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Removing Complexity & Delivering Compelling Payments SOLUTIONS
Case Studies

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A Smart Legacy

Consulting Smart

Consulting Smart is a boutique payments consultancy with a client base from across the industry including card issuers, merchant acquirers, networks, payment processors, payment gateways, alternative payment method providers, Payfacs, ISV’s, ISO’s and fintech start-ups/scale-ups.

We bring deep experience and understanding of this, rapidly changing and heavily regulated, industry to help our clients navigate the challenges that competition, regulators and customers present.

Whether you are looking to diversify your product offering, consolidate platforms or gateways after a merger/acquisition or avoid regulatory penalties, Consulting Smart can provide the Thought Leadership required to create a winning strategy and oversee, or conduct on your behalf, the execution to assure the desired outcomes.

Our extensive payments expertise in cards, digital wallets, open payments, crypto, cross boarder and alternative payment methods (AMP or AMoP) has resulted in many successes for our clients and even received industry awards.

Product Strategy

A considered and effectively communicated product strategy offers guidance at multiple touchpoints throughout the product lifecycle.

With a clear strategy, your business will be able to produce a reliable product roadmap that delivers success and gives you a competitive advantage.

Calling on our extensive payments experience Consulting Smart has led the creation of many very successful and highly celebrated Product Implementations from ideation through strategy creation to deployment of MVP and optimisation releases. We have done this for some of the biggest global brands within Payments, now let’s do this together.


Industry Advisors

Our team has over half a century of payments industry experience. We can offer our clients world-class opinions, and commercial expertise so they can gain insights into the payments industry and make better-informed decisions.

We also support specialist industry research organisations in the compilation of industry reports and articles, companies such as GLG, Alpha Sights, Juniper Research, Guidepoint, PWC, Deloitte and JP Morgan


Project & Programme Management

We provide professional project & programme management
services to clients worldwide. We deploy our expertly experienced project and programme
managers who then drive value into your projects and programmes, which to realise
business benefits and deliver on time, cost and quality.

Investor Support

Our consultants support Private Equity and Venture Capital funds to make better-informed investment decisions by offering expert industry advice and opinion, and when possible providing evidential data.

We have designed a range of services to support investors like Bain and Flagship Advisory to understand market opportunities, competitive landscape, barriers to entry, adoption timescales and likely returns.

How can we assist you as an investor?

Expert Witness

Consulting Smart have specialist consultants and advisors with particular skill sets whose opinion may help a jury make sense of the factual evidence of a case or support a mediation process by helping parties understand the complexities of disputed claims.

What Our Clients Say


Coventry City Football Club

“We are using Consulting Smart as our Subject Matter Experts in smart cards and they have been advising us on the best approach in developing a multi purpose supporter based smart card, that will improve the quantity and quality of our customer data and make back office operations more efficient whilst delivering a better customer experience. We have benefited from the advice and guidance that Consulting Smart Ltd have provided us with and look forward to a continued relationship with them”

– Stephen Ebanks, Ticketing Manager, Coventry City Football Club–

American Express

“We engaged with Consulting Smart Ltd for almost three years at the American Express European Operations Head Quarters in Brighton during a period of significant expansion of the Card portfolio by moving into the Credit Card market thus attracting a younger demographic. “

–Bee Robinson, Program Director Business Reengineering, American Express –

American Express

“The Consulting Smart Team came in to assist American Express to develop and launch the first Mobile NFC project (ISIS participation – U.S. MNO collective of AT&T, Verizon and T-Mobile) globally for Amex. Consulting Smart were a critical asset to delivery for the foundational development and integration of Amex technologies to deploy NFC including the very first American Express payment applet and payment network specification. Steve Beecroft of Consulting Smart Ltd led the network, applet and specification development programme end to end and he and his team were the key driver in our success. “

– Pratap Gautam, Director Innovative Payment Solutions, American Express –

Investigate the possibilities

Let's Discuss Your Project