Our services

A niche consultancy practice offering specialist support to the payments industry

Integration, migration, product launch and change

Discovery & gap analysis, requirements definition and delivery
- Lead or support your teams through the project lifecycle, including: discovery phases, requirements specification, system configuration and development, testing and deployment.
Environment configuration
- Utilise experience of numerous industry product solutions to provide insight and guidance in how best to configure systems across the enterprise.
Data migration
- Drive system to system data mapping that ensures the safe transfer of your customer, account and transactional data throughout the migration lifecycle, covering: mock, dress rehearsal and go-live events.
Testing
- Manage and execute testing for: System Integration, Functional, Non-Functional, User Acceptance, Pavement, Live Proving, and much more.

Card processing subject matter expertise

System configuration
- Recommend and implement best in class configuration to optimise systems that support your business model and align with strategy.
Data structures
- Provide expert knowledge for real-time and batch integration between core processing systems, app, web, CRM, data warehouse, operational data store and reporting.
Data processing
- Leverage specialist knowledge of leading & renowned industry system’s back-end processing, in addition to quickly learning internal client solutions processing that both enable accurate solution designs and efficiencies with development & delivery timelines. This detailed understanding also supports the broader business in mitigating risk for remediation efforts, incident investigation and testing support.
Interfaces & data exchange
- Recommend, specify and support the development and testing of real-time and batch file integration solutions with all systems and partners involved in your ever-maturing tech landscape.
Incident & remediation management
- Provide unparalleled issue analysis, management and remediation guidance & execution. Many of the team members have a strong background in this area; they always remain calm during a crisis and provide thought-out solutions.

Payment industry ecosystem expertise

Payment schemes & network rails
- Provide a knowledgeable team across Debit & Credit network messaging (single/dual), closed-loop/on-us solutions, STIP, payment gateway formats and policies, and with the ability to offer network & payment scheme compliance assessments including delivery of any necessary change.
Issuing solutions
- Offer expertise across the Card and Payment value chain, including:
  - Channel & Brand Management
  - Acquisition & Onboarding
  - Risk & Underwriting
  - Fraud detection & prevention; KYC, AML & Sanctions/PEP screening
  - Authorisation, Settlement & Transaction Processing
  - Finance & Reconciliation
  - Loyalty, Rewards, Promotions & Insurance
  - Output Services; Card, PIN Statement, Correspondence, Print production
  - Payment Gateway solutions; BACS, FPS, SEPA
  - Credit Bureau Reporting
  - Collections & Debt Recovery
  - Portfolio Management tools; Triad, Powercurve
  - Servicing; Telephony, IVR, CRM, Contact Centre
  - Digital; App, Web, IoT, Open Banking
  - Data Warehousing, Reporting & Analytical tools
Local compliance & law
- Our team have worked on numerous mandatory projects to help satisfy compliance with local authority policy, regulation and law, incorporating CCA, CONC and PSD2 for the UK and EEA, and more.

Project & programme delivery

Project & implementation management
- Provide management of the overall programmes, projects and the underlying workstreams. Our team can quickly and effectively engage at any point in the change lifecycle, from inception through to delivery, and utilise the business preferred project methodology, be it: all types of Agile, Waterfall, Hybrid, a ‘DIY’ approach or any other.
Governance framework
- Ensure there is a clear understanding and oversight of the expectations for each participating business area, the objectives, performance, risk appetite, and reporting requirements, and that these are made available regularly in concise and consistent methods to both those at the Operational level and Senior Management.
Quality assurance & test fulfilment
- Supply a full suite of testing capabilities, from test scoping and management, down to execution and delivery.
Defect management
- Identify, triage and manage any defects, performing root cause analysis and proposing fixes. Management of, or contribution to, regular reporting and escalating any risks into relevant governance channels.

Optimisation programmes

Revenue enhancements and initiatives
- Find potential opportunities to increase profit margin, in areas such as:
  - Promotion strategy, execution & refinement
  - Customer & product pricing reviews
  - Loyalty programs
  - Cost saving initiatives
  - Product proposition assessment
Continuous Improvement
- Review processes, strategies & documents to deliver change that drives improved efficiency and adherence to business rules, for example in:
  - Operational processes
  - Collections strategies
  - Customer communication
  - Terms & conditions
Enhance the use of automation
- Increase productivity by removing manual, repeatable processes through:
  - Analysis to identify suitable candidates
  - Delivery of automation
    - Market product assessment
    - Bespoke tool creation and continued support
  - User guide and training distribution
  - Efficiency metric reporting

If you think we can help with your project, get in touch. We’d love to hear from you.

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