Synechron

2 minute read

The Challenge

A leading U.S. financial institution relied on fragmented, manual processes and third-party technology to onboard merchant clients. The approach created inefficiencies, limited visibility into onboarding progress and made it difficult to launch new services quickly. The bank needed a scalable, digital-first platform that could streamline onboarding, improve operational efficiency and provide greater control over a critical revenue-generating business function.

The Solution

Synechron designed and delivered a workflow-driven merchant services platform built on a modern, API-led architecture. The solution digitized and automated onboarding, KYC verification, underwriting, decisioning and provisioning processes while integrating transaction management, disputes and settlements into a single ecosystem. Reusable UI components, CI/CD pipelines and event-driven integrations created a scalable foundation for future growth and innovation.

The Results

Automated approximately 30% of functional test scenarios

Replaced fragmented onboarding with digital workflows

Improved visibility, efficiency and process standardization

Our Process

Our agile process prioritized specific journeys to release to market according to customer and business needs.

Discover

Mapped onboarding journeys, operational bottlenecks and technology dependencies across merchant services workflows.

Design

Created an API-led architecture with workflow automation, reusable components and event-driven integrations.

Deliver

Developed and deployed onboarding, KYC, underwriting, decisioning and provisioning capabilities.

Develop

Continued platform enhancement through automation, monitoring, compliance improvements and feature expansion

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October 2026

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Appian

Design, automate and optimize complex business workflows using process orchestration, AI and RPA (Robotic Process Automation) to build enterprise applications faster.