Growing Together: Your Partner in Card Business and Digital Payments.
We help financial institutions and fintechs build and scale profitable card issuing and acquiring businesses specialized for emerging markets.
KPEM Consulting is a specialized boutique advisory firm focused on the card business and digital payments.
Founded by seasoned industry experts with over 20 years of experience at a German banking group operating across three continents, KPEM brings deep expertise in Latin America, Africa, and Southeastern Europe.
We support financial institutions and fintechs in launching and scaling card programs and acquiring services—from POS and e-commerce to ATM and Tap on Phone— built from the ground up.
We believe consulting is not just about advising—it’s about working together to deliver and bring ideas to life.
Our Mission is to Empower our Clients through Knowledge in Payments!
KPEM – Knowledge in Payments, Empowerment as Mission
Our approach towards our clients
We don’t just advise —we make it happen!
Core Expertise
Card issuing & acquiring (POS, e-commerce, ATM, Tap on Phone) strategy
Profitability analysis and card scheme optimization
Business consulting and requirements engineering
Digital banking, Embedded Finance and Cross-Border strategy
Core banking and system optimization
Why Choose Us
International experience across 3 continents
Deep expertise in digital payments & transformation
A network of trusted local and global partners
Flexible, agile, and results-oriented
Our Mission is to Empower our Clients through Knowledge in Payments
Our Values
Integrity
We do what we say, and we say what we do.
Innovation
We think ahead, offering creative and scalable solutions.
Inclusion
We support underserved regions with empathy and insight.
Partnership
We grow together with our clients and strategic partners.