Payarto offers comprehensive payments advisory services to all members of the ecosystem. We are comprised of two competence domains: business advisory & technology advisory. Scope of technology advisory: - system analysis - system architecture design - IT system selection process - design & implementation of custom made payment systems - development, optimization & maintenance of payment systems - integration of new solutions with existing ones - preparation, execution & testing of IT solutions - innovation implementation support Scope of business advisory: - payment offering strategy preparation - customer segment and channel strategy - new regulation impact analyses - card business health check diagnoses - sales, activation and retention processes design & optimization - preparation of P&L for issuing and acquiring business - feasibility studies, PoC , business cases & financial models for payment innovations - customer segmentation analyses - product value proposition