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A. A. Ghaisas & Co.

Engineering Clarity in Complex Financial Systems

Advisory that Connects Business, Data, and Technology

"We unify business, data, and technology into a single architecture that works — and lasts."

A. A. Ghaisas & Co. is a principal-led advisory firm that specialises in translating business strategy into architecture, data, and technology that work in unison.

We help banks and fintechs solve problems at the intersection of:

  • Business goals
  • Data constraints
  • Technology realities

Our work ensures that transformation is clear, aligned, and regulator-ready from day one.

About Us

Our Vision

To be the most trusted advisory partner for institutions seeking to unify business, data, and technology into coherent, resilient financial systems.

About A. A. Ghaisas & Co. OÜ

A. A. Ghaisas & Co. OÜ is an Estonian-based consulting firm founded by Amey Arun Ghaisas, a senior BFSI expert with more than 12 years of experience across India, the United States, and Europe.

Our Philosophy

Most firms struggle because strategy teams speak one language and technical teams speak another. A. A. Ghaisas & Co. was built to close this gap.

We blend:

  • Strategic clarity
  • Domain depth
  • Technical precision

to deliver outcomes that executives trust and engineering teams can implement.

Our Mission

We architect the intersection of business needs, data realities, and technology constraints.

Through principal-led advisory, we enable banks and fintechs to define, design, and deliver systems that are compliant, scalable, and regulator-ready.

Founder & Managing Director

Amey Arun Ghaisas

With over 15 years of global BFSI experience, Amey brings a rare ability to connect business strategy, data architecture, and technology execution. His work spans business architecture, API integration, digital product delivery, and the design of profitability and credit-risk model frameworks. He has led major transformation programs across retail, commercial, and mortgage banking, ensuring that complex financial systems become clear, compliant, and execution-ready. Every engagement is principal-led, providing clients with senior-level expertise and measurable outcomes.

Our Services

A. A. Ghaisas & Co. offers high-impact consulting across six core categories.

1. Business Architecture Advisory

We architect how banking organisations operate — across people, processes, data, and technology.

Our Work Includes:

  • Target Operating Models
  • Capability Mapping
  • Business Architecture Blueprints
  • Data & Process Lineage
  • Control & Compliance Alignment

Outcomes:

  • Architecture that aligns business, data, and tech
  • Reduced decision friction
  • Clear traceability for regulators and auditors

2. API Integration & Systems Blueprinting

We ensure your API ecosystem works coherently across business logic, data contracts, and technical structure.

Our Work Includes:

  • End-to-end API lifecycle
  • Interface design & payload standards
  • Integration sequencing & dependency mapping
  • Domain-driven architecture for Commercial & Retail Banking

Outcomes:

  • A unified API environment
  • Clear contracts between systems
  • Stable releases with fewer defects

3. Digital Product Ownership (Principal-Led)

We lead complex product initiatives where business, compliance, and engineering must stay perfectly coordinated.

Our Work Includes:

  • Backlog orchestration
  • Functional + API story creation
  • Acceptance criteria for complex banking processes
  • Sprint governance across multi-team environments

Outcomes:

  • Predictable delivery
  • Reduced rework
  • Strong alignment between business, data, and tech streams

4. Profitability & Credit Risk Model Architecture

We architect the business + data + technology layers that surround financial models.

Our Work Includes:

  • Cost Attribution & Profitability Model Architecture
  • Credit Risk Model Alignment (PD/LGD/EAD/RWA)
  • Data sourcing, lineage, and traceability
  • Acceptance criteria for model governance
  • Regulatory documentation

Outcomes:

  • Regulator-ready modelling frameworks
  • Transparent audit trails
  • Faster validation cycles

5. Regulatory Integration Advisory

Regulation, when embedded architecturally, reduces risk and increases delivery velocity.

Our Work Includes:

  • DORA architectural alignment
  • Basel/ECB compliance frameworks
  • Digital compliance for banking journeys
  • Evidence generation & audit traceability

Outcomes:

  • Compliance becomes part of delivery, not a blocker
  • End-to-end visibility for regulators
  • Lower governance overhead

6. Payment Transformation Advisory

We modernize payment architectures to support real-time processing, global standards, and scalability.

Our Work Includes:

  • End-to-end Payment Journey Design (Retail & Corporate)
  • Payment Scheme Integration (SEPA, SWIFT, UPI-linkages, Faster Payments)
  • API-Driven Payment Orchestration
  • ISO 20022 Migration & Message Mapping
  • Limit Management, Authorisation Flows & Rule Engines

Outcomes:

  • Streamlined, scalable payment flows
  • Reduced operational breakage and fewer exceptions
  • Faster settlement cycles & improved straight-through-processing (STP)
  • Unified business + data + API alignment across payment systems

Our Proprietary Frameworks

We use data-driven protocols to de-risk execution.

The PRISM Protocol™

Product Risk Integration & Strategy Model

Aligns product, regulatory, and operational risk into one design lens. Ensures every payment, lending, or digital journey is compliant from Day One.

The CRAFT Methodology™

Compliance-Ready Agile Financial Technology

Builds regulatory, data, and architectural checks directly into Agile delivery. Eliminates requirement gaps across API, business, and technology teams.

The TIDE Framework™

Technology Integration & Data Evolution

Creates a unified blueprint connecting API flows, data lineage, and systems logic. Ideal for banking integrations, payment engines, and core system modernization.

Flexible Engagement Options

1. Daily Consulting

Ideal for transformations, data work, and strategy execution.

2. Monthly Retainers

Continuous advisory support for banks, fintechs, and scale-ups.

3. Fixed-Scope Projects

Outcome-based engagements with clear deliverables.

4. Fractional Product Ownership

Part-time product leadership for fintechs and banking teams.

Let’s Work Together

Tell us about your project, and we will get back within 24–48 hours.

Registered Office

A. A. Ghaisas & Co. OÜ

Harju maakond, Tallinn, Kesklinna linnaosa, Tartu mnt 67/1-13b, 10115

Email: contact@aaghaisas.com