{"id":3689304,"date":"2026-04-29T04:00:38","date_gmt":"2026-04-29T08:00:38","guid":{"rendered":"https:\/\/www.pymnts.com\/?p=3689304"},"modified":"2026-04-28T21:54:28","modified_gmt":"2026-04-29T01:54:28","slug":"real-time-rails-put-bank-data-to-the-test","status":"publish","type":"post","link":"https:\/\/www.pymnts.com\/data\/2026\/real-time-rails-put-bank-data-to-the-test\/","title":{"rendered":"Real-Time Rails Put Bank Data to the Test"},"content":{"rendered":"<p><strong>Watch more:<\/strong> <a href=\"https:\/\/tv.pymnts.com\/detail\/video\/6393253458112\" target=\"_blank\" rel=\"noopener\">What\u2019s Next in Payments With Volante Tech\u2019s Deepak Gupta<\/a><\/p><div\r\n\tid=\"article-paywall-overlay\"\r\n\tclass=\"d-none\"\r\n>\r\n\t<div id=\"article-paywall-content\" class=\"my-4\">\r\n\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2699550-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"2699550\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" 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PYMNTS content \u2014 no additional logins required.\n\t<\/p>\n\t<div id='registrationContainer' class='container px-0'>\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"firstName\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"firstName\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"First Name*\" value=\"\" type=\"text\" name=\"firstName\" \/><\/span>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"lastName\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-control border-secondary\" id=\"lastName\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Last Name*\" value=\"\" type=\"text\" name=\"lastName\" 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class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"email\" \/>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"newsLetterChoice\"><span class=\"wpcf7-form-control wpcf7-checkbox me-1\" id=\"checkNewsletter\"><span class=\"wpcf7-list-item first last\"><input type=\"checkbox\" name=\"newsLetterChoice[]\" value=\"yes\" checked=\"checked\" \/><span class=\"wpcf7-list-item-label\">yes<\/span><\/span><\/span><\/span><span class=\"small\">Subscribe to our daily newsletter, PYMNTS Today.<\/span>\n\t\t\t\t<\/p>\n\t\t\t\t<p class=\"small lh-base\" style=\"font-size:.9rem;\">By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/privacy-policy\/\">Privacy Policy<\/a> and <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/terms-conditions\/\">Terms and Conditions<\/a>.\n\t\t\t\t<\/p>\n\t\t\t\t<p><input id='hiddenPath' type='hidden' name='path' value='' \/><input type='hidden' name='userDeviceId' id='userDeviceId' \/><input type='hidden' name='pageTitle' id='pageTitle' \/>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div id='formButtonRow' class='container mt-1 px-0'>\n\t\t\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-dark text-uppercase py-2 px-5 small\" id=\"theSubmitButton\" type=\"submit\" value=\"Submit\" \/>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><input type=\"hidden\" name=\"post_id\" value=\"3689304\" \/><input type=\"hidden\" name=\"source\" value=\"https:\/\/www.pymnts.com\/data\/2026\/real-time-rails-put-bank-data-to-the-test\/\" \/><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"16\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\r\n\t<\/div>\r\n<\/div>\r\n<div id=\"article-paywall-hidden-content\">\r\n\t\n<p style=\"font-weight: 400;\">In payments, data is no longer the advantage. Real-time action is, particularly as artificial intelligence (AI) narrows the gap between insight and execution, embedding decision-making directly into every payment flow.<\/p>\n<p style=\"font-weight: 400;\">\u201cData is moving from a passive asset to an active asset,\u201d <a href=\"https:\/\/www.linkedin.com\/in\/deepakgupta44\/\">Deepak Gupta<\/a>, chief product, engineering and delivery officer at <a href=\"https:\/\/www.volantetech.com\/\">Volante Technologies<\/a>, told\u00a0PYMNTS\u00a0during a discussion for the April edition of the \u201c<a href=\"https:\/\/www.pymnts.com\/tag\/whatsnextinpaymentsseries\/\">What\u2019s Next in Payments<\/a>\u201d series, \u201cThe Data Game.\u201d<\/p>\n<p style=\"font-weight: 400;\">\u201cMost banks have terabytes and terabytes of data,\u201d Gupta added, \u201cbut what they\u2019re unable to do is act on that data in real time.\u201d<\/p>\n<p style=\"font-weight: 400;\">That lag is becoming a millstone around banks\u2019 necks. Payments have become both faster and more complex, and expectations for immediacy now extend beyond speed to certainty. Banks that can operationalize data in-flight, across every rail and with governed autonomy, are already proving to be more capable of delivering faster, cheaper and more predictable outcomes.<\/p>\n<p style=\"font-weight: 400;\">Those that don\u2019t may find that in standing still, they\u2019ve missed the window to close the competitive gap.<\/p><div id=\"pymnt-3299938002\" class=\"pymnt-content pymnt-entity-placement\" style=\"margin-top: 50px;\"><p style=\"text-align:center\">Advertisement: Scroll to Continue<\/p><script async type=\"text\/javascript\" id=\"dianomi_context_script\" src=\"https:\/\/www.dianomi.com\/js\/contextfeed.js\"><\/script> \r\n<div class=\"dianomi_context\" data-dianomi-context-id=\"4329\"><\/div><\/div>\n<h2 style=\"font-weight: 400;\"><strong>The Liability of Fragmentation<\/strong><\/h2>\n<p style=\"font-weight: 400;\">One of the most significant barriers to achieving real-time decisioning is legacy fragmentation. Most banks operate multiple payment systems, each aligned to a specific rail \u2014 ACH, wires, cards, real-time payments \u2014 often with distinct data models, processing engines and operational workflows.<\/p>\n<p style=\"font-weight: 400;\">\u201cYou shouldn\u2019t have to learn the pattern again and again, depending on the rail,\u201d Gupta said. A unified platform, he added, can allows insights \u2014 and defenses \u2014 to propagate across all payment types.<\/p>\n<p style=\"font-weight: 400;\">The data fragmentation across banking also creates silos, with implications that are becoming particularly visible in the industry\u2019s migration to ISO 20022, a global messaging standard that expands the amount of structured data embedded in each transaction. Many institutions have achieved compliance \u2014 meaning they can send and receive messages in the new format \u2014 but few have translated that into advantage.<\/p>\n<p style=\"font-weight: 400;\">\u201cThe difference is, are you compliant or are you competitive?\u201d Gupta said. \u201cAre you able to convert that data compliance into a competitive advantage, or not?\u201d<\/p>\n<p style=\"font-weight: 400;\">AI-driven systems can help invert the fragmented legacy model. Instead of treating things like payment exceptions as a separate workflow, they integrate decisioning into the core processing layer. The system then continuously evaluates every transaction, applying adaptive logic that evolves over time.<\/p>\n<p style=\"font-weight: 400;\">At Volante, for example, Gupta said this transformation is being operationalized through agent-based AI models embedded directly into payment workflows. He described four categories of systems that: prevent errors before they occur, repair failed transactions, predict optimal routing paths and sense emerging system risks. The common thread is autonomy calibrated by confidence.<\/p>\n<p style=\"font-weight: 400;\">\u201cAI is basically accelerating the shift from analysis to real time execution,\u201d Gupta said, noting that tasks that once required human intervention, such as investigating failed payments, identifying anomalies and correcting data, can increasingly be handled automatically.<\/p>\n<p style=\"font-weight: 400;\">\u201cYou\u2019re going from a human driven system to an autonomy-based system,\u201d he added, though noting the importance of strict governance boundaries.<\/p>\n<h2 style=\"font-weight: 400;\"><strong>Predictability as the New Competitive Edge<\/strong><\/h2>\n<p style=\"font-weight: 400;\">Speed has long been a proxy for competitiveness in payments. Faster processing times, quicker settlement and reduced latency have been key differentiators. But speed alone is no longer sufficient. As real-time payments become ubiquitous, the baseline expectation is instant execution. The differentiator is what happens within that instant.<\/p>\n<p style=\"font-weight: 400;\">Fraud detection is one of the clearest beneficiaries of this real-time approach. Traditional systems relied on static rules and thresholds, generating high false positives and requiring constant manual tuning. AI, by contrast, enables adaptive, behavior-driven models that evolve continuously.<\/p>\n<p style=\"font-weight: 400;\">\u201cBanks are moving from static rules to adaptive data-driven decisioning,\u201d Gupta said. Detection is no longer a checkpoint at the beginning of a transaction, but a continuous process across its lifecycle.<\/p>\n<p style=\"font-weight: 400;\">The downstream effect is not just efficiency, but predictability, an attribute Gupta repeatedly emphasized as underappreciated. A payment that completes in seconds but fails unpredictably may be less valuable than one that consistently settles within a known timeframe. In high-stakes scenarios from corporate treasury to real estate closings, that reliability becomes a core part of the customer experience.<\/p>\n<p style=\"font-weight: 400;\">\u201cIt\u2019s not just about speed; it\u2019s about predictability of payment processing,\u201d Gupta said, citing cases where straight-through processing rates have risen from 20% to 95%, effectively eliminating manual intervention for the majority of transactions.<\/p>\n<p style=\"font-weight: 400;\">In that context, data is no longer just an input. It is the operating system. And as Gupta makes clear, the institutions that win will not be those that simply collect more of it, but those that can act on it \u2014 instantly, intelligently and everywhere it matters.<\/p>\n\r\n<\/div>\r\n<script>\r\n\twindow.pymntsAllowedArticleCount = 2;\r\n\twindow.pymntsPostID = 3689304;\r\n<\/script>","protected":false},"excerpt":{"rendered":"<p>Watch more: What\u2019s Next in Payments With Volante Tech\u2019s Deepak Gupta Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content \u2014 no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing this form, you agree to receive marketing communications from PYMNTS [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3690092,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[17659],"tags":[9498,4313,6154,5333,13328,9206,133069,60852,4072,29470,149161,168441],"class_list":["post-3689304","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-data","tag-ai","tag-banking-2","tag-banks","tag-data","tag-featured-news","tag-news","tag-pymnts-news","tag-pymnts-tv","tag-video","tag-volante-technologies","tag-whatsnextinpaymentsseries","tag-whats-next-in-payments-the-data-game-2026"],"acf":{"suggested_titles":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Real-Time Rails Put Bank Data to the Test<\/title>\n<meta name=\"description\" content=\"Deepak Gupta of Volante Technologies says data is evolving from a passive asset to an active one, and banks that can use it have an edge.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pymnts.com\/data\/2026\/real-time-rails-put-bank-data-to-the-test\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Real-Time Rails Put Bank Data to the Test | PYMNTS.com\" \/>\n<meta property=\"og:description\" content=\"Watch more: What\u2019s Next in Payments With Volante Tech\u2019s Deepak Gupta In payments, data is no longer the advantage. 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