What We Do

twenty8k consulting provides a suite of services designed to help Payments and FinTech organisations create, improve and expand their product and service portfolios and overall business propositions.

As well as traditional card payments for Prepaid and Debit cards, the company specialises in digital and emerging payments with extensive experience in Issuing, Processing and Programme Management, also having a wealth of knowledge across the Payments ecosystem in general.  Utilising its rich history in helping build, deliver and operate products and services across the value chain, along with a strong partner and associate network, the company ensures clients receive well-considered properly-tailored services.


Apart from general consultancy on Payments, technology and operations, a sample of typical services includes:

  • Programme Management service pack covering business advisory, strategy, product and service definition, build, delivery, and operation.  Includes open and restricted loop programmes for corporates and consumers, along with compliance, regulation, PSD2 and Open Banking.

  • Issuer Processor service pack covering business advisory, product features & functions, service definition, build, delivery, operation. Includes core offering plus the value-adds typically expected of class-leading Processors, along with compliance and regulation.

  • Integration with organisations providing the solutions and services that your proposition will depend upon.  The company has first-hand experience integrating a number of leading service providers across, for example, issuance/BIN sponsorship, processing, payment schemes, KYC / AML, risk and fraud management, and card manufacturing. Integration services cover business, technology and operations, from general guidance to detailed support through setup, configuration and API use.

  • Migration of payment schemes, products, services, suppliers and hosting partners. Covers business transformation and the cloud.

  • Delivery and Operational governance, compliance and regulation, operational management, process improvement programmes. Services range from steering and governance down to detailed planning, management and support.

  • Product and Service innovation, strategy, roadmap, build, delivery, operation.

  • Partner Selection and RFP process.

  • Training courses that cover the Payments landscape incorporating business, technology and operations.


We provide a flexible breadth and depth of engagement and can tailor a level of service that aligns with your needs, skillsets and resource availability. We can operate in a light-touch advisory capacity right through to a deep-dive with detailed direction and support from start to finish. We have done both and are comfortable with either, along with anything in between.

We’re flexible commercially, and would endeavour to find a solution that best fits the level of engagement, services provided, and budget.