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For Merchants

Maintaining a competitive, yet cost-effective, payments and loyalty offer is increasingly challenging for merchants in today's business climate.  

The challenges are both complex and wide-ranging, for example:

  • Maintaining a competitive offer in a dynamic market where customer habits are evolving and technology is catalysing change,

  • Responding to the emergence of new players,

  • Delivering a systems landscape which is responsive yet cost effective,

  • Managing security risks and ongoing legislative and regulatory change. 

Steering a path through these many issues and making informed strategic decisions can be a significant challenge for merchants. Abaci supports merchants to address these challenges by providing independent, fact based advice and by providing clear, decision making frameworks which allow options to be assessed and quantified against agreed business priorities. This simplifies the decision making process, increases confidence in the decisions made and helps garner the commitment from all stakeholders required to make the change happen.


Abaci provides a range of services to merchants to assist them with developing their strategic plans, including:

  • Strategic option reviews

  • Market evaluations

  • End to end process reviews and best practice assessment

  • Emerging technology impact assessment and innovation workshops

  • Strategic sourcing reviews

  • Business benefits case development

  • Solution blueprints and roadmap development 

Abaci provides implementation services to support merchants execute their strategic plans including:

  • Business transformation planning and implementation

  • Tender preparation and management

  • Programme management

  • Business benefits capture

  • Project status reviews and remediation services

  • Operational improvement services 

Examples of Abaci's previous experience include:

  • Carried out a market evaluation of vendors for an oil company reviewing the sourcing strategy for its fuel card back office

  • End to end process review and best practice assessment for an oil company's cards processes

  • Prepared and presented a business justification for transitioning a retailer's country specific acquiring processes to a European-wide standardised operation

  • The development of a business transformation strategy for an oil company's fuel card business

  • The development of a business benefits case for the deployment of a retailer's global back office to be rolled out across 20 countries

  • Provided change management for the implementation of standardised card acquiring processes for an oil company's European network.

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