Consulting · Automation · AI
Oku Solutions
Workplace technology, automation and AI for small businesses and modern organisations. Website coming soon.
Make an enquiry with Oku Solutions by emailhello@okusolutions.co.uk
Rebekah Njoku.
Payments and digital delivery, from concept to launch
01About
Ideas. People. Possibilities.
I take digital products from concept to launch, especially when the plan changes halfway through.
Most of my career has been in payments, at Gemalto, Barclaycard and McLEAR. I know how card payments work end to end, from issuer and processor to gateway, acquirer and scheme, so I can work confidently with engineers, partners and regulators.
I’m now a Delivery Manager with FDM Group, placed at Transport for Greater Manchester, where I manage delivery for the TfGM website and workplace technology.
I’m at my best owning the plan, the risks and the trade-offs, and keeping senior stakeholders clear on what’s happening and why.
Alongside that I run Oku Solutions, a small studio that designs and builds automation, AI agents and Microsoft 365 workplace tools. It keeps my hands on the technology, from APIs to AI-assisted products.
What I do
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01 / 04
Payments, end to end
Issuing, processing, gateways, acquiring and schemes, with EMV, tokenisation, PCI DSS and PSD2.
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02 / 04
Launching new products
From concept to launch: plans, roadmaps, dependencies, risk and budgets up to £2M.
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03 / 04
Digital workplace and Microsoft 365
Microsoft Places, Dynamics and the Power Platform, from Power Apps to Power BI.
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04 / 04
Automation and AI
AI tools and workflow automation with Make, Zapier and n8n, through Oku Solutions.
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Oct 2025 to present
Delivery Manager
FDM Group, placed at Transport for Greater Manchester
- Led TfGM’s rollout of Microsoft Places for desk and room booking.
- Built a Power Apps canvas app for visitor management, which Places doesn’t cover, so colleagues book desks, rooms and visitors in Outlook and Teams.
- Manage delivery for the team behind the TfGM website front end, and brought developers and testers into design earlier with proofs of concept.
- Prioritised a fix for the fare refund and appeal forms, so customers now get a case number straight away.
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Jun 2025 to present
Founder
Oku Solutions
- Build AI tools and workflow automation for small businesses, using tools such as Zapier, n8n and Make.
- Created an AI-readiness audit that shows clients what to automate first.
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Sep 2024 to Jun 2025
Student Mentor
Greater Manchester Basketball
- Mentored computing students with academic guidance, industry insight and support in building digital and project delivery skills.
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Jan 2019 to May 2024
Head of Projects and Operations
McLEAR
- Led delivery of the world’s first passive tokenisation system for wearable payments, writing the architecture and data flows that won Visa’s approval.
- Proposed the strategy to move our card programme off Wirecard after the 2020 FCA freeze, then moved gateway and acquiring to new partners in four weeks.
- Launched a multi-component payments platform in 12 months, then lifted adoption by 20%. Redesigned onboarding, raising success from 50% to 90%.
- Led customer service, compliance, projects and software development, and introduced a change process that cut rework by 30%.
- Supplied payment rings to Bankwest and Quontic Bank, and worked on programmes in Kuwait, India and Japan.
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Apr 2021 to Aug 2023
Co-Founder
B Minted Marketplace
- Co-founded a venture exploring digital collectibles, digital ownership and the creator economy, alongside my role at McLEAR.
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Jan to Dec 2018
Contractor
McLEAR
- Delivered UK market entry for a consumer payments platform, coordinating partners, regulatory considerations, service readiness and the move into business as usual.
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Dec 2015 to Dec 2017
Principal Consultant
Barclaycard Payments
- Designed and delivered a multi-channel payment gateway that cut onboarding costs by 70% and closed a multi-million-pound revenue gap.
- Led enterprise API integration, technical training and client onboarding.
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Jul 2010 to Dec 2015
Projects and Technical Consultant Manager
Gemalto (now Thales), Fareham, Atlanta and London
- Managed a team of 12 project managers and technical consultants, and standardised how the delivery function worked.
- On-site EMV consultancy for Citibank in Atlanta during North America’s move to chip cards.
- Earlier roles as Business Manager and Technical Consultant in London, including the OnePulse card for the Barclaycard and TfL contactless rollout.
03Work
Ideas made real.
Selected projects and what changed. Open any card for the story.
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Payments · McLEAR
Passive tokenisation
World first
passive tokenisation for wearable payments, approved by Visa
The story
- Challenge
- Let cardholders put their bank card onto a payment ring at a public kiosk, safely.
- My role
- Led the delivery and wrote the architecture documentation and data flows, working with Visa in San Francisco and Gemalto on a security scope everyone could agree.
- Outcome
- Approved by Visa: the world’s first passive tokenisation system for wearable payments.
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Payments · McLEAR
Moving off Wirecard
4 weeks
to move gateway and acquiring to new partners
The story
- Challenge
- Wirecard was our issuer, gateway and acquirer. After the 2020 FCA freeze we had to move the whole card programme.
- My role
- Proposed the migration strategy, worked with the CEO, COO and CFO on high-risk decisions, and owned the plan and delivery sequencing.
- Outcome
- Issuing moved to Railsr, and gateway and acquiring to FreedomPay and Elavon in four weeks, with minimal customer disruption.
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Payments · McLEAR
Wearable payments platform
50% → 90%
onboarding success, after launching in 12 months
The story
- Challenge
- Take a multi-component wearable payments platform from concept to launch.
- My role
- Led the programme end to end, redesigned onboarding, and introduced a change process to keep it on track.
- Outcome
- Launched in 12 months. Onboarding success rose from 50% to 90%, adoption grew 20% and rework fell by 30%.
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Payments · Barclaycard
Enterprise payment gateway
70%
lower onboarding costs
The story
- Challenge
- Enterprise clients needed one gateway to take payments across multiple channels.
- My role
- Designed and delivered a multi-channel gateway platform, and led REST API integration, configuration and client training.
- Outcome
- Onboarding costs cut by 70%, closing a multi-million-pound revenue gap.
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Workplace transformation · TfGM
Microsoft Places
Outlook and Teams
desk and room booking where colleagues already work
The story
- Challenge
- Colleagues needed a modern way to book desks and meeting rooms.
- My role
- Led the delivery, bringing IT, facilities, users and suppliers together around one plan.
- Outcome
- Microsoft Places live for desk and room booking, followed by a post-launch review that shaped the roadmap for the next phase.
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Power Apps · TfGM
Visitor management app
Built myself
the visitor app that filled the gap Places left
The story
- Challenge
- Places covered desks and rooms, but not visitors.
- My role
- Spotted the gap early and built a Power Apps canvas app myself alongside the Places rollout.
- Outcome
- One booking experience for colleagues in Outlook and Teams, covering desks, rooms and visitors.
04Ventures
Things I’m building.
Ventures I’m building alongside my career. Each one has its own identity.
See the life you imagine.
AuraMindset
Personalised vision videos made from your own goals. Launching soon, with a waitlist open for early access.
Join the waitlist for AuraMindset
Remove the loops.
LooplessPay
Bank-to-bank payments for local independents: no card fees, paid in seconds. In early development.
In development
Let’s connect.
Open to conversations about technology, transformation and new opportunities.