Payments Projects

Just Say the Word, We Can Do it all!

Expert Business Consultancy for Thriving Companies

Transform Your Business with Counsulthinx

At Consultinx, our team of experienced consultants is dedicated to helping businesses, financial institutions, and government organizations navigate the rapidly evolving payments landscape. With our deep understanding of the industry and a strong focus on innovation, we provide a wide range of services to support our clients’ needs.

Open Banking Projects

Partner with our team to develop and implement open banking initiatives that promote API-driven financial services and innovation.

Consultinx is a trusted partner in the implementation of open banking projects, offering comprehensive consulting and technical expertise to help financial institutions, fintechs, and other stakeholders navigate the complexities of open banking adoption. Our team of experienced consultants works closely with clients to design, develop, and deploy open banking solutions that foster innovation, enhance customer experience, and comply with regulatory requirements.

Open Banking Strategy and Planning

We collaborate with clients to create tailored open banking strategies and roadmaps that align with their business objectives, technology capabilities, and regulatory compliance requirements. Our consultants provide guidance on best practices for defining the scope of open banking services, identifying potential partners, and establishing performance metrics to measure success.

Regulatory Compliance and Risk Management

We help clients navigate the complexities of open banking regulations, such as PSD2, GDPR, and other regional requirements, ensuring compliance with the necessary legal frameworks. Our team provides guidance on risk assessment, data privacy, and security controls to protect customer data and minimize potential vulnerabilities.

API Development and Integration

We assist clients in designing, developing, and implementing robust API platforms that enable secure and seamless data sharing between financial institutions, fintechs, and other stakeholders. Our consultants provide guidance on best practices for API standardization, documentation, and testing, ensuring interoperability and scalability across the open banking ecosystem.

Data Governance and Security

We collaborate with clients to establish strong data governance and security policies that safeguard customer data and build trust among open banking participants. Our team provides guidance on best practices for data classification, access control, encryption, and secure API communication.

Partner Onboarding and Ecosystem Development

We help clients identify, evaluate, and onboard strategic partners to expand their open banking ecosystem, fostering innovation and driving new revenue opportunities. Our consultants provide guidance on best practices for partner selection, due diligence, and contractual agreements, ensuring mutually beneficial relationships.

Customer Experience and Engagement

We assist clients in designing user-centric open banking experiences that enhance customer satisfaction, trust, and loyalty. Our team provides guidance on best practices for user interface design, consent management, and seamless integration of third-party services within existing digital banking platforms.

Capacity Building and Training

We offer customized training and capacity-building programs to help clients develop the skills and expertise needed to effectively manage their open banking projects. Our courses cover a wide range of topics, including open banking strategy, regulatory compliance, API development, data governance, and customer experience.

Ongoing Support and Optimization

We provide ongoing support and optimization services to help clients monitor the performance of their open banking initiatives, identify areas for improvement, and implement enhancements as needed. Our consultants are available to provide insights on industry trends, emerging technologies, and best practices, ensuring the long-term success and sustainability of clients' open banking projects.

By partnering with Consultinx for open banking project expertise, financial institutions, fintechs, and other stakeholders can successfully navigate the complex open banking landscape, foster innovation, enhance customer experience, and unlock new business opportunities, while ensuring compliance with regulatory requirements and maintaining the highest standards of data security and privacy.

Digital Bank Fundamentals

Learn about our expertise in building digital banks from the ground up, focusing on technology, strategy, and customer experience.

Consultinx offers expert consulting services and support for the development and implementation of digital bank fundamentals. Our experienced team of consultants works closely with clients to establish a strong foundation for digital banking operations that enhance customer experience, streamline processes, and ensure regulatory compliance.

Digital Banking Strategy and Planning

We collaborate with clients to develop a comprehensive digital banking strategy and roadmap that align with their business objectives and market opportunities. Our consultants provide guidance on best practices for selecting the right digital banking services, prioritizing feature development, and establishing performance metrics to measure success.

Regulatory Compliance and Risk Management

We help clients navigate the complex regulatory landscape for digital banks, ensuring compliance with local and international regulations such as Basel III, PSD2, GDPR, and other relevant standards. Our team provides guidance on risk assessment, data privacy, and security controls to protect customer data and maintain a robust risk management framework.

Digital Banking Platform Design and Implementation

We assist clients in designing and implementing scalable, user-friendly digital banking platforms that support a wide range of services, including account opening, payments, lending, and investment management. Our consultants provide guidance on best practices for selecting and deploying the most appropriate technologies, tools, and methodologies to achieve a seamless customer experience.

Integration with Core Banking Systems

We collaborate with clients to ensure seamless integration of their digital banking platforms with existing core banking systems, enabling real-time data exchange and streamlined processes. Our team provides guidance on best practices for data mapping, data transformation, and API management to ensure interoperability and maintain data integrity.

Cybersecurity and Fraud Prevention

We help clients implement robust cybersecurity and fraud prevention measures to protect their digital banking platforms from potential threats and vulnerabilities. Our consultants provide guidance on best practices for securing customer data, implementing multi-factor authentication, and deploying advanced analytics for fraud detection and prevention.

Digital Customer Experience and Engagement

We assist clients in designing intuitive, user-centric digital banking experiences that drive customer satisfaction, trust, and loyalty. Our team provides guidance on best practices for user interface design, personalization, and seamless integration of third-party services within the digital banking platform.

Capacity Building and Training

We offer customized training and capacity-building programs to help clients develop the skills and expertise needed to effectively manage their digital banking operations. Our courses cover a wide range of topics, including digital banking strategy, regulatory compliance, platform design and implementation, cybersecurity, and customer experience.

Ongoing Support and Optimization

We provide ongoing support and optimization services to help clients monitor the performance of their digital banking operations, identify areas for improvement, and implement enhancements as needed. Our consultants are available to provide insights on industry trends, emerging technologies, and best practices, ensuring the long-term success and sustainability of clients' digital banking efforts.

By partnering with Consultinx for digital bank fundamentals expertise, financial institutions can successfully launch and scale their digital banking operations, deliver exceptional customer experiences, and unlock new revenue opportunities, while ensuring compliance with regulatory requirements and maintaining the highest standards of data security and privacy.

Payments Cryptology and Security

Leverage our knowledge in cryptography and security to protect your payment systems and transactions.

Consultinx provides comprehensive consulting services in the domain of payments cryptology and security, ensuring the protection of sensitive payment data, safeguarding customer information, and maintaining the highest levels of trust and compliance across payment ecosystems. Our team of experts works closely with clients to design, implement, and maintain secure payment systems.

Payment Security Strategy and Planning

We collaborate with clients to develop a tailored payment security strategy and roadmap that aligns with their business objectives, technology capabilities, and regulatory requirements. Our consultants provide guidance on best practices for selecting the appropriate encryption algorithms, key management processes, and secure communication protocols for payment systems.

Cryptographic Implementation

We assist clients in implementing robust cryptographic solutions that ensure the confidentiality, integrity, and authenticity of payment data. Our consultants provide guidance on the most effective encryption and decryption techniques, digital signature algorithms, and secure hashing functions to protect payment transactions from unauthorized access and tampering.

Tokenization and Data Masking

We help clients implement tokenization and data masking solutions that replace sensitive payment data, such as credit card numbers and account details, with unique tokens or masked data. This approach minimizes the risk of data breaches and reduces the scope of compliance with payment industry standards like PCI DSS.

Secure Payment Protocols and Standards

We collaborate with clients to ensure their payment systems adhere to secure payment protocols and industry standards, such as EMV, 3D Secure, and PCI DSS. Our team provides guidance on best practices for implementing these protocols, maintaining compliance, and integrating with other payment systems and networks.

Fraud Detection and Prevention

We help clients develop and implement advanced fraud detection and prevention mechanisms that leverage machine learning, artificial intelligence, and big data analytics to identify and prevent fraudulent payment activities in real-time. Our consultants provide guidance on best practices for monitoring, detecting, and mitigating payment fraud risks.

Key Management and Secure Storage

We assist clients in establishing robust key management processes and secure storage solutions for cryptographic keys, ensuring the highest levels of security and compliance. Our team provides guidance on best practices for key generation, distribution, storage, and rotation, as well as secure hardware solutions like hardware security modules (HSMs).

Incident Response and Recovery

We help clients design and implement effective incident response and recovery plans to minimize the impact of payment security breaches and ensure the rapid restoration of payment services. Our consultants provide guidance on best practices for incident detection, response, remediation, and reporting, as well as ongoing monitoring and improvement.

Training and Awareness

We offer customized training programs and capacity-building initiatives to help clients develop the skills and expertise needed to manage their payment security efforts effectively. Our courses cover a wide range of topics, including cryptology, secure payment protocols, fraud detection, and key management.

By partnering with Consultinx for payments cryptology and security expertise, financial institutions, merchants, and payment service providers can ensure the protection of sensitive payment data, maintain customer trust, and comply with industry standards and regulations, while delivering secure and seamless payment experiences.

Payments Cyber Security

Work with us to develop and maintain robust cybersecurity measures for your payment infrastructure and processes.

Consultinx offers a comprehensive suite of consulting services for payments cyber security, helping clients develop and maintain secure payment systems that protect sensitive data, uphold customer trust, and ensure regulatory compliance. Our team of cyber security experts works with financial institutions, merchants, and payment service providers to safeguard their payment infrastructure and minimize the risk of cyber threats.

Cyber Security Assessment and Strategy

We collaborate with clients to assess their current payment security posture, identify vulnerabilities, and develop a tailored cyber security strategy that aligns with their business objectives, technology capabilities, and regulatory requirements. Our consultants provide guidance on best practices for securing payment systems, networks, and applications.

Security Architecture Design and Implementation

We assist clients in designing and implementing a robust security architecture for their payment systems, ensuring the confidentiality, integrity, and availability of payment data. Our consultants provide guidance on best practices for network segmentation, data encryption, secure coding, and access control management.

Compliance and Risk Management

We help clients navigate the complex regulatory landscape of the payments industry, ensuring compliance with standards such as PCI DSS, GDPR, and other relevant regulations. Our team provides guidance on risk assessment, mitigation strategies, and implementing security controls to maintain a robust risk management framework.

Threat Intelligence and Monitoring

We collaborate with clients to establish an effective threat intelligence and monitoring program that identifies and responds to emerging cyber threats and vulnerabilities in real-time. Our consultants provide guidance on best practices for implementing security information and event management (SIEM) systems, intrusion detection systems (IDS), and incident response processes.

Fraud Detection and Prevention

We help clients develop and implement advanced fraud detection and prevention mechanisms that leverage machine learning, artificial intelligence, and big data analytics to identify and prevent fraudulent payment activities in real-time. Our consultants provide guidance on best practices for monitoring, detecting, and mitigating payment fraud risks

Incident Response and Recovery

We assist clients in designing and implementing effective incident response and recovery plans to minimize the impact of payment security breaches and ensure the rapid restoration of payment services. Our consultants provide guidance on best practices for incident detection, response, remediation, and reporting, as well as ongoing monitoring and improvement.

Employee Training and Awareness

We offer customized training programs and capacity-building initiatives to help clients develop the skills and expertise needed to effectively manage their payment cyber security efforts. Our courses cover a wide range of topics, including cyber security best practices, regulatory compliance, secure coding, and fraud detection.

Third-Party Risk Management

We help clients assess and manage the cyber security risks associated with third-party payment providers, such as payment gateways, processors, and other vendors. Our consultants provide guidance on best practices for conducting third-party risk assessments, establishing secure communication channels, and monitoring third-party security performance.

By partnering with Consultinx for payments cyber security expertise, clients can ensure the protection of sensitive payment data, maintain customer trust, and comply with industry standards and regulations, while delivering secure and seamless payment experiences.

EMV Standards

Partner with our team to ensure compliance with EMV standards and implement secure payment solutions.

Partner with our team to ensure compliance with EMV standards and implement secure payment solutions.

EMV Strategy and Planning

We collaborate with clients to develop a tailored EMV strategy and roadmap that aligns with their business objectives, technology capabilities, and regulatory requirements. Our consultants provide guidance on best practices for implementing EMV standards, including chip card issuance, terminal integration, and back-end processing.

EMV Migration and Implementation

We assist clients in migrating their existing payment systems to EMV-compliant infrastructure, ensuring a smooth and secure transition. Our consultants provide guidance on selecting the appropriate EMV card products, integrating EMV-enabled point-of-sale (POS) terminals, and managing the EMV certification process.

Terminal Integration and Testing

We work with clients to ensure their POS terminals and other payment devices are properly integrated with EMV standards, enabling secure, chip-based transactions. Our consultants provide guidance on terminal configuration, end-to-end transaction testing, and troubleshooting common integration issues.

EMV Certification Support

We help clients navigate the complex EMV certification process, ensuring their payment systems comply with industry standards and maintain the highest levels of security. Our team provides guidance on preparing for certification, managing the certification process, and addressing any issues that may arise during testing.

Training and Capacity Building

We offer customized training programs and capacity-building initiatives to help clients develop the skills and expertise needed to effectively manage their EMV compliance efforts. Our courses cover a wide range of topics, including EMV fundamentals, terminal integration, transaction processing, and certification.

Fraud Mitigation and Risk Management

We collaborate with clients to develop strategies for mitigating the risk of fraud in EMV-enabled payment environments, ensuring the continued protection of sensitive payment data and upholding customer trust. Our consultants provide guidance on best practices for fraud detection, prevention, and response.

Ongoing EMV Compliance

We work with clients to maintain their EMV compliance, keeping their payment systems up-to-date with the latest industry standards and best practices. Our team provides guidance on managing EMV updates, addressing new security threats, and adapting to evolving regulatory requirements.

By partnering with Consultinx for EMV standards expertise, financial institutions, merchants, and payment service providers can ensure the security and compliance of their payment systems, reduce the risk of fraud, and deliver secure, seamless card-present payment experiences to their customers.

Retail Banking

Collaborate with us to optimize your retail banking operations, focusing on digital transformation and customer-centric strategies.

Consultinx offers a wide range of consulting services to support retail banks in addressing the challenges and opportunities of today’s dynamic financial landscape. Our team of banking experts partners with financial institutions to develop and implement innovative strategies, enhance operational efficiency, and deliver exceptional customer experiences.

Digital Transformation and Innovation

We collaborate with retail banks to develop and implement digital strategies that drive innovation and enhance customer engagement. Our consultants provide guidance on adopting new technologies, such as mobile banking, digital wallets, and online platforms, to streamline processes and improve the customer experience.

Customer Experience and Service Design

We work with retail banks to design and optimize customer-centric products and services, ensuring exceptional experiences across all touchpoints. Our consultants provide guidance on best practices for customer journey mapping, service design, and user experience (UX) optimization.

Branch Transformation and Channel Strategy

We assist retail banks in reimagining their branch networks and channel strategies to stay competitive in the digital age. Our team provides guidance on branch design, location optimization, and omni-channel integration, ensuring seamless customer experiences across physical and digital touchpoints.

Regulatory Compliance and Risk Management

We help retail banks navigate the complex regulatory environment and manage risks effectively. Our consultants provide guidance on implementing robust compliance programs, assessing and mitigating risks, and staying up-to-date with evolving regulatory requirements.

Operational Efficiency and Process Improvement

We collaborate with retail banks to optimize their operational processes, reducing costs and improving efficiency. Our team provides guidance on best practices for process mapping, automation, and workflow optimization, as well as strategies for cost reduction and resource management.

Sales and Marketing Strategy

We work with retail banks to develop and implement data-driven sales and marketing strategies that drive growth and customer acquisition. Our consultants provide guidance on customer segmentation, targeted marketing campaigns, and salesforce effectiveness.

Data Analytics and Customer Insights

We assist retail banks in harnessing the power of data analytics to gain actionable insights, improve decision-making, and drive performance. Our team provides guidance on best practices for data collection, analysis, and visualization, as well as strategies for leveraging customer insights to inform business decisions.

Workforce Planning and Talent Management

We collaborate with retail banks to develop effective workforce planning and talent management strategies, ensuring they have the right skills and expertise to meet their business objectives. Our consultants provide guidance on recruitment, retention, and employee engagement, as well as strategies for upskilling and reskilling staff.

By partnering with Consultinx for retail banking expertise, financial institutions can navigate the challenges and opportunities of the rapidly evolving financial landscape, drive innovation, and deliver exceptional customer experiences that foster growth and long-term success.

PCI/DSS Standards

Ensure compliance with PCI/DSS standards and protect sensitive payment card information with our guidance and support.

Consultinx provides comprehensive consulting services to help organizations comply with the Payment Card Industry Data Security Standard (PCI DSS). Our team of experts partners with businesses to implement and maintain robust security measures that protect cardholder data and reduce the risk of data breaches.

PCI DSS Compliance Assessment

We perform thorough assessments of your organization's current security posture, identifying gaps in compliance with PCI DSS requirements. Our consultants provide guidance on addressing these gaps and developing a roadmap for achieving and maintaining PCI DSS compliance.

Security Policy Development and Implementation

We collaborate with your organization to develop comprehensive information security policies and procedures that align with PCI DSS requirements. Our consultants provide guidance on best practices for policy development, implementation, and ongoing maintenance.

Network Security and Segmentation

We assist organizations in designing and implementing secure network architectures that protect cardholder data from unauthorized access. Our team provides guidance on best practices for network segmentation, firewall configuration, and intrusion detection and prevention systems (IDPS).

Encryption and Key Management

We help organizations implement robust encryption and key management solutions to safeguard sensitive cardholder data. Our consultants provide guidance on selecting and deploying encryption technologies, managing cryptographic keys, and ensuring compliance with PCI DSS requirements for data protection.

Vulnerability Management and Penetration Testing

We work with organizations to establish comprehensive vulnerability management programs, ensuring the timely identification and remediation of security vulnerabilities. Our team provides guidance on best practices for vulnerability scanning, penetration testing, and risk assessment.

Incident Response Planning and Management

We collaborate with organizations to develop and implement robust incident response plans, ensuring they are prepared to effectively manage and recover from security incidents. Our consultants provide guidance on best practices for incident response, including communication, containment, and recovery strategies.

Training and Awareness Programs

We offer customized training programs and awareness initiatives to help organizations develop the skills and expertise needed to effectively manage their PCI DSS compliance efforts. Our courses cover a wide range of topics, including PCI DSS fundamentals, security best practices, and compliance management.

Ongoing PCI DSS Compliance Monitoring and Reporting

We partner with organizations to maintain their PCI DSS compliance, ensuring their security measures remain up-to-date and effective. Our team provides guidance on managing compliance updates, addressing new security threats, and adapting to evolving regulatory requirements.

By partnering with Consultinx for PCI DSS compliance expertise, organizations can effectively protect sensitive cardholder data, reduce the risk of data breaches, and maintain compliance with industry standards and regulations.

We strive to make our clients happy

So, let's be happy together