SERVICES

Core service areas

Eleven practice areas spanning the full lifecycle of financial market infrastructure, from national strategy through governance, delivery, and certification. Select a category to see what it covers.

We help you decide what your national payment ecosystem should look like and chart a realistic path to get there, before major funds are committed. We work at the level where policy, funding and technology meet, so the strategy you approve is one your market can actually deliver.

WHAT WE COVER
  • National payment system strategy and FMI assessments
  • Ecosystem modernisation and digital payments roadmaps
  • Financial inclusion strategy
  • Regulatory reform and institutional capacity development
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Design and delivery of the core rails a country runs on, from instant payments to RTGS, built to scale, include everyone, and govern well. From scheme design to switch delivery, we bring the operator's discipline and the participant's perspective to every decision.

WHAT WE COVER
  • Instant Payment Systems and national switch programmes
  • ISO 8583 and ISO 20022, ACH and RTGS
  • QR, request-to-pay, and cross-border payments
  • Retail modernisation and scheme governance
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Connecting payments to digital identity and government services, so public services and social transfers actually reach people. The result is public infrastructure that serves citizens first, and rails that private innovation can build on.

WHAT WE COVER
  • Digital identity integration
  • G2P and P2G payments
  • Public sector payment digitisation
  • Digital wallets and inclusive payment ecosystems
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Making banks, mobile money, and fintechs work as one network, so money moves seamlessly across providers, schemes, and borders. We design the standards, commercial models and governance that make interoperability work in practice, not just on paper.

WHAT WE COVER
  • Bank and mobile money interoperability, fintech integration
  • API strategy and Open Banking readiness
  • ISO 20022 migration and interoperable QR
  • Cross-border and cross-network interoperability
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Independent technical judgement on what to buy, what to build, and how it all fits together, with no vendor bias. Because we sell no technology, our recommendation is only ever the one that fits your market, your budget and your team.

WHAT WE COVER
  • Solution architecture review and technical due diligence
  • Vendor evaluation and enterprise integration
  • Gateway and switching architecture (ISO 8583 / ISO 20022)
  • Card management platforms
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Practical, end-to-end delivery of card and digital payment products, from issuing and acquiring to acceptance on the street. We have taken card and digital products from concept through certification to live acceptance across African markets.

WHAT WE COVER
  • EMV and ISO 8583 implementation, issuing and acquiring
  • Contactless and QR acceptance, tokenisation
  • Merchant acquiring and digital wallets
  • Payment acceptance infrastructure
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The rules, roles, and risk controls that keep a payment system trusted, fair, and resilient as it grows. Good governance is what keeps a system trusted long after the launch headlines fade.

WHAT WE COVER
  • Operating models, scheme rules, participation criteria
  • Settlement governance and risk frameworks
  • Business continuity
  • Stakeholder governance
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Legal and regulatory frameworks and readiness, so your system is compliant, secure, and licensable from day one. We translate regulatory expectations into practical controls your teams can operate every day.

WHAT WE COVER
  • Payment systems legislation and oversight frameworks
  • Licensing models
  • PCI DSS readiness and payment security
  • AML and CFT considerations
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Executive-grade programme leadership that keeps vendors accountable, budgets honest, and delivery on track. We have led national programmes to go-live and know where delivery goes wrong before it does.

WHAT WE COVER
  • Programme leadership and PMO advisory
  • Vendor management and benefits realisation
  • Delivery assurance and independent quality assurance
  • Executive reporting
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Independent verification that everything works, before you go live, not after. Evidence at every gate, so your go-live decision is defended by proof rather than promises.

WHAT WE COVER
  • EMV and scheme certification
  • ISO 8583 and ISO 20022 message testing, switch testing
  • End-to-end, integration testing and UAT management
  • Production readiness assessments
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Payment rails only create value when small businesses can use them. We help banks, mobile money operators, and fintechs turn infrastructure into merchant reach and MSME growth. Infrastructure only creates value when the smallest business on the street can use it.

WHAT WE COVER
  • QR and low-cost merchant acceptance strategy and acquiring economics
  • Agent and merchant network design, onboarding, and liquidity management
  • MSME account propositions: instant opening, tiered KYC, and biometric onboarding
  • Payments-data-driven MSME credit rails and embedded finance design
  • Integration and certification support for MSME-focused fintechs and PSPs
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READY TO TRANSFORM YOUR FINANCIAL SYSTEMS?

Let's build the infrastructure for a more inclusive and resilient future.

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