In many banks, the payments infrastructure is barely suitable for today, let alone tomorrow. Banks face ever more changes, and adding more patches simply isn’t advisable or even possible—for example, a heritage batch system simply can’t be kludged to handle an instant payment using ISO20022. Most banks understand this and recognize that they need a modern payments solution. However, many banks are still hesitant about adopting cloud as part of that modernization, despite the clear benefits of doing so.