Advisory grounded in practical implementation, combining strategic insight with technical depth across the full lifecycle of financial market infrastructure.
Bonita FMI is a specialised, independent advisory firm focused on Financial Market Infrastructure. We partner with central banks, regulators, financial institutions, payment operators and development partners across Africa and emerging markets to design, deliver and assure the infrastructure that powers secure, efficient and inclusive financial systems.
Our practice was built inside the programmes we now advise on: national payment switches, instant payment systems, card and digital payment platforms, and the governance and assurance disciplines that take them safely to production. We combine executive-level advisory with hands-on technical depth, so strategy stays connected to what delivery actually requires.
An independent, vendor-neutral partner working solely in your interest, so procurement, evaluation and assurance stay objective at every stage.
Payment switches, instant payment systems, RTGS and interoperability programmes, led from design through testing to go-live at sovereign level.
Trusted by central bank leadership, ministries and boards to advise on decisions with generational consequences for national payment ecosystems.
Strategy, architecture, implementation and operational readiness, including retail cards and acquiring, mobile money, digital wallets, QR payments and cross-border connectivity.
Programme experience that extends infrastructure to the people it is built for, from agent networks to inclusive instant payment design.
Strong understanding of regulatory environments, oversight frameworks and the compliance realities that shape what infrastructure can do.
African and emerging markets where financial infrastructure includes everyone and fails no one.
To help institutions design, deliver and govern financial market infrastructure that earns trust at national scale.
Advice with no product to sell and no vendor to please.
Executive standards, practitioner depth, delivery discipline.
We say what the evidence says, especially when it is inconvenient.
We build capability in our clients, not dependence on us.
Infrastructure only matters when it reaches everyone.
One firm across the full arc of an infrastructure decision: from understanding where you stand, to independent advice, to delivery on the ground, to proof that it works.
Independent assessment of where your programme truly stands, and what is blocking progress.
Strategy, architecture and governance counsel grounded in delivery experience.
Hands-on leadership through procurement, implementation and integration.
Structured testing and certification that proves the system works before the public depends on it.
Independent readiness assurance that protects go-live dates and executive decisions.
Let's build the infrastructure for a more inclusive and resilient future.
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