Our thoughts on Payments & Loyalty

We help payments organisations thrive by innovating to create and capture opportunities in a rapidly evolving market. The payments industry is evolving at pace responding to by changes in regulation, technology, society and consumer behaviour.

We work in close partnership with clients to help them innovate and prosper. We help banks, card companies, transaction processors, payment FinTechs, and non-financial services firms on issues ranging from overall payments strategy, customer loyalty strategy and implications to retail payments services, cash management, and payments technology.

Examples of what we do:

Payments Strategy

We bring a breadth of expertise to our work with clients, starting at the top with integrated cross-institution payments strategy and developing responses to the rapidly changing payments landscape.

Loyalty Strategy

We help clients develop customised loyalty strategies that enhance both the physical and digital customer experience that engage target audiences. We ensure alignment and consistency of the experience across channels and advise on technical solutions to match the clients’ target audience.

Corporate Payments

We help clients develop small-business payments services, corporate cash management, and interbank payments services.

Retail Payments

We support clients develop retail product strategies for credit and debit cards, ATMs, retail demand-deposit-accounts, and mobile payments.


We help define and execute strategies to outsource payments processing and infrastructure including card processing and acquiring, electronic funds transfer/automated clearing house processing, ATM driving and switching, and item processing.

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We have genuine faith in human abilities

Centigo is a value-based company. Our common values guide us through our way of operating and developing our own business as well as how we work with our clients.