FMO Consulting | Payments.Innovation.Transformation

Principal

Faisal Omar

Senior counsel for the payments economy.

The Principal

25+ years engineering the digital rails of the payments economy. A career dedicated to driving financial inclusion and change. Former Chief Product Officer at a Tier-1 payments network and Chief Operations Officer at a fintech startup for emerging markets. Faisal provides strategic advisory and counsel to C-suite leaders and board executives at banks and telcos across Africa, Australasia and the Middle East to modernize legacy rails and deploy national scale payment architectures.

Specializing in the architectural redesign of national payment systems and the execution of high-stakes digital transformations. Translates complex regulatory requirements into executable product roadmaps, bridging the gap between global standards and local market execution.

Global Experience

4 Continents. 10+ Countries

Deep operational experience across developed and emerging markets, bridging the gap between global standards and local execution.

Strategic Hubs

Nairobi, Kenya Kenya

Dubai, UAE UAE

Singapore

Sydney, Australia

Strategic Mandates

Built on a 3 phased modernisation framework.

Foundation

Growth

Execution

Payments

Architecting the next generation of payment rails. From implementing ISO 20022 standards and real-time settlement systems to designing cross-border corridors and embedded finance frameworks. We solve for the friction between legacy institutional constraints and the demand for instant, programmable money.

Innovation

Translating visionary concepts into market-ready financial products. We integrate AI/ML frameworks to drive operational intelligence and hyper-personalization, leading the journey from concept validation to full-scale execution. Our focus is on building fintech ventures engineered for institutional stability and regulatory alignment.

Transformation

Redesigning the engine of the enterprise. We move beyond theoretical roadmaps to execute high-stakes platform migrations and digital operating model redesigns. By focusing on capability transfer and process automation, we ensure that transformation is not a temporary event, but a permanent competitive advantage.

OUR APPROACH

Strategy without execution is expensive noise.

We've seen brilliant strategies shelved. The gap between diagnosis and delivery is where value dies. FMO bridges that gap with hands-on implementation and capability building. Three Phases. Three clear Outcomes.

FOCUS

Measurable impact

METHOD

Execution-led

TIMELINE

3-18 months

01

Phase 1 • Discovery

Map the landscape and align on priorities

Deep dive into your current infrastructure, customer journeys, and competitive positioning. We identify the bottlenecks preventing scale and the opportunities for immediate performance uplift.

Outcome: Prioritized Strategic Roadmap

02

Phase 2 • Design

Co-create future state architecture

Develop technical blueprints, product roadmaps, and target operating models. We bridge the gap between business vision and engineering reality, ensuring compliance and scalability.

Outcome: Target Operating Model & Blueprints

03

Phase 3 • Execution

Deliver and measure results

The core of our mandate. We provide hands-on implementation support, manage high-stakes platform migrations, and ensure capability transfer so your team is ready to lead.

Outcome: Full-scale Deployment & Knowledge Transfer

Our Impact

Proven results across the ecosystem.

We align global experience with specific sector requirements to deliver institutional-grade modernization.

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FOR BANKS & FINTECHS

Retail & Commercial Leaders

Helping institutions navigate product launches, high-stakes transformation sprints, and revenue acceleration through modern infrastructure.

AUSTRALIA CASE STUDY

Tier-1 Bank: Core Payments Modernization

Architected the redesign of domestic and international payment systems, transitioning legacy COBOL rails to ISO 20022 ready architecture.

42%

OpEx
Savings

9 MONTH MANDATE

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FOR GOVERNMENTS & REGULATORS

Policy & Frameworks

Supporting national systems strategy, regulatory sandbox implementation, and building the digital rails for financial inclusion.

UAE CASE STUDY

Fintech License & Sandbox Strategy

Guided a global payment processor through the UAE Central Bank sandbox, resulting in full regulatory approval and multi-market launch.

100%

Licensing
Success

5 MONTH MANDATE

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FOR INVESTORS & OPERATORS

Due Diligence & Scalability

Technical due diligence and market entry validation. Ensuring platforms are engineered for institutional stability and scale.

KENYA CASE STUDY

Mobile Money: Innovation Strategy

Redesigned the cross-border remittance engine for a market-leading telco, doubling corridor efficiency and liquidity velocity.

3.2x

Tx Value
Growth

14 MONTH MANDATE

Key Strategic Sectors

Banks

NGOs

Fintech Startups

Payment Processors

Central Banks & Regulators

Venture Capital

Mobile Money

Remittance

AI Advisory

Strategy that delivers measurable outcomes.