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The Fintech Consultancy Group (Fincog) supports clients to become digital banking leaders by capitalizing upon new technology and optimizing operating models that propel the customer experience forward.

With expertise in both established financial services and fintech, we bring a fresh approach to banking across the globe. We support you end-to-end, covering everything from strategy onto design of operations and implementation.

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Our services

Strategy We develop your strategic vision tailored to your needs by building upon our extensive industry expertise.
Operational Excellence We design and optimize your operations across processes, technology and organizational model that enable your vision.
Implementation We deliver your strategic vision by building out your organization and launching your proposition, while maintaining project oversight.

Our mission

Fincog is driven to better people’s lives by improving the quality, cost, and access to financial services. We believe that financial innovation fosters better customer solutions. We strive to shape the future of banking by our objective, expert-driven approach that supports our clients to continuously evolve.

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 digital banking.

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Our latest blog articles

Moving to the latest generation of banking technology

The Future of Banking report by Fincog includes a podcast with Leda Glyptis, Chief Client Officer at 10x Banking, discussing traditional banking, fintech, and the future of banking. Glyptis explains that the economy around us is digital, and banks face pressure from the regulator, the economy, and users to offer digital services. Banks must start from where they are, dealing with constraints such as legacy systems, product siloes, and organizational structures. Good leadership is the key to success, not just technology. In terms of open banking and web 3.0, the first change is transparency, followed by access, with a reduction in the cost of services as the next step. Read more

How bunq is revolutionizing banking

Ali Niknam, the CEO of bunq, shared his insights on the future of banking and the role of neo banks in an interview with Fincog. He believes that incumbent banks are too internally focused, whereas neo banks like bunq focus on what consumers want. Niknam emphasizes the importance of keeping technology simple and scalable, and recommends that startups understand what their users expect and work backwards from there. Finally, Niknam predicts that neo banks will become banks and incumbent banks will become obsolete due to their inefficiency and lack of user-centricity. Read more

How does open banking improve user experience and efficiency?

Jan van Vonno, Head of Strategy at Tink, discusses the current state and future of open banking and payments in a recent Fincog podcast. He defines open banking as the exchange of data and services between financial institutions and third-party providers. The adoption of open banking is already here, and its impact has been seen in the increase of licensed providers in Europe. Jan also touches on PSD2's objectives and how banks are responding to the complexity of creating dedicated interfaces. The biggest risk for banks is losing face with their customers, so they aim to create compelling services. Read more