Torus has been named the winner in the “Data Insights” category at the FF Awards 2025, one of the key European recognitions for data-driven innovation in financial services. The award underlines the platform’s role in helping issuers and acquirers better understand profitability across their card portfolios.

Across Europe, the payments industry is undergoing a structural shift. After a decade defined by scale and volume growth, institutions are increasingly focused on margin quality, cost control and sustainable profitability. 

Reports from leading consultancies, including McKinsey, note that revenue growth in payments has slowed significantly, while pressure on fees continues to rise. As a result, issuers and acquirers are reevaluating long-standing assumptions and investing in tools that help them identify loss-making segments, correct pricing inefficiencies and monitor margin performance in real time.

Financial institutions and merchants alike now expect granular, daily visibility into scheme fees, processing costs and the real profitability of their portfolios — visibility increasingly seen not as a “nice-to-have,” but as essential infrastructure for operating profitably in a more competitive market.

The FF Awards jury — which included experts from the Bank of England, Bank of Ireland, Deutsche Bank and others — focused on tools that deliver clear financial impact. This need is growing, as many institutions still face profit leaks, unclear fees and gaps in card economics. Torus’ win in the Data Insights category reflects this shift toward practical solutions that help organisations understand their costs and improve profitability in a more competitive market.