Key Differentiators of
IT Works Consulting

Real independent audit and consulting company supporting the digitalization of payment and financial institutions all over the world.

Panda Bear Consulting has been involved in legacy card-based solutions but also on mobile payment wallet-based solutions.

  • Former PCI certified QSA (up to 2016).
  • Former PCI certified ASV (up to 2016).
  • PCI DSS & ATM security Trainer in Africa.
  • Mobile Payment & Telecom expertise.
  • Anti Money Laundering expertise.
  • Independence on all the solutions we propose to our customers.

Quality of our consultants:

A lot of our consultants worked in payment sector and banks at the beginning of their career. Some of them were active in the card payment compliance and AML/CfT domains in the past.
• Open banking architecture
• SEPA Instant Credit Transfer (SCT)
• SEPA Direct debit (SDD)
• SEPA Request to Pay (SRTP)
• PSD & PSD2 (DSP & DSP2)
• ISO20022
• O2O finance solutions


IT Works is using its expertise in payment services, telecommunication, financial, cloud architecture and AML/CFT to offer various payment technology consultancy services.
We advise our customers (banks, payment processors, merchants, governments) on the proper way to deploy mobile payments, international payments, chargeback reduction and generaly simplify payment processes in a purely compliant manner.

IT Works has combined its expertise in banking and payment services with digital transaction security expertise to offer various payment compliance assessment services.

• KYC and AML Identity Check compliance
• Sectorial and regional compliance
• PCI-DSS compliance
• Payment fraud detection solutions

Payment Technology

  • Route de Trèves 7 – L2632 FINDEL (GD LUX)
  • +352 260016 1