Case studies in regulated payments infrastructure.
Real systems shipped at $1B+ GTV scale. Filter by the companies this work is most relevant to, or by compliance theme.
Simpaisa Payment Infrastructure Platform
A regulated, multi-rail payments platform processing $1B+ annual GTV and 25M+ monthly transactions across pay-in, payout, wallets (DCB/IBFT), card acquiring (MPGS/MDES), settlement, FX and cross-border corridors, PCI DSS and ISO/IEC 27001 certified.
Merchant Onboarding + KYC/KYB Automation
Automated merchant onboarding pipeline, KYC/KYB, UBO discovery, sanctions and PEP screening, risk-tiered decisioning with full audit trail. Activation cut from weeks to hours; manual review load down 70%.
Settlement + Reconciliation Engine: 99.95% Accuracy at $1B+ GTV
A multi-rail settlement and reconciliation engine, canonical double-entry ledger, three-way auto-reconciliation, exception management and corridor-aware payout windows. Closed the gap between treasury, finance and product at $1B+ GTV.
Fraud, Risk and AML/CFT Controls: Layered Decisioning at $1B+ GTV
Layered fraud, AML/CFT and sanctions decisioning built natively into the payments stack, vendor signals, device intelligence, internal velocity rules, SAR-ready audit trails. Fraud loss held <0.1% of GTV; fraud incidents down ~65%.
Cross-Border Corridors + FX Infrastructure
Cross-border pay-in and payout corridors with FX, partner routing and corridor-level economics.
Tapmad Wallet/Billing Migration: 50% to 1%
Migrated subscription billing off high-cost rails and rebuilt wallet/DCB flows, payment cost from 50% to 1%.
Daraz (Alibaba Group) Payment Operations + COD-to-Digital Conversion
Ran payment operations for South Asia's largest marketplace across 5 markets during a COVID volume surge. Designed and shipped the COD-to-digital migration as an incentives + trust program — lifted digital share ~40% and cut dispute cycles ~50%.
TapmadTV $3M Digital Transformation Programme
Led a $3M programme launching Pakistan's first licensed OTT platform, 5 tech workstreams (iOS, Android, web, CMS, CDN), 25-person team, 8 international vendors, PMBOK + Agile hybrid governance.
Production GenAI Suite at Simpaisa, 4 Deployments in Regulated Payments
Identified, value-modeled and deployed 4 production GenAI solutions across merchant integration support, incident auto-escalation, partner support automation, and a fraud/AML AI pilot with a major banking partner.
BNPL Launch at Simpaisa: 0 → 100K Users in 8 Months
Launched Simpaisa's BNPL product from scratch, full underwriting, repayment flows, collections, regulator briefings, to 100K users in 8 months through iterative agile discovery.
SWIFT MT/MX Implementation: ISO 20022 Migration + gpi at Simpaisa
Wired SWIFT MT and MX (ISO 20022) messaging into the Simpaisa cross-border stack with gpi tracking, CSP attestation and dual-rail parsing — sustained 99.9%+ message-acceptance rate through the ISO 20022 migration window.