Digital Finance Consulting Services
Transform your business with expert Digital Finance and Payments consulting services.
Digital Finance Consulting Services
Transform your business with expert Digital Finance and Payments consulting services.
About
Cedratech Consulting Services Ltd.
Cedratech Consulting Services Ltd. is an international advisory firm specializing in digital finance, fintech strategy, and payments innovation. We partner with financial institutions, regulators, and development agencies to design and implement digital-finance solutions that strengthen financial inclusion, enhance regulatory compliance, and accelerate sustainable transformation.
Founded and led by Elias M. Tayeh, a senior expert with over twenty-five years of experience in digital technologies and financial systems, Cedratech operates across the Middle East, Africa, and emerging markets, delivering results-driven consulting and training to both public and private institutions.
Our expertise spans the full spectrum of digital-finance transformation — from open banking and API integration, digital payments and embedded finance, to RegTech and SupTech frameworks, AI-driven credit scoring, cybersecurity, and AML/CFT compliance. We also support institutions in areas such as digital lending, consumer protection, financial inclusion for MSMEs and women-led businesses, ESG alignment, and green-finance product design.
Cedratech’s work combines strategic advisory, solution architecture, and capacity-building to ensure that clients — whether central banks, commercial institutions, or donor-funded programs — are equipped with the knowledge, tools, and digital infrastructure to build resilient, inclusive, and future-ready financial ecosystems.
Our Story
The Company
Our Services
The Company
Cedratech Consulting Services Ltd. is a specialized consulting firm delivering turnkey digital-finance and transformation solutions to the financial sector. Our clients include Payment Service Providers (PSPs), Payment Terminal Service Providers (PTSPs), Mobile Money Operators, Banks, Microfinance Institutions, Leasing Companies, FinTech
Cedratech Consulting Services Ltd. is a specialized consulting firm delivering turnkey digital-finance and transformation solutions to the financial sector. Our clients include Payment Service Providers (PSPs), Payment Terminal Service Providers (PTSPs), Mobile Money Operators, Banks, Microfinance Institutions, Leasing Companies, FinTechs, and Regulators.
Cedratech was established to bridge the gap between financial institutions, regulatory frameworks, and emerging digital technologies. We deliver comprehensive advisory and implementation support—whether the requirement is a full digital transformation at the institutional level, a departmental restructuring, or targeted capacity building for human resources and leadership teams.
Our work combines strategic consulting, technology design, and regulatory alignment across multiple areas of specialization:
- Digital transformation strategies and institutional modernization
- Open banking and interoperability platforms
- RegTech and SupTech solutions for regulators and central banks
- Digital lending and MSME finance product design
- ESG and green-finance product integration
- Financial inclusion and women-led business finance models
- Compliance frameworks for AML/CFT, data protection, and cybersecurity
- Training and human-capital development for digital readiness
Cedratech applies a results-based consulting methodology anchored in international best practices, including PSD2/PSD3, ISO 20022, FATF Recommendations, MiCA, DORA, and ISO 27001. Each engagement follows a structured lifecycle — from diagnostic and assessment, to design and deployment, and finally capacity building and impact evaluation — ensuring long-term sustainability and institutional ownership.
Our deliverables range from strategic blueprints, HLD/LLD solution designs, and digital product frameworks to procedural manuals, operational guidelines, and training curricula aligned with international development and donor standards.
At Cedratech, we build more than systems — we create the foundations for resilient, inclusive, and future-ready financial ecosystems that combine technology innovation with strong governance and sustainable impact.
Founder
Our Services
The Company
Elias M. Tayeh is the Founder and General Director of Cedratech Consulting Services Ltd., bringing more than twenty-five years of international experience in digital finance, fintech strategy, and payments innovation. He has served in senior and C-level executive roles across multiple companies and geographies, leading fintech and paymen
Elias M. Tayeh is the Founder and General Director of Cedratech Consulting Services Ltd., bringing more than twenty-five years of international experience in digital finance, fintech strategy, and payments innovation. He has served in senior and C-level executive roles across multiple companies and geographies, leading fintech and payments operations in the Middle East, Africa, and Europe.
He has provided technical assistance through leading international implementing partners under programs funded by major European and international development institutions, including KfW Development Bank, the German Federal Ministry for Economic Cooperation and Development (BMZ), the European Bank for Reconstruction and Development (EBRD), the European Investment Bank (EIB), the European Commission (EC), the International Labour Organization (ILO), and the Government of the Kingdom of the Netherlands. His work supports central banks, financial institutions, and microfinance providers in digital transformation, regulatory modernization, and product innovation.
Elias’ expertise spans open-banking frameworks, digital-lending and MSME-finance solutions, RegTech and SupTech development, AI-driven risk management, consumer protection, and ESG integration in finance.
Academic and professional credentials include:
- MBA in International Business – University of Liverpool (UK)
- B.Sc. in Computer Sciences – Collège des Frères Mont-la-Salle (Lebanon)
- Certified FinTech Professional – University of Hong Kong
- FinTech Regulation & Policy – European Institute of Management and Finance (EIMF Cyprus)
- Financial Markets (with Honors) – Yale University
- Political Economy of Institutions and Development – Leiden University
- International Organizations Management – University of Geneva
Under his leadership, Cedratech has become a trusted partner for institutions and programs seeking turnkey digital-finance solutions, regulatory modernization, and sustainable innovation in financial services.
Our Services
Our Services
Our Services
Our Services
Cedratech provides specialized consulting and turnkey implementation services across the digital-finance value chain. Our approach combines strategic advisory, technical architecture, compliance, and institutional capacity building — ensuring that every engagement delivers measurable and sustainable results aligned with inter
Our Services
Cedratech provides specialized consulting and turnkey implementation services across the digital-finance value chain. Our approach combines strategic advisory, technical architecture, compliance, and institutional capacity building — ensuring that every engagement delivers measurable and sustainable results aligned with international standards.
Digital Finance Strategy and Transformation
Cedratech delivers comprehensive digital-finance strategies that operate across global, national, and institutional levels. Our approach enables governments, regulators, and financial institutions to align transformation initiatives with international standards while ensuring measurable impact and sustainability.
At the international and regional level, Cedratech supports the harmonization of financial systems with globally recognized frameworks and standards. These include ISO 27001 for information security management, ISO 20022 for payment interoperability, PSD2 and PSD3 for open banking, MiCA and DORA for digital assets and operational resilience, and the FATF recommendations for AML/CFT compliance.
At the national level, Cedratech works with central banks, regulatory authorities, and government bodies to design and implement inclusive digital-finance and payments strategies. This includes developing interoperability frameworks, open-banking policies, national payment strategies, and supervisory modernization programs that balance innovation with financial stability and consumer protection.
At the institutional level, Cedratech guides financial institutions, payment service providers (PSPs), payment terminal service providers (PTSPs), and microfinance institutions (MFIs) through complete digital-transformation processes. These engagements cover institutional diagnostics, governance and operational restructuring, digital product and channel design, and workforce capacity development.
Building on these foundations, Cedratech delivers fully integrated turnkey solutions that move institutions from strategy to execution. Our deliverables include:
- Design and implementation of digital-lending and MSME-finance products
- Development of credit-scoring and risk-assessment models
- Deployment of eKYC, digital-onboarding, and customer-authentication systems
- Integration of consumer-protection, data-privacy, and AML/CFT compliance frameworks
- Development of open APIs and digital channels for payments, collections, and customer engagement
- Preparation of operational manuals, workflows, and standard operating procedures
- Delivery of customized training programs and Train-the-Trainer (ToT) modules to ensure institutional sustainability
Through this multi-level approach, Cedratech ensures that every client — from policy-makers to market participants — achieves sustainable digital transformation supported by secure, scalable, and compliant financial infrastructures.
To complement its in-house expertise and ensure full delivery of complex and multi-disciplinary projects, Cedratech partners with internationally renowned technology and solution providers. These collaborations include RegTech companies specializing in AML, CFT, and KYC compliance systems, as well as next-generation core banking and payment-technology providers offering Gen 4.0 architectures, API-based platforms, and sandbox environments for testing and integration. Through these strategic alliances, Cedratech guarantees that its clients benefit from state-of-the-art, secure, and compliant infrastructures that meet the highest international standards.
For projects requiring highly specialized knowledge or niche expertise, Cedratech engages international experts from around the world with extensive experience in digital finance, risk management, regulatory compliance, cybersecurity, and data analytics. This global expert network allows Cedratech to form project teams that combine technical depth, contextual understanding, and practical implementation capacity — ensuring quality, efficiency, and measurable results across all assignments.
Industries Served
- Banks, Financial Institutions, and Microfinance Institutions (MFIs)
- Fintechs, Digital Startups, and Payment Service Providers (PSPs)
- Central Banks, Regulatory Authorities, and Policy-Making Bodies
- Telecommunications, Mobile Money, and Digital Payments Ecosystems
- Leasing, Factoring, and Non-Bank Financial Institutions
Innovative Digital Finance Solutions for Your Business
Custom Software Development
Data Analytics and Business Intelligence
IT Infrastructure Management
Our team of software developers can create custom solutions to meet your unique business needs. Whether you need a new application, integration with existing systems, or a custom web solution, we can help you achieve your goals.
IT Infrastructure Management
Data Analytics and Business Intelligence
IT Infrastructure Management
Our IT infrastructure management services help you optimize your technology investments and ensure your systems are running at peak performance. We offer comprehensive network, server, and storage management solutions to help you achieve your business objectives.
Data Analytics and Business Intelligence
Data Analytics and Business Intelligence
Data Analytics and Business Intelligence
Our data analytics and business intelligence services help you make informed decisions based on real-time data insights. We offer a range of services, including data warehousing, reporting, and predictive analytics to help you achieve your goals.
Mobile App Development
IT Consulting and Advisory Services
Data Analytics and Business Intelligence
Our mobile app development services help you reach your customers on the go. We offer native and hybrid app development for iOS and Android platforms to help you stay connected with your customers wherever they are.
IT Consulting and Advisory Services
IT Consulting and Advisory Services
IT Consulting and Advisory Services
Our IT consulting and advisory services help you navigate the complex world of technology. Our team of experts can provide guidance on technology strategy, vendor selection, and project management to help you achieve your business goals.
Cybersecurity and Risk Management
IT Consulting and Advisory Services
IT Consulting and Advisory Services
Our cybersecurity and risk management services help you protect your business from cyber threats and data breaches. We offer a range of services, including risk assessments, security audits, and incident response planning to help you stay ahead of the latest threats.