We are one of the leading management advisory firms in the payments industry.

Our clients include market-leading companies as well as suppliers to the industry, new entrants, investors and entrepreneurs. Our knowledge and our continuous engagement across the full range of stakeholders and all parts of the payments industry, enables us to be at the forefront of the market.

Our team has in-depth expertise along the entire value chain within cards, payments, digital commerce and digital convergence.

Our clients benefit from the passion of our consultants, our extensive international project experience, our proven methodologies and our proprietary industry data and benchmarks.

In addition to our own proven expertise, we are also able to leverage our extensive global network of industry subject matter experts.

The combination of our excellent payments industry knowledge and EY’s expertise and global reach enables us to holistically advise our clients in every situation. As an example, the cooperation allows us to provide comprehensive judgement from a commercial, as well as financial, perspective when conducting due diligences. Moreover, we can expand our services to include leading-edge methods, such as data-analytics.

Our clients

  • Banks
  • Issuer
  • Acquirers
  • Processors and suppliers
  • Payment networks and regulators
  • Payment service providers
  • Merchants
  • Financial investors

Industry Expertise

  • Card Issuing
  • Merchant Acquiring
  • Processing
  • Core and Corporate Payments
  • Online Payments
  • Mobile Payments
  • Digital Commerce
  • ATM

Functional Expertise

Strategy

  • Market Entry Strategy
  • Product and Pricing Strategy
  • Regulation
  • Sales and Marketing
  • Corporate Finance Strategy
  • Commercial Due Diligence

Operations

  • Operating Model
  • Restructuring
  • Cost Reduction
  • Post Merger Integration

Projects

Growth strategy for a medium-sized broker
A medium-sized broker with a focus on industrial business and a 150-year tradition is confronted with increasing competitiveness in the market and sinking margins in the core business...
International growth strategy for an acquirer
The customer belongs to the leading providers of payment solutions in Europe and the US, especially in the Merchant Acquiring segment the market position is excellent...
Improvement of the earnings position
Within the scope of strategy workshop sponsored by INNOVALUE, the board of directors of a top 30 savings bank (assets of approx. €8 billion) its growth strategy...
Accompanying a trans­action upon acquisition of a terminal portfolio
The customer is one of the leading providers in the net­work operations and merchant acquiring segment. The inter­national presence is expanded by entering of markets with a "follow your customer" strategy...
Cost benchmarking in insurance sales
As part of the merger of several subsidiaries, efficiency and effectiveness were to be increased in the different sales channels within the sales/marketing department...
Mobile payments business field strategy for a telco company
The customer belongs to the leading international tele­communications companies. Based on declining growth and increasing com­petition in the core business, the company has began looking for future growth areas...
Business valuation of an online financial service provider
An online financial service provider experiencing dynamic growth was seeking to raise further capital to expand its business...
Regulation – stress test, regulation and options for action
A large foreign insurance company is pursuing the goal of positioning itself as a leading international specialist for life insurances and pension solutions in Germany...
Product strategy in online payments sector
The customer belongs to the leading global suppliers of online payments solutions and within the scope of a change in management and ownership, the company reviews its corporate and product strategies...
E-money institution vs. full bank
A European provider of online payments solutions was faced with the challenge of a constantly growing volume of e-money...
Realignment of operational model
The current business climate in the insurance industry is putting pressure on the operational models of insurance companies, therefore they are faced with the challenge of aligning the internal processes to the new circumstances...
Target operating model for a PoS terminal manufacturer
The customer belongs to the leading global suppliers of Point of Sale (PoS) terminals. The company has grown quickly through acquisitions without an integration of the acquired company into a target operating model...
Restructuring and sale of a credit card processor
As a former monopoly, the customer was the market leader in the technical pro­cessing of electronic card transactions. With the de­regul­ation the company faced increasing pressure and the need of restructuring…
Market strategy for a top-5 insurance company
A globally operating top-5 insurance company offering life, composite and health insurance products through various sales channels, generates about 20% of the overall turnover through insurance agents and brokers...
Increasing bAV business
In a large regional database with more than 200 offices, the business field of company pensions is processed by both a GmbH (LLC) – for approaching corporate customers – as well as an in-house pensions department...

Publications

Taking off or going slow: what is the optimum pace for open banking to thrive?
May 2019

Contact Person

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Kai-Christian Claus
Partner & Managing Director
Andreas Kornowski
Director
Jan Lettow
Director

Twitter

08. May 2019
Kontaktlos mit Karte oder Smartphone bezahlen wird immer beliebter. Hier gibt es viele spannende Fakten zur Zukunft
30. April 2019
#payments Visa and Mastercard cut interchange fees to end EU antitrust investigation https://t.co/uvPFKxFuM0
30. April 2019
#payments PayPal to take a $500 million stake in Uber to "explore future commercial payment collaborations, includi
30. April 2019
#payments Amazon is launching a person-to-person mobile payments service in India https://t.co/w5sb8KZfUt
29. April 2019
#Divestments are helping many #insurers pivot toward new #technology-driven business models. Learn more in EY’s rechttps://t.co/050FrUBHY6BHY6
24. April 2019
#payments Germany's Wirecard to receive USD 1 billion from Japan's Softbank https://t.co/3MGo1ai6uQ
18. April 2019
#payments AIB and First Data to acquire Ireland's Payzone https://t.co/crXbgxuY1D
18. April 2019
Are #banks keeping up with #digitaltransformation at the same pace as their #finserv counterparts? Explore
15. April 2019
Our first Global Capital Confidence Barometer launched 10 years ago and reflected great unease. In 2009, boardrooms
11. April 2019
Slower action on regulatory policy and relatively lower levels of innovation counter the Netherlands’ strong mobilehttps://t.co/VwrwDFqpXMqpXM
08. April 2019
Canada’s burgeonin#FinTechch industry and a growing government focus o#openbankingng is positive but with low consuhttps://t.co/Ktf1JBMQFTMQFT
05. April 2019
What do #financial institutions need to be thinking about in an evolving ecosystem that demands agility and custome
05. April 2019
Hong Kong has high #openbanking adoption potential given its digitally-active population. #FinTech innovation is la
04. April 2019
#payments #vc Mastercard joins $88m https://t.co/lPf1pUzCkq funding round https://t.co/4fps5H4rsp
04. April 2019
Thales completes €4.8 billion takeover of Gemalthttps://t.co/ndr0b8wx4242
03. April 2019
Our online analysis related to consumer sentiment toward #openbanking reveals that ‘data protection’ and ‘cyberhttps://t.co/EjfnT7k2gvfnT7k2gv
27. March 2019
Digitalisierung in der deutschen Assekuranz: Optimieren anstatt neu denken? https://t.co/UvFaxVfyOc #AssCompact
26. March 2019
Können#Versichererr digital denken? Offensichtlich nicht, wenn man einer neuen Umfrage von@EY_Innovaluee glaubthttps://t.co/qf5pmVuA499
20. March 2019
From #OpenBanking transformation to balancing #PSD2 and #GDPR, EY's latest #payments newsletter looks at some of th
20. March 2019
Taking off fast, or taking it slow: where is Open Banking thriving? Our EMEIA Open Banking and Payments Leader, Ham

Events