Accelerating secure open banking with Infosys and Redis Cloud

Tokenization: The engine of secure financial innovation

In the modern financial landscape, data security and real-time responsiveness aren’t optional, they’re fundamental. Tokenization has emerged as the foundation for secure digital transformation, replacing sensitive data with unique tokens that preserve functionality while eliminating exposure risk. It’s the trust layer that powers Open Banking, enabling banks, fintechs, and third parties to exchange data securely and instantly.

“Tokenization is no longer just a compliance measure, it’s the trust layer of modern finance,” said Divyanshu Tiwari, Head Cloud Sales Financial Services. Americas, Infosys. “By combining Infosys’s deep financial domain expertise with Redis’s real-time data platform, we’re enabling banks to deliver the sub-ms performance that Open Banking demands while maintaining enterprise-grade security.

Why tokenization powers open banking

Open Banking depends on secure, regulated data sharing between financial institutions and trusted third parties. Tokenization makes this possible by ensuring that sensitive details, like account numbers or payment credentials, are protected. In Open Banking, tokenization covers both data tokenization (protecting financial data) and access tokenization (securing API access)

• Protects privacy – Tokens replace raw financial data in every exchange.
• Secures payments – Supports Account-to-Account (A2A) and Variable Recurring Payments (VRPs).
• Prevents fraud – Dynamic, time-limited tokens eliminate the risk of reuse.
• Ensures compliance – Aligns with PSD2, GDPR, PCI DSS, and global Open Banking mandates.

“Redis enables financial institutions to meet regulatory and performance demands simultaneously,” said Mike Moss, SVP Global Partner Sales. “Our cloud platform delivers sub-millisecond response times for token validation and session management, ensuring customer experience and regulatory adherence work hand in hand.

Redis Cloud: The performance layer for enterprise tokenization

While specialized tokenization vaults handle secure token generation and storage, Redis Cloud provides the real-time performance layer that makes enterprise-scale Open Banking possible. In partnership with certified tokenization providers, Redis accelerates every aspect of the token lifecycle, from validation to session management to fraud detection.

1. High-speed token validation cachingRedis's in-memory architecture caches token validation results, reducing latency to sub-millisecond response times. In high-volume payment scenarios, this caching layer handles most validation requests, dramatically reducing load on primary tokenization services while maintaining security.

2. Real-time session & authentication managementRedis manages OAuth tokens, user sessions, and consent permissions at scale, supporting PSD2 Strong Customer Authentication (SCA) requirements. With automatic TTL-based expiration and secure in-memory storage, Redis ensures authentication flows remain both fast and compliant.

3. API performance optimizationRedis accelerates Open Banking API responses by caching frequently accessed data, reducing database queries, and managing connection pooling. This architectural approach enables banks to handle peak transaction volumes while maintaining consistent sub-ms API response times.

4. Multi-cloud integration & scalabilityRedis Cloud integrates seamlessly with tokenization services across AWS, GCP, and Azure, providing a consistent performance layer regardless of underlying infrastructure. Active-Active geo-distribution ensures global availability for international banking operations.

5. Real-time monitoring & observabilityRedis provides instant visibility into token validation latency, cache hit rates, and system health. Combined with Redis Pub/Sub, security teams receive instant alerts on anomalous activity, enabling proactive fraud prevention across the Open Banking ecosystem. 

Real impact across financial lines of business

• Payments – Accelerating Pay-by-Bank, VRP, and real-time settlements with sub-ms response times. .
• Wealth management – Enabling instant aggregation of multi-bank data for personalized insights while maintaining security.
• Lending – Reducing loan approval times using verified, tokenized financial data.
• Treasury and cash Management – Delivering real-time liquidity views and secure API-based payment initiation.
• Digital Banking – Enabling faster innovation through secure API ecosystems and fintech integrations.
• Risk & Compliance – Enabling real-time fraud monitoring and compliance reporting.

A partnership built for the future

Together, Infosys and Redis are redefining how financial institutions secure data, comply with regulation, and deliver exceptional real-time customer experiences.

“As banks modernize, the pressure to move fast without sacrificing trust is enormous,” said Divyanshu Tiwari. “Our joint solution gives them both the agility to innovate and the confidence to scale securely.”

Mike Moss reinforced the joint vision: “Redis and Infosys are helping global banks unlock Open Banking at enterprise scale. By combining Infosys’s financial services expertise with Redis’s proven real-time performance, we’re enabling institutions to deliver the experiences customers demand, while maintaining the trust regulators require.”

The secure path to open banking

Open Banking is transforming financial services, but its success depends on trust, speed, and security. The right architecture makes this transformation both safe and scalable.

The partnership between Infosys and Redis delivers a pre-validated, high-performance solution designed for today’s regulatory and operational realities. By uniting Infosys’s financial services and compliance expertise with Redis Cloud’s real-time speed, scalability, and resilience, banks can:

• Achieve regulatory compliance seamlessly.
• Accelerate innovation through secure, API-driven ecosystems.
• Protect customer trust by combining certified tokenization security with Redis’s performance optimization.
• Deliver sub-millisecond experiences across every digital touchpoint.

Ready to accelerate your Open Banking journey with a secure, real-time tokenization solution? Join Redis and AWS Wednesday, December 3rd (10AM PST) for an exclusive Financial Services Roundtable at AWS re:Invent to learn how leading institutions are moving from legacy to real-time, cloud-native architectures, without sacrificing consistency or control. Reserve your seat now. Space is limited.

About Infosys Infosys is a global leader in next-generation digital services and consulting, helping financial institutions across 50+ countries navigate their digital transformation journey.

About Redis Redis is the world’s most loved in-memory database and real-time data platform, trusted by global enterprises for performance, scalability, and security in mission-critical workloads.