Banking & Payments Consultant
Last active: 3 days ago
I provide Payments Consulting and Advisory Services for Banks & FinTech Start-ups. Most of my work is based on architecting payment networks, products and solutions for clients or doing product/idea validation. Core focus has always been on value-transfer across borders.
Extensive knowledge in the design, integration and running of payment networks & payment systems. Well versant in online payment mechanisms, (web/mobile). Niche knowledge of cross border payments (money transfer / remittances), mobile banking, payment gateways, PSPs / PF, merchant accounts, acquiring operations and mobile payments.
I excel in providing sound advise to developers and startups on all aspects of payments for their mobile payment endeavors, payment gateways to process credit/debit cards, value transfer using Bitcoin or Ripple Gateways, and designing and/or integrating with payment networks.
Have excellent relationship in the industry for Bank API Integration, ACH APIs and ACH Processing. I fully understand how to author, validate and present flow of funds for all sorts of complex payment schemas and payment network/systems integration.
Fully versant with various AML/KYC systems that can be implemented into your mobile payment apps or web payment app.
Core competencies lie in money-transmission, especially across borders for purposes of money-transfer (remittances). Deep understanding of the mechanics involved in money transmission, from the old, new and emerging methodologies, including value-transfer using alternative currency methods.
Well versed with laws/compliance issues related to Financial Regulators (around the world), Anti-Money laundering (AML), KYC, Money Transmitter (MT) Licensing issues / Money Services Business issues (MSB) in US, Europe and Asia.
Highly knowledgable about digital (crypto) currencies, alternative payment networks and peer-to-peer (P2P) payment solutions. Especially versant in Bitcoin.
Over 4,000+ answers published on Quora Internet related to banking, fintech, payments & payment systems. Co-Host of Fintech / Banking & Payments Podcast.
Extensive contribution to the money-transmission space domain knowledge.
Specialties: Wire Transfer, Banking, Correspondent Banking, Remittances / Money-Transfers, Electronic Payments, eMoney, Branchless Banking, eWallet, Virtual Currencies, Mobile Payments, Mobile Banking, Financial Networks, Transaction Gateways.
Pragmatic experience with various markets (US, Canada, UK/Europe, GCC, East Africa, South Asia, South East Asia and parts of Eastern Europe)