The Card Payments Industry is Facing a Pivotal Shift.

The card payments industry is undergoing a transformative shift due to evolving customer preferences for digital payments and the rapid growth of the fintech sector. This shift is influenced by several trends.

One notable trend is the rise of tokenized wallet-based cards on mobile phones, enabling customers to store and utilize their cards digitally on their mobile devices instead of carrying physical cards.

Another trend is the integration of payment capabilities into various devices and applications, empowering customers to make payments directly from smartphones, laptops, and other devices, eliminating the need for traditional payment cards or payment instruments.

Furthermore, there is a global expansion of the card user base, particularly in emerging countries, where more individuals are gaining access to financial services and cards. This surge in demand for payment cards in these regions is driving the industry’s growth.

Additionally, several general payment trends are impacting the industry. These include the increasing availability of real-time customer payment options, the strengthening of digital identity as a crucial part of infrastructure, and the development of next-generation money-moving technologies and digital currencies.

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

Our team of experts specializes in various aspects of the industry, including:

Card issuing and acquiring: We possess in-depth knowledge of the processes and systems involved in issuing and acquiring payment cards. We can assist clients in implementing and managing these systems effectively.

Payment network integration: We excel in integrating payment card systems with various networks such as Visa, MasterCard, and others, ensuring seamless operations for our clients.

Security and compliance: We stay abreast of the latest security standards and regulations, enabling us to help our clients ensure that their systems meet these requirements and maintain compliance.

Mobile and digital payments: We have extensive experience in implementing mobile and digital payment solutions, encompassing digital wallets and tokenization.

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.


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

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.

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