Bonita FMI Advisory provides independent strategic and technical advisory to central banks, governments, development finance institutions, payment system operators, banks, and fintechs modernising financial market infrastructure. We sit on the buyer's side of the table: vendor-neutral, aligned only to your mandate, from policy and ecosystem design through procurement, implementation governance, and operational readiness.
Ten practice areas spanning the full lifecycle of financial market infrastructure, from national strategy through governance, delivery, and certification.
National payment system strategy, FMI assessments, ecosystem modernisation, digital payments roadmaps, inclusion strategy, regulatory reform, and institutional capacity.
Instant Payment Systems, national switch programmes on ISO 8583 and ISO 20022, ACH and RTGS, QR and request-to-pay, cross-border payments, retail modernisation, and scheme governance.
Digital identity integration, G2P and P2G payments, public sector payment digitisation, digital wallets, and inclusive payment ecosystems.
Bank and mobile money interoperability, fintech integration, API strategy, ISO 20022 migration, interoperable QR, Open Banking readiness, and cross-border and cross-network interoperability.
Solution architecture review, vendor evaluation, technical due diligence, enterprise integration, gateway and ISO 8583 and ISO 20022 switching architecture, and card management platforms.
EMV and ISO 8583 implementation, issuing and acquiring, contactless and QR acceptance, tokenisation, merchant acquiring, digital wallets, and payment acceptance infrastructure.
Operating models, scheme rules, participation criteria, settlement governance, risk frameworks, business continuity, and stakeholder governance.
Payment systems legislation, regulatory and oversight frameworks, licensing models, PCI DSS readiness, payment security, and AML and CFT considerations.
Programme leadership, PMO advisory, vendor management, benefits realisation, delivery assurance, independent quality assurance, and executive reporting.
EMV and scheme certification, ISO 8583 and ISO 20022 message testing, switch testing, end-to-end and integration testing, UAT management, and production readiness assessments.
Advisory grounded in practical implementation, combining strategic insight with technical depth across the full lifecycle of financial market infrastructure.
Executive-level advisory experience
National payment infrastructure expertise
Financial inclusion programme leadership
Strong understanding of regulatory environments
Vendor-neutral, independent advisory
End-to-end delivery experience
On the buyer's side of the table: an independent, vendor-neutral partner working solely in your interest, so procurement, evaluation, and assurance stay objective.
Retail card and acquiring, mobile money and digital wallets, mobile and digital banking, inclusive instant payment systems, QR payments, ISO 8583 and ISO 20022 messaging, and cross-border payments
Expertise spanning strategy, architecture, implementation, and operational readiness
Bonita FMI Advisory supports the institutions that design, operate, fund, and regulate national payment ecosystems.
Ways Bonita supports clients, from diagnostics and strategy to programme assurance and executive training.
An independent Financial Market Infrastructure advisory practice that sits on the buyer's side of the table, helping governments, regulators, financial institutions, and development partners design, govern, and implement resilient, secure, and inclusive financial market infrastructures that support economic growth and digital transformation. We work solely in our clients' interest, as an independent, vendor-neutral partner.
Tell us where the programme stands. We will tell you, plainly and independently, what it will take to deliver it.