CLIENT OVERVIEW: A global payments leader
As a proud 100% Brazilian company and recognized global leader in the payments industry, Elo processes about 10% of Brazil’s financial transactions. That’s why the company is continually looking for ways to enhance and simplify personalized payment solutions across a growing infrastructure that serves millions of cardholders, merchants, acquirers and issuers.
THE CHALLENGE: Explosive transaction and user growth
The exponential growth of digital transactions and users in Brazil — who now exceed 164 million — has driven the need for more robust solutions to ensure payment efficiency and security. That’s why Elo sought a scalable, resilient, and comprehensive monitoring solution to optimize its credit and debit card operations. The goal was to achieve real-time visibility and analysis of each transaction while ensuring compliance with the strict regulations of the Central Bank of Brazil, and guaranteeing the legitimacy and security of each payment before processing.
THE SOLUTION: INETCO Insight®
As a highly specialized cybersecurity and network security company, Agility — one of Elo’s key strategic partners — recommended the INETCO Insight real-time transaction monitoring solution based on:
- Its unique and powerful ability to provide full visibility of ALL payment transactions across an entire hybrid network infrastructure
- Its proven ability to reduce transaction failures and isolate slowdowns and unexpected declines in milliseconds
- Its seamless integration into Elo’s hybrid infrastructure without requiring changes to the transaction switch or impacting transaction speed
- The responsiveness and flexibility of the Agility and INETCO support teams
- Its ability to ensure the confidentiality and integrity of sensitive data, and comply with security and privacy regulations such as PCI DSS and GDPR/LGPD
“With INETCO, we have also gained the ability to diagnose historical failures, something that was previously impossible without a pre-initiated Trace Route/TCP Dump capture. As a result, many incidents lacked diagnosis and, consequently, a definitive resolution. At the same time, INETCO is reducing the technical effort required for root cause investigations and failure diagnostics, improving operational efficiency. The solution makes failure analysis easier, allowing technical teams to focus more on incident resolution rather than lengthy investigations, ultimately reducing failure recovery time.”
ARLEI FRANCIOLI JR., EXECUTIVE TECHNOLOGY MANAGER, ELO
THE RESULTS: Faster fixes, stronger analytics, optimal efficiency
Within weeks of working with Agility to implement INETCO Insight, Elo experienced a 90% drop in the time it took to diagnose failures and connectivity issues in its core business infrastructure. Elo’s Command Center also appreciates the improved incident indicators offered by INETCO Insight’s advanced dashboards, end-to-end transaction flow mapping, and real-time alerts, all of which enable both the identification of bottlenecks in milliseconds and the analysis of historical failures. This has improved the company’s ability to identify the root causes of incidents by approximately 60%, while also facilitating the detection of external latency issues.
In one memorable instance, an acquirer contacted the Elo Command Center to report transaction blockages within the transactional infrastructure. Using INETCO Insight, it took mere minutes to determine that the transaction had passed through the entire transactional infrastructure after being approved by the issuer. However, upon returning to the acquirer’s infrastructure, the approval message experienced a timeout, resulting in the purchase being declined. After being notified of the issue by Elo, the acquirer was able to locate the root cause and resolve it permanently.
With INETCO’s solution proving so effective, scalable and resilient in monitoring and investigating potential issues in Elo’s infrastructure, the Brazilian company is proceeding to test INETCO BullzAI — an industry-leading payment fraud and cyber security solution — through a proof of concept.
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