Emerging Markets Advisory

Strategy meets execution in the markets that matter most

Hands-on advisory for fintechs, tech startups, and financial institutions navigating high-growth, high-complexity markets across the Middle East, South Asia, Southeast Asia, and Africa.

Our Services Get in Touch
25+
Years of Industry Experience
6
Markets Deep Expertise
$6B+
Transactions Enabled
About Trayle

Your partners in navigating emerging markets

Trayle Consulting was founded on a simple conviction: strategy without execution is just theory. We offer hands-on, outcome-focused advisory services for organizations operating at the intersection of innovation, regulation, and impact.

Our team brings decades of experience leading, building, and transforming organizations in high-growth and high-risk environments. We have scaled digital banks, launched embedded finance ventures, and guided traditional financial institutions through digital transformation.

We understand what it takes to operate in complex regulatory landscapes and navigate uncertainty while keeping the end-user at the heart of the solution.

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Outcome-Focused

We measure success by tangible business outcomes, not the volume of deliverables or hours billed.

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Hands-On Partnership

We work alongside our clients, embedded in the work rather than observing from a distance.

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Financial Inclusion

We believe technology, applied thoughtfully, can bridge long-standing gaps in access, affordability, and trust.

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Execution First

From zero to one, or one to scale, we help organizations move forward with clarity and confidence.

Leadership

Founded by an operator, for operators

Atyab Tahir, Founder and Managing Partner of Trayle Consulting

Atyab Tahir

Founder & Managing Partner

Atyab brings over two decades of leadership experience across the fintech, digital banking, and payments landscape in emerging markets. His career spans some of the most consequential roles in Pakistan's financial services sector and the broader region.

As CEO of JazzCash, he led Pakistan's largest telco-owned fintech platform. As Head of Digital at HBL (Habib Bank Limited), Pakistan's largest commercial bank, he drove enterprise-wide digital transformation. He co-founded and served as CEO of HugoBank, one of Pakistan's first digital banks, and served as Country Head for Mastercard Pakistan & Afghanistan. Earlier in his career, he was Chief Strategy Officer at Easypaisa (formerly Tameer Bank), one of the pioneering mobile financial services platforms in Pakistan.

He has also advised the Pakistani government on its national cashless economy initiatives. Trayle was born out of his conviction that emerging markets need advisors who have actually built and operated in these environments.

CEO, JazzCash Head of Digital, HBL Co-Founder & CEO, HugoBank Country Head, Mastercard PK & AF CSO, Easypaisa Govt. Advisor
LinkedIn Profile
What We Do

Advisory services built for real-world complexity

We work across the full spectrum of strategic and operational challenges facing financial services and technology companies in emerging markets.

01

Product Strategy & Design

From concept to launch, we help build products that solve real problems for real users. Product-market fit analysis, roadmap development, UX strategy, and go-to-market planning.

Product-Market Fit GTM Strategy UX & Design
02

Market Entry & Expansion

Entering or scaling within emerging markets requires local knowledge, regulatory fluency, and the right partnerships. We develop market entry blueprints grounded in operational reality.

Market Analysis Partnership Strategy Localization
03

Regulatory & Licensing Advisory

Navigating complex regulatory environments is one of our core strengths. We advise on licensing strategies, regulatory engagement, compliance frameworks, and policy development.

Licensing Compliance Policy Shaping
04

Digital Transformation

We help traditional financial institutions and enterprises modernize their operations, technology stack, and customer experience to remain competitive in a rapidly evolving landscape.

Tech Modernization Process Re-engineering CX Strategy
05

Investor Readiness & Fundraising

We help startups and growth-stage companies build compelling narratives, financial models, and business plans that resonate with investors in both regional and global markets.

Pitch Development Financial Modeling Investor Relations
06

Embedded Finance & Partnerships

We design and implement embedded finance solutions and partnership structures that create value across ecosystems, from telco-fintech integrations to marketplace lending models.

BaaS Architecture API Strategy Ecosystem Design
Sector Expertise

Deep domain knowledge where it counts

Our advisory work is grounded in direct operating experience across these sectors.

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Digital Payments & Wallets

Mobile money, QR payments, P2P transfers, merchant acceptance, and national payment scheme design across low-connectivity markets.

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Digital & Neobanking

Full-stack digital bank launches, charter applications, core banking selection, and customer acquisition strategy for challenger banks.

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Telco-Fintech

Mobile operator-led financial services, MFS strategy, agent network management, and interoperability with the broader financial system.

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Embedded Finance & BaaS

Banking-as-a-service platforms, embedded lending, insurance distribution through non-financial channels, and API-first architecture.

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Credit & Lending

Credit scoring for thin-file populations, BNPL models, microfinance digitization, and credit builder products for underserved segments.

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Regulatory & Public Policy

Central bank engagement, sandbox applications, licensing frameworks, AML/KYC architecture, and government digitization programs.

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Cross-Border Remittances

Corridor optimization, correspondent banking alternatives, blockchain settlement, and diaspora-focused product design.

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AI in Financial Services

AI-powered decisioning, fraud detection, personalized financial products, and responsible AI deployment in regulated environments.

Selected Work

Client engagements

A selection of engagements that illustrate how we work and the outcomes we help create.

Coming Soon
Digital Banking

Neobank Market Entry

Details forthcoming. This engagement focused on market entry strategy and regulatory navigation for a digital bank launch.

Coming Soon
Payments

National Payment Ecosystem

Details forthcoming. This engagement involved strategic advisory on cashless economy initiatives at the government level.

Coming Soon
Fintech

Embedded Finance Scale-Up

Details forthcoming. This engagement covered product strategy and partnership development for an embedded finance platform.

Markets We Serve
PakistanQatarOmanUAESaudi ArabiaBahrainBangladeshSri LankaIndonesiaMalaysiaPhilippinesKenyaNigeriaEgyptTurkey PakistanQatarOmanUAESaudi ArabiaBahrainBangladeshSri LankaIndonesiaMalaysiaPhilippinesKenyaNigeriaEgyptTurkey
Careers

Join the team

We are building a team of exceptional thinkers and doers who are passionate about making financial services work for everyone.

No open positions at this time

We are always interested in hearing from exceptional talent. If you believe you can contribute to our mission, reach out and we will be in touch when opportunities arise.

Contact Us

We welcome the opportunity to learn about your challenge

If you are exploring how to enter, grow, or transform in emerging markets, we are happy to exchange perspectives.

Contact Us
Contact

Start a conversation

We would be glad to hear from you

Whether you have a specific challenge in mind or would like to explore how we might work together, we welcome the conversation.

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Email

atyab@trayle.io

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WhatsApp

+1 (978) 908-8738

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Web

trayle.io

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Primary Markets

Pakistan · Qatar · Oman · UAE · Saudi Arabia · South & Southeast Asia

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LinkedIn

Atyab Tahir

Send us a message

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