We are a boutique consulting firm, specialised in the financial sector
We believe embedded Financial solutions massively extend the value added in the process of matching supply and demand
WHO DO WE WORK WITH?
We work with two types of organisations:
Financial Industry Entities
- Banks, Fintechs, Credit and Factoring Companies, Insurance Companies...
- We work with you to improve your business models and operations
- From acquiring, to issuing, to credit (individuals and SME's), to digital services
Other Entities
- Verticals, Associations, Marketplaces, Large Corporates, ...
- We work with you to integrate financial products and services into your business processes in a seemingless experience (embedded finance), contextualizing and embedding products and services in non-banking “core business processes”, leveraging data/information (internal and external) and communications
- There is hidden and new value to unlock by eliminating frictions in non-banking ecosystems and to win on convenience, making financial offers consumable right at the point and moment of decision
WHAT WE DO?
We have extensive experience in the following areas:
Payments
We are specialised in both the issuing and the acquiring side of payments, from the traditional payment methods (eg. cards), to other "country specific" (eg. pagamentos de serviços for Portugal), but also to new payment methods (eg. Wallets)
Credit
We understand the different segment needs (e.g SME's, Individual) but also the different products: Revolving, Amortising credit / instalments, Factoring, ...
We can develop solutions for the full value chain, including, for example, risk based frameworks with a global value approach
Digital Channels
We believe digital channels are key to a successful strategy in the financial sector, from homebanking, to payment wallets, to onboarding tools, dashboards.
A key part of the success is to integrate these solutions with 3rd party solutions (eg. invoices / collections, payment requests, credit requests, instalments)
WHAT WE DO?
We are also specialised in these functions:
Product
From Strategy to operations, we believe in an integrated approach to subjects like: Pricing, Portfolio analysis, Revenue Assurance, Profitability and value added solutions (eg. loyalty)
Analytics
Conceptualisation, development and maintenance of integrated solutions to support your business strategy, like: datamarts, financial and risk models, dashboards, ...
Customer 360 analysis (eg. retention, loyalty)
Digital and Automatization
We believe that with the use of information, (smart) rules and technology it's possible to automatise several business processes and save resources (that can be channeled to growth opportunities)
WHAT DO WE DO?
We have an integrated approach that tackles all the different subjects:
Strategy
Market analysis, Strategic planning, Benchmarking of competitors, ...
Marketing
Product management and Distribution
Financial and Risk
Financial planning, Budgeting, dashboarding, collections, Risk managing, ....
Operational
Processes mapping and reengineering, automatisation of tasks, ...
Technology
Traditional IT Systems, Digital channels and informational systems
Regulatory
A business view regarding the regulatory challenges
WHO ARE WE?
Our Team
Tiago Sopas
Co-Founder and Managing Director
Ricardo Costa e Silva
Co-Founder and Managing Director