Payments · Open Banking · Scheme FeesDeep payments expertise, mapped to your business.
We help issuers, acquirers, lenders, schemes and fintechs make better decisions on scheme fees, regulation and product. Established 2007, based in Manchester, working across Europe.
Four ways we work with payments leaders.
Areas where we work intensively, with real depth and a documented track record. Everything else is supporting work that goes deeper when the brief demands it.
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Comparison studies, invoice audits and RFP support for issuers and acquirers managing scheme-fee exposure. Strategy and execution across the payments value chain from management information and financial models you can act on.
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Development and delivery of bespoke courses for industry teams and practical help with UK and EU regulation change, from someone who sat on the PSR Panel including FCA frameworks, Consumer Duty and board-level governance.
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App benchmarking and design advice from the team behind the Mobile Banking App Review.
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For founders, boards and senior leadership teams who need a payments-literate adviser in the room. Mark holds a small portfolio of NED and advisory positions (currently Aspire FT and Edstart). New roles taken on selectively and only where the work is substantive.
Mobile Banking App Benchmark Report
Six years of data on 26 apps. Co-published with Visa. Used by product and strategy teams across European retail banking. The German Spring 2026 edition is out now.
Subject-matter depth on the detail that moves your numbers
We know scheme fees inside out and map the detail to your situation. The value is experience, benchmarks and network-validated insight, the kind of work that is hard to produce in-house.
Every engagement tells a clear story: context, analysis, findings, and a direct answer to the question you are actually asking. We challenge assumptions, ours and yours, and stand behind the result in front of your board.
