As many seek to capitalize upon the promises of fintech, the Fintech Consultancy Group (Fincog) assists challengers and incumbents in shaping their future using market research, strategy consulting, and guided implementation.

With expertise in both established financial services and fintech, we bring a fresh and impact-driven approach to creating the most relevant and sustainable solutions tailored to our clients across the globe.

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Our services

Market Research We help you obtain a market overview, provide insights into the latest trends and assist in identifying commercial opportunities.
Strategy Consulting We develop a strategy tailored to your needs and define actions based on unique insights.
Implementation We implement your strategy and launch your propositions right up to and including the moment of client activation.

Our mission

Fincog is driven to better people’s live by improving the quality, cost, and access to financial services. We believe that neo banks are best poised to make this happen. Fincog strives to shape the future of banking by spreading fintech's potential and ensuring sustainable, profitable business models.

We work to truly understand what matters most to our client when shaping solutions that will stand the test of time. Building long-term relationships is important to us, so we focus on the people behind the project. And just as we invest in our clients, we invest in ourselves by continuously advancing our expertise in fintech and neo banking.

Recent projects

Neo Bank Benchmarking Consumer Finance Market Scan Online Lending Proposition for SMEs Business Proposition for a Neo Bank Constructing a Mobile-Centric Retail Bank Project Management for Neo Bank Implementation
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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