Trusted Senior Consultant for Strategy, technology, delivery & Governance for banks and fintechs
Finov8X's advisory, research, due diligence, digital product delivery, and governance are the tools banks, credit unions, fintechs, payment companies, and investors need to make the right calls and get them live.
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Banking & Fintech Transformation. From Strategy to Production.
Senior practitioner-led consulting without the overhead of a large consulting firm. Finov8X gives banks, credit unions, fintechs, and investors one experienced, hands-on professional who is personally involved in the strategy, the delivery, and the governance, rather than a senior partner who sells the engagement and junior consultants who execute it.
Senior practitioner-led, without the overhead.
Banks, credit unions, fintechs, lenders, processors, and the investors who back them work with Finov8X for one reason: the person who scopes the work is the person who leads it, in the steering committee, in PI planning, and in the cutover room. Twenty years of bank side experience, at a fraction of the cost of a large firm, with no bench to feed and no vendor referral fees.
Meet the practitioner20+
Years across strategy, technology, delivery, and governance in banks and fintechs
$100M+
Digital lending portfolio led across 80+ initiatives, taking on time delivery from 62% to 89%
3
Core banking migrations across bank mergers, every cutover with zero downtime
10M+
Instant payment transactions a year on national ISO 20022 rails we helped deliver
Four things to hire Finov8X for, and the areas that sit underneath them.
With two decades of experience, Finov8X's principal has worked across every layer of banking and fintech, from strategy and regulation to platforms and delivery.
Pick a capability to see everything it covers, or go straight to the area you need.
Payments & Digital BankingTechnology TransformationStrategy & Regulatory AdvisoryDelivery & GovernanceInvestor Due DiligenceLicensing & Regulatory ReadinessFinancial Inclusion & Emerging MarketsAI & Automation in Banking
Meet the Consultant
How can Finov8X help your organization achieve its goals?
Payments & Digital Banking
Instant and fast payments on ISO 20022 rails, cards issuing and acquiring, POS and payment gateways, digital onboarding and e-KYC, digital lending and BNPL, wallets, remittances, and merchant network growth. Production systems with transaction volumes behind them.
Learn moreTechnology Transformation
Core banking migration and modernization including bank mergers, vendor agnostic technology selection with no referral fees, CRM and payment hub implementations, integration and cloud readiness, and AI and automation in operations.
Learn moreStrategy & Regulatory Advisory
Executive advisory and product strategy, market analysis and commissioned research, investor and acquirer due diligence, EMI and fintech licensing, regulatory readiness, and bank and fintech partnerships, from someone who has sat on the bank side of the table.
Learn moreDelivery & Governance
Fractional program and portfolio leadership embedded with your team, Agile coaching and SAFe implementation with Release Train Engineer as a service, PMO setup, vendor and SOW governance, delivery recovery, and PI planning facilitation.
Learn more
Case study
A national instant payments rail goes live on a Temenos core.
A bank needed to join a new national ISO 20022 instant payments scheme in two phases without touching uptime on a core built for batch. Finov8X's principal led the program end to end: pacs.008 and camt.053 integration, alias resolution, real time fraud and sanctions screening, 24x7 posting, scheme certification, and an operations model for nights and weekends. Result: 10 million plus transactions a year at 99.9 percent uptime, both phases on schedule.
Read moreFinov8X workshops help your team understand and apply the changes shaping banking and fintech.
You know what is coming: instant payments, ISO 20022, open banking, AI in operations. Our practical education programs get you and your team up to speed before the program starts.
Instant Payments Readiness Workshop
Half day, on site or virtual. FedNow and RTP explained for executives and operations: rails, limits, fraud, liquidity, Request for Payment, and the decisions your institution needs to make in the next twelve months.
Learn MoreISO 20022 for Bank Teams
One day for delivery teams. Message families, structured data, translation and screening impacts, and what a realistic program plan looks like, taught from two national rail programs.
Learn MorePrivate PI Planning Facilitation
Two days, facilitated. A planning event for your squads and vendors with a program board, ROAMed risks, and committed objectives your executives can hold the program to.
Learn MoreFinov8X resources for the best thinking in banking and fintech delivery.
Latest Articles
Practitioner notes on strategy, payments, lending, core banking, and delivery.
Latest Talks
Conference panels and interviews on payments innovation and digital banking.
How financial technology evolved, and the firsts delivered along the wayCxO Global interview
Digital banking after the pandemic, Future Banking SummitSpeaker
Payments innovation panel, Digital Payments and Banking SummitPanelist
Latest News
Awards, nominations, and appearances.
Events, awards, and media.
Speaking, judging, and industry recognition across the Gulf, South Asia, and the United States.
Founder and Principal Consultant
Ahmed Ali Larik, banking and fintech consultant and advisor
For twenty plus years I have supported banks, fintechs, and lenders across the Gulf, South Asia, and now the United States to build the right strategy, select the right technology and skill set, execute with discipline, govern what they deliver, stay ahead of regulators, and capture the market. That work spans instant payments and national rails, cards and wallets, digital lending and BNPL, core banking transformations across bank mergers, open banking, agile and SAFe transformation, PMO setup, and investor and vendor due diligence.
Firsts delivered include a national instant payments integration, a first in market BNPL journey, biometric ATMs, co-branded and loyalty cards, and the region's first Islamic branchless banking platform. I do the work myself: no junior bench, no hand offs, and no vendor referral fees, and every recommendation comes with the reasoning in writing. Based in the DMV and Washington DC, United States, working with institutions nationwide.
- PMP
- Certified ScrumMaster
- SAFe POPM
- Harvard Business School Online, AI Essentials
- AWS Solutions Architect (in progress)
- IAPP AIGP (in progress)
Put a senior practitioner on your program, not a bench.
Talk with Finov8X today and get the support you need to plan, launch, and stabilize your payments and lending programs.
Contact UsGet in touch.
A 30 minute discovery call is free and without obligation. You will speak with the practitioner, not a sales team.
finov8x@gmail.com · +1 571 571 4163 · DMV & Washington DC, United States