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Domain specialists

Payments & Open Banking

Payment systems don’t forgive design mistakes. We architect PSD2 and Open Banking platforms, real-time payment systems and modernisation programmes — with the domain depth that only comes from delivering inside Tier 1 banks.

Capabilities

Where we operate

Open Banking API Platforms

PSD2-compliant API architectures connecting banks, fintechs and third-party providers — consent management, security models, versioning and developer experience designed for scale and scrutiny.

Real-Time Payments

Architecture for real-time processing across Faster Payments and the New Payments Architecture (NPA) — throughput, resilience, idempotency and reconciliation designed in from the start.

Payments Modernisation

Target-state design and phased migration off legacy payment engines — without betting the bank on a big-bang cutover. Coexistence strategies that keep payments flowing throughout.

Fintech Platform Design

For fintechs selling into banks: platforms designed to pass bank-grade due diligence on security, resilience and compliance — often the difference between winning and losing the enterprise deal.

Credibility

Built by people who’ve carried the pager

Payments expertise can’t be learned from a whitepaper. Our designs reflect two decades of systems that process real transactions under real regulatory scrutiny.

  • Delivery experience inside Tier 1 banks including HSBC and Lloyds
  • Deep working knowledge of PSD2, Open Banking standards and NPA
  • Architecture that anticipates the regulator’s questions, not just the happy path
  • Increasingly: AI-augmented payments operations — fraud triage, reconciliation, servicing

Typical engagements

  • Open Banking / PSD2 platform architecture and delivery
  • Payments modernisation target-state and roadmap
  • Independent review of a payments vendor or programme
  • Fintech platform design for bank-grade due diligence
  • AI opportunity assessment for payments operations

Planning a payments platform?

Talk to an architect who has delivered one. Thirty minutes, no sales pitch.

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