The Payments Industry is Facing a Pivotal Shift.

The payments industry is undergoing a transformative shift driven by evolving customer preferences towards digital payments, the growth of technological innovation and regulatory changes.

One notable trend is the rise of virtual cards, enabling customers to store and utilize their cards digitally on their mobile devices, eliminating the need for physical cards and streamlining the digital wallet experience.

Another trend is the rise of embedded finance, which seamlessly integrates payment capabilities into various devices and applications, empowering customers to make payments directly from smartphones, laptops, and other devices, bypassing the reliance on physical payment cards or conventional payment instruments through peer-to-peer (P2P) platforms.

In 2022, nearly a quarter of the world’s population was unbanked, a challenge emerging markets are rapidly addressing through financial innovation. These areas are pioneering in introducing microfinance, remittance technologies, and mobile money services, supported by a active fintech startup landscape.  This shift towards financial inclusion is driven by technological advancements and innovative financial services.

Furthermore, blockchain and decentralised finance (DeFi) are revolutionizing financial services, enhancing security, transparency, and consumer control, while fostering innovation and accessibility in the sector. This synergy is creating a more competitive, efficient, and user-centric financial ecosystem.

The landscape of payment trends is also characterized by the growing prevalence of real-time payment options for consumers, the evolution of directives on open banking, the strengthening of digital identity in securing transactions, and the development of cutting-edge technologies for moving money and digital currencies.

At LKPU, we possess extensive expertise in the payment, banking and digital innovation. We understand the unique challenges faced by card issuers, processors, merchant acquirers, and fintech startups in today’s rapidly evolving market.

Our team is dedicated to providing innovative solutions and services that empower our clients to remain competitive in the industry. We work closely with each client to understand their specific needs and customize our solutions accordingly.


of our clients are happy with the results we achieve for them
1 %

Client Results​


As part of a new debit product introduction, a challenger bank decided to integrate a new technical processor as the future processor for their debit product. This is a significant decision as it can help the bank to attract new customers and expand its product offerings. The new debit product has been a key part of the bank’s strategy to increase its market share and compete with other players.

Featured Team Members

Abtin Maghrour

Managing Partner

Alain Dietrich


Martin Kainz


How Can We Help​


Strategy development, compliance support, regulatory updates, assessments, audits, training, and industry insights for clients.

Card & Account Maintenance

Analyzing card portfolios, devising issuing strategies, optimizing account management, monitoring performance, evaluating vendors, and offering training.

Strong Customer Authentication (SCA)

Comprehensive support including strategy, continuous compliance, sourcing, exemption management, TRA optimization, implementation, testing, and training.

Target Operation Model

Analysis, design, strategy, optimization, technology alignment, organizational design, change management, performance measurement.

Fraud Prevention Management

Tailored strategy, advanced detection systems, transaction monitoring, investigation, authentication, training, mitigation controls, compliance guidance.


Tailored market strategies, cross-selling, roadmap planning, core competency management, innovation support, customer experience enhancement, product controlling, and communication strategies.

Ready to talk?

We work with ambitious leaders who want to define the future, not hide from it. Together, we achieve extraordinary outcomes.