Digital Finance · Digital Payments · Digital Public Infrastructure

The advisory partner for the institutions building the future of digital finance.

Cedratech is a boutique consultancy working where financial institutions, regulation, and technology meet — designing the payment systems, digital public infrastructure, and institutional capabilities that resilient, inclusive economies depend on.

A specialist firm for a specialized market.

We work exclusively in digital financial services — a niche that rewards depth over breadth. From national payment rails and digital public infrastructure to payment gateways, terminal fleets, agency banking, and inclusive lending, our engagements share one thread: helping institutions move from strategy to systems that work, and run them with confidence long after we leave.

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Our Practice Areas

Digital Payments & Acquiring

Payment gateways, switching, processing and merchant acquiring — the secure rails that move money at scale.

Terminal & Merchant Management

POS and payment-terminal estate strategy, TMS design, and merchant lifecycle operations for PSPs and PTSPs.

Digital Public Infrastructure

Instant-payment systems, interoperability layers and the shared rails that let a whole market scale.

Agency Banking & Financial Inclusion

Agent-network models, mobile money and inclusive designs that reach underserved segments.

Open Banking & Interoperability

Open-banking frameworks and API ecosystems aligned to PSD2/PSD3 and ISO 20022.

Digital Transformation & Modernization

End-to-end institutional transformation, from diagnostic and target operating model to rollout and ownership.

RegTech & SupTech

Supervisory technology, reporting modernization and risk-based supervision for the digital era.

Digital Lending, BNPL & MSME Finance

Digital-credit products — including e-lending and BNPL — that expand access responsibly.

Compliance, Risk & Cybersecurity

AML/CFT, data protection and cyber-resilience frameworks — secure and audit-ready.

End-to-End Solutions

From idea validation to operations management, we act as your single accountable partner for design, build, and launch.

Built for Innovators

We provide early-stage teams with the senior expertise required for licensing, regulatory strategy, and operational readiness.

CedraTek Platform

A modular, three-layer trust architecture for digital finance.

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Cedratech Academy

Capacity building, executive workshops, and technical training.

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