Cedratech Consulting Services Ltd. is a specialist advisory firm that sits at the intersection of financial institutions, regulation, and emerging digital technology. We work with central banks, regulators, banks, payment providers, and microfinance institutions to design and deliver the systems, frameworks, and capabilities that modern digital finance depends on.
Our engagements range from full institutional transformation to focused capacity building for leadership and operational teams. In every case, the goal stays the same: financial systems that are resilient, inclusive, and ready for the next decade.
Cedratech Consulting Services Ltd. delivers comprehensive transformation strategies to the financial sector. We serve Payment Service Providers and Payment Terminal Service Providers, Mobile Money Operators, banks, microfinance institutions, leasing companies, FinTechs, and regulators.
We founded Cedratech to connect financial institution
Cedratech Consulting Services Ltd. delivers comprehensive transformation strategies to the financial sector. We serve Payment Service Providers and Payment Terminal Service Providers, Mobile Money Operators, banks, microfinance institutions, leasing companies, FinTechs, and regulators.
We founded Cedratech to connect financial institutions with the regulatory frameworks that govern them, while applying emerging technology to real operational needs. Our support spans strategic consulting, technology design, and regulatory alignment — covering digital payments and institutional modernization, open banking and interoperability, RegTech and SupTech for regulators and central banks, digital lending and MSME finance, ESG and green-finance integration, financial inclusion models for women-led businesses, and compliance frameworks for AML/CFT, data protection, and cybersecurity.
Our method stays results-based and grounded in international standards including PSD2/PSD3, ISO 20022, the FATF Recommendations, MiCA, DORA, and ISO 27001. Each engagement follows a clear lifecycle — diagnostic and assessment, design, deployment, capacity building, and impact evaluation — so that every result remains sustainable and fully owned by the institution.
Our deliverables include strategic blueprints, HLD and LLD solution designs, digital product frameworks, procedural manuals, operational guidelines, and training curricula aligned with international development and donor standards. At Cedratech, we build more than systems; we build the foundations for resilient, inclusive, future-ready financial ecosystems that pair technology innovation with strong governance and lasting impact.
Elias Tayeh, Founder & CEO of Cedratech Consulting Services Ltd., brings more than twenty-five years of international experience in digital finance, fintech strategy, and payments innovation. He has held senior and C-level roles across the Middle East, Africa, and Europe, leading fintech and digital payments operations on the ground.
Worki
Elias Tayeh, Founder & CEO of Cedratech Consulting Services Ltd., brings more than twenty-five years of international experience in digital finance, fintech strategy, and payments innovation. He has held senior and C-level roles across the Middle East, Africa, and Europe, leading fintech and digital payments operations on the ground.
Working through leading international implementing organizations, Elias Tayeh has delivered technical assistance 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, the International Labour Organization (ILO), and the Government of the Kingdom of the Netherlands. This work supports central banks, financial institutions, and microfinance providers across digital transformation, regulatory modernization, and product innovation.
His areas of expertise include open-banking frameworks, digital-lending and MSME-finance solutions, RegTech and SupTech development, AI-driven risk management, consumer protection, and ESG integration in finance.
His academic and professional credentials include an MBA in International Business from the University of Liverpool (UK) and a B.Sc. in Computer Sciences from Collège des Frères Mont-la-Salle (Lebanon), together with Certified FinTech Professional (University of Hong Kong), FinTech Regulation and Policy (EIMF Cyprus), Financial Markets with Honors (Yale University), Political Economy of Institutions and Development (Leiden University), and 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.
Waht We Do
We help financial institutions and regulators move from strategy to working systems. Our practice covers digital transformation and institutional modernization, open banking and interoperability, RegTech and SupTech for regulators, digital lending and MSME finance, ESG and green-finance integration, financial inclusion for wome
Waht We Do
We help financial institutions and regulators move from strategy to working systems. Our practice covers digital transformation and institutional modernization, open banking and interoperability, RegTech and SupTech for regulators, digital lending and MSME finance, ESG and green-finance integration, financial inclusion for women-led businesses, and compliance across AML/CFT, data protection, and cybersecurity. Alongside this, we deliver training and human-capital development that leaves each institution ready to run the systems we design together.
№ 01 Banking & Microfinance: access to capital.
№ 02 Payments & FinTechs: secure payment rails.
№ 03 Regulators & Public Sector: modern policy.
№ 04 Telecom & Mobile Money: mobile-first inclusion.
№ 05 Specialty Finance: leasing, factoring, and more.
We guide banks, payment providers, and microfinance institutions through end-to-end transformation — from diagnostic and target operating model to system design and rollout. The result is a modern institution that owns its technology and its roadmap.
We design open-banking frameworks and interoperability platforms aligned with PSD2/PSD3 and ISO 20022, so that data and payments move securely across the ecosystem and unlock new products and partnerships.
We support central banks and supervisory authorities with the tools and frameworks for digital-era oversight, including supervisory technology design, reporting modernization, and risk-based supervision.
We design digital-lending products and MSME-finance solutions that expand access to credit, with particular focus on inclusive models for underserved segments and women-led businesses.
We build compliance frameworks across AML/CFT, data protection, and cybersecurity, anchored in the FATF Recommendations, MiCA, DORA, and ISO 27001, so institutions stay secure and audit-ready.
We deliver training and human-capital development for leadership and operational teams, using practical, workshop-based methods that leave every institution ready to operate independently.