As many seek to capitalize upon the promise of fintech, we, the Fintech Consultancy Group (Fincog), support incumbents, captives and challengers to become digital banking leaders.

With expertise in both established financial services and fintech, we bring a fresh approach to banking across the globe. Covering everything from strategy to implementation, we support you end-to-end, from proposition design and creating the operating model, to IT setup and regulatory licensing.

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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

The Digital Banking Opportunity in Africa

With the on average youngest population in the world and a rising mobile economy, Africa is becoming an attractive market for new entrants aiming to offers digital banking services to the largely underbanked population. In this blog based on our collaborative research together with BPC, we are looking into the market environment of Sub-Saharan Africa and the state of digital banks within the region. Read more

Organizational Design (Incumbent vs Challenger Bank)

Based on our longstanding experience within banking and supporting clients in establishing new organizations, this blog post aims to help you to align your organization to deliver a superior end-to-end customer experience by discussing the key differences in the organizational design of a traditional incumbent bank compared to a modern challenger. Read more

How to design the operating model of a digital bank

Operating models are an integral part of every bank’s business and if not properly designed, a bank can suffer critical consequences such as high operational cost, increased time-to-market cycles, elevated compliance risk and slowed decision making. In this blog article, we want to help you better understand how to avoid these pitfalls and show what it takes to design a comprehensive and successful operating model. Read more

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