Service suite

Nine ways we make your payments safer, cheaper and compliant

Every engagement is built on your own data, your own flows and the rules of the markets you actually operate in. Pick the problem that sounds most like yours — or tell us about one that is not listed.

Book a free consultation Message us on WhatsApp

Payments Risk & Compliance

Identify, assess and mitigate the risks that sit inside every payment you process — and prove your controls work.

We map your payment flows end to end, pressure-test the controls around them, and close the gaps that regulators, schemes and acquirers care about. The output is a risk framework your team can actually operate, not a binder that gathers dust.

Enquire about this Or book a 30-min call

What you get

Payments risk register and control matrix
Scheme, AML/CFT and licensing gap assessment
Control effectiveness testing and remediation roadmap
Board and regulator-ready reporting pack

Outcome: Fewer surprises in audit, faster approvals from partners and regulators.

AI Risk & Model Governance

Deploy AI in risk, fraud and onboarding decisions with the governance to defend it.

From fraud scoring to KYC automation and agentic operations, we help you adopt AI where it pays and govern it where it counts — model inventories, bias and drift monitoring, human-in-the-loop design, and documentation aligned to emerging AI regulation.

Enquire about this Or book a 30-min call

What you get

AI use-case prioritisation for risk and compliance operations
Model inventory, risk tiering and validation standards
Bias, drift and explainability monitoring design
AI governance policy mapped to EU AI Act and local guidance

Outcome: AI that improves decisions without creating a new class of unmanaged risk.

Fraud Prevention

Proactive measures to detect, deter and mitigate fraud across the payments ecosystem.

We design the strategies and controls that stop unauthorised transactions, identity theft, account takeover and first-party fraud — balancing loss rates against friction so growth is never the casualty of a rules engine.

Enquire about this Or book a 30-min call

What you get

Fraud typology and loss-driver analysis
Rules, scoring and machine-learning strategy design
Chargeback and dispute management playbooks
Fraud KPI framework and analyst operating model

Outcome: Lower fraud losses, fewer false positives, measurably better approval rates.

Cross-border & B2B Payments

Build corridors and B2B payment flows that clear reliably, price competitively and stay compliant.

We work through corridor economics, partner and correspondent selection, settlement and liquidity design, and the sanctions and licensing questions that decide whether a corridor is viable before you commit engineering effort to it.

Enquire about this Or book a 30-min call

What you get

Corridor feasibility and unit economics modelling
Partner, PSP and correspondent due diligence
Settlement, FX and liquidity operating design
Sanctions screening and cross-border compliance review

Outcome: Corridors that launch on evidence rather than optimism.

Merchant Payment Strategy

Optimise payment acceptance, cut cost of payments and lift authorisation rates.

We guide businesses that accept payments to optimise acceptance, mitigate risk, meet regulatory requirements and improve the efficiency of the whole payments stack — so customers get an exceptional checkout and finance gets a lower cost per transaction.

Enquire about this Or book a 30-min call

What you get

Acceptance, routing and PSP mix review
Authorisation-rate and decline diagnostics
Cost-of-payments and interchange optimisation
Checkout and payment-method roadmap by market

Outcome: More approved transactions at a lower blended cost.

Policy & Regulation

Translate the rules — licensing, e-money, data and AI — into decisions your business can act on.

We interpret the laws, regulations, guidelines and industry standards that govern financial institutions and payment service providers, and help you engage constructively with regulators, associations and central banks across multiple jurisdictions.

Enquire about this Or book a 30-min call

What you get

Multi-market licensing and permissions analysis
Regulatory change monitoring and impact assessment
Policy positions, consultation responses and regulator briefings
Open banking and data-protection readiness review

Outcome: Expansion decisions made with regulatory reality priced in.

Product Strategy

Create, enhance and optimise payment products that customers trust and adopt.

We help you develop and implement a plan to build or sharpen products that address the real needs of customers in the payments industry — pairing commercial modelling with risk and compliance realities so the roadmap survives contact with launch.

Enquire about this Or book a 30-min call

What you get

Customer, competitor and jobs-to-be-done research
Pricing, packaging and revenue modelling
Product and go-to-market roadmap
Risk-by-design requirements for build teams

Outcome: Revenue growth and durable trust in a complex ecosystem.

Market & Industry Research

Systematic analysis of trends, regulation, competitors and emerging risks in your markets.

We investigate and analyse trends, regulations, best practices and emerging risks within the payment industries you operate in, then evaluate market dynamics, competitive forces and opportunities so decisions rest on evidence rather than anecdote.

Enquire about this Or book a 30-min call

What you get

Market sizing, landscape and competitor mapping
Regulatory and emerging-risk scan by market
Primary interviews with operators and experts
Decision-ready briefing with recommended actions

Outcome: Clarity on where to play and how to win, market by market.

Investor Due Diligence

Know exactly what risk, compliance and growth reality you are buying into.

We conduct thorough investigations and assessments of potential investments in payment-related businesses, giving investors comprehensive insight into the risks, compliance obligations and growth prospects of their targets — before the term sheet is signed.

Enquire about this Or book a 30-min call

What you get

Licensing, compliance and scheme-standing review
Fraud, chargeback and loss-exposure assessment
Technology, data and AI risk appraisal
Red-flag report with valuation-relevant findings

Outcome: Investment decisions made with the downside fully mapped.

Not sure which one you need?

Describe the problem. We'll tell you which service fits — or that you don't need us.

Most conversations start with a symptom rather than a solution: rising chargebacks, a licence knock-back, a corridor that will not scale, a model nobody can explain. Start there.

Book a free consultation See engagement models

No pitch decks. A 30-minute conversation and an honest answer.

How we work together

Three ways to engage us

Scope and price are agreed before work starts. No open-ended hourly billing, no surprise change orders.

Engagement

Diagnostic sprint

Fixed fee2–3 weeks

A fast, evidence-based read on where your risk, compliance or cost exposure actually sits.

Payment flow and control walkthrough
Data-led risk and loss analysis
Prioritised findings with severity ratings
Remediation roadmap and effort estimate

Best for: Teams that suspect a problem but need it quantified before committing budget.

Enquire

Most common

Project engagement

Scoped fee1–6 months

End-to-end delivery of a defined outcome: a framework, a licence application, a corridor launch, a fraud overhaul.

Dedicated senior lead throughout
Specialists drawn from our expert network
Implementation support, not just recommendations
Board and regulator-ready documentation

Best for: Organisations with a clear objective and a deadline attached to it.

Enquire

Engagement

Advisory retainer

MonthlyRolling

Ongoing access to senior payments risk, compliance and AI judgement as questions arise.

Agreed monthly capacity
Regulatory change monitoring for your markets
On-call support for incidents and scheme notices
Quarterly risk review with your leadership

Best for: Scaling businesses that need expertise on tap without a senior hire.

Enquire

What to expect

From first call to proven controls

Diagnose

We start with your data, flows and controls — not a template. Within two weeks you have a clear picture of where risk, cost and regulatory exposure actually sit.

Design

We build the framework, strategy or product plan around your operating reality, drawing on our network of specialists wherever depth is needed.

Deploy

We work alongside your team through implementation — writing the policy, tuning the rules, briefing the regulator, training the analysts.

Prove

We test the controls, measure the outcome and leave you with reporting your board, auditors and partners can rely on.

Who we work with

Clients worldwide, with deep roots in emerging markets

Payment service providers
Banks & microfinance
Mobile money operators
Fintech scale-ups
Marketplaces & platforms
Remittance businesses
Digital lenders
Investors & funds
Regulators & associations

Over 100 engagements across more than 25 African markets, plus global clients who need that perspective.

Talk to us about your market

Feel free to ask us anything

Let's talk about the risk keeping you up at night

Do not hesitate to enquire about any topic of interest. Whether it is a scheme notice, a licence application, a fraud spike or an AI model you are not sure you can defend — tell us the problem and we will tell you honestly whether we can help.

Start a conversation Book a free 30-min call

Based in: Nairobi, Kenya — working with clients worldwide
Response time: Within one business day

Email uscontact@hummingbirdaiandrisk.comWe reply within one business day

Book a call30-minute intro callFree, no obligation, straight answers

WhatsAppMessage us directlyFastest route for urgent matters

Call us+250 788 000 000Mon–Fri, 08:00–18:00 CAT