End-to-End
Payments Expertise

GM07 Consulting is a boutique consulting firm specializing in cards and payments transformation, ecosystem strategy and programme delivery across Europe and the United States.
We partner with financial institutions, fintechs, processors and payment organizations to design and deliver complex transformation initiatives that improve operations, accelerate modernization and create long-term value.

01

Card Issuing Transformation

We support card issuing transformation initiatives across debit, credit and prepaid portfolios, helping organizations modernize platforms, products, lifecycle processes and operating models.

  • Issuing strategy & operating model
  • CMS modernization & implementation
  • BIN, portfolio and product migration
  • Card lifecycle redesign
  • Recarding and replacement programmes
  • Authorization, clearing and settlement readiness
  • Operational process alignment

02

Acquiring &
Transaction Switching

We support acquiring, ATM, POS and transaction switching initiatives where routing, authorization logic, message flows and operational controls are critical to business continuity.

  • ATM and POS transaction ecosystems
  • Transaction switching and routing
  • ISO 8583 transaction flows
  • Authorization flow analysis
  • Acquirer / issuer integration
  • Clearing and settlement alignment
  • Reconciliation and operational controls

03

Processor &
Scheme Migration

We support processor migration and scheme transformation programmes by bridging business, technical, operational and scheme requirements across all stakeholders.

  • Processor migration strategy
  • Current-state and target-state analysis
  • Scheme migration and certification planning
  • Product and BIN mapping
  • Migration wave planning
  • Cutover and fallback planning
  • Stakeholder coordination across bank, processor, scheme and vendors

04

Digital Payments & Tokenization

We support digital payment enablement across wallets, tokenization, authentication and secure transaction flows, ensuring alignment between customer experience, scheme rules and backend processing.

  • Apple Pay and Google Pay enablement
  • Tokenization flows
  • VTS / MDES alignment
  • 3DS and authentication flows
  • Wallet and device integration
  • Digital credential lifecycle
  • Transaction security and risk controls

05

Programme
Delivery & Governance

We support complex delivery programmes by bringing structure, control and clarity across business analysis, migration planning, testing, issue management and go-live readiness.

  • Business analysis and functional specifications
  • Programme governance and PMO support
  • UAT / SIT strategy and execution
  • Defect and issue management
  • Migration planning and readiness tracking
  • Multi-vendor coordination
  • Executive reporting and stakeholder alignment

06

Ecosystem Strategy & Innovation

We support the design of payment ecosystems that connect issuers, acquirers, merchants, networks, fintechs and customer communities into scalable commercial models.

  • Cross-border payment ecosystems
  • Affinity and loyalty programme strategy
  • Merchant-funded rewards models
  • Issuer / acquirer commercial structures
  • Partnership and ecosystem mapping
  • Market entry and expansion strategy
  • Innovation roadmap and execution

Beyond Implementation. Driving Transformation.

From strategy to execution, GM07 Consulting helps organizations modernize platforms, optimize operations and build future-ready payments ecosystems.