Case Study: Viva Wallet achieves faster, more secure payments with Microsoft Azure

European neobank, Viva Wallet, enables faster and more secure payments using Microsoft Azure

Viva Wallet, Europe’s first fully cloud-based neobank, provides localized B2B payment and credit services to businesses from large retail chains to small merchants. Facing rapid expansion and the complexity of supporting live payment processing across 23 countries and hundreds of local systems, the company needed a secure, reliable, and flexible infrastructure that would support continuous development and cost efficiency.

Viva Wallet built its card acceptance, issuing, and processing on Microsoft Azure and Azure Service Fabric, enabling stronger security, pay‑as‑you‑use cost optimization, and faster service development. As a result, transactions complete in about three seconds versus the industry average of ten, the company expanded quickly across Europe, and it has launched innovations such as a smartphone POS app while exploring AI-driven services.

VIVA Wallet

Dimitris Makris

Senior VP for Corporate Development