Nasser RahalMBA, P.Eng
Dubai--:--Toronto--:--Riyadh--:--  GCC hours: 06:00–10:00 Toronto is 14:00–18:00 Dubai
Payments modernization

Engagements for the next rail deadline

Each engagement has a fixed scope, named deliverables and a fixed fee, quoted after a short scoping call. Filter by where you operate.

Canada3–4 weeks

Real-Time Rail full-participation sprint

Canadian banks, credit unions and PSPs
  • Gap assessment from receive-only to sending
  • Liquidity and pre-funding model through Lynx
  • Fraud and irrevocability controls
  • Interac, payment hub and core impacts
  • 2027 roadmap and cost envelope
Leads to target architecture or a fractional architect role
UAE3 weeks

Aani instant payments readiness sprint

Exchange houses, wallets, finance companies and PSPs
  • Participation model and overlay services
  • Gaps against scheme and Central Bank requirements
  • Vendor and build options
  • 90-day onboarding roadmap
  • Board-ready summary
Leads to target architecture and vendor selection
Canada · US · GCC4 weeks

ISO 20022 phase-2 readiness diagnostic

Banks, switches and correspondent banking teams
  • Structured-address data remediation plan
  • MT101 exit
  • Exceptions and investigations readiness
  • Register of translation debt
  • 2026–2028 roadmap
Leads to a remediation programme with a design authority
US3 weeks

FedNow and RTP decision and business case

Community banks, credit unions and CUSOs
  • Use cases worth offering, not just connection
  • Rail choice: FedNow, RTP or both
  • Liquidity and operating model
  • Vendor options
  • 12-month plan
Leads to implementation oversight
Canada3–4 weeks

Consumer-driven banking readiness

Banks, credit unions and fintechs seeking accreditation
  • Obligations map by phase
  • Consent and API architecture
  • Accreditation evidence plan
  • Roadmap aligned to the final rules
Leads to architecture and build oversight
Canada · US · GCC8–12 weeks, then monthly

Target architecture and design authority

CIOs and heads of payments running several regulator-driven programmes
  • Target state across rails, Swift, open banking and cards
  • Vendor selection: RFP and scoring
  • Design authority set up and chaired
  • Programme mobilization
Continues as a retainer
Canada · US · GCC2–4 days a month, or 2–3 days a week

Fractional payments architect

Institutions without a senior payments architect in house
  • Chair the design authority
  • Challenge vendors and integrators
  • Support regulator and scheme responses
  • Quarterly roadmap refresh
6 to 12 months, renewable
Not sure which fits? Most clients start with the assessment closest to their next regulatory or scheme date. Book a call and I'll tell you which one, or whether you need none of them. Banks adding digital asset services may also want the VASP and digital asset engagements, or the Real-Time Rail and ISO 20022 topic hubs.