Enterprise architecture & transformation
Aligning technology direction with business priorities, defining target states, transition roadmaps and governance for complex programmes.
PAYMENTS & OPEN BANKING / ENTERPRISE ARCHITECTURE
Architecture that
connects strategy
with delivery.
I help banks and fintechs turn complex payments, Open Banking and API challenges into clear architectural choices and practical delivery roadmaps.
01 / INTRODUCTION
THE PERSPECTIVE
Strategic perspective.
Architectural depth.
Practical delivery.
As former Chief Architect of the UK Open Banking programme (OBIE) and Founder and CEO of Apicunia, I combine industry-level architectural leadership with first-hand experience of building, commercialising and operating fintech services.
Transformation succeeds when business priorities, technology decisions and delivery teams share a common direction. I help establish that direction and turn it into services that work in practice.
Discover how I work ↗01 / EXPERTISE
Where I add value.
Deep sector knowledge, independent architectural judgement and a practical understanding of delivery.
Payments & payee trust
Architecture for payment services, account verification and fraud prevention, connecting scheme requirements to customer journeys and operational design.
Open Banking & financial ecosystems
Applying experience from UK Open Banking to financial APIs, third-party access, standards and ecosystem integration.
API strategy & platform modernisation
Establishing API-first approaches that connect platform engineering, governance, API gateway modernisation and CI/CD.
Consulting & technical leadership
Helping senior stakeholders understand architectural choices while remaining close to the technical detail that determines success.
Cloud strategy & transformation
Pragmatic cloud strategies and target architectures for financial services, including hybrid platforms, legacy modernisation and cloud-native services.
02 / SELECTED EXPERIENCE
From national infrastructure
to fintech innovation.
Selected engagements illustrating the breadth of my architectural leadership.
UK Open Banking
Chief Architect
Provided architectural leadership within the UK Open Banking programme (OBIE), translating policy and regulatory objectives into an implementable industry architecture and API ecosystem.
Central Bank — National Payments Infrastructure Modernisation
RTGS Replacement & ISO 20022 Migration
Strategic architecture advisory for the Central Bank of Armenia covering RTGS replacement, financial messaging and ISO 20022 migration, engaging senior central bank stakeholders including the Deputy Governor.
MyZoi
Fintech Architecture & Transformation
Enterprise architecture review and transformation advisory for payroll, digital wallets and international remittances, with a focus on scalability, resilience and embedded financial services.
Apicunia
Founder & CEO
Building Verification of Payee and Know Your Payee services for payment providers and corporate treasury use cases, connecting product strategy, scheme compliance and API delivery with commercial operations.
03 / HOW I WORK
Good architecture is
a collaborative act.
“An architecture is only as good as the stakeholders who collaborate on it.”
I believe successful architecture emerges through meaningful collaboration between business leaders, technology teams, delivery organisations and other stakeholders.
The goal is not simply an elegant design. It is an architecture that people understand, support and are committed to delivering.
↗
Specialist consulting partnerships
I collaborate with boutique and specialist consulting firms, contributing deep payments, Open Banking and enterprise architecture expertise as an integrated part of client engagements.
01
Start with the business context. Establish outcomes, constraints and choices.
02
Align architecture with strategy. Connect future-state architectures to achievable roadmaps.
03
Make decisions explicit. Evaluate credible options, document rationale and trade-offs transparently, and build stakeholder understanding and ownership.
04
Highlight the trade-offs. Assess integration, security, resilience and operational complexity.
05
Stay close to delivery. Link strategic direction to APIs, platforms and implementation decisions.
06
Build for operation. Plan how services will be supported, changed and governed.
05 / ABOUT
Bridging the boardroom
and the architecture.
I am a senior payments and technology leader, strategic architecture consultant and Founder and CEO of Apicunia. My experience spans industry infrastructure, major banking transformation, payments modernisation and fintech innovation.
I bring together the commercial, regulatory and operating-model dimensions of payments with deep technical architecture expertise — translating strategic objectives into executable architectures while retaining the technical knowledge to challenge designs and guide delivery.
06 / CONTACT
Let's discuss your
next challenge.
Payments modernisation, Open Banking, API strategy or independent architecture assurance — I'd welcome a conversation.