Financial technology
10 payments consultants
These ten payments consultants have advised banks, fintechs, merchants and payment companies on payments strategy, products and infrastructure. A reader can learn how to choose payment rails and partners, plan a new payments product and modernise infrastructure such as card and real-time payment systems.
Professionals to explore
01—10Anton Chateau
LinkedInExperience: Independent Consultant · Self-Employed
Independent Consultant in the payments and banking industry since 2019, and Executive Director at Advanced Payments Consulting (2013–2019). He was Senior Managing Consultant at Mastercard Insights & Intelligence (2005–2013). The profile says his recent consultancy work has covered payment infrastructure design, consolidation, and merchant acquiring and acceptance.
Deborah Baxley
LinkedInExperience: Partner · PayGility Advisors
Partner at PayGility Advisors since 2016 and Co-Chair, Emerging Payments Working Committee at the US Payments Forum since 2016. The profile describes her as an international mobile and cards payment consultant who creates growth strategies for new and existing markets, consulting to cards and payment companies, with specialties in retail financial services, mobile payments, credit cards and technology strategy.
Karen Cervenka
LinkedInExperience: Payment Consultant-Principal Strategy Solutioning Product Management Payment Risk ISO 2002 · K-C Consulting
Payment Consultant-Principal Strategy Solutioning Product Management Payment Risk ISO 2002 at K-C Consulting since 2026. At Visa she was Vice President - NA Head of Real-Time Payments Payment Strategy & GTM Product Development (2022–2024) and Vice President Product Commercialization Solutioning ISO20022 Standards Value Add Services (2014–2022). The profile says she is the inventor or co-inventor of 15+ digital payments patents.
Mangala Martinus
LinkedInExperience: Managing Director · Payments Consulting Network
Managing Director of Payments Consulting Network since 2013 and of Merchant Advisory since 2018. The profile describes Payments Consulting Network as a specialist international management consulting network for the financial services and payments industries, with clients including financial institutions, retailers, card schemes and payment processors. It also lists Manager at Edgar, Dunn & Company (2008–2011).
Mark McMurtrie
LinkedInExperience: Director · Payments Consultancy Limited
Director of Payments Consultancy Limited since 2012 and Ambassador at The Payments Association since 2015. The profile describes him as an independent consultant focusing on payments and fintech who advises retailers, hospitality providers, financial services companies, banks, issuers, acquirers, payment service providers, technology companies and investors.
Olivier Denecker
LinkedInExperience: Senior Payment Expert, ex- McKinsey & Company partner · McKinsey & Company
Senior Payment Expert, ex- McKinsey & Company partner at McKinsey & Company since 2024 and Senior Advisor at Projective Group since 2024. Other McKinsey roles on the profile are Expert Partner (2017–2024), Director of Knowledge, Global Payment Services (2013–2016) and Senior Expert European Payments (1999–2013). The profile describes serving clients globally on payments and daily banking for a leading management consultancy.
Olivier Perrin
LinkedInExperience: Principal Director Head of Payments Practice France Benelux · Accenture
Former Principal Director Head of Payments Practice France Benelux at Accenture (2024–2026) and Associate Partner Creator & Head of Payments Practice France at EY (2018–2024); Directeur Associé at POLE Consulting since 2026. The profile describes payment solutions strategy consulting for banks, merchants, corporates and payment service providers, covering card, mobile, SEPA and instant payments.
R. Andrew Gómez
LinkedInExperience: Managing Director · Worldwide Payments Consulting
Managing Director at Worldwide Payments Consulting since 2024 and Senior Advisor at Paylume since 2025, which the profile describes as a Brussels-based payments consulting firm helping banks, PSPs, fintechs and regulators with strategy, digital transformation and education. He was Director at Lipis Advisors (2023–2024) and has been a Board Advisory Group member at the U.S. Faster Payments Council since 2022.
Ravneet Kaur Randhawa
LinkedInExperience: Managing Director · FTI Consulting
Managing Director at FTI Consulting since 2026, where the profile says she advises clients on driving growth and innovation in consumer and corporate payments, working with fintechs, banks, networks and merchants. At Deloitte she was Senior Manager (2018–2026), Manager (2014–2018) and Senior Consultant (2011–2014).
Rishi Munjal
LinkedInExperience: Managing Director, Accenture's Payments Practice · Accenture
Former Managing Director, Accenture's Payments Practice at Accenture (2024–2026) and Payments and Fintech Advisor at 99FinTech since 2026. He was Senior Payments Consulting Specialist at 99FinTech (2023–2024) and Vice President Product Strategy, Payments at Kyriba (2021–2023). The profile says he has advised CXOs, banks and fintechs on strategies across ACH, wires, cards and instant payments including FedNow and RTP.
Choose the right perspective
Match the consultant's background to your question: people from large consulting practices suit strategy and transformation programmes, while independent advisors with card network or acquiring roles suit hands-on product, scheme and merchant questions. Check the regions and payment types each person describes before asking about a specific market.
Questions to take into the conversation
- 01How should a bank or fintech decide which payment rails to support first, and what does each one cost to run?
- 02What are the most common mistakes when launching a new card or merchant acquiring product?
- 03How do you plan a move to real-time payments or ISO 20022 without disrupting existing customers?
About this directory
This is a professional research starting point based on business profile data retrieved on . Titles and companies reflect that source snapshot and may describe past or present roles. Check the linked profiles for current details. Inclusion does not imply Instant Expert membership or availability.
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