Global Banking Experience. Proven Across Twenty-Plus Countries.
Most consultancies advise on payments. Our team has built, created, deployed, and integrated product IP globally: a niche discipline in payments and banking ecosystem transformation, proven inside regulated banks across North America, Europe, Africa, Asia, and Australia. Thirty-plus clearing systems, deployed across Tier 1, Tier 2, and Tier 3 institutions worldwide, put to work for your programme.
The Consulting Gap
Most firms sell frameworks.
We sell delivery experience.
Payments transformation programmes are delayed, run over budget, and become inefficient, not because the strategy is wrong, but because the advisors have never delivered live, end-to-end payments ecosystem expertise: channel, clearing, reconciliation, and settlement. We are practitioners who close this gap.
What generalist consultancies offer
What our team delivers
Our Team Credentials
Firsts, not follow-ons.
Every credential below is a verifiable industry first, delivered inside live, regulated production environments, not a claimed capability.
- Global Payments Cross-Border Transformation
- UK Faster Payment System transaction
- US TCH Real Time Payment transaction
- US Private Cloud Transaction Bank
- US 18+ Clearings across NA, EU and JAPAC
- Shaped market-leading products in clearing, settlement, and payments liquidity
- Digital Transformations
- 2001: 1st Payments Unit (i-flex)
- 2002: 1st Corporate Payment Hub AP/AR
- 2004: 1st Cross-Border Hub
- Payments Hub, Channel, Gateway
- Payments Simulator
- Clearing & Settlement
- Cash and Liquidity Management
- Hub, Gateway, and Regulatory programmes across NA, EU, MEA and JAPAC
- IP: Global Asset flow repository for payments initiatives, built for productisation
Our Team Experience
Payment rails, mapped
across the globe.
Direct implementation experience across High Value (RTGS), Instant Payments, and Bulk (ACH) rails in every major payments geography.
- More than 30 clearings enabled for an Enterprise Payments Product, spread across High Value, Instant Payments, and Bulk Payments rails
- Implementation of an Enterprise Payments Product across Tier 1, Tier 2, and Tier 3 bank offices across the globe
High Value (RTGS)
- USA: Fedwire, CHIPS
- UK: CHAPS
- Europe: Target2, EURO1
- Japan: BOJ-NET
- Australia: AU-RTGS (RITS)
- New Zealand: NZ-RTGS
- Hong Kong: CHATS
- Vietnam: CITAD
- Thailand: BATHNET
- Singapore: MEPS+
- Philippines: PhilPASS
- UAE: FTS
Instant Payments
- USA: TCH RTP, FedNow
- UK: Faster Payments
- Europe: SEPA Instant
- Vietnam: NAPAS
- UAE: IPI
Cross-Border
- SWIFT (High Value)
- Cross-Border ACH
Bulk Payments (ACH)
- USA: Fed ACH
- UK: BACS
- Europe: SEPA CT+DD
- Japan: Zengin
- Hong Kong: FPS CT+DD, Autopay CT+DD, CCASS + IAH
- Philippines: PesoNet
- UAE: DDS, WPS
Institutional environments where this delivery experience was built, across our team’s careers:
Our Consulting Services Portfolio
Ways to Engage.
From product build to programme governance, structured around how regulated institutions actually run transformation.
Digital Transformation Strategy
Powered by proven industry track record and processPain Point Analysis & Remedies
Identify challenges and propose actionable solutions tailored to your needs.
Business Case Assistance
Develop compelling, data-driven cases to support strategic decision-making.
AS-IS to TO-BE Blueprinting
Design clear pathways from current state to the desired future state.
Buy-Build-Coexist Decisions
Evaluate whether to purchase, build, or integrate solutions for maximum ROI.
Functional, Technical & Operational Architecture
Develop robust blueprints for scalable transformation.
Programme Execution & Cadence
Leveraging proven cadence practiceProgramme Board Setup & Governance
Establish governance frameworks to drive project success.
Vendor Evaluation & Selection
Assess and select the right partners for your business goals.
Business Requirements Elicitation
Translate business needs into actionable requirements.
Functional & Integration Requirements
Define technical and operational needs for seamless integrations.
Custom Development & Validation Services
Provide tailored development and rigorous testing for high-quality outcomes.
Product Management and Development
Leveraging global products IP creationEnd-to-End Product Management
From concept ideation to go-to-market strategies, we handle the complete product lifecycle.
Custom Software Development
Develop bespoke applications that align with your business goals.
Team Augmentation
Gain access to our skilled developers and product managers to strengthen your team.
Agile Delivery
Implement iterative development processes for faster time-to-market and improved quality.
About Us
Built by practitioners,
not advisors.
Arthagorus is led by financial services practitioners who spent decades inside regulated institutions before building the consulting practice that now serves them. Every engagement draws on live delivery experience, not theoretical frameworks.
Manish Inamdar
Co-Founder & Executive Director
29+ years of enterprise financial services leadership spanning global payments, real-time settlement infrastructure, and regulated banking transformation. Directed cross-border payment programmes across UK Faster Payments, US TCH Real-Time Payments, and 18+ clearing integrations across NA, EU, and JAPAC.
Vikrant Sant
Co-Founder & Executive Director
28+ years of enterprise architecture leadership with deep expertise in transaction banking systems, private cloud infrastructure, and financial platform engineering. Delivered core banking and payment processing systems for regulated US and UK financial institutions.
Dattaprasad Vaidya
Co-Founder & Non-Executive Director
25+ years of product strategy and design leadership as a practitioner in enterprise financial operations. Known as “DV,” he translates complex compliance and operational requirements into institutional-grade product and process design.
Institutional Engagement
Begin a conversation with the founding team.
Arthagorus engages selectively with regulated financial institutions on payments modernisation, product development, verification, and transformation programmes.
Global, cross-pollinated expertise, delivered at premium quality.