Global R&D Teams - Rapid Development or Agile
Mobile/Device Application Development including Security and Tooling
Host Development - Front End, Realtime Back End, Big Data, Analytics
FinTech & Payment Backgrounds
POS | eCommerce | Acquiring | Network | Issuing | Banking
Domestic US | International | > 25 Regional SME
LFI Trusted Advisory | >200 FIs, Fintechs, Corporates | >30 Top 80 US LFI Banks | >6 Top 25 World LFI Banks
Host Front End (FE), Gateway, and Routing | Back End (BE) Processing & Settlement
Many Models Public | Private Label | Private Owned | DLT | Switch to Multi-Acquirers | Direct to Network by-Passing Acquirer
Single Message | Dual Message | PIN Network | Design Your Own
Reduce Interchange Cost or Analysis of Exempt or Non-Exempt Regulations
Debit | Credit | PrePaid | Gift | Payroll
SKU Level or Level 3 Data
Virtual Card, Digital Issue to Wallet, One-Time Use, Factory Personalization
POS - SoftPOS, Clover, Ingenico, PAX, XAC, Verifone, Miura, ...
Kernels - Amadis, NMI/CreditCall, ...
Acquirer Testing
Security Lab - End to End Protections, Design, Solution, Pen Testing
Functional Labs - L1, L2, Type, Performance
Payment Method - Visa, MasterCard, Alipay, AMEX, BLIK, Diners,
Discover, EFTPOS, Girocard, Interac, JCB, Rupay, UP, WeChat, ...
Account to Account
EU | BACS & Faster Payments
EU | SEPA & Instant Payments
US | ACH
US | TCH RTP | Real-Time
US | FedNow | Real-Time
Int | SWIFT
Wallet - Apple/Google/Samsung Pay
Digital Issuance & Provisioning
OEM/Hardware
ECR - App to App, App to Cloud to App
Payment - B2B, C2B, B2C, P2P
Compliance - KYC, KYB, Credit, Risk, AML, OFAC/Sanction, ...
Value Added Services
Dynamic Currency Conversion (DCC)
Tokenization
Loyalty
Multi-Merchant
Anticipation
Installments
Mobile Security
TEE, SE, REE, KNOX, Android Enterprise
Arxan
Native Custom/Advanced
OEM Device
'OEM Fleet' Attestation
Security Frameworks
Software PIN on CotS (SPoC)
Pin On Glass (POG)
EMV, PCI, SCA, PSD2, Next Generation
Host Security Module (HSM)
Key Distribution Host (KDH)
Remote Key Injection (RKI)
Host Card Emulation (HCE)
Mobile Wallet
Tokenization
Attestation
AI, ML, & Applied Data Science
Tools RapidMiner | Dataiku | KNIME
Gen-AI Grok | ChatGPT | Perplexity | Qwen | Copilot | DeepSeek
Integration
API/SOA/Micro Services
Open API
Messaging (MQ, Kafka)
Big Data Streaming (Kafka)
Distributed Cache
Developer Portal - Global and Regional Variance
Host
K8s/Docker, JBoss, SpringBoot, Oracle/RAC/Replication
SRE Tuning
High Availability
High Volume/TPS
Efficiency and Sustainability
Cloud
APIGEE, AWS, Cloud Foundry, Internal/Custom, IBM
On-Premise, Off-Premise, Hybrid On/Off-Premise
Monitoring, Analytics, Tuning, and Alerting
ELK/TICK, Splunk, Moogsoft, App Dynamics, ...
Analytics & AI
Rule Based Decisioning
Applied Scale Processing
Reduce Data I/O or Moving Data and Locally Apply
Segment Domain Models and Reduce Hardware Consumption
Business Logic Local around Data vs I/O Your Data to Apply Business Logic then more I/O to Persist It Again
Zone Tier Processing | Active/Active | High Availability | Real-Time | No Down Time | Canary Deployment
Micro Process | Micro Front End | Micro Service | API Driven | Creative Data Sourcing
Build Next Generation Green Field
Move-On From Legacy Constraints
Zone Tier Processing End to End
Green Field Any Payment Type | FI/FinTech/Banking Core | Digital | Commodity or Asset Exchange
Creatively Use Big Data Tooling
Low Stack Layer or OEM Application
Applied Security Zone and Data Protection
Proven and Sustainable Approaches