The Fintech Consultancy Group, or Fincog, specialises in fintech consulting.

We provide bespoke solutions in strategy consulting, market research, and commercial due diligence for a broad swathe of stakeholders in the financial services industry such as banks, payment service providers, wealth - and asset managers, as well as investors, governments and new, innovative start-ups. Our solutions give detailed, actionable insights, and our business strategies propel businesses forward.

We are a team of consultants that possess experience in every facet of financial services, meaning we can create tailored solutions that provide our clients with the insights they need to excel in a competitive financial landscape.

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Our services

Strategy Consulting Wherever your strategic questions lie, we work with you to find the right answers.
Market Research Our in-depth research across a number of sectors gives you unique insights.
Commercial Due Diligence We thoroughly evaluate potential investments in companies for informed decision-making.

What we value

As a company that focuses on fintech, we believe it has the power to help banking become more efficient and reach broader audiences with improved services, being a driver of growth for not only companies and their customers, but financial inclusion as well. We also believe in going beyond delivering services. This is why we seek out the core of what is of importance to our clients.

Our competence in a wide range of fields allows us to expertly analyse and interpret data in ways that improve customer experience, enhance operational efficiency, and bolster financial inclusion in fintech. In these ways, we bring a fresh, capable, and impact-driven approach to creating the most relevant and sustainable solutions for our clients.

recent projects

Developing an online lending proposition for SMEs for a retail bank Corporate venturing strategy for a retail bank Market analysis of the global payment landscape for Europe’s governing body Business case for the creation of a challenger bank Commercial due diligence for a large bank considering a minority investment in a banking fintech Commercial due diligence in foreign exchange on behalf of a strategic investor
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our latest blog articles

Putting Challenger Banks on The Path to Profitability

We previously highlighted that the challenger bank’s revenue and profitability have generally not yet matched expectations. We have performed another benchmark on leading international challenger banks. While it’s a mixture of players, they share that they are all profitable. Our benchmark provides interesting learnings for success. While the path to future profitability differs per player, we have defined four strategic initiatives that challenger banks can undertake to drive revenue and become profitable. read more

The Profitability Challenge for Challenger Banks

There has been a strong growth of challenger banks in recent years. Despite their strong growth, however, their revenue and profitability are lagging behind. We have benchmarked some of the leading international players on their propositions and financial results. Overall, a less-active customer base combined with a limited product portfolio at lower margins, leaves many challengers with low income per customer and often negative profitability. read more

The Netherlands: A well-functioning banking market that still ofers some interesting opportunities.

The Netherlands has a well-functioning banking market, with one of the lowest cost of banking services, good quality of service, and low defaults on lending. However, there are still some interesting opportunities in specific niches. This article provides an overview of the Dutch banking market and explores potential opportunities for financial service providers. read more