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Gitumbi Risk Advisory
Fraud and Payment Risk Advisory for Fintech, Digital Payments and E-Commerce
Helping organizations strengthen fraud detection, reduce payment risk, and improve transaction security.
Years Of Practical Experience
Put Our Expertise to Work for Your Business
From payment architecture to fraud detection, our specialists are ready to harden your infrastructure.
About Us
Protecting Digital Payments from Fraud and Operational Risk
Digital payments and online commerce are growing rapidly across Africa and globally. With this growth comes increased exposure to fraud, payment disputes, and operational risks.
Gitumbi Risk Advisory helps fintech companies, e-commerce platforms, and organizations handling digital transactions reduce fraud, strengthen payment processes, and protect revenue. We focus on practical, actionable solutions that are tailored to each client’s operations. Our goal is to make payment systems safer while keeping business running smoothly.
Our Services
How We Help
We help fintech companies, e-commerce platforms, and organizations handling digital transactions reduce fraud, strengthen payment processes, and protect revenue.
High-Ticket Security & Operational Control
Aviation faces unique risks from sophisticated ticket fraud and ‘last-minute’ stolen card use. We implement Aviation-Specific Risk Logic that protects high-value bookings without grounding your sales.
Why Choose Us
Why Choose Us
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Practical Expertise
Solutions are based on real operational experience in digital payments, e-commerce, and aviation environments.
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Actionable Solutions
We provide clear, step-by-step recommendations that teams can implement immediately.
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Tailored Approach
Each business is unique. We focus on the vulnerabilities and risks that matter most to your operations.
Our Strategic Vision
Industries
Industries We Support
Fintech & Digital Payments
Ensure secure, high-volume digital transactions and prevent fraud without disrupting operations
E-Commerce
Protect online merchants from payment fraud, account takeovers, and chargebacks with strong verification and monitoring systems.
Aviation Payments
Safeguard airline transactions against ticket fraud, stolen card use, and chargeback abuse while improving operational efficiency and internal controls.
Start Small, Protect Big
Our services are designed to be practical, efficient, and scalable. Even a single consultation or assessment can help businesses prevent losses, improve operations, and build sustainable fraud prevention practices.
High Volume & Low Friction
We harden the infrastructure of digital wallets and payment gateways. Our focus is on Scalable Security—ensuring that as your transaction volume grows, your risk exposure doesn’t
Luciano
Entrepreneur
Gitumbi Risk Advisory helped us bridge the gap between security and user experience. We finally have a clear roadmap for handling disputes that doesn't overwhelm our support team
Allison
Head of Operations
Expertise you can trust. Gitumbi provided the technical depth we needed to secure our payment infrastructure as we scaled across new markets in Kenya
Trevor
Businessman
Your Partner in Digital Integrity
Managing Director
Joyce Gitumbi
Joyce Gitumbi is a fraud and payment risk professional with over 15 years of experience across financial services, e-commerce, and aviation payments. She specializes in operational fraud prevention, transaction monitoring, dispute management, and payment risk mitigation for digital payment systems.
Throughout her career, Joyce has helped organizations strengthen fraud detection, improve internal controls, and enhance collaboration between operational teams, financial institutions, and payment partners. Her expertise ensures secure digital transactions while protecting revenue and reducing operational risk.
By implementing Gitumbi’s velocity check frameworks, a mid-sized e-commerce platform reduced unauthorized transaction attempts by 29 % within the first 30 days, without impacting checkout conversion