Modern payment solutions for regulated payment transactions

We modernise payment transactions, payment platforms and digital payment methods

Payment transformation that works in practice

Banks, payment service providers, insurance companies, public sector clients and merchants all face similar challenges in the payments sector: How can regulatory requirements, new payment methods and established system landscapes be translated into a robust payment roadmap? Instant payments, PSD3/PSR, DORA, digital wallets, card modernisation and the digital euro are increasing the pressure to act – in terms of business, technology and organisation. adesso and KIWI Consulting support the implementation of payment solutions that are regulatory-compliant, technologically integrable and market-ready – from the initial analysis right through to live operation.


The payments sector is under fivefold pressure

  • Regulatory pressure: PSD3/PSR, Instant Payments Regulation, DORA
  • Growing demands for real-time and multi-channel capability
  • New payment methods: wallets, the digital euro, embedded payments
  • Expanding system landscapes with long release cycles
  • Pressure on margins and rising efficiency demands

New payment solutions require more than just technology

  • Business, Regulation & Technology
    We combine business requirements, regulatory guidelines and technological implementation – not as silos, but as a shared vision.
  • Business, IT & Management
    We speak all three languages. From board presentations to technical implementation concepts – always with an eye on deliverability.
  • Bundled payment expertise
    A specialised Payments Competence Centre within the adesso Group – in-depth subject matter knowledge, project experience and technological delivery capability.

Our areas of expertise

ur Payments Competence Centre brings together expertise in payment transformation, regulation, risk, compliance, cards, digital payment methods, digital money and technological implementation. This is how we combine market understanding, technical design, architecture, integration, testing and operations within a single team.

Tokenised money, stablecoins & cross-border payments

  • Modernisation of payment platforms
  • Instant payments & ISO 20022
  • AI-based payment processing
  • Payment BPO & managed services
  • Core banking systems & payment integration
  • Operating models & target states

Regulatory, Risk & Compliance

  • PSD3 / PSR Compliance & Strategy
  • FIDA Compliance
  • DORA & Operational Resilience
  • EUDI Wallet & Digital Identity
  • AI-based Fraud Detection
  • Gap Analyses & Implementation Roadmaps

Payment Innovation & Digital Money

  • Tokenised Money, CBMT & Stablecoins
  • Wero – Use Cases & Integration
  • Request to Pay & E-Invoicing
  • Digital Euro & Readiness
  • Agentic Payments
  • Wallet Strategy & Embedded Payments

Cards Issuing, Acquiring & Processing

  • Card Strategy & Portfolio Design
  • Optimisation of Issuing Processes
  • Optimisation of Acquiring Processes
  • Processing Architecture & Operations
  • Operating Models for Card Processes
  • Scheme Requirements & Compliance

Our industry expertise with in-depth payment knowledge

Banks & Payment Service Providers

We support banks and PSPs in modernising their payment and card landscapes – from instant payments, ISO 20022 and PSD3/PSR to issuing, acquiring and new payment services. Our focus is on regulatory implementation, platform modernisation, new payment methods such as Wero or the Digital Euro, as well as fraud prevention and compliance.

Insurance

Typical challenges: modernising direct debit, payout and refund processes · integrating payment functions into customer portals and legacy systems · automating payment-related processes · improving the customer experience and process reliability.

Public sector

Typical challenges: modernising payment-related IT systems and interfaces · designing processes to be secure and operational · Aligning requirements from business units, IT, operations and procurement · Ensuring testing, migration and production-ready roll-out.

Retail & Commerce

Typical challenges: Optimising checkout, acceptance procedures and acquiring set-up · Integrating wallets, cards, A2A payments and embedded payment solutions · Cross-channel payment processes · Evaluating new payment methods and their economic impact.

Our project approach

From initial analysis to operation

1) Quick Assessment

We review the current situation, regulatory requirements, existing processes and current pain points.

2) Target Vision & Roadmap

Together, we develop a business and technical target vision and prioritise areas for action.

3) Business & Architecture Concept

We align business units, IT, management and compliance around a shared vision.

4) MVP / Pilot

We identify prioritised measures, dependencies and a workable roadmap.

5) Testing & Migration

We implement new payment initiatives in stages and validate assumptions at an early stage.

6) Rollout & Operations

We support testing, migration, implementation and the transition to operations right through to a live solution.

Why adesso?

KIWI Consulting brings specialist expertise in payments, regulatory matters and the market – ranging from PSD3/PSR and instant payments through to cards, digital money and operational target states. adesso contributes architecture, integration, development, testing and operations. Together, we create solutions that are soundly designed from a business perspective and implemented with robust technology.

Industry and project experience you can rely on

Our teams bring experience from projects covering instant payments, PSD3, payment system migrations, card processes, ISO 20022 transformation and near-production roll-outs.

  • Experience from bank-critical transformation projects
  • Combined payment expertise from KIWI and adesso
  • End-to-end support from analysis through to operations > Topics spanning banking, the public sector, insurance and retail
  • Delivery capability for instant payments, PSD3 & ISO 20022
  • Technological implementation expertise through the adesso Group

Let’s discuss your payment roadmap.

Whether it’s regulatory pressure to act, the modernisation of existing platforms or new payment methods: we help you prioritise issues, refine your vision and plan implementation realistically.