Consultancy built around 35 years inside the P&L, not beside it.
Jayanath advises issuers, acquirers, fintechs, schemes and regulators across the full lifecycle of a cards and payments business — from the first strategy review to the negotiation that gets a program funded. Engagements run from a focused diagnostic to an embedded multi-year mandate.
Strategy & Portfolio
Multi-year roadmap design across issuing, acquiring and digital payments.
Where the portfolio is winning, where it is leaking, and what to fix first.
Repositioning value propositions for premium, mass and underserved segments.
Acceptance & Operations
POS, MPOS, QR and IPG expansion built for scale, uptime and margin.
Assessment and launch support for wallet and mobile-payment propositions.
Operational redesign for speed-to-market, accountability and service levels.
Technology & AI
Practical AI deployment in payments operations — scoped, piloted and scaled.
Building the analytics capability behind portfolio and risk decisions.
Stakeholder & Governance
Visa, Mastercard, UnionPay and JCB program negotiation and relationship management.
Building and selling the case to boards, central banks and ministries.
Credit, fraud and regulatory governance frameworks for cards portfolios.
Three ways to work together.
Strategic Diagnostic
A focused 2–4 week review of your cards or payments business, ending in clear findings and a prioritised roadmap.
Advisory Retainer
Ongoing senior counsel for leadership teams — board papers, scheme negotiations, regulator engagement, AI adoption.
Program Delivery
Hands-on leadership of a specific initiative — CVP launch, acquiring expansion, AI deployment — through to measurable results.