AI Cuts Engineering Costs by 35% for Payments Leader

From legacy fragmentation to a scalable, platform-first card management solution

Meeting rising consumer expectations

Across the payments industry, traditional card platforms are under pressure from rising customer expectations, accelerating digital adoption, and the growing need for consistent omni-channel experiences. Customers increasingly expect intuitive self-service capabilities, real-time visibility, and seamless interactions across web, mobile, and other digital touchpoints.

For the client, the challenge was twofold. First, it needed to align its digital servicing layer with a broader transformation of its card issuing and processing systems. Second, it needed to replace fragmented, legacy-driven experiences with a unified platform that could scale efficiently across regions. The business needed a solution that could reduce fragmentation, standardize experiences, accelerate rollout across markets, and integrate deeply with core banking and card processing systems without adding long-term complexity.

Building a reusable platform for omni-channel card management

Brillio designed and delivered a white-labeled, highly configurable online card management platform built for reuse across multiple customers, countries, and regions. Rather than developing a point solution for a single use case, Brillio created a modular platform with configurable components that could adapt to country-specific and institution-specific requirements with minimal custom code.

The solution followed a platform-first model. Functional capabilities were standardized and exposed consistently across digital channels so customers could access the same core experiences regardless of touchpoint. This helped create a more unified and intuitive card management journey while reducing operational and architectural fragmentation behind the scenes.

To support performance in a complex enterprise environment, Brillio engineered deep integration with the client’s new card issuing and processing ecosystem as well as relevant core banking platforms. Integrated user acceptance testing helped validate production readiness and reduce go-live risk.

With a reusable architecture, the solution enabled faster onboarding of new markets and financial institutions through configuration-led expansion. Brillio also led the full product development lifecycle, bringing greater architectural consistency and faster decision-making from discovery through deployment.

Delivering through agile execution and integrated validation

Brillio followed a structured and collaborative deployment model that combined consulting-led discovery with agile product engineering. The engagement began with discovery and requirement workshops designed to align business, technology, and experience priorities across stakeholders.

From there, the teams worked through co-creation and iterative design to ensure the platform addressed current operational needs while also supporting future scalability goals. Agile engineering and incremental validation created a steady feedback loop throughout development, helping the solution mature in step with stakeholder input and integration realities.

Brillio also coordinated integrated UAT across core banking and card processing systems and supported cutover planning and go-live execution. Acting as the primary orchestrator across business, technology, and integration stakeholders, Brillio helped simplify governance and accelerate execution across a complex transformation landscape.

AI-assisted engineering played an important role in accelerating delivery across the end-to-end lifecycle. Brillio embedded Copilot into the engineering workflow to support faster solutioning, development, code validation, and delivery execution. This helped teams improve productivity, reduce repetitive engineering effort, and fast-track development while maintaining quality and delivery speed. The approach contributed to more than 35% cost savings during development.

Given the size and complexity of the program, Brillio worked closely with business, technology, and integration stakeholders to coordinate requirements, validate cross-system integrations, and support delivery across the transformation lifecycle. This helped ensure the online card management platform remained aligned with the broader modernization roadmap while reducing execution risk across discovery, development, UAT, cutover, and go-live.