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Insights and Expertise

• Simple setup and integration: The beauty of smart
Why smart routing matters more than ever routing lies in its simplicity. Its intuitive interface
allows companies to set their routing parameters
As digital payments surge past the $20 trillion mark seamlessly and integrate them into existing infra-
globally, the pressure on businesses to streamline structure without interrupting operations. The ease
transaction efficiency is intense. Even a small dip of deployment means businesses can start optimiz-
in approval rates or a spike in processing costs can ing payments without a steep learning curve.
translate into millions in lost revenue annually. That's • Improved approval rates with AI: The success of a
where smart routing, especially when powered by commercial transaction hinges significantly on ap-
artificial intelligence, comes into play. proval rates. By integrating AI, authorization rates
can increase by up to 5 percent, combining up to 3
Unlike static, rule-based systems, AI-driven smart percent gains from rule-based routing with an addi-
routing analyzes vast amounts of transaction data tional 2 percent uplift through enhanced AI-powered
in real time, learning from historical patterns to decision-making. These small percentage increases
identify the optimal route for each payment. This can contribute to significant annual revenue for busi-
adaptive approach leads to higher authorization rates nesses processing high transaction volumes.
and fewer failed transactions, ultimately enhancing
customer satisfaction and profitability. How AI-powered routing shapes
the future of payments
Smart routing also supports business continuity. If
one acquiring bank is unavailable, the system reroutes Businesses stand at the cusp of a payments revolution,
transactions seamlessly, eliminating downtime. And and AI represents a major step forward in streamlining
with flexible parameters, companies can customize the complexities of global transactions. By automating
routing based on priorities such as lowest cost, highest payment decision-making, simplifying omnichannel
approval likelihood or preferred acquirer. operations and reducing costs, it is empowering companies
with greater control over their revenue management.
For merchants operating across multiple channels
(online, mobile, in-store) AI-powered routing ensures The inclusion of advanced machine learning can future-
smooth integration and consistent performance. The proof businesses, placing them in a strategic position to
result: a more reliable, scalable and future-ready thrive in the increasingly competitive digital payments
payments infrastructure. ecosystem. Furthermore, as the intricacies of payment
processing continue to grow, smart routing ensures that
As the payments landscape becomes more complex, businesses can adapt seamlessly to scalability, efficiency
smart routing isn't just a nice-to-have; it's a competitive and business growth.
necessity. Businesses that adopt it early are better The competitive edge
positioned to thrive in the evolving world of digital
commerce. With the digital payments market expected to surpass $20
trillion in total transaction value this year, staying ahead
requires innovative solutions such as AI-powered routing.
• Omnichannel payment integration: The digital- For those ready to streamline payments today while
centric world we operate in demands seamless versa- future-proofing their operations, AI-powered routing
tility in payment processing. From ecommerce plat- offers unparalleled advantages.
forms to in-store transactions, smart routing bridges
multiple channels, enabling consistent functionality. Businesses that adopt AI-powered or smart routing can
Companies managing transactions across various unlock untapped revenue streams and position themselves
touchpoints gain better connectivity and customer for enduring success in tomorrow's payments landscape.
satisfaction with minimal effort. Whether they are optimizing costs, improving approval
• Business continuity assurance: Payment interrup- rates or ensuring greater reliability across global markets,
tions are a trader's nightmare, particularly when an smart routing can deliver on all fronts.
acquiring bank is unavailable. Smart routing miti- Khalil Kammoun is a vice-president of product and technology at
gates this risk by automatically redirecting transac- Worldline, and is responsible for Shared Services, leading strategic
tions to alternative acquirers with no loss of perfor- initiatives to drive innovation and growth for Payment Solutions. Over
mance, always ensuring continual reliable payment the past 12 years at Worldline, he has held multiple leadership roles in
processing. E-Commerce, Partner Management, Omnichannel & Collecting, contrib-
• Cost reduction: Smart routing simplifies cost man- uting to the company's expansion and development in online and in-
agement by funneling payments to the acquirer with store payments. With extensive experience across the payments indus-
the most cost-effective interchange fees. This im- try, Khalil is committed to advancing secure, efficient, and innovative
proves profit margins, providing cost savings at scale payment technologies for a rapidly evolving digital economy. Contact
without requiring time-consuming manual supervi- him on LinkedIn at linkedin.com/in/khalil-kammoun-worldline.
sion.
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