Accelerate and Streamline Your Digital Payment Strategy
about us
- Digital Rails Of Africa is a network of Consultants and Experts in Digital Financial Services ( DFS ) who gather their expertise and knowledge of African Payments Ecosystems with the aim to foster Financial Inclusion , Digital Innovation and DFS adoption. Most of our experts have a deep understanding of payments hurdles and help Central Banks , Commercial Banks , MNOs , MTOs , Fintechs , ... developping outstanding strategies.
- Digitals Rails Of Africa can mobilize its Partners and Experts and build world class consulting teams to accompany Customers in buidling their Strategy Development plans , and support them in the crucial Implementation phase . Our Customers beneficiate from Experts in terms of project management methodologies and capacity building , in the cutting edge field of Digital Payments .
.jpeg)
Our field of actions
WHY CHOOSE US?
Financial Institutions need Expertise to tackle the complexity of the Payments Business.
Our Experts and Consulting Partners have years of experience of driving complex projects or payments infrastructures in Africa. This expertise allows Digital Rails Of Africa's Consultants to go straight to the point and to deliver in reduced delays.
We can leverage this expertise in several domains like Instant Payments, Mobile Payments , Cards transactions Acceptance and eCommerce , Embedded finance , and so force , to bring clear and applicable Strategies to our Clients.
Our Team
FOUNDER AND DIGITAL FINANCIAL SERVICES EXPERT
Mikael Naciri
Former CEO of CMI, the Moroccan national acquirer , and with 30 years in the fields of financial services, payments and digital, Mikael is an international expert working for international donors and institutions
Mikael’s expertise and experience allows him to operate nowadays in the whole African continent to lead important digitization projects.
Passionate about innovation and financial inclusion, he currently works as Digital Financial Services Expert in Sub Saharian and Central Africa supporting digital strategies implementation for switches and Central Banks.
STRATEGY AND INNOVATION EXPERT
Mehdi Karoui
Strategy consultant with more than 12 years of experience in the fields of strategic development, market research and analysis and operational implementation, Mehdi is the co-founder of Slide it , and resident advisor for IFC in Tunisia and Morocco.His fields of expertise covers data and technology, financial services and innovation. Mehdi managed several projects in Tunisia and Morocco and developped a solid expertise in Strategic Development of payments infrastructures ie switches and ACHs , Banking for Women , eGov projects deployment and Financial Inclusion.
IT AND BANKING solutions EXPERT
Tarik Belhaj
Since 2002, Tarik Belhaj has led several missions in the Banking and Finance sector in Africa and Europe as a Senior Consultant.
He's an expert in streamlining banking processes and associated information systems. With his solid experience in strategic organizational and technological solutions deployment , Tarik provides outstanding outcomes for the clients , in complex missions of IT systems development and migration . Tarik has strong abilities to coordinate and manage operational teams of consultants who deliver within tight deadlines.
Change Management and Organization Expert
Marine Picherit
Marine has 15 years of experience in consulting and managing transformation projects. In recent years, she specialized in the digitalization of payments and financial inclusion in Africa and supports Clients in their strategic development. Her experience in consulting and banking allows her to address numerous topics related to organizational transformation, digitalization of processes, project management assistance, improving operational efficiency and change management support. Marine founded in 2020 Ytto Consulting, a consulting company focused on supporting business transformation across Africa.
StRATEGIC DEVELOPMENT
Switch and ACH
- Design of a Strategic Development Plan for a major cards and instant payments switch in Tunisia that reshapes Business model , Governance , Technology , Risk management , HR and Products portfolio
- Diagnostic and strategy design for the Tunisian ACH
- Monitoring of the strategic plan implementation
- Design and full implementation of a bills payment aggregator plateform
.jpg)
DIGITAL TRANSFORMATION
Multichannel Commercial Bank
- Design of a complete road map to plug legacy IT Core banking System with a newly deployed mobile money plateform
- Developping a strategy to push customer towards digital channels
- Design of An PIs and microservices' strategy to avoid sacrificing legacy systems
- Develop a Change management approach for clients and HR
.png)
MArketing
Loyalty Program for Issuers and acquirers
- Cards usage and transactions analysis
- Design of dedicated programs for each target
- Partnerships management with schemes and merchants chains
- Impact Monitoring in terms of usage , #of transactions , additional revenue , ...
- Budget and ROI assesment
- All inclusive management of the programs
MOBILE MONEY - INSTANT PAYMENTS
Business Plan and Technology Integration
- Design of Business plans
- Impact of fees policy evolving on the Profits
- Design of the mechanisms and solutions to tackle liquidity challenges
- Integration to switches for interoperable services
- Strategic analysis of products protfolio
They trust us
.png){kind=logo}
