About Bonita FMI

Who we are, and why we exist.

Bonita FMI is a specialist financial market infrastructure advisory and assurance practice. We work at the intersection of institutions, regulation, technology and implementation, helping clients understand what needs to be solved, determine whether the ecosystem is ready, build the conditions for trust and resilience, and reduce the risk of committing significant investment before the underlying constraints are properly understood.

Our operating proposition

We operate upstream of implementation.

Successful infrastructure programmes begin before procurement and technology deployment. We diagnose ecosystems, assess institutional and market readiness, identify underlying constraints, and help define the interventions required before significant investment is committed.

Where required, we remain engaged through implementation to provide independent delivery assurance and ensure solutions are ready to operate as intended.

Our approach

A structured lifecycle

We apply the same methodology across financial infrastructure programmes, from diagnosis through to operational resilience.

01
Diagnose

Understand the market, ecosystem, institutions, regulatory environment and existing infrastructure.

02
Define

Establish the underlying problem, requirements, priorities, intervention and roadmap.

03
De-risk

Assess readiness, dependencies and risks before investment is committed.

04
Assure

Provide independent oversight across delivery, integration, testing and participant readiness.

05
Validate

Confirm certification, operational readiness and go-live preparedness.

06
Sustain

Strengthen resilience, performance, governance and continuous improvement.

Practitioner-led expertise

Built on more than 18 years of practitioner experience.

Bonita FMI draws on its founder’s 18+ years of hands-on experience across African payment systems, digital channels and financial market infrastructure. This experience spans central bank advisory, national payment infrastructure programmes, payment solution engineering, digital channel leadership, switching, settlement, systems integration, testing and certification.

This foundation brings policy, institutional, operational and technology perspectives together, helping clients ground strategic and investment decisions in the realities of implementation.

18+ years
Practitioner expertise
Hands-on central banking advisory and ecosystem oversight.
Pan African
Regional reach
Grounded in cross border payment rails and regional infrastructure dynamics.
Independent
Advisory and assurance
Objective, vendor neutral system delivery governance.
Who we work with

Institutions and partners

Governments and ministries
Central banks and financial authorities
Development partners and DFIs
FMI operators
Financial institutions and payment providers
Prime contractors and implementation partners