Fintechs

New ideas still have to work in the real world.

We help fintechs turn opportunity into viable propositions — combining payments expertise with an understanding of regulation, operations, commercial models and the wider ecosystem.
Case study 1

Sell-side due diligence

Objective
  • To conduct an independent, impartial commercial vendor due diligence assignment to validate the client’s strategy, marketing and sales plans, propositions and products as an input into the company disposal
  • To inform potential purchasers of the viability of the company’s forecasts for revenue and profit growth over the next five years
Approach
PSE was engaged by a payments business unit of a larger group offering services including eCommerce gateway, payment facilitation and wider software solutions to provide an impartial review of the documents provided to potential purchasers. The work comprised a detailed review of its current revenues, customers and solutions and of the forecasts provided for each product within the unit. The product areas comprised services to the public sector, gateway, payment facilitation and customer identification and verification. PSE also attended Q&A sessions with interested parties.
Result
The business sale was concluded successfully.
Case study 2

Market entry strategy

Objective
After the acquisition of a long-established multinational payments processing company from South Eastern Europe, the new private equity ownership engaged PSE to construct a realistic and practical strategy and rollout plan to develop new business across Europe, Africa and the Middle East.
Approach
After understanding the processor’s operations and clients, PSE conducted long-list research to identify Tier 1 target countries across Europe, Africa and the Middle East. This involved defining the size and addressable potential of each payments market, identifying market gaps, assessing key stakeholders, local regulations and barriers to entry, and ranking and scoring the potential profit pool opportunities to develop a shortlist of target countries.
A deeper-dive research analysis followed to assess target sectors and clients, market-specific requirements, potential opportunities and market gaps, assess competitors and quantify potential revenues.
After developing a business case and model to calculate potential revenues, resources, Capex, Opex and profits associated with developing, selling and delivering the new cross-border services, a set of cross-border market positioning and entry scenarios was developed and an approach recommended.
Result
Based on the processor’s USP, market competition and gaps, PSE advised the new ownership and management on which markets to target and developed go-to-market and marketing plans to support the expansion strategy that started soon after.

Putting our expertise to work

OTHER AREAS OF EXPERTISE

Trusted across the payments landscape.

SME in all payment related space with in depth knowledge

Merchant

PSE Consulting are experts who really understand payments. They get under the skin of issues and provide consultancy that is more relevant and specific to the brief that many other consultants

Global Acquirer

PSE have strong payments experience both regarding product and the market, that is practical as well as good client mgmt skills. It's not a common combination.

Issuer

Professionalism during the project delivery and in-depth understanding of the selected topics, alongside with a flexible approach on topics e.g. change of language, timeline or scope of the project

Processor

Really took time to listen and understand our business to provide tailored and relevant consulting, it felt very bespoke not reliant on generic approach

Global Acquirer

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