Let’s Talk Payments
With 20 years in payments, fintechFintech fintech Short for financial technology, refers to tech-enabled innovation in financial services., and financial services, I’ve been fortunate to see this space from both sides — as a retailerRetailer retailer A merchant that sells goods or services directly to consumers. and as a payment service provider. I’ve helped launch products, enter new markets, structure partnerships, and scale platforms that today move billions in transaction volume across continents.
Whether you’re a fintech breaking into a new region, a platform rethinking how money flows, or an investor evaluating the next opportunity — I can help you move with clarity, speed, and confidence.
I’ve worked across India, Southeast Asia, China, the Middle East, and Australia, helping companies navigate complexity, localize intelligently, and build for scale. I’ve advised VCs, collaborated with regulators, and worked closely with founders, product teams, and commercial leads.
This isn’t high-level consulting — it’s hands-on, practical, and shaped by experience from working with global leaders and high-growth fintechs alike.
How I Can Help
I work with fintechs, payment companies, crypto platforms, SaaS providers, merchants, and investors to solve problems that matter.
Market Expansion Strategy
Helping fintechs expand across APAC, India, Southeast Asia, and Australia/NZ.
Payments Infrastructure Advisory
Supporting real-time payments, wallet infrastructure, stablecoinStablecoin stablecoin
A type of cryptocurrency pegged to a stable asset (like USD), used to avoid volatility in crypto transactions. settlements, and fiat–crypto on/off ramps.
Checkout & Acceptance Optimization
Improving UX, success rates, and routing for eCommerceeCommerce ecommerce
Commercial transactions conducted electronically on the internet. Includes digital payments, shopping carts, and fraud prevention. and omnichannel merchants.
Card Issuing & BIN SponsorshipBIN Sponsorship bin-sponsorship
An arrangement where a financial institution allows another party to use its Bank Identification Number for issuing cards.
Structuring co-brands, card issuing programs, and embedded issuing partnerships.
Embedded Finance Enablement
Helping SaaS platforms launch payments, lending, and FX-as-a-service products.
Investor & Board Advisory
Providing diligence, monetization frameworks, and market insights for funds and boards.
Regulatory Licensing & Compliance
Guiding licensing and compliance processes across AUSTRAC, MAS, and emerging markets.
Crypto & Web3 Payments
Advising on stablecoin payouts, liquidity flows, and Web3 checkout mechanics.
BNPL & B2B Payments Strategy
Building GTM plans and partnerships for consumer and SME-focused payment models.
Multi-Currency Treasury & FX
Designing treasury, liquidity, and hedging structures for platforms with global exposure.
Localization for PSPs & Acquirers
Adapting PSP products and GTM for success in diverse APAC regulatory environments.
Neobank Product Strategy
Launching walletsWallets wallets
See Digital Wallets., loyalty, cashback, and stored value programs for digital banks.
Let’s Connect
If you’d like to explore working together or just want to compare notes — I’m always happy to have a conversation.
👉 Book a 15-min call with Vibhu
You can also reach me at: 📧 vibhu@paymentspedia.com 🔗 LinkedIn