Strategic Advisory for Digital Payments and Card Business
At KPEM Consulting, we don’t just advise — we deliver actionable strategies tailored to the unique challenges of emerging markets. Our hands-on support helps financial institutions, fintechs and enterprises to design, launch, and grow scalable card and digital payment solutions that achieve profitability fast.
We don’t just advise —we make it happen!
Card Issuing & Acquiring Strategy
Swipe Smart, Scale Fast!
We help you build card programs and optimize your acquiring infrastructure that do not just work- they win!
Our services to you:
- Scheme licensing decision consultancy
- Designing end-to-end card programs: Credit, debit, and prepaid card
- POS, e-commerce, and ATM acquiring optimization
- BIN Sponsorship E2E Programm Management
- Core banking authorizer integration support for debit balance management
- Transaction processing services (TPP both issuing and acquiring)
Result: A card business that’s optimized for scale, with cost-efficiency and revenue clarity.
Profitability Analysis and Card Scheme Optimization
Fees under control. Profit in Sight!
We turn your payment operations into predictable revenue machines!
Our services to you:
- Card Network fees control & optimization
- Transaction profitability analysis
- Merchant card network cost indicator
- Cost and revenue modeling
- Invoice reconciliation and penalties monitoring
Result: we want our client to be in full control of all the fees associated with both issuing and acquiring business: our goal is clear: we want our clients to be profitable within the first 12 months!
Result: we want our client to be in full control of all the fees associated with both issuing and acquiring business: our goal is clear: we want our clients to be profitable within the first 12 months!
Business Consulting & Requirements Engineering
From Idea to Execution – without the Guesswork!
We bring structure to your vision with clear, actionable plans.
Our services to you:
- Feasibility & Opportunity Analysis
- Business Modeling and Road mapping
- Requirements gathering and Specification
- Vendor & Partner evaluation
Result: A crystal-clear blueprint for action — whether you’re launching a new product, scaling operations, or seeking investment. Our business consulting lays the groundwork for a successful execution by aligning all stakeholders from day one.
Result: A crystal-clear blueprint for action — whether you’re launching a new product, scaling operations, or seeking investment. Our business consulting lays the groundwork for a successful execution by aligning all stakeholders from day one.
Digital Banking & Embedded Finance & Cross-Border Strategy
Think Beyond Borders. Build Beyond Banks.
We help you design digital finance models that scale across geographies and customer segment.
Our services to you:
- How to launch a digital wallet in the EU with IBAN accounts for individuals and businesses, under a license valid across 30 EU countries
- Integrating embedded finance models for B2B and B2C (e.g., e-invoicing, KYC, KYB)
- Open banking integration
- SEPA and EU digital payment strategy
- Exploring correspondent banking alternatives using non-traditional rails (FX and remittance flows)
Result: A fully customized strategic roadmap that enables your organization to build and scale compliant, interoperable, and user-centric digital financial services. We guide you through every step—from licensing and infrastructure to integration and market entry—helping you unlock revenue from both traditional and embedded finance models across borders.
Core Banking & Systems Optimization
Legacy System, Bye Bye!
It´s time to modernize – smarter, faster, leaner!
We support banks—especially Tier 2 and Tier 3 financial institutions—and fintechs in selecting and implementing future-ready systems that scale with their business.
It´s time to modernize – smarter, faster, leaner!
We support banks—especially Tier 2 and Tier 3 financial institutions—and fintechs in selecting and implementing future-ready systems that scale with their business.
Our services to you:
- Core banking system evaluation, selection and recommendation for migration
- Integration of third-party processors, payment platforms and value-added services
- Cloud-native and API strategy, to support scalability and innovation
- Business operations streamlining through automation and best-in-class architecture
Result: A lean, agile, and future-proof technology backbone that aligns with your growth strategy—reducing operational friction, enabling faster product delivery, and setting the foundation for long-term scalability.