Payments, Risk & Technology Advisory Across the Financial Ecosystem
Payments modernisation, real-time rails, and financial-crime risk affect every part of the financial ecosystem—but each industry faces different constraints, incentives, and regulatory pressures.
We work with institutions across the ecosystem to design, modernise, and operate payment systems, risk frameworks, and technology platforms that are scalable, compliant, and resilient.
Banks & Financial Institutions
Modernising Payments Under Regulatory Scrutiny
Banks operate at the centre of the payments ecosystem—balancing:
- Legacy infrastructure
- Real-time payment adoption
- ISO 20022 migration
- Heightened fraud and AML expectations
We support banks with:
- Payments transformation and operating model redesign
- ISO 20022 advisory and coexistence strategies
- Real-time payments fraud and APP risk frameworks
- AML and transaction monitoring optimisation
- Regulator and audit-ready delivery
Outcome
Modernised payments and risk capabilities delivered without compromising stability, control, or regulatory confidence.
Payment Service Providers (PSPs)
Scaling Real-Time Payments Safely
PSPs face intense pressure to:
- Onboard quickly to payment networks
- Scale transaction volumes
- Maintain resilience and availability
- Manage fraud and settlement risk
We help PSPs with:
- Real-time payment readiness and certification
- ISO 20022-native payment architectures
- Fraud strategy for irreversible payment rails
- Settlement, reconciliation, and operational resilience
- Secure, scalable cloud and platform design
Outcome
Faster growth with controlled risk and predictable operations.
Fintechs & Digital Platforms
Innovation Without Regulatory Blind Spots
Fintechs and platforms innovate quickly—but often face:
- Evolving regulatory expectations
- Fraud and scam exposure
- Data, security, and governance gaps
We support fintechs with:
- Embedded payments and finance strategy
- Fraud, AML, and customer-protection design
- ISO 20022 and data-driven risk capabilities
- Cloud, data, and AI governance frameworks
- Readiness for bank and regulator scrutiny
Outcome
Innovation that scales without creating future compliance or risk debt.
NBFCs & Lenders
Responsible Growth in Digital Credit
Digital lending and BNPL introduce speed and reach—but also:
- Higher fraud exposure
- Credit misuse risk
- Increased supervisory focus
We help lenders with:
- Digital credit and BNPL risk advisory
- Fraud and repayment control frameworks
- AML and transaction monitoring alignment
- Operating model and governance design
- Platform and data modernisation
Outcome
Sustainable credit growth with discipline, transparency, and regulatory alignment.
Marketplaces & Ecosystem Platforms
Payments, Settlement & Trust at Scale
Marketplaces depend on:
- Embedded payments
- Multi-party settlement
- Trust between participants
We advise marketplaces on:
- Embedded payments and payout architectures
- Settlement and reconciliation models
- Fraud, mule-account, and scam controls
- Platform governance and risk oversight
- Integration with banks and PSPs
Outcome
Trusted, scalable ecosystems that protect buyers, sellers, and the platform.
Clearing Houses & Payment Networks
Enabling Ecosystem Interoperability
Payment networks and clearing houses must ensure:
- Standards compliance
- Participant readiness
- Settlement integrity
- Ecosystem stability
We support networks with:
- Participant testing and certification strategies
- ISO 20022 implementation and validation
- Settlement model design (prefunded, DNS)
- Risk and operational readiness frameworks
- Governance and scheme documentation
Outcome
Consistent onboarding, reduced ecosystem risk, and sustainable network growth.