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Payments Strategy
Advisory

Strategic advisory for financial institutions navigating payments modernisation — from real-time scheme participation and open banking strategy to operating model design and M&A due diligence.

Real-Time PaymentsOpen BankingDigital WalletsFaster PaymentsSEPA InstantFedNow / RTP
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Strategy Framework

Payments Strategy Map

Click to expand fullscreen. The strategy map shows the six pillars of a comprehensive payments strategy — from real-time scheme adoption to M&A advisory.

PAYMENTSSTRATEGYReal-TimePaymentsFPS / SEPA / FedNowOpen BankingAPI StrategyPSD3 / TPPDigital WalletsTokenisationApple / Google PayPlatformInvestmentBuild / Buy / PartnerRevenueOptimisationInterchange / FeesM&A AdvisoryDue DiligencePlatform RationalisePayments Strategy Framework — Proximo Consultancy
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Strategy Areas

Where We Add Value

Payments Modernisation Roadmap

Development of a multi-year payments infrastructure modernisation roadmap — sequencing platform migrations, scheme upgrades, regulatory programmes, and digital channel investments.

Real-Time Payments Strategy

Strategy for participation in real-time payment schemes — NPP, Faster Payments, SEPA Instant, FedNow, RTP, and regional instant payment rails. Includes business case development and technical readiness assessment.

Open Banking & API Strategy

Open banking participation strategy, PSD2/PSD3 compliance roadmap, and API gateway architecture advisory. We help institutions move from compliance to competitive advantage.

Digital Payments Strategy

Strategy for digital wallet integration, EMV Payment Tokenisation, buy-now-pay-later, and alternative payment method acceptance. Covers both issuing and acquiring perspectives.

Payments Operating Model

Design of the target payments operating model — insource vs outsource decisions, centre of excellence design, vendor management frameworks, and capability development plans.

M&A Payments Due Diligence

Payments infrastructure due diligence for mergers, acquisitions, and carve-outs — platform assessment, integration complexity analysis, and post-merger integration planning.

Shape Your Payments Future

Independent strategic advice from practitioners who understand payments infrastructure from the inside.

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