A. A. Ghaisas & Co.

Principal BFSI Advisory

Strategic Vision. Technical Precision.

Our Philosophy

"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.

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.

About A. A. Ghaisas & Co. OÜ

A. A. Ghaisas & Co. OÜ serves as a seamless bridge between European regulatory standards and global delivery agility. Registered in Estonia, we offer UK and EU financial institutions a fully GDPR-compliant B2B contracting vehicle that eliminates cross-border friction.

We operate on a "Hybrid Delivery Model" that couples high-governance EU advisory with a strategic analytics hub in India. This structure ensures that clients benefit from EU-based accountability while accessing specialized technical talent at competitive rates.

The Client Benefit:

  • Cost Efficiency: Access senior architectural expertise without the overhead of Big 4 hourly rates.
  • Regulatory Safety: All contracts and liabilities are governed by EU law (Estonia), offering full legal protection compared to direct offshoring.
  • Speed to Market: Our "Principal-Led" approach removes layers of middle management. Decisions are made by experts, not routed through junior teams, ensuring faster project velocity.
Founder & Managing Director

Amey Ghaisas

Amey Ghaisas is a Principal Business Architect and Managing Partner with more than 15 years of specialized experience driving digital transformation across the BFSI sector. A former leader at Ernst & Young, Capgemini, and TCS, he specializes in Enterprise API Strategy, Payment Modernization, and Regulatory Risk Architecture.

Amey has successfully delivered high-impact Target Operating Models (TOM), Profitability Frameworks, and digital product roadmaps for Tier-1 global banks. Combining deep domain expertise in Retail & Commercial Banking with certified agility (SAFe®, CSPO), he bridges the critical gap between executive strategy and engineering execution.

Our Services

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

Payment Transformation & API Strategy

Designing interoperable "API-first" frameworks to enable Open Banking. We lead the architectural transition from legacy systems to real-time payment flows.

  • API Ecosystem Design
  • Real-Time Payments Architecture
  • Legacy Modernization
  • Seamless Data Lineage

Business Architecture Advisory

Aligning corporate strategy with technical execution. We design the Target Operating Models (TOM) that enable banks to modernize and integrate disparate systems.

  • Target Operating Model (TOM) Design
  • Capability Mapping & Value Streams
  • Enterprise API Strategy
  • Legacy Modernization Roadmaps

Digital Product Ownership

Bridging the gap between stakeholders and engineering. We provide Principal-level product leadership to define vision, prioritize backlogs, and drive delivery.

  • Product Vision & Roadmap Strategy
  • Backlog Management & User Stories
  • Agile & SAFe® Program Leadership
  • MVP Launch & Lifecycle Management

Regulatory Risk & Compliance

Ensuring your architecture meets strict global standards. We design systems compliant with Basel frameworks and US/EU mortgage regulations.

  • Basel Framework (PD/LGD/EAD)
  • Mortgage Compliance (TILA/RESPA)
  • KYT (Know Your Transaction)
  • Data Governance & Reporting

Strategic Profitability Modeling

Uncovering the true cost-to-serve. We develop "Bottom-Up" P&L models to allocate costs and revenues to the specific customer level.

  • Granular P&L Analysis
  • Revenue Leakage Detection
  • Network Optimization Strategy
  • Power BI & SQL Dashboards

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 and core system modernization.

Flexible Engagement Options

1. Daily Consulting

Transformations & Strategy

2. Monthly Retainers

Continuous Advisory Support

3. Fixed-Scope Projects

Outcome-Based Engagements

4. Fractional Product Ownership

Part-Time Leadership

Let’s Work Together

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

Send a Message

Registered Office

A. A. Ghaisas & Co. OÜ

Harju maakond, Tallinn, Kesklinna linnaosa

Tartu mnt 67/1-13b, 10115

Estonia (EU)

Contact

contact@aaghaisas.com