ANAyo Najah

02

Work

I find where good customers get declined, and fix the system that declines them.

I advise global enterprise merchants and payment service providers on converting payment performance into revenue. I own the analysis and the playbooks behind the recommendations, and build the automation and applied-AI tooling that lets them scale past one merchant at a time.

Areas

  • 01

    Authorisation uplift

    Full-funnel investigations across integration quality, failed-to-process outcomes, cardholder data, 3DS, risk decisions, issuer behaviour and routing.

  • 02

    Network tokenisation & recurring

    Account updater, network tokens, recurring-payment indicators and intelligent retry — the levers that cut involuntary churn.

  • 03

    3DS / SCA strategy

    EMVCo 3DS performance: message quality, authentication indicators, challenge behaviour, ACS outcomes and data completeness.

  • 04

    Fraud mitigation

    The interaction between fraud controls, issuer behaviour and acquiring setup — so risk rules stop declining good customers.

  • 05

    Go-live & post-live performance

    Readiness reviews, issue triage, performance monitoring and remediation planning for payment-acceptance launches.

  • 06

    Playbooks & applied AI

    Repeatable diagnostics, reusable analyses and AI-enabled workflows that move teams from reactive case handling to proactive performance management.

The funnel

The path I trace — a decline is rarely one thing

  1. INT

    Integration

    integration quality and message completeness

  2. CHD

    Cardholder data

    data quality, tokens, recurring indicators

  3. 3DS

    Authentication

    3DS/SCA strategy, challenge behaviour

  4. RSK

    Risk decisions

    fraud controls vs. false declines

  5. ISS

    Issuer behaviour

    issuer-specific rules and decline patterns

  6. RTE

    Routing

    acquiring setup and routing strategy

  7. AUTH

    Authorisation

    approval rate, cost, customer experience

Expertise

  • Payments & Risk

    Payment Acceptance, Payments Optimization, 3D Secure, Payment Services Directive (PSD2), Electronic Payment Processing, Payment Card Processing, Payment Gateways, Payment Operations, Payment Services, Fraud Prevention, Fraud Investigations, Risk Management, Risk Assessment

  • Strategy & Advisory

    Enterprise Advisory, Strategic Consulting, Management Consulting, Business Strategy, Product Strategy, Stakeholder Management, Strategic Partnerships

  • Data & AI

    Artificial Intelligence (AI), Machine Learning, A/B Testing, Business Analytics, Data Analysis

  • Product & Technology

    Product Management, Product Development, APIs, Technology, E-Commerce, FinTech, Payment Industry, Payments

  • Languages

    English, French, Arabic.