries
A central thrust of the partnership is enabling financial institutions to reclaim value and strengthen operational control currently ceded to third-party fintech layers.
Chief Executive Officer (CEO) of Aptys Solutions, Naseer Nasim, notes, “Our partnership with DXC brings the scale, reliability, and operational strength required to help institutions modernize with confidence while keeping trust at the center of every payment relationship.”
Many institutions support essential API-based services—such as account verification and payment initiation—at cost. Meanwhile, intermediaries access and resell the resulting data at significant profit margins, extracting value from the banks’ own infrastructure.
DXC and Aptys plan to counter this dynamic by facilitating direct bank-to-bank processing. This approach is intended to help institutions capture more of the value generated by their payment systems while reducing reliance on intermediaries.
The result is a pathway for financial institutions to reduce the total cost of ownership, improve transparency across payment workflows, and strengthen control over their core financial services.
