How to build a scalable, resilient payments system for the AI era

Payment systems today aren’t just processing transactions — they’re powering real-time fraud detection, credit decisions, and risk analytics. With consumer losses from fraud exceeding $12.5 billion in 2024 and new regulations like DORA raising the bar for operational resilience, financial institutions must rethink how they build, scale, and secure their payments infrastructure.

In this webinar, Sales Engineers David Joy and Jim Hatcher (ex–Western Union) explore how to architect payment systems that can support the increasing demands of AI while meeting strict regulatory and performance requirements. 

You’ll learn how to design for:

• Resilience & zero downtime: Ensuring uninterrupted service and automatic failover to protect revenue and trust

• Data locality & compliance: Meet regulatory requirements like DORA and GDPR with geo-partitioned data that stays where it’s legally required — while still delivering low-latency access to users.

• Scale: Handling spikes in transactions and AI inference with a horizontally scalable foundation Data consistency: Maintaining ACID guarantees and full encryption across distributed environments

• AI-enabled systems: Power real-time fraud detection and risk scoring with fast, consistent transactional data.

The session will conclude with a demo of a payments workload running on CockroachDB, a distributed SQL database purpose-built for financial-grade resilience and global scale. You’ll see how the system handles failover without disruption, scales seamlessly under transaction spikes, and maintains strict consistency and security across nodes.