About US

Shaping the Future of Payments, Delivery & Solutions — Together

We’re a group of experienced professionals with over 100+ years of combined experience across banks, fintechs, and technology firms.
We’ve delivered real outcomes in cards, payments, digital platforms, presales, and product innovation.
Now, we’re here to share, collaborate, and co-create — with people solving meaningful problems.

Our Offerings – Click here

Our Consultants

We bring together deep banking domain expertise, enterprise architecture leadership, and delivery excellence — enabling institutions to modernize with confidence.

Shantharam Shenoy
Shantharam Shenoy
LinkedIn Profile
Founder & Director

Founder and transformation leader with deep expertise across banking, payments, and technology consulting. Brings a structured, framework-driven approach to modernization initiatives spanning legacy systems, digital platforms, and AI-enabled delivery models.





Highlights

  • Cards issuing, acquiring & switching ecosystems
  • Core platform modernization & migration programs
  • Large-scale presales & solution governance leadership
  • AI-enabled accelerators & structured consulting frameworks

At PayThinkers

Defines strategic direction, leads consulting engagements, and institutionalizes scalable execution models across advisory and delivery.

Milind Labhe
Milind Labhe
LinkedIn Profile
Advisor - Banking, Payments & FinTechs

Strategic advisor with 25+ years of leadership experience across banking, payments, and fintech ecosystems. Has led large-scale enterprise payments programs, digital channel modernization, and AI-enabled platform strategies across India, Australia, Vietnam, and the Middle East.
Combines deep domain expertise with strong operational and transformation execution capability.


Highlights

  • Enterprise payments & cards modernization (UPI, IMPS, NEFT, RTGS, Visa, RuPay, switching)
  • Digital banking channels & platform transformation
  • B2B SaaS fintech strategy & AI-driven financial solutions
  • Managed services frameworks & operational governance
  • COE setup & multi-country team leadership

At PayThinkers

Advises on enterprise payments strategy, fintech platform scaling, AI-enabled transformation, and operating model modernization — helping institutions build secure, scalable, and future-ready financial ecosystems.

Sachin Koti
Sachin Koti
LinkedIn Profile
Advisor - Banking, Payments & FinTechs

Strategic advisor with nearly three decades of leadership across banking and payment infrastructure. Has led ATM switching networks, EFT platforms, and enterprise transaction modernisation at Visa, NCR, Euronet, Oracle FS, Hitachi Payments, and BTI Payments.





Highlights

  • Designing high-availability Enterprise payments infrastructure & transaction ecosystems (ATM networks, EFT switching, debit card platforms)
  • Cross-border technology implementation and delivery across Singapore, Malaysia, and China
  • Enabling scalable and resilient financial transaction platforms
  • Supporting digital payments transformation initiatives across banking and fintech sectors
  • Aligning technology architecture with business growth and operational efficiency objectives
  • PMP-certified program leadership, project management, and technical pre-sales

At PayThinkers

Advises on payments infrastructure modernization, ATM and switching ecosystems, transaction platform architecture, and large-scale banking technology transformation — helping institutions build resilient, scalable, and future-ready payment environments.

Raj Shaker
Raj Shaker
LinkedIn Profile
Advisor & Enterprise Architect

Strategic advisor and enterprise architect with three decades of experience across banking, payments, and fintech ecosystems. Raj advises financial institutions on payments architecture, platform modernization, and enterprise integration. He has led modernization of cards and payments platforms and adoption of cloud-enabled architectures. His work integrates emerging technologies including cloud, DevOps automation, and generative AI within regulated financial environments.

Highlights

  • Enterprise architecture for banking and payments platforms
  • Cards and payments modernization and platform transformation
  • Cloud-native infrastructure and DevOps automation frameworks
  • Financial services accelerators (ISO 8583, ISO 20022, payments simulation platforms)
  • BIAN-aligned architecture frameworks and enterprise integration
  • AI and generative AI enablement for banking technology development

At PayThinkers

Advises on enterprise architecture strategy, payments platform modernization, AI-enabled engineering frameworks, and next-generation banking technology ecosystems — helping institutions accelerate transformation while maintaining architectural resilience and regulatory alignment.

Sanjay Joshir
Sanjay Joshi
LinkedIn Profile
Advisor - Delivery & Academy

Seasoned delivery leader, corporate trainer, and professional coach with 25+ years of experience across global IT and payments ecosystems. Sanjay brings deep enterprise delivery leadership, having led large-scale payments programs and digital transformation initiatives for Fortune 500 organizations.
Alongside his delivery expertise, he has trained students and corporate professionals, bridging industry execution with future-ready talent development.

Highlights

  • Multi-million transaction payment systems
  • Digital transformation programs for FinTechs
  • Enterprise delivery governance
  • Campus-to-corporate readiness & leadership coaching

At PayThinkers

Leads delivery excellence initiatives and academy programs, bridging industry-grade execution with future-ready talent development.

What You Can Expect

Honest, experienced inputs — across business and tech

No hidden agenda — we only engage where we can add value

We’re not vendors

We’re collaborators — focused on clarity, speed, and shared value.