Implementation strategies for real-time payment processing capabilities in retail banking operations

Posted: Oct 28, 2025

• Dr. Mia Wang
• Dr. Nora Moretti
• Dr. Nora Ortega

Abstract

This research investigates the implementation strategies for real-time payment processing capabilities in retail banking operations, presenting a novel framework that integrates quantum-inspired optimization algorithms with traditional banking infrastructure. The study addresses the critical challenge of maintaining legacy systems while adopting cutting-edge real-time processing technologies, a paradox that has hindered many financial institutions from achieving true real-time capabilities. Our methodology employs a hybrid approach combining quantum annealing principles with conventional distributed computing to optimize transaction routing and resource allocation in real-time payment systems. We developed and tested our framework across three distinct banking environments: traditional branch-based operations, digital-only banking platforms, and hybrid models. The results demonstrate a 67