Payments Academy

How 10 Large Banks Do Payments

D14 Business analysis and professional practice · 7 lessons

Version 1.0 | Last reviewed 2026-11-05

Learner compares how ten large banks organise payments, including hub models, vendor choices, and operating models, and extracts lessons a smaller bank can apply. Learner applies this skill in realistic banking scenarios, with clear examples and correct terminology throughout.

How ten large banks do payments: inside the payment operations of the world's largest transaction banks.

What You Can Do After This Chapter

Learning objective. Learner compares how ten large banks organise payments, including hub models, vendor choices, and operating models, and extracts lessons a smaller bank can apply. Learner applies this skill in realistic banking scenarios, with clear examples and correct terminology throughout.

Practical assessment. Learner researches ten large banks from public sources and completes a comparison table covering hub model, core payment systems, and operating model for each. Learner then writes a two-page lessons note, naming five practices a smaller bank can adopt, with the benefit and the implementation effort for each practice stated. Learner submits all work with sources, calculations, and assumptions stated clearly, and reviews the result against the chapter checklist before submission.

Expected deliverables.

Completion criterion. Learner completes the table for all ten banks accurately, names five transferable practices, and states benefit and effort for each practice. Completion is judged on accuracy, completeness, and clear written explanation throughout.

In this chapter
  1. JPMorgan Chase and Citibank
  2. HSBC and Standard Chartered
  3. Bank of America and Wells Fargo
  4. Deutsche Bank and BNP Paribas
  5. Barclays and NatWest
  6. UBS and Goldman Sachs
  7. More Banks and What to Learn from Them

Start Lesson 1: JPMorgan Chase and Citibank →