Osama Ali Khan

I provide specialized

FinTech consulting services

 to banks, financial institutions, payment service providers, and digital finance startups, helping them design, build, optimize, and scale secure, compliant, and high-performance financial solutions.

Core Service Areas

Digital Payments & Switching

  • Card payments (POS, ATM, e-commerce)
  • ISO 8583 / ISO 20022 message design and validation
  • Payment gateways, acquiring, issuing, and settlement flows
  • Instant payments, ACH, RTGS, and local scheme integrations

Digital Banking & Wallet Solutions

  • Consumer, merchant, and corporate wallets
  • Onboarding flows, KYC levels, limits, and risk controls
  • Account, balance, and transaction management
  • Loyalty and value-added services

Regulatory & Compliance Advisory

  • Central bank regulations and policy alignment
  • KYC, AML, CFT, and sanctions screening frameworks
  • PCI-DSS, data privacy, and audit readiness
  • Risk assessments and compliance gap analysis

Product Strategy & Execution

  • Product ideation and roadmap definition
  • MVP planning and feature prioritization
  • Business and technical requirement documentation
  • Go-live planning and post-production support

System Architecture & Integration

  • End-to-end solution architecture
  • Core banking and third-party integrations
  • API design, middleware, and orchestration
  • Legacy system modernization

Operational & Performance Optimization

  • Transaction monitoring and reconciliation
  • Fraud detection frameworks
  • Performance tuning and scalability planning
  • Operational dashboards and MIS reporting

Database Engineering, Oracle PL/SQL & Data Migration

  • Oracle Database design, optimization, and performance tuning
  • Advanced PL/SQL development for financial transactions, batch processing, and reporting
  • Data migration from legacy systems to modern banking and payment platforms
  • High-volume transaction data handling, reconciliation, and archival strategies
  • Database support for regulatory reporting, MIS, and audit requirements

My consulting approach combines deep financial domain expertise, regulatory understanding, and hands-on technical execution, ensuring solutions are innovative, compliant, and production-ready.

0 +

Years of collective experience

0 %

Remarkable client satisfaction rate

0 +

Successfully created projects

4 Easy Steps To Achieve Your Goals

My consulting process combines deep financial domain expertise, regulatory understanding, and hands-on technical execution to deliver secure, compliant, and production-ready FinTech solutions.

01

Initial Consultation

Understanding your business model, regulatory environment, and technical landscape including payments and core banking systems.

02

Planning & Solution

Designing solutions for payment architecture, digital wallets, API integration, and regulatory compliance that fit your needs.

03

Implementation

Providing architecture development, system integration, database optimization, and technical resources for execution.

04

Review and Support

Ongoing performance tuning, monitoring, compliance support, and operational assistance post-launch.

Pricing

Engagement Models & Rates (Indicative)

Rates may vary based on scope, complexity, duration, and regulatory requirements.

Hourly Consulting

Daily Consulting

Monthly Retainer

Project-Based Engagement

Testimonials

What our valuable customers said

Below are some reviews from our clients about our business and financial consulting services.

"We reached out to Bizio when our company was facing financial challenges that were impacting our growth. Their deep understanding of financial strategies helped us stabilize our cash flow and improve profitability!"

    Philip Hodgson
    Philip Hodgson

    Founder InterEX

    "We have worked with a number of consultants over the years, but none have provided the strategic value that Bizio did. They helped us redesign our financial forecasting system, enabling us to predict trends and make more informed business decisions!"

      Vera Walters
      Vera Walters

      Owner FinFirm

      "As a small business owner, I was struggling to make sense of complex financial data. Bizio not only provided clarity but also helped me streamline my accounting processes, saving time and money!"

        Ainsley Banks
        Ainsley Banks

        CEO DisCOM

        "The guidance and consulting we received from Bizio were game-changing. Not only did they help us optimize our investments, but their advice on risk management!"

          Gabrielle Brooks
          Gabrielle Brooks

          Owner ManFirm

          "Working with this team completely transformed our financial strategy. Their deep understanding of market trends and risk management helped us navigate turbulent times!"

            Oscar Burgess
            Oscar Burgess

            Founder LogiCO

            "The business consulting team provided invaluable insights and strategies that helped us refine our market positioning. Their tailored solutions allowed us to streamline operations!"

              Lizzie Harris
              Lizzie Harris

              Owner FinINS