Accelerate payments & banking transformation with technology consulting services

Gain clear roadmaps, optimized workflows, and resilient architectures for sustainable growth.

How Opus helps

Banks, payment providers, credit unions, and fintechs must modernize legacy systems, unlock digital agility, and deliver seamless, personalized experiences to stay aligned with evolving market demands and customer expectations. At Opus, our goal is to help you balance innovation with operational reliability and regulatory compliance for long-term success.

As your strategic consulting partner, we work alongside you to modernize core platforms, accelerate releases, and develop scalable, secure infrastructure. This collaboration helps you stay agile and innovate continuously in a dynamic market environment.

Our consulting services

Digital strategy & transformation

Accelerate your journey to future-ready financial services with strategies that unlock new growth opportunities. Harness proven open banking, embedded finance, and payment modernization strategies backed by proven industry experience to create seamless, secure ecosystems tailored to evolving market needs.

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Banking & payment product consulting

Bring products to market faster and expand their capabilities with expert guidance. From new launches to feature expansions and solution optimization, we partner with you to build differentiated offerings that meet customer demands and regulatory standards confidently.

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Business process consulting

Drive agility and operational excellence by transforming your payment and financial workflows. Powered by a suite of industry-leading frameworks, tools, and accelerators we streamline complex processes, automate repetitive tasks, and design shared services that scale efficiently without compromising compliance.

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Technology advisory

Modernize and future-proof your technology landscape for maximum resilience and innovation potential. Get expert strategic advice on architecture design, tool rationalization, and technology selection, aligning your infrastructure with business goals and regulatory requirements.

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Meet the Opus consulting team

The team partners with clients to define strategy, shape future-state visions, and build pragmatic roadmaps, translating them into scalable architectures and high-performance execution, creating measurable, long-term impact for clients and partners.

Ajay Hingane

Head of Consulting Practice

Debashis Bhattacharyya

Head of Tech Advisory Consulting

Debashis Bhattacharyya

Head of Tech Advisory Consulting

Debashis(Deb) leads the Technology Advisory Consulting Team at Opus Technologies, driving Architecture, Design, Digital Strategy , and Transformation across the banking and payments industry. He brings domain native engineering to the foray combining deep industry expertise with modern technology. He specializes in consulting, architecting, and delivering next-generation payment ecosystems. Having designed and architected several systems at scale, including SRC (Click to Pay), Mobile POS, NFC, and QR-based SDKs and Apps, BIN IIN Management system, Tokenization, Switching and Card Management Platforms, Data Platforms, and Acquiring solutions, he ensures that technology enables innovation and drives quality and growth.

Deb contributes to the four core pillars of Opus Consulting, leveraging technology as a catalyst to deliver end-to-end transformation:

Digital Strategy & Transformation: Deb advises CTO/CIO and Technology Executives stakeholders on technology and architectural blueprints for successful transformation.
Product Consulting: Deb guides the team on technology aspect of Products and consults on future-ready technology foundations to augment product features.
Business Process Consulting: Deb assists in the technology aspects of processes, aligning to the larger goal of the initiatives.
Technology Advisory & Future State Design: Guiding organizations through legacy modernization, including Architecture refactoring, cloud native adoption, API first solution, event-based solutioning, and AI adoption and innovation across the Banking and Payment industry. He collaborates and works with stakeholders from both Business and Enterprise Architecture teams – discussing design, tool selection, cloud migration strategy, security posture, threat models, Integration patterns, compliance, NFRs, KPIs, SLOs and driving strategic technology decisions. He has assisted clients certify products in the marketplace and has guided them through the journey of cloud computing and marketplace certification. Deb further employes Opus.AI and Opus’ accelerators to expedite delivery lead times in the consulting phases.

He leads the tool assessment and rationalization initiatives, and assists clients evaluate current technology landscapes, eliminate redundancies, and adopt optimized toolchains. He applies a state-of-the-art AI-based VSM tool created by Opus for performing the assessment activities.

Professional Philosophy

Deb believes in the “Domain Native Engineering mindset”, where deep industry context and modern engineering practices converge, ensuring Technology becomes a strategic lever that elevates financial institutions into true Financial Innovators

Where Domain Expertise Meets High-Performance Engineering

Enabling banks, payments providers, and fintech innovators to simplify, scale, and succeed in a real-time economy

Listen to our CRO share the industry segments Opus focuses on and how we help global clients turn strategy into structured execution.

Success stories

Launching an acquirer-led BNPL platform for a leading payments solutions provider

A leading provider of end-to-end acquirer solutions aimed to launch an acquirer-led BNPL solution to help merchants increase sales and retention in response to rising consumer demand for flexible, omnichannel payment options. We developed an integrated BNPL platform with instant credit decisions, customizable payment tenures, seamless checkout integration, and modular APIs.

≈40% Faster time to market

5-10% increase in transaction count

20-40% uplift on Average Ticket Size

Georgia, Atlanta

Enabling embedded finance for next-gen fintech growth

A rapidly-scaling fintech provider needed to launch robust BaaS and payment products to support partner onboarding, compliance, and seamless fund transfers. Opus built a Stripe-integrated, microservices-based platform with instant card issuance, automated onboarding, and intuitive dashboards for real-time spend management. 

<8 weeks to MVP launch

5x faster B2B partner growth

Built-in compliance minimized cost and regulatory complexity 

USA

Card personalization platform modernization for fast, scalable client onboarding

A leading card personalization provider transformed fragmented onboarding into a modular, automated cloud platform with seamless integrations and microservices. Opus delivered workflow automation, improved user experience, and rapid onboarding for both small and enterprise clients.

60% faster client onboarding time

Significantly improved user experience

Fully integrated workflow-based automation

USA

Frequently Asked Questions

Does Opus provide both consulting strategy and end-to-end execution support?

Our banking transformation services run from current state diagnosis and future state design through to architecture, build, and delivery. We don’t hand off a roadmap and walk away. Our teams stay engaged across the transformation lifecycle, accountable to the business outcomes we helped define.

Can Opus help us implement open banking or embedded finance solutions?

Open banking and embedded finance require both technical depth and regulatory awareness, and most institutions underestimate how complex that combination is. At Opus, we’ve built API-first platforms that connect banks and fintechs to third-party ecosystems securely and at scale. Whether you’re launching an open banking portal, enabling embedded lending, or building a PayFac platform, we design for interoperability, compliance, and speed to market from day one.

Will Opus work alongside our internal technology and product teams?

Opus works alongside your internal teams as a domain-native engineering partner, not a vendor delivering from a distance. We bring deep payments and banking expertise to complement what your teams already do well, filling capability gaps without displacing the institutional knowledge your people carry. The result is faster delivery, with less ramp-up friction.

What business outcomes can we expect from Opus consulting services?

Clients who work with Opus typically see a combination of outcomes: faster time to market for new products, lower operational costs through process and technology optimization, stronger regulatory readiness, and improved system resilience. Beyond the metrics, they gain a clearer roadmap and teams better aligned around execution. At Opus, we measure success by what changes in your business, not just what we deliver.

How do we get started with Opus consulting services?

Getting started is easy. The first step is to have a conversation to discover and understand what current opportunities, strategic priorities, and the biggest opportunities are. From there, Opus scopes an engagement to fit your timeline and objectives, whether that is a current state assessment, a future state design sprint, or a full transformation program. Contact our consulting team to schedule your first meeting.

About us

Opus is a trusted engineering partner to payment providers, banks and fintechs navigating change in a real-time, digital-first world.

Our promise is simple: Business Value Acceleration. Realization. Maximization.

We deliver on this promise through the Opus trifecta-a domain-native engineering skillset, a value-creation mindset, and an Al augmented toolset that drives business agility.

From MVP (Minimum Viable Product) to MPT (Maximum Possible Transformation), Opus turns engineering into business advantage.