1. Payments Services generic overview
Qhuba Consulting B.V.
34.28.93.16 (Ch. of Commerce Midden-Nederland)
Strategy Statement
Qhuba means drive, the drive to succeed, to grow and to learn.
Qhuba, founded in 2007, is a fast-growing organization with more than 40 Partners and Associates (‘Qhubans’).
Qhuba helps organization’s and managers successfully execute their strategies by means of her portfolio that
comprises services in the field of Technology, Finance, Payments, Human Resources and Management.
In situations of structural change, Qhuba contributes to the ongoing success of her clients by activating decisive
people with proven experience. Qhuba acts from the motto ‘best people, smart solutions, corporate success’.
DNA
The core values of Qhuba originate from the DNA of the organization:
• Unconventional: Qhubans deliver innovative ideas that fit the objectives of their clients and bring them
success. This innovative power is based on the proven knowledge and strategic, tactic and operational
experience of the Qhubans.
• Reliable; Qhubans are trustworthy. Qhubans are loyal and committed and they act accordingly.
• Uncompromising; Qhubans have proven experience on CxO-level. Qhubans have the disposition to ‘do
it right or don’t do it at all’.
• Connected; Qhuba is a state of mind. This state of mind inspires, activates, arouses and connects.
Qhubans are people with the same drive and mentality which aim at the exchange of knowledge, ideas
and opportunities. Qhubans therefore help themselves and others to succeed, to grow and to learn.
Payment Services
As a part of Qhuba service portfolio the specialist practice on payment services is closely attached to the
interim management, program, portfolio and project management activities. Qhuba payment services is run by
specialists with over 15 years of experience in the payments industry. We offer services based on in depth
knowledge, competences and an international payments network. As we have been responsible ourselves for
payment products development, operations, revenues and departments we can be of help. We act from an
integral view to product, portfolio, processing, IT development and business management aspects to execute
your strategy successfully.
Vision
Payments are in the heart of commerce and thus driven by consumer and merchant adoption and needs. Often
designed for specific purposes and channels the payments industry is in constant change in order to stay
attractive to the end user, offer a better service at competitive pricing levels. A complex industry facing serious
new entrants and market regulations. In order to help customers establish and accomplish their payment
strategy we think broad experience, creativeness, knowledge and drive are necessary. Qhuba means drive and
offers the best professionals and managers for your temporarily assignment.
Target audience
Our services are offered to financial institutions, payment processors, acquirers, issuers, payment service
providers, biller service providers, public transport organizations and corporates.
Strategy execution
We prefer to talk about execution of your strategy rather than consulting. Qhuba effectively realizes strategic
goals like new market entry, diversification, alliances or cost reductions. Market assessments, portfolio
analyses, decision preparation for management levels are executed to align thoughts and competences. Our
consulting skills are focused on establishing these goals with you rather than restricting ourselves to reports.
Interim Management
Temporary assignments for product, sales, project, business or portfolio management.
From payments product management for the current portfolio to full management of the product development
cycle and underlying projects. Qhuba´s program and portfolio management experts offer the expertise for must
succeed assignments in complex situations. As we understand strategic, product, IT and business perspective of
the payments industry Qhuba is able to support your organization widely with expertise, knowledge and
training. For new business areas and portfolio extensions or new markets Qhuba participates effectively in sales
engagements in order to contract the first customers and establish a sales funnel.

2. Payments Services generic overview
Qhuba Consulting B.V.
34.28.93.16 (Ch. of Commerce Midden-Nederland)
Change management
Improve the performance of both the payment portfolio and the business departments, adapt to regulatory
compliance, be on top of new developments and adjust your organization to support new strategies. We are
experienced from a business unit management, business and product development and program or project
management perspective. Qhuba also takes responsibility for establishing PMO´s and training of staff in
portfolio and program management best practices.
Business development
Identify and create opportunities. Understand the new market, define the business model, score opportunities
and draw up the requirements. Build realistic business cases and rollout strategy. Collaborate with powerful
partners and establish a portfolio for product development. Execute plans professionally and with determination.
Enable and assist the sales force to effectively sell the new services. Hand over the proposition to the existing
organization.
Product development
If you require extensions to the current portfolio or maintenance on existing products Qhuba offers interim
product management. We can be part of your product management team and deliver extra capacity and drive
during reorganizations, or temporary lack of staff.
Sourcing through market understanding
Although highly familiar with the market Qhuba is fully independent and perfectly able to manage the sourcing.
Our understanding of the business models of providers enables us to pinpoint on what is really important.
We can either assist and manage the selection of application from a vendor, a product developer, a financial
institution, a processor, biller service provider, payment service provider, acquirer or issuer relation. With our
interim management and executive search capacities Qhuba can source highly skilled and experienced staff on
temporarily and permanent basis.
In this stage we will manage the RfI or RfP to potential providers. With our network and market understanding
we can also enter into confidential discussions with potential partners or vendors and your staff. With our
specific experience we will be able to negotiate the best terms, conditions and solution and will work closely
with product management and purchasing professionals in order to finalize the deal and contract.
Approach and format
An thorough understanding of the company´s strategy, market vision, product portfolio and customer base is
required. We need to determine and score the current state of many items and match these to your future
needs and business model.
We will take assignments in different formats from short term assessments to full program responsibility. Prior
to the start we will agree with you on the main goals, scope and approach. Qhuba is always open for
collaboration with other specialists.
Benefits
Our drive, experience, knowledge and creativity will enhance your organization with new ideas, best results and
enabled staff. Our focus is on your results, personal and organizational success.