Advisory-led Payments, Embedded Finance & Risk Transformation
Designed for the ISO 20022 era, real-time payments, financial crime controls, and digital assets
Built for Institutions That Cannot Afford Failure
Payments transformation is no longer optional. Real-time payments no longer operate in isolation—they intersect with embedded finance models, evolving financial crime risks, and digital assets, all within a highly regulated environment.
We help institutions navigate this complexity with advisory-led, regulator-aware solutions that balance innovation with control.
We work across:
Payments strategy and operating models
ISO 20022 migration and coexistence
Embedded finance and digital credit
Digital assets and digital token enablement and risk
Financial crime, fraud, and regulatory readiness
What We Do?
Payments Transformation Consulting
Modernise legacy payment systems across ACH, RTGS, instant, and cross-border rails.
We redesign operating models, improve resilience, and reduce cost without disrupting live operations.
ISO 20022 Advisory and Migration
ISO 20022 is more than a message format—it is a data, process, and governance transformation.
We support readiness assessments, migration strategies, coexistence planning, and scheme compliance.
Embedded Finance & Digital Credit
Design embedded payment and finance propositions that are commercially viable, operationally sound, and regulator-ready.
Financial Crime and Risk Consulting
Optimise fraud, AML, and transaction monitoring frameworks to reduce risk without harming customer experience.
Digital Assets & Digital Tokens Advisory
Enable institutions to engage with digital assets without compromising compliance, resilience, or trust.
How We Work?
Advisory and Assessment
Deep diagnostic of systems, data, risk, and regulatory obligations.
Architecture and Design
Target-state operating models, payment architectures, and migration plans.
Test, Validate, and Launch
Critical payment flows, ISO 20022 messages, and exception scenarios are validated before production.
GP2 Platform
Purpose-Built Validation for ISO 20022 Payment Systems
Our advisory work is supported by GP2, a specialised innovation and testing platform designed for ISO 20022-based payment systems.
GP2 enables:
Validation of ISO 20022 message flows
Legacy and ISO coexistence testing
End-to-end payment scenario simulation
Exception, rejection, and repair testing
Data quality and enrichment validation
Who We Work With?
Why Bhuma?
Deep ISO 20022 and payments standards expertise
Consulting-led, vendor-neutral advice
Strong focus on risk, compliance, and resilience
Practical validation, not slideware
Trusted by institutions operating at scale
Ready to Modernise Payments with Confidence?
Whether you are planning an ISO 20022 migration, redesigning payment operating models, or strengthening real-time risk and financial crime controls, we help institutions move forward safely and at scale.