iCombine is a consulting business that supports development and enablement of new ideas. We mainly operate in the Financial Services sector. We have concentrated our efforts on the 'gritty world' of execution where it seems most great ideas seem to fail; especially in large enterprises. Areas of work have included strategy formulation, business modelling, product development, project implementation, service operationalisation, marketing and sales. We have been facilitating the development of new payment solutions and adapting the environments they run in, often involving: design, high-level architecture, business case modelling, vendor negotiation, process development, sensitive data, security, compliance, complexity, data networks and communication services. We use our diverse knowledge, skills and experience to facilitate results often making use of the resources available in our customer enterprises.