## ISX Financial: Transforming the Landscape of Finance

**Envision a reality where every financial requirement, from virtual currencies to streamlined identity confirmation, is fulfilled in one place.** ISX Financial is turning this aspiration into actuality.

As a global frontrunner in financial technology and solutions, ISX Financial is committed to delivering both individuals and enterprises with a secure and unparalleled banking journey. Their CEO, Nikogiannis Karantzis, recently conveyed his perspectives on how ISX Financial enables businesses to flourish in the dynamic financial environment.

**But precisely what is ISX Financial’s outlook for the future of transactions?**

Established in 2015, ISX Financial is a publicly listed fintech trailblazer with a substantial shareholder community exceeding 10,500. They are propelled by a dedication to crafting state-of-the-art, secure, and compliant financial tools. Their assembly of specialists is continuously exploring, securing intellectual property, and implementing advanced software technologies to address the distinct demands of their varied clientele.

**Their objective is straightforward: to construct a banking framework engineered for the contemporary era.** They foresee a time when immediate bank transfers are as seamless and commonplace as using a credit card.

**What distinguishes ISX Financial within the bustling payments sector?**

They furnish a comprehensive collection of end-to-end regulated services spanning all their domains of proficiency. This encompasses real-time bank-to-bank remittances, digital currency offerings, secure card handling and distribution, currency conversion, and robust identity authentication services.

**Immediate payments are merely the inception…**

Our customers can initiate and receive financial transfers through our platform using a range of options, such as SEPA Instant Payments for immediate transactions within the European Economic Area, conventional SEPA Credit Transfers, and the UK’s Faster Payments Service (FPS) for real-time payments inside the UK. Although both SEPA Instant Payments and FPS provide practically instantaneous transfers, generally settling within 10 seconds, they diverge in transaction thresholds. SEPA Instant Payments have a ceiling of €100,000 per transaction, while FPS permits up to £1 million per transaction. A trailblazer in the Cyprus and Balkans area, ISX Financial was the first to implement SEPA Instant Payments, facilitating real-time bank transfers across the EEA. We have since evolved into a prominent processor for this service, operating on behalf of financial institutions, credit unions, payment providers, and their corporate customers. Our central banking infrastructure links all our verticals, enabling clients to conduct transactions directly with us. Crucially, all customer funds are held safely at the respective central bank, mitigating credit risk and guaranteeing secure banking services. Broadening our scope, we now accommodate SWIFT transfers in more than 25 currencies, simplifying worldwide transactions. This encompasses high-volume currencies such as USD, CAD, HKD, AUD, INR, JPY, and GBP.

ISXPay has collaborated with industry giants in payment processing to provide established acquiring solutions. As a leading member of Mastercard, Discover, Diners Club, UnionPay, and JCB, they maintain a robust partnership with American Express. This connectivity empowers them to link with all major card networks, delivering a truly all-encompassing payment solution.

When queried about the company’s trajectory in this dynamic sector, ISXPay’s leadership underscored their dedication to exploration, ingenuity, and advancement. They posit that technology is paramount to triumph in the payments realm and are perpetually refining their infrastructure. A primary area of concentration is real-time payments, witnessing a surge in consumer adoption. They envision open banking as the industry’s future, with instantaneous bank transfers assuming a pivotal function. Notably, their proprietary open banking framework already facilitates payments for customers in under 10 seconds, operational around the clock, every day of the year. This presents a substantial enhancement over conventional card transactions, often requiring several days for processing.

ISXPay operates globally, expanding its international footprint. Beyond their Cyprus headquarters, they maintain offices in the United States, the United Kingdom, Lithuania, the Netherlands, and Malta. Additionally, they are strategizing to establish a presence in Canada and Brazil shortly.