Luxoft’s CAMS II —
Comprehensive Card Management

CAMS II supports multi-tenant, real-time processing for low and high-volume issuers and processors worldwide.

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How good are you at managing change?

In an increasingly cashless society, global card issuers and processors must manage a variety of payment instruments, including both physical and virtual cards, to reach target audiences. Card issuers face constant pressure from evolving markets, changing regulations, strict scheme compliance requirements and rising volumes, as more and more transactions move to card-based electronic payments.

Card issuers and processors face challenges in privacy, tool rigidity, and to many manual processes. Luxoft offers a better way.

Typical issues facing card issuers include:

Multiple, siloed, card processing platforms and high operating costs
Inability to address new market requirements due to gaps in functionality
Poor and costly response to regulatory compliance
Rigid product pricing and bundling processes
No multi-tenant processing capability

No 360-degree view of customer relationships and products
Inflexible legacy applications and channels hampering improvements to customer experience
Difficult to integrate external fintech solutions
Manual processes for standard customer interactions
Long cycle time to launch new products
Data security and privacy issues

The CAMS II Solution

CAMS II enables companies to deploy a digital card-processing platform rapidly with fewer resources. It’s built on a proven, hyper-efficient, core, card-processing engine that processes over 500 million card accounts a day through a modern cloud solution.

CAMS II creates an intuitive and seamless way to integrate, interact with and manage card-related business processes. It frees crucial client resources to focus on business-critical strategic analysis and drive positive business and customer outcomes.

How we help you and your clients

Puts business in control

Product configuration without IT intervention.
30+ preconfigured credit, debit and prepaid card products.
Account-based, multi-product model for virtually unlimited product design.

24x7 business availability

Always-on, real-time availability of all business operations.
Robust data store drives data-based decisioning.
Continuous post facility for real-time transaction processing.
Improved risk management using up-to-the-second data.

Multiple deployment options

Cost-efficient platforms include z/OS, Linux on Z, x86 Linux and cloud.
Elastic scalability.
Efficient consumption of available processing power.
APIs.
Web services.
Many proven integrations for GL, fraud, etc.

Many options

Mastercard
Visa
American Express
Corporate Cards
Virtual Cards
Wallets
Loyalty
BNPL
Revolving Credit

Why Luxoft CAMS II

Fully managed services by industry experts

Our managed services support day-to-day business operations for multiple clients. Companies trust us to ensure top operational efficiency.

On time and on-budget project execution

We offer support for software installation, configuration, integration, testing, data conversion and production cutover. Quick and easy configuration of new products and product launch.

Integration through web services and APIs

Cam-II removes silos and connects with the tools and services companies need to streamline operations and deliver exceptional customer value.

Luxoft by the Numbers

30+ years

of global deployment expertise—Luxoft trained and certified

86

environments and 500 million+ cards processed through low-cost solutions

20+

clients and over 475 banks in production worldwide.

Our Vision for Card Management

CAMS II is a proven solution used card issuers who want to control their own destiny instead of investing in rewriting legacy bespoke systems or relying on third parties offering SaaS solutions.

Luxoft and our trusted experts in global card processing best practices can transform your card processing business by recalibrating the machine, and tightly focusing on generating new business for your organization. We work with you to create an innovative solution that deploys quickly and cost-effectively.