Latest news with #digitalfirst
Yahoo
5 days ago
- Business
- Yahoo
From patchwork to platform: How payment orchestration is becoming core infrastructure
Not long ago, payments followed a relatively straightforward model: one provider, one integration and, (despite multiple redirects) one route from checkout to completion. But as commerce has become more digital, more global and more fragmented, the simplicity of that model has broken down. Merchants today must manage a growing mix of payment methods, regional providers, fraud solutions and value-added services. At the same time, they are under pressure to optimise performance, reduce costs and expand into new markets. These demands are putting serious strain on payment technology stacks, just as customer expectations for speed and reliability are higher than ever. In response, many businesses began turning to payment orchestration. Initially used to streamline connections between multiple providers, it has evolved into something far more strategic. Today, payment orchestration enables businesses to run their payment operations more effectively. It improves resilience, enhances adaptability and supports faster rollout of new functionality. The earliest adopters were in two camps. Some merchants were under great pressure to modernise, and others were naturally forward-thinking and focused on gaining competitive edge. In both cases, these merchants were digital-first, expanding across borders, and knew that their payment setup could not keep pace with their growth. Payment orchestration helped them simplify disconnected systems and take control of how payments were routed and managed. For many, it was a calculated risk that ultimately gave them a head start At its core, payment orchestration refers to an independent software layer that sits between merchants and their payment providers. Unlike gateways or aggregators of alternative payment methods, true orchestration is vendor-agnostic and connective rather than controlling. It enables agility while optimising payment flows and maintaining choice. What matters most is what sits within that layer and what those features enable. Capabilities such as smart routing, tokenisation, checkout personalisation and redundancy management can be implemented without reengineering the entire stack. This model significantly reduces the burden on development teams and allows businesses to focus more on growth than maintenance. For some time, the discussion around payment orchestration has centred on merchant needs: how to scale efficiently, manage risk and improve reliability. Increasingly, however, orchestration is proving valuable to the payment providers themselves. In the face of the demand for modernisation, many financial institutions are now asking the same question that merchants once did: build or buy? Some are investing in the modernisation of their acquiring platforms. Others are stepping back from infrastructure ownership and partnering with orchestration providers to bring more advanced features to their customers. Several acquirers have begun looking for white-labelled orchestration technology. The aim is to help them unify siloed systems, route volume more precisely, or serve merchants in markets where they lack direct coverage. It can give them a competitive edge without having to overhaul their entire architecture. This shift in thinking matters. Payment orchestration is no longer seen as a disruptive force. It is being recognised as a way to retain high-value merchant relationships while expanding capabilities in a more sustainable way. Another important shift is in how payments orchestration is being deployed. Full-stack transformation is no longer the only option. Many businesses are now taking a modular route, applying orchestration to solve focused challenges. Some implement routing logic only. Others begin with tokenisation or use orchestration for fallback and continuity. This versatility allows for precise, high-impact improvements. A gateway might adopt orchestration to extend connectivity and routing. A travel platform may integrate it to create more reliable checkout experiences without disrupting their acquirer relationships. A financial institution could use it to bring consistency across legacy systems and regional operations. These are just a handful of very simple examples, but the potential permutations are vast. In some verticals, payments orchestration is supporting even more advanced payment strategies. Gambling operators, for example, are using it across both pay-in and payout flows, layering in fraud prevention solutions, tokenisation and adaptive routing. In the digital goods and ticketing sectors, it is helping consolidate multiple brands under a single platform following mergers and acquisitions. Tokenisation is now a common entry point. Several businesses begin by using orchestration to manage scheme-level token compliance or consolidate token management across providers. From there, they expand into broader orchestration use cases over time. As payment orchestration continues to evolve, its relevance now extends far beyond early adopters. It is becoming shared infrastructure that benefits both merchants and providers. For many in the payment providers in the ecosystem, its role is becoming more obvious. It serves as a distribution layer that encourages collaboration rather than competition. As more merchants demand the level of control and flexibility that orchestration offers, providers need to meet that demand to retain and grow those merchant relationships. But they need to do it without rebuilding from scratch. This is not about undermining incumbents or competing on price. Sustainable orchestration works by reinforcing the connection between merchant and payment provider. That principle has to be part of the orchestration model, especially as adoption increases among more traditional financial institutions and platform businesses. What started as a workaround for disconnected systems is now becoming foundational. Payment orchestration has shifted from patchwork to platform, from tactical fix to core infrastructure. For those that adopted early, the gamble is paying off. And as global requirements grow and payment environments become harder to manage, payment orchestration is no longer a fringe innovation. It is becoming essential. Tom Voaden is VP of Commercial at BR-DGE "From patchwork to platform: How payment orchestration is becoming core infrastructure" was originally created and published by Electronic Payments International, a GlobalData owned brand. The information on this site has been included in good faith for general informational purposes only. It is not intended to amount to advice on which you should rely, and we give no representation, warranty or guarantee, whether express or implied as to its accuracy or completeness. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.
Yahoo
23-05-2025
- Business
- Yahoo
Oddity Tech Soars 52% in a Month: Is the Stock Still Worth Buying?
Oddity Tech Ltd. ODD shares have rallied 51.9% over the past month, significantly outperforming the Zacks Computer and Technology sector's return of 15.5% and the Zacks Internet - Software industry's growth of 20.5%.The company has also outpaced industry peers, including Paylocity Holding PCTY, Audioeye AEYE and StoneCo STNE. Over the past month, shares of Paylocity Holding and Audioeye have returned 6.6% and 6.1%, respectively, while StoneCo has dropped 1%.ODD's outperformance can be attributed to its standout performance in the first quarter of 2025, driven by solid top and bottom-line growth. Revenues rose 27% year over year to $268 million, exceeding the Zacks Consensus Estimate by 2.86%. Earnings per share came in at 69 cents, representing a 13% increase from the prior year and surpassing expectations by 9.52%. This strong quarterly outperformance highlights the company's solid execution and sustained demand across its digital-first beauty industry's structural transformation, particularly the shift to online channels, continues to play to Oddity's strengths. As consumer preferences move increasingly toward digital-first experiences, the company is solidifying its leadership as a dominant B2C platform. ODDITY Tech Ltd. price-consensus-chart | ODDITY Tech Ltd. Quote Oddity Tech's strong performance continues to be anchored by its growing portfolio of high-performing consumer brands. Both IL Makiage and SpoiledChild delivered double-digit revenue growth in the first quarter, underscoring their central role in the company's momentum. These brands not only fuel current results but also provide a strong foundation for long-term growth and overall MAKIAGE remains the company's flagship brand and continues to perform ahead of expectations. Management reiterated confidence in achieving the brand's $1 billion revenue target by 2028. A key driver of this trajectory is IL Makiage Skin, which is anticipated to contribute nearly 40% of the brand's total revenues this SpoiledChild, now in its third year since launch, is quickly establishing itself as a formidable growth engine. The brand is on track to surpass $200 million in revenues in 2025, backed by healthy margins and strong consumer adoption. Oddity Tech continues to make significant strides in expanding its product portfolio, with its innovation pipeline playing a central role in its growth strategy. Development of Brand 3 is on track for a soft launch in the third quarter of 2025 and a full commercial rollout by year-end. Preparations are also underway for the launch of Brand 4 in 2026, reinforcing the company's commitment to sustained product development. Simultaneously, ODDITY LABS — the company's proprietary molecule discovery platform — remains a key driver of differentiation, strengthening its ability to deliver cutting-edge, science-driven products that resonate with modern international expansion is accelerating, with promising early results in key European markets. The company achieved double-digit growth in France, Italy and Spain, highlighting the success of its global scaling efforts. Management remains optimistic about the international opportunity, noting that while more than 80% of Oddity's revenues currently come from the United States, this opens the door for the company to build scale abroad and unlock new growth engines beyond its home market. For the second quarter of 2025, Oddity Tech expects total revenues of $235-$239 million, suggesting a 22-24% year-over-year increase. The Zacks Consensus Estimate for revenues is pegged at $237.22 million, indicating 23.06% year-over-year company expects adjusted earnings per share between 85 cents and 89 cents. The consensus mark for the second-quarter earnings is pegged at 88 cents per share, unchanged over the past 30 days, suggesting a year-over-year rise of 7.32%.For fiscal 2025, Oddity Tech anticipates revenues of $790-$798 million, suggesting 22-23% year-over-year growth. The Zacks Consensus Estimate for revenues is pegged at $796.37 million, indicating year-over-year growth of 23.08%.Adjusted earnings per share are expected to be $1.99-$2.04 per share. The consensus mark for earnings is pegged at $2.02 per share, up 3.1% in the past 30 days, suggesting a year-over-year rise of 3.06%.Oddity Tech's earnings beat the Zacks Consensus Estimate in the trailing four quarters, delivering an average earnings surprise of 32.80%. Oddity Tech presents a compelling investment opportunity, backed by strong revenue and earnings growth, highlighting a clear path to sustained profitability. Its double-digit growth in key markets, robust innovation pipeline and accelerating global expansion, combined with strong brand momentum, position Oddity Tech as a long-term value creator in the beauty and wellness all these factors, it is prudent to buy this Zacks Rank #1 (Strong Buy) stock right now. You can see the complete list of today's Zacks #1 Rank stocks here. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Paylocity Holding Corporation (PCTY) : Free Stock Analysis Report Audioeye, Inc. (AEYE) : Free Stock Analysis Report StoneCo Ltd. (STNE) : Free Stock Analysis Report ODDITY Tech Ltd. (ODD) : Free Stock Analysis Report This article originally published on Zacks Investment Research ( Zacks Investment Research
Associated Press
06-05-2025
- Business
- Associated Press
Homeland Credit Union Goes Live with MDT to Enhance Efficiencies and the Member Experience
FARMINGTON HILLS, Mich.--(BUSINESS WIRE)--May 6, 2025-- MDT , a CUSO that helps credit unions navigate complex financial technology ecosystems, today announced that Homeland Credit Union has successfully launched a long term partnership with MDT. This shift enables the credit union to provide leading digital-first capabilities, create new efficiencies and more effectively leverage data. Homeland Credit Union has provided financial services to generations of families and communities across South Central Ohio since 1932. As the financial landscape evolves, the credit union was looking to replace its aging core system with a more modern, robust platform to streamline processes and deliver a broader range of digital-first solutions to meet members' everyday needs. MDT stood out because of its collaborative approach to digital initiatives, deep industry expertise and unwavering commitment to member service. 'To stay ahead in today's era of rapid innovation and growing competition, we knew we needed a more sophisticated platform that could meet our members where they are. MDT has been a trusted partner throughout this process, providing comprehensive training and resources to ensure the transition was as seamless as possible.' said Shayne Poe, CEO of Homeland Credit Union. 'With MDT, we are gaining more than a core system; we now have strong technical expertise and support we can rely on. Our members have always been our top priority, and MDT is empowering us to best support them now and into the future.' MDT is hosting the Symitar® core platform for the credit union, enabling seamless integration with Jack Henry Digital (Banno) to deliver a modern, intuitive member experience. The partnership goes beyond the core, empowering the credit union with advanced tools for data insights and business intelligence, providing a strong foundation for scalable growth and ongoing innovation. 'We are proud to partner with Homeland Credit Union, supporting their deep dedication to excellence in member service and helping them thrive in the fast-evolving digital landscape,' said Gary Lee, Chief Client Officer at MDT. 'With MDT, the credit union can provide a more modern, comprehensive member experience while also boosting operational efficiencies. By investing in technology and strategies for the future, Homeland is well positioned to compete, grow and remain the institution of choice for their members.' About MDT MDT helps credit unions navigate complex financial technology ecosystems, ensuring they remain institutions of choice for members. In addition to hosting the Symitar core processing system from Jack Henry™, MDT provides credit unions with the tools and technology needed to compete and grow. Committed to partnership, security, and compliance, MDT takes a collaborative approach to service—leveraging deep industry expertise to understand each institution's unique needs and foster long-term success. MDT supports over 100 credit unions with cloud-based solutions, expert consulting, and digital transformation strategies. With MDT, credit unions across the country can more effectively implement technology, boost efficiencies, and enhance member service. Visit or follow @memberdriven for more information. View source version on CONTACT: Media Contact Amber Bush [email protected] KEYWORD: UNITED STATES NORTH AMERICA MICHIGAN INDUSTRY KEYWORD: DATA ANALYTICS FINANCE BANKING DATA MANAGEMENT PROFESSIONAL SERVICES TECHNOLOGY FINTECH DIGITAL CASH MANAGEMENT/DIGITAL ASSETS SOURCE: Member Driven Technologies Copyright Business Wire 2025. PUB: 05/06/2025 08:07 AM/DISC: 05/06/2025 08:06 AM
