Harmonising the complexity of network specs.
A cross-regional payment processor consolidating decades of divergent processing rules, message formats, and documentation across Authorisation, Clearing & Settlement, and Disputes.
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Case studies
Selected work.
A selection of engagements across payment networks, card programs, digital identity, EMV 3-D Secure, mobility, and consumer credit. Each is a window into how we work — and the kind of problems we close.
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Digital mortgage origination.
Designing and launching an Execution-Only digital mortgage product for a multinational financial institution, in compliance with European regulations.
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Card payments strategy.
Helping an investment bank launch digital retail banking with a complete card product portfolio — debit / credit, plus Apple Pay, Google Pay, and Samsung Pay.
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Delegated authentication framework for a payment network.
Defining the strategy and the multilateral legal framework that lets a regional payment network minimise SCA friction while preserving 3-D Secure benefits.
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Consumer credit origination.
Building the digital onboarding, API, and fraud-prevention core of a European Buy-now-pay-later platform — now serving thousands of customers and merchants 24×7.
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API service portfolio.
A market scan, scoring matrix, and prioritised backlog that turned a financial institution's API strategy into a defensible, re-usable framework.
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EMV 3-D Secure service collateral.
Implementation guides, certification manuals, sales collateral, and operational documentation for a large processor's EMV 3-D Secure service suite.
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EMV 3-D Secure implementation for a card issuer.
Training, business requirements, authentication / authorisation rules, and ongoing support for a card issuer launching e-commerce acceptance.
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Payments in EV charging.
An ecosystem analysis, policy gap assessment, and updated rules / regulations / implementation guide that gave a regional payment network a foundation for mobility programs.
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