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Where ambition meets financial expertise.
Payplus Africa is a financial and institutional advisory firm delivering strategy, transformation, and capacity building to banks, businesses, development organisations, and institutions across Africa. We bring deep expertise in digital finance, transaction banking, and institutional strategy to every engagement.
our advisory servicesOur story
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Years of sector expertise
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Institutional engagements
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Professional training programmes
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Three practices. One firm.
We operate across three interconnected service lines — each grounded in the same deep expertise in financial systems, institutional strategy, and operational transformation.
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Payplus Academy
A contracted professional development practice with six active training programmes. We deliver specialist banking education in cash and liquidity management, trade and supply chain finance, transaction banking, product management, solution selling, and payments and fintech — to banking professionals and institutional teams.
Explore Academy02
Payplus Academy
A contracted professional development practice with six active training programmes. We deliver specialist banking education in cash and liquidity management, trade and supply chain finance, transaction banking, product management, solution selling, and payments and fintech — to banking professionals and institutional teams.
Explore Academy03
Payplus Core
Our platform and infrastructure venture arm. Home of the Working Capital Exchange (WCX) — a privately-led national working capital infrastructure initiative for Ghana, with Payplus as orchestrator and Veefin Solutions (India) as technology partner. WCX is designed to connect buyers, suppliers, and financiers on a single digital exchange — democratising access to working capital at scale.
Explore WCXEyebrow headline
Three practices. One firm.
We operate across three interconnected service lines — each grounded in the same deep expertise in financial systems, institutional strategy, and operational transformation.
Fidelity Bank Ghana
Transaction Banking Transformation Programme
End-to-end GTB transformation across three sequential workstreams: diagnostic assessment, organisational redesign, KPI development, commercial services model, skills gap analysis, and training programme delivery. A multi-year, multi-phase engagement signed September 2023.
Diagnostic
Redesign
Training
KPI Frameworks
GIZ / EU — BioMaT Programme
Financial Sustainability Model, Ghana BioMaT
Key Expert 1 on the EU-BMZ-GIZ PharmaVax Ghana programme, designing a sustainable revenue model for the Ghana Biomanufacturing Training Centre Consortium — a national initiative supporting Ghana's vaccine manufacturing workforce, linked to Africa CDC's regional capacity network.
Development Finance
GIZ / EU
Revenue Modelling
Emergent Payment Ghana Limited
Treasury Revenue Optimisation Advisory
Retained consultancy to maximise revenues on treasury flows — providing a framework for calculating treasury revenues, supporting bank negotiations, recommending changes to client agreements, and implementing measures to mitigate revenue leakage and fraud risk. Signed December 2022.
Treasury Advisory
Revenue Optimisation
Risk Mitigation
Precise Creations Company Limited
Business & Management Consulting
Five-month retained engagement covering financial management and controls, operations process re-engineering, business development strategy, and corporate governance. Payplus served as principal business and management consultant to the company's leadership team. Signed October 2022.
Business Consulting
Operations
Financial Controls
Strategy
National Banking College
Fintech & Banking Professional Training
Contracted facilitator and curriculum developer for Ghana's premier banking training institution — delivering Payments & Fintech and Transaction Banking programmes, and developing proprietary course materials across six specialist subject areas in banking and digital finance.
NBC
Curriculum
Facilitation
Ubora Healthcare Institute
Business Planning & Institutional Strategy
Comprehensive business plan development for a multi-subsidiary healthcare institution — covering organisational design, value propositions, market analysis, five-year financial projections, marketing strategy, and operational planning across four business units.
Business Planning
Financial Modelling
Healthcare
Payplus Africa has also engaged in business development discussions and due diligence processes with several of Ghana's top-tier commercial banks.
Our Approach
A methodology builtfor lasting transformation.
Every engagement follows a structured four-phase approach — ensuring our work delivers measurable, sustainable impact rather than recommendations that gather dust.
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Diagnostic
Comprehensive assessment of the current state — strategy alignment, operating model, products, technology, commercial services, and performance measurement — benchmarked against global best practice and local market peers.
2
Transformation Plan
A structured plan with clear vision, prioritised initiatives, and a detailed implementation roadmap — timelines, milestones, resources, responsibilities, and risk mitigation — validated with stakeholders before execution begins.
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Implementation
Active, hands-on delivery support across commercial and business development, technology and automation, operations, risk, and compliance — ensuring initiatives move from plan to practice with accountability at every stage.
4
Monitoring & Support
Continuous evaluation of business development initiatives, operational performance, and technology capability against market standards — with ongoing training support to embed change and sustain the transformation.