Case studies in regulated payments infrastructure.
Real systems shipped at $1B+ GTV scale. Filter by industry, by the companies this work is most relevant to, or by compliance theme.
Six flagship builds, in depth.
Simpaisa Payment Infrastructure Platform
A regulated, multi-rail payments platform processing $1B+ annual GTV and 270M+ payments a year across pay-in, payout, wallets (DCB/IBFT), card acquiring (MPGS/MDES), settlement, FX and cross-border...
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,...
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%.
MDES + VTS Network Tokenisation Rollout: 92% Coverage and the Auth-Rate Lift That Pays For Itself
Migrated 150+ merchants from PAN-on-file to scheme-token credentials across MDES (Mastercard) and VTS (Visa), replaced three vault providers, rewired the recurring engine, and lifted post-tokenisation...
Tapmad OTT: 0→5M Subscribers, Payment Cost 50% → ~1%
Built the billing engine for Pakistan's leading OTT platform — Direct Carrier Billing across all four telcos, wallet-billing migration that pulled payment cost from 50% of revenue to ~1%, 0→5M paid...
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...
The rest of the record, in brief.
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;...
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...
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.
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...
MPGS Acquirer Integration Programme: Hosted Session, 3DS2, Tokenisation and the Recurring Stack
Took a regional acquirer-processor from a single Hosted Checkout flow to a full MPGS surface, Hosted Session, EMV 3DS2 step-up, scheme tokenisation, recurring billing and dispute ingestion, across a 150+...
3DS2 Step-Up Optimisation: From 38% Frictionless to 73% Without Lifting Fraud
Rebuilt the EMV 3DS2 step-up programme for a regional acquirer-processor — per-issuer risk-based authentication, the full 3DS2 frictionless / data-only path suite, abandon-recovery flows — lifting...
Click to Pay (VCTP + MCTP) Programme: Scheme-Led Checkout, Recognised Cardholders, and 7.2pt Conversion Lift
Designed and shipped Click to Pay across a regional acquirer's top-tier merchant cohort, VCTP (Visa Click to Pay) + MCTP (Mastercard Click to Pay), recognised-cardholder enrolment, multi-card wallet,...
AML/CFT Sanctions Engine: Real-Time Screening + 60% False-Positive Cut Across Five Markets
Stood up the AML/CFT sanctions and PEP screening engine across six MENA + South Asia markets for a regulated fintech, real-time pre-send blocking + daily batch re-screen, per-corridor list tuning, cut...
Regional Wallet Integration: Easypaisa + JazzCash + SADAD + STC Pay Across MENA + South Asia
Integrated the dominant regional wallets, Easypaisa, JazzCash, SADAD, STC Pay, plus Mada-rail acceptance, into a unified payment-acceptance surface for a regional fintech across four markets; produced 27%...
PMO + Risk Council Operating Model: From Audit-Reactive To Forward-Looking In Two Quarters
Built the joint PMO + Risk Council operating model for a regulated fintech, unified RAID + risk register, monthly council cadence, audit-evidence pipeline, moving the function from audit-reactive to...
Daraz (Alibaba Group): +15% Checkout Conversion, −20% False Declines
Rebuilt marketplace checkout and the COD-to-digital migration for Alibaba-group Daraz across five South Asian markets — lifted checkout conversion +15%, cut false declines −20%, and tuned category-aware...
Daraz (Alibaba Group): 99.5% Settlement Across Five Markets at Alibaba Scale
Ran multi-country settlement and reconciliation for Alibaba-group Daraz across five South Asian markets — 99.5% settlement accuracy, ~40% wider payment coverage via Alipay and regional-method localisation...