Enterprise Payment Expert

Prajwalkumar Bhatkar is a seasoned software engineer with over 20 years of experience in the banking and financial technology sector. Currently serving as a Senior Lead Software Engineer at Capital One, he has been instrumental in driving innovation within the bank's enterprise payment infrastructure. Prajwalkumar’s most notable achievement is the development of the Payment Exchange Platform, which significantly enhanced Capital One’s ability to manage a wide array of transactions, including ACH, CHecks, wire transfers, RTP (Real-Time Payments), FedNow, debit card processing, and balance transfers. His expertise in cloud architecture, AI integration, and payment processing systems has led to a 40% increase in transaction processing throughput, positioning Capital One as a leader in the digital payments landscape.

Prajwalkumar's work emphasizes the importance of scalability, security, and seamless integration within payment systems, ensuring efficient transaction handling even under high volumes. His contributions extend beyond technical development, as he plays a vital role in mentoring teams and collaborating with stakeholders to align technological solutions with strategic business objectives. Recognized for his thought leadership, he is a senior member of IEEE, a professional member of ACM, and an active contributor to industry publications on AI’s role in banking. His expertise and forward-thinking approach have made a significant impact on the financial industry, driving digital transformation in payment systems.