Driven by regulatory burdens and product commoditization, banks are searching for new methods to deliver payments solutions to their corporate customers. Microsoft continues its leadership position within financial services firms with a payments services factory: a modern, integrated single processing platform for commercial payments that improves straight-through processing and reduces costs for corporate treasury organizations. The payments services factory delivers an affordable foundation that banks can use to create new payments products to meet the shifting needs for extended visibility and paperless processes of their largest customers. Microsoft has partnered with other payments industry entities to create a full payments ecosystem. For example, its partnership with SWIFT combines the best of SWIFT’s reliability and security with Microsoft innovation and ease-of-use.