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ESAAlliance

Expertise · 05

Financial Services & Payments

In payments, modernisation is won as much in day-to-day operations as in the target design.

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01Executive summary

Executive summary

Instant payments, ISO 20022, new entrants, resilience requirements: institutions must transform critical payment chains that can never stop.

We combine payments domain expertise, regulatory command and programme discipline to secure these transformations end to end.

02What we solve

The situations that bring us in.

  1. 01Ageing and costly payment platforms
  2. 02Regulatory migrations with fixed deadlines
  3. 03Processing chains fragmented between business and IT
  4. 04Onboarding and compliance processes that are too slow

03Where we create value

Six levers we work on.

  • 01

    Payments modernisation

  • 02

    Instant payments

  • 03

    ISO 20022 migration

  • 04

    Onboarding & KYC

  • 05

    Banking operations

  • 06

    Regulatory programme steering

04How we work

ESA Execution Framework

Every engagement follows the same four phases, each with an expected decision.

  1. 01 · Diagnose

    Establish the facts

    Decision
    Where to focus effort, and what we choose not to do.
    Deliverables
    Fact base, issue map, value hypotheses.

  2. 02 · Design

    Design the trajectory

    Decision
    Arbitrate target, sequencing and resources.
    Deliverables
    Target operating model, roadmap, business case.

  3. 03 · Deliver

    Execute and steer

    Decision
    Trade-offs on priorities, risks and escalation.
    Deliverables
    Transformation office, executive reporting, recovery plans.

  4. 04 · Embed

    Embed the value

    Decision
    Handover of accountabilities and target run model.
    Deliverables
    Skills transfer, performance routines, dashboards.

05Capabilities

The practice's capabilities.

Payments
Strategy, functional target, migrations and steering of payment chains.
Regulatory & Compliance
Mobilised with the Risk, Regulatory & Resilience practice. Risk, Regulatory & Resilience
Data & AI
Mobilised with the Technology, Data & AI practice. Technology, Data & AI

Main industries: Financial Services

06Insights

Further reading.

An issue to discuss with our Financial Services & Payments practice?

A partner from the practice will respond directly.

Talk to a Partner

A member of our team will respond within one business day. contact@esa-alliance.com