Payment companies

Payment systems are evolving at the nexus of technology, competition, regulation and finance.

The dominant design of tomorrow’s payment infrastructure has yet to emerge.  Many innovations are currently being rolled out by both established card networks and new entrants, often from the online world.

The multi-sided nature of these markets -requiring a critical mass of merchants accepting  cards and a critical mass of clients with a card- comes with unique challenges that regulators have sometimes struggled to capture in their analysis. These regulatory developments, in particular in the US and Europe, have a significant impact on both established players and new market participants.

Addressing these challenges requires deep expertise in a range of domains and the ability to read often weak market signals. Only then can you shape the development of new solutions and ecosystems.

We have worked on a number of projects and gained unique insights into the challenges of this key market.


We have an immediate impact on your organisation. We quickly mobilise the best team for the project and identify key high impact problem areas. We aim to report back with our initial insights and findings within a week of starting the assignment. We are also able to iterate quickly and even work with product teams to prototype solutions and concepts in just a few days.

We know that very few strategic challenges are solved in silos. That's why we combine our economic, regulation, strategy, marketing and technology expertise to craft bespoke solutions for our clients. Operating at the nexus of these different fields allows us to identify and prioritise sustainable high impact strategies.

We are part of a vibrant and innovative ecosystem of investors, entrepreneurs, managers, academics, and policy makers who are shaping the digital revolution. We leverage these relationships for the benefit of our clients and ensure that relevant, actionable market intelligence and analysis is captured in our work.

We have witnessed first-hand the extent to which Internet-enabled firms have disrupted traditional markets. But the digital aspect of this transformation often overshadows what we believe is a deeper shift in value. Digital platforms like eBay, Google or Amazon are not simply recreating traditional business models online, they are creating new platform-powered ecosystems. Uber has no cars, Airbnb has no real estate, and yet by developing, leveraging and connecting communities, these firms are creating billions of economic value. That's why all our consultants have significant digital platform and e-commerce experience - to help you harness the power of platforms to create communities.



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