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We listen, we understand, and we deliver.

We don’t just consult—we collaborate. In the complex world of payments, we’re the strategic ally that turns your challenges into breakthrough opportunities. Our consultants are strategic partners who empower you to transform challenges into opportunities with confidence.

Whether you’re looking to refine your payment strategy, optimize your business model, or navigate regulatory landscapes, we can help.

Optimize control over your business model.
Refine pricing strategies.
Accelerate your business goals
Challenge, approach, result

Let us guide you

With our deep payments expertise and collaborative approach, we’ll help you navigate change, seize opportunities, and thrive in a dynamic payments landscape

psychology

What was our approach?

Our approach is to guide stakeholders toward Instant Payments through a combination of market insight, structured coordination, and operational expertise. We focus on helping institutions and market bodies to:

  • Align priorities and implementation roadmaps across banks, processors, and scheme operators
  • Translate scheme and regulatory requirements into actionable operational frameworks.
  • Define consistent principles for risk, liquidity, and exception management in a 24/7 context.
  • Build shared understanding and readiness across the ecosystem to ensure sustainable adoption.

This structured, collaborative approach supports accelerated adoption while maintaining operational stability.

Approach
extension

What was the challenge?

Banks and payment institutions across Europe are expected to enable Instant Payments to meet regulatory expectations and customer demand for real-time transfers. While infrastructures such as EBA Clearing (RT1) and TIPS are in place, many market participants face challenges aligning legacy systems, liquidity management, and 24/7 operations with EPC SCT Inst scheme requirements. The challenge lies in turning strategic intent into operational readiness , across technology, processes, and compliance.

Challenge
insights

What was the result?

Trust is the core of payments. Operating in Europe requires a clear understanding of local and EU regulations. Compliance isn’t easy; the fast-paced regulatory environment demands precision, planning, and proactive governance.

New challenges like fraud prevention, operational resilience, and financial inclusion, alongside regulations like PSD3, PSR, DORA, and EEA, increase obligations and costs. These pressures can limit innovation and growth, forcing businesses to make tough choices.

Result
Challenge, approach, result

Let us guide you

With our deep payments expertise and collaborative approach, we’ll help you navigate change, seize opportunities, and thrive in a dynamic payments landscape

psychology

What was our approach?

Our approach is to guide stakeholders toward Instant Payments through a combination of market insight, structured coordination, and operational expertise. We focus on helping institutions and market bodies to:

  • Align priorities and implementation roadmaps across banks, processors, and scheme operators
  • Translate scheme and regulatory requirements into actionable operational frameworks.
  • Define consistent principles for risk, liquidity, and exception management in a 24/7 context.
  • Build shared understanding and readiness across the ecosystem to ensure sustainable adoption.

This structured, collaborative approach supports accelerated adoption while maintaining operational stability.

Approach
extension

What was the challenge?

Banks and payment institutions across Europe are expected to enable Instant Payments to meet regulatory expectations and customer demand for real-time transfers. While infrastructures such as EBA Clearing (RT1) and TIPS are in place, many market participants face challenges aligning legacy systems, liquidity management, and 24/7 operations with EPC SCT Inst scheme requirements. The challenge lies in turning strategic intent into operational readiness , across technology, processes, and compliance.

Challenge
insights

What was the result?

Trust is the core of payments. Operating in Europe requires a clear understanding of local and EU regulations. Compliance isn’t easy; the fast-paced regulatory environment demands precision, planning, and proactive governance.

New challenges like fraud prevention, operational resilience, and financial inclusion, alongside regulations like PSD3, PSR, DORA, and EEA, increase obligations and costs. These pressures can limit innovation and growth, forcing businesses to make tough choices.

Result
About

Our unique expertise

Strategy Validation

We’re here to sharpen your strategy, strengthen your position, and set you up for success.

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Impact Assessments

Connective Payments takes a tailored approach, recognizing that each business has unique characteristics and regulatory challenges. Through careful navigation of regulatory requirements and close collaboration with legal experts, we develop pragmatic solutions for our clients.

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Partner Strategy & Vendor Selection

In today’s fast-moving payments landscape, even small oversights can bring big consequences. Reliable funding, strong partnerships, and robust strategies are vital for scaling, transforming, or adopting new technologies and regulations.

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Founded in
2014
Projects
260
Clients
75
Expert team
200+
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Stefanie Lambeens
Senior Consultant
Connect

Would you like to know more?

The Connective Payments team closely collaborates with you to tailor the approach to your specific needs.

Get in touch
Stefanie Lambeens
Senior Consultant
Connect

Apply directly

Please contact Stefanie Lambeens or fill in our online application form.

Contact details
stefanie.lambeens@connectivepayments.com
+316 344 768 84