Payments Tech Liberator
The Journey from Legacy to Agility
Otoma is the AI-native payments infrastructure that frees banks from vendor dependence so they can build, launch, and evolve payment capabilities in near real-time.
Otoma’s New Generation Infrastructure Addresses Today’s Payment Challenges
Payments should be a source of competitive advantage. Instead, for most banks, they’ve become a bottleneck.
The Otoma payment infrastructure supports diverse payment flows across geographies and payment rails, it adapts seamlessly to your needs. With a robust library of standard flows and industry-compliant formats, we promise the fastest time-to-market, keeping you ahead in a competitive landscape.
Designed for Today’s Payments and Tomorrow’s Opportunities
Built for Infinite Evolution
Adapt and expand your payment offerings continuously without being constrained by your technology or dependent on vendor timelines.
True No-Code Innovation Suite
Empower your teams to create and evolve complex payment capabilities with ease, through a real no-code development studio, without compromising on depth or flexibility.
AI as the Orchestration Layer
AI is woven into every flow, turning complexity into speed and simplicity across the entire lifecycle, from design and testing to real-time operations.
Composability by Design
Modernize your way: full replacement, phased transformation, or incremental innovation. Have Otoma configure and customize your infrastructure. Use our development studio to build and configure your features, or combine both approaches.
One Infrastructure Across All Payment
ACH, real-time, SWIFT, emerging rails like stablecoin—one system, one control plane, one experience.
Reduce Cost While Accelerating Innovation
Build new capabilities, even bespoke ones for key clients, quickly and without vendor costs.
Key Features
The Otoma Innovation Suite
Otoma’s new-generation AI-native global payments infrastructure liberates banks from vendor dependence. Offered as a complete end-to-end payments infrastructure or development studio, Otoma enables banks to build, test, and deploy new payment capabilities in near real-time.
Payment Visualizer – From Ideation to Execution Clarity
Design payment flows visually using an intuitive, model-based approach, making it easy to define logic, orchestration, and behavior without complexity.
That same model doesn’t just define the flow; it becomes the foundation for runtime visibility. Every payment is executed and visualized directly on the diagram, showing the exact path taken, decisions made, and where anything changed or failed.
With true no-code, teams can instantly modify and evolve flows, introducing new products, rules, and routing logic without waiting for vendor releases or upgrade cycles. Banks can adapt payments when the business demands it, at the speed the market now requires.
Continuous Integrated Testing - Eliminates testing bottlenecks
Testing is one of the most expensive and time-consuming parts of today’s payment operations, and it needs modernization. Otoma’s embedded testing is designed to replace massive manual testing efforts with automatically created, automatically executed, always-on, 100% coverage testing.
Any-to-Any Data Transformation
Simple, fast, and fully self-service. Transform and integrate data across any format with intuitive tools that automate mapping, schema discovery, and format alignment, minimizing effort and accelerating delivery.
AI Built into Otoma’s Foundation
Otoma has embedded AI as a foundational capability cutting across the entire payments lifecycle—transforming how banks design, build, operate, and optimize payment systems.
AI acts as an orchestration layer that accelerates implementation, reduces risk, enhances operational performance, and improves liquidity efficiency. The result is faster innovation, lower cost-to-support, and a more resilient, intelligent payments infrastructure.
AI assists with flow design and evolution while continuously monitoring system health, transaction patterns, and operational workloads, enabling proactive alerts, performance optimization, and improved operational and liquidity management.
Read the Otoma Manifesto
Banks can no longer compete with legacy payments systems that were built for a different era. Our manifesto explains why Otoma is the Payment Tech Liberator. It outlines why modernization requires more than upgrades and what it takes to build a foundation for real-time innovation, control, and growth.
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