what we do
We assist payment service professionals, processors, investors, and fintechs to garner the benefits of the impending advancements in the payments sector.
Areas of expertise
Our service offerings span across business and strategy, technology and innovation, as well as compliance, risk and regulations.
Open banking
enes11 is at the forefront of shaping the open banking agenda. We offer a comprehensive suite of services to help our clients comply, reduce risk, and shape and pursue strategic growth opportunities. Our team is ready to support all aspects of your open banking journey.
Card issuing
We help card issuers adapt to new business models, technologies, and tighter regulations, aided by our proven frameworks and a team with extensive expertise in card-related strategy, regulation, and operations.
PROject & PRogramme management
From managing complex task forces with tight schedules to overseeing multi-year programs, our experts provide skills and expertise. A perfect illustration of our capabilities are multi-bank card portfolio migration projects we have successfully executed. With years of experience, we efficiently handle all aspects of such projects, ensuring seamless transition with minimum disruption, regardless of the scale and complexity.
DATA MIGRATION
With extensive experience in the complex realm of debit and credit card data migration, our team employs a standardized and industrialized approach to handle various scenarios. We understand the intricacies involved in migrating sensitive cardholder data and have the expertise to ensure a secure, seamless transition. No matter the complexity, our methodology guarantees minimal disruption while adhering to the highest standards of data integrity and compliance.
Mobile & Digital payments
We streamline the creation of secure, tokenized digital and mobile payment solutions that bolster commerce and elevate the customer experience. Our experts collaborate with card schemes, alternate payment providers, mobile operators and 3rd party tech firms to optimize the customer journey.
Aquiring & Payment acceptance
Efficiently tackle the primary challenge of integrated omnichannel payment acceptance at the point-of-sale and for e-commerce with our expertise in acquiring solutions and POS systems. We assist PSPs and merchants in the implementation and product development.
our clients
Our clients include large international and medium-sized regional organisations right down to industry, institutional and start-up investors:
Global & domestic payment schemes
Card Issuers
Merchant acquirers, aggregators, network service and online-payment service providers
Payment processors
Banks
Suppliers to the payments and banking industries
Examples of typical projects
Growth and market entry, product and corporate strategies for Fintechs and Startups
Due diligence, business valuation and transaction support during major M&A case in the Nordics.
Project management for the setup of a new onsite/offshore customer service center, coupled with the rollout of a new CRM suite.
Efficiency improvement and digitalisation of core processes in card life cycle management
Product ownership of a scheme integration for debit card processing in core banking systems, followed by a rollout to Swiss cantonal banks.
Vendor selection for providers of identity services, aggregators, processors, service providers for a Swiss payment provider
Execution of data migrations of complex debit- and credit card portfolios.
Conceptual preparation and management of complex portfolio- and data migration projects in Switzerland, Nordics and UAE.
Restructuring of payments businesses such as issuing, acquiring and processing