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Payment & digital banking architecture consultancy. Engaged as senior architect across tier-1 banks, card schemes, energy majors, commodity exchanges, and pan-European payment initiatives. Payment Standards & Schemes ISO20022 · ISO8583 · MT→MX · SWIFT · SEPA · SCT-Inst · FPS · CHAPS · BACS · ACH Regulation & Open Banking PSD2/PSD3 · COP/VOP · SCA · Sanctions · MiCA · Stablecoin Regulatory Frameworks Financial Crime AML · KYC · SAR · PEP · Fraud · Transaction Monitoring · Risk Scoring Architecture & Orchestration Payment Orchestration · Real-Time Settlement · Microservices · Kafka · API Design · TOGAF · PCI-DSS Card & Digital Payments Tokenisation · EMVCo · HCE · PCI-DSS · Digital Wallets · Omnichannel POS Agentic Payments & Emerging Technology Agentic Payment Protocols. AP2 (Google) · ACP (OpenAI/Stripe) · TAP (Visa) · Mastercard Agent Pay · x402 (Coinbase) Stablecoins · DLT · Blockchain · Smart Contracts · Cryptocurrency · MiCA Compliance

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