Strategic Partnership in Action: Why Payment Modernization Is a Leadership Imperative 

The financial services industry is evolving at unprecedented speed. Real-time payments, artificial intelligence, and regulatory shifts like PSD3 and ISO 20022 are not just technical challenges, they are strategic imperatives. At Samlink, we see modernization not as a project, but as a partnership. 

Kyndryl’s Payment Modernization publication sets the stage for how financial institutions can respond to the accelerating pace of change in payments. It outlines the strategic priorities—real-time capabilities, AI adoption, and regulatory readiness—that are shaping the future of banking. At Samlink, we take these insights forward by helping Nordic banks turn strategy into execution through trusted partnerships and tailored solutions.  

Modernization Is More Than Technology— It’s About Trust

In today’s payment ecosystem, speed and security must go hand in hand. Real-time transactions require not only technical readiness but also operational resilience and customer confidence.  AI-powered personalization must be built on transparency and ethical data use. These are not just technical requirements, they are trust-building mechanisms. 

At Samlink, we support banks in strengthening their security frameworks through Zero Trust principles and by aligning with the EU’s DORA regulation. Our focus is on helping institutions build trust through secure, compliant, and future-ready solutions.  

Co-Creation Is the Future of Innovation

One of the most impactful aspects of our work is co-creating solutions with our customers and ecosystem partners. Whether it’s exploring AI for fraud detection or evolving legacy systems toward more agile, cloud-enabled environments, we work closely with our customers to define the right approach and deliver measurable outcomes.  

This collaborative approach ensures that every solution is relevant, measurable, and aligned with the bank’s strategic goals. It’s how we turn transformation into tangible business success. 

Leadership in a Changing Landscape

Leadership in banking technology means understanding the industry’s direction, anticipating change, and enabling customers to respond with confidence. It means being bold in innovation, disciplined in execution, and human in our approach. 

Samlink’s role in payment modernization is not just about delivering services. It’s about shaping the future of finance in the Nordics and beyond. 

Sara Ramakers 
CEO of Samlink