Fintech & payment systems engineering

Engineer reliable systems around complex financial transactions.

Technical consulting and implementation support for payment products, transaction platforms and integration-heavy fintech systems.

Discuss a fintech challenge ↗

Problems I can help solve

When transactions, integrations and operational rules get complicated.

Financial technology systems have to coordinate transaction state, external participants, business rules, reconciliation and failure recovery. I bring experience across payment and card-related systems to help teams reason through those boundaries and design appropriate solutions.

Design or review transaction-processing and payment platform architecture.
Integrate payment services, processors, networks and internal business systems.
Work through payment message formats and standards-based interfaces.
Improve service boundaries, reliability, observability and failure handling.
Assess wallet, card, settlement and related platform requirements.

Relevant domains

Payment technology and enterprise integration.

Payment switches and transaction processing
Card systems and credit card engine concepts
Wallet systems and settlement flows
ISO 8583 and ISO 20022
APIs, microservices and event-driven integration

How I approach the problem

Make transaction behaviour explicit.

The architecture must reflect the business rules and operational realities—not just the happy path. Discovery focuses on transaction lifecycle, ownership, idempotency, timeouts, reversals, reconciliation, security boundaries and external dependencies where relevant.

Map the transaction lifecycle

Identify actors, states, message flows, exceptions and the source of truth for each state.

Understand integrations

Review protocols, message formats, partner contracts, timeouts and dependency behaviour.

Design for failure

Evaluate retries, idempotency, reversals, reconciliation, observability and operational recovery.

Plan delivery

Prioritise the implementation path, migration risks, validation and rollout strategy.

Relevant experience

Domain experience, applied to your architecture.

My professional experience includes payment switches, wallet systems, a credit card engine, ISO 20022 translation and enterprise integrations. These projects provide a foundation for tackling new fintech requirements; the proposed design is determined by your product, partners, controls and constraints.

Transaction systemsProcessing flows, state management and integration patterns.

Payment standardsExperience with ISO 8583 and ISO 20022 messaging contexts.

Platform engineeringMicroservices, APIs, event-driven systems and cloud environments.