Four weeks
Diagnostic
A four-week engagement with a fixed scope and a fixed deliverable. You get the findings, the sequence, and the documentation to act on them, whether or not you continue with us.
Advisory
Strategic counsel to founders, COOs, CTOs, and programme directors re-platforming, expanding, innovating or making the transition to an agentic enterprise. Backed by thirty years in regulated markets, and sized to the business in front of us.
What We Build
Frameworks and operating models to succeed in the agentic, payments, transformation and regtech worlds.
Agentic
Operating models for autonomy: where it pays, where it must stay human, and the governance gates in between.
Payments
Scheme design, licensing, instant settlement, and cross-border rails, from application through to live volume.
Transformation
Core modernisation across cloud, legacy stacks, data pipelines, and the operating model that has to carry them.
Regtech
Controls, evidence, and reporting built so that supervisory scrutiny is a routine event rather than a programme.
Ways to Start
Engagements are sized to the need. There is no problem too small.
Fractional
Fractional Officer
We take the Chief Product Officer, Chief Technology Officer or Chief Transformation Officer seat on a fractional basis. For smaller firms that need the judgement without the permanent hire.
End to end
Full Programme
Diagnostic through to build, delivery and evidenced closure, with our agentic accelerators available to carry the operational load.
The person you meet is the person who does the work.
Advisory Engagements
Problem-Finding & Diagnostic
Pinpointing structural bottlenecks, risk concentrations, and operational drag before capital is allocated.
Remediation & Governance
Re-engineering legacy operating models to meet regulatory, audit, and supervisory expectations through to evidenced closure.
Build & Architecture
Designing the operating frameworks, engineering specifications, and agentic workflows required to scale.
Go-to-Market Execution
Commercialising next-generation payments and tech infrastructure under live market pressure.
Client Case Studies
Shared with client consent. All other engagements are confidential.
Revenue assurance
Veritas Contract to Cash
Delivered for The Panna Partnership (UK) and Inovantra Inc. (USA)
Identifies and fixes revenue leakage: money earned but uncollected. Specified to RFC 2119 grade, with numbered requirements and signed client verification.
Supply chain finance
Ramsun Networks
Strategic advisor
A digital e-marketplace connecting large corporations, small and medium enterprises, and financial institutions, to provide supply chain finance and working capital solutions.
Payments
Intelligent Payment Routing
Delivered for Fable Fintech
AI-driven transaction routing that evaluates multiple payment paths across fees, FX rates and liquidity availability, to identify the optimised payment path automatically. A valuable tool for high-volume payment factories.
Executive education
The Meridian Bank Casebooks
Piloted at Bayes Business School, London
Six connected case studies inside a fictional mid-tier UK retail bank: one cast, one balance sheet, one continuous timeline, and six board-level strategic decisions. The Stablecoin case was piloted at Bayes Business School in 2026.
Working Alongside You
This is us, with you, in the room.
Product and proposition
Product strategy, innovation and design. Propositions usually stall because nobody has decided what the product will refuse to do. We set that boundary first, then design within it.
Technology and AI
Technology strategy, AI strategy, automation and adoption. The hard part is rarely choosing a model. It is deciding which processes should become autonomous, which stay under human sign-off, and how you evidence the difference to an auditor.
Payments and digital money
Payments strategy, and stablecoin strategy for firms working out whether digital money changes their economics or only their roadmap. Scheme choice, settlement, licensing, and the order in which a regulator will accept them.
Both sides of the table
We run technology and solution procurements for buyers, and we write the responses for sellers. Having sat on both sides, we know how a bid is actually scored, and we design client solutions so your product answers the need in front of it rather than the one in your brochure.
Education and platform
Executive education, seminars and keynotes. Boards are being asked to govern technology they have had no time to learn. We teach it in their language, using cases drawn from real balance sheets.
Delivery Standard
Engagements are delivered in strict confidence across public and private sectors.
We aim to meet your governance standards, and will upgrade them where required. We will build out the documentation and the operating model for you to adopt and run with.
We preach what we practice
We run our operations on our own agentic operating layer. Our products are managed and continuously improved by Ekadant, our code is assured by Bugrit, and our customer service is managed by CX Wala. Our treasury insights come from Kosagar, and our revenue assurance from Veritas. We use the London Higher Education Academy for our own employee training.
When we join you to solve your strategy or execution challenges, we know we have solved something like it, either here or in the work with the biggest banks in the world. We will apply the same honesty and rigour to your unique situation.
Assessment
Identifying high-leverage domains for operational autonomy and isolating areas requiring explicit human governance.
Sequence
Defining the architectural roadmap and the prerequisite governance gates before each operational layer is transitioned.
Delivery
Integrating the accelerators, deployed as standalone tools or as an end-to-end operating layer.
Domains
- Banks and financial services: front, middle, and back-office programmes across specialist lenders, challengers, and tier-one institutions alike.
- Fintech and payments: scheme design, regulatory licensing, instant settlement, and cross-border payment rails.
- Digital currency and tokenisation: CBDC programmes, commercial tokenised assets, and settlement architecture.
- Technology transformation: core modernisation across cloud, legacy stacks, data pipelines, and operating models.
- Regulatory remediation: corrective programmes delivered directly to supervisor expectations.
- Product development: technical design, architecture, and production rollout.
- Brand and market strategy: positioning and go-to-market advisory for regulated institutions.
- Public sector: strategic counsel to central bodies and local authorities on policy execution and technology procurement.
- Executive education: Executive Leadership and EMBA teaching delivered through case studies.
Publications and Speaking
Selected public domain thought leadership:
- Evolving consumer expectations and the future of digital banking (Journal of Digital Banking)
- Fast-Track Treasury: Making the Most of Digital Business Models (Treasury Management International)
- New Europe Awakens: A Fresh Look at Post-Brexit Treasury (Treasury Management International)
- The importance of technology in evolving treasury objectives (Association of Corporate Treasurers)
Keynotes, panels, and lectures: HM Treasury, British Retail Consortium, iGTB Oxford School of Transaction Banking, PAY360, ACT, Coconet, and Financial Crime 360.