Case Study: Bpifrance achieves SEPA Instant Payments modernization with Thought Machine Vault Payments

Bpifrance launches SEPA Instant Payments in 6 months with Thought Machine

Bpifrance, the largest French public investment bank, faced a fragmented payments ecosystem built on legacy applications that hindered its ability to integrate new payment methods quickly. To modernize its architecture and process all payment rails on a single platform, Bpifrance partnered with Thought Machine and selected its Vault Payments product.

Thought Machine implemented Vault Payments, which provided a highly flexible and performant platform. This allowed Bpifrance to independently develop and deploy SEPA Instant Payments, achieving live production in just six months. The solution provided complete ownership of payment processes, significantly reduced integration timelines, improved straight-through processing rates, and prepared the bank for future regulatory mandates, all while enabling richer analytics with a complete ISO 20022 dataset.

Bpifrance