our DNA is payment

We assist both nationally and globally active clients with our unique team of 40 professionals based in Germany and Switzerland. We can convince with over 25 years of experience in the payment sector, as well as specialist knowledge in the strategic creation and execution of innovative business models, digital processes, and product concepts. Our clients are partners with whom we communicate on an equal footing and develop tailored solutions.

 

Our expertise

PAYMENT + BANKING

We prepare our clients for tomorrow’s payment processing and work with them to implement innovative payment and (transaction) banking technologies, products, and business models.

DIGITAL TRANSFORMATION

With an emphasis on developing digital business models, we digitize and transform our customers’ products, operations, and processes.

OPERATIONAL EXCELLENCE

We support our customers in establishing and optimizing structures and commercial processes focussing on Procure to Pay and Order to Cash.

STRATEGY

With knowledge and target-oriented analysis, we assist our clients in their strategic alignment and use these to build concrete fields of action and initiatives with practical implementation planning.

BUSINESS MODEL DESIGN + SOURCING

We assist our customers on the development and optimization of innovative and sustainable business models and, if necessary, identify suitable cooperation and implementation partners. 

IMPLEMENTATION + MIGRATION

From a technical, organizational, and procedural standpoint, we assist our customers from start to finish in the design and execution of implementation and migration projects.

Our consulting areas

Payment + Banking

We prepare our clients for tomorrow’s payment processing and work with them to implement innovative payment and (transaction) banking technologies, products, and business models.

  • Projects including strategy and implementation in the area of issuing, acquiring and payment-services for banks, industrial customers, service providers, schemes, etc.
  • Card and (online and offline) payment transactions
  • Customer and merchant payment requirements analysis and evaluation
  • Banking supervisory law and regulation classification (PSD2, PSD3)

Digital Transformation

With an emphasis on developing digital business models, we digitize and transform our customers’ products, operations, and processes.

  • Innovation Radar
  • Development of Business Models
  • Digitization strategies
  • Competitive analysis and optimization strategies
  • Product/process design
  • Feasibility studies and implementation support

Operational Excellence

We support our customers in establishing and optimizing structures and processes focussing on Procure to Pay and Order to Cash.

  • Analysis and optimization of commercial value chains
  • Benchmarking and best practice approaches
  • Operating model design
  • Organizational growth
  • Process efficiency and automation programs

Strategy

With knowledge and target-oriented analysis, we assist our clients in their strategic alignment and use these to build concrete fields of action and initiatives with practical implementation planning.

  • Business modelling
  • Market analysis
  • Market entry strategies
  • Product strategies
  • M&A advisory
  • Commercial due dilligence

Business Model design + Sourcing

We assist our customers on the development and optimization of innovative and sustainable business models and, if necessary, identify suitable cooperation and implementation partners.

  • Conducting market, competition and potential analyses
  • Product and service design
  • Value creation architecture incl. make/buy decisions
  • Procurement and partner selection methods
  • Analysis of profitability / business case

implementation + Migration

We assist our customers from start to finish in the planning and execution of implementation and migration projects from an economic, technical and process perspective.

  • Introduction of card products
  • Implementation of conceptual, functional and technical specifications
  • Development of migration concepts, preparation and implementation of specifications
  • Requirements, risk management and status monitoring
  • Project management

Our industries

Financial Services

  • Banks
  • Payment service providers
  • Schemes
  • Insurances
  • FinTechs

Industry

  • Automotive
  • Mechanical engineering
  • Electrical engineering
  • Consumer goods
  • Chemicals + pharmaceuticals

Trade and Services

  • Retail + wholesale
  • Ecommerce + marketplaces
  • Loyalty
  • Transport + mobility
  • Telecommunications + media

Insights

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Our approach

A keen sense of perspecitve

One of our major competencies is the development of product, business sector and corporate strategies for our clients. Given the ever-changing parameters of our consulting domains, we plan ahead and collaborate with our clients to create future-proof scenarios. To accomplish outcomes rapidly, we ask crucial questions, make analogies to other industries and marketplaces, and operate propositionally. We understand numerous tools and processes and are constantly expanding our frameworks to deliver tailor-made target visions.

Project Management

Project work serves as the foundation for our day-to-day work. Our highly professional and efficient consulting services are founded on methodical excellence and expert knowledge.

Our major focus is our clients’ success. Using agile as well as traditional project management methodologies, we tackle and handle their difficulties in a systematic, efficient, and cooperative manner. We place a great priority on interpersonal relationships: as the project manager, we serve as both a sparring partner and a major point of contact for our clients.

Focus on user needs when designing a business model

From concept to reality: our goal is to turn product ideas and services into profitable business models in collaboration with our clients and with a strong emphasis on the user’s preferences and needs.

We work systematically to ensure that the development of business cases, identification of interdependencies, and assessment of risks and weaknesses in the business model allow our clients to make clear and well-informed “Make“ or “Buy“ decisions.

Prototyping concrete concepts

We believe that the success of a product or service is ultimately determined by the user, not by a brilliant idea or a solid business case. As a result, the ideas and solutions we co-create with our clients must demonstrate their viability at an early stage.

We create prototypes and MVPs which we then evolve – or discard –based on user feedback. We gradually learn more about the product and its use, and we may focus our efforts on the needs of the users.

Implementation entails turning ideas into reality

We design tailored solutions for our partners and clients. However, our assistance does not stop with strategy development and conception. Rather, we accompany our clients’ work during the implementation phase.

We are at ease in both the engine room and with the management. We take each step toward the objective in collaboration with our clients. In all project scenarios and phases, we endeavor to meet our clients on eye level.