Retail & Consumer Banking, Cards & Payments

BankT&D Consulting can help you build a sustainable competitive advantage by optimising the building blocks of your Retail, Consumer Banking and Payments businesses.

Market evolution, a burgeoning consumer demand for banking services and secular trends in electronic payments mean that this is a very exciting time in the world of Consumer Banking and Payments.  Middle and upper income customers are increasingly looking for more sophisticated products to meet their savings and asset purchase needs.  New customer segments, previously at the peripheries of banking, are rapidly entering the market.  A profitable Consumer Banking & Payments business continues to be a core product offering across the financial services sector, with new players entering on a regular basis.

Our team includes former executives who have:

  • Led and managed consumer banking & payments businesses across the globe. They have experience across a variety of business situations and markets, from remedial management to new market entry, and, across markets at various stages of evolution.
  • Expertise that spans the spectrum of customer segments & product offerings from Deposit, and Lending to Cards, eCommerce and mPayments.
  • A mix of broad business experience and functional skills to assist at all points of the value chain.

BankT&D Consulting will work with you on a plan to build, enhance or re-position your Retail, Consumer Banking & Payments business.

We do this by:

  1. Conducting diagnostics and benchmarking to your current business model.
  2. Refining or designing some or all of the other building blocks of the business.
  3. Providing a detailed, implementable framework with defined time-lines for evaluating and developing the business to build scale and sustainable profitability.
  4. Provide the hands- on support to implement and execute your business plans and strategies.

Our team can support your business plans and strategies, and help you to deliver them to success. Whether your needs are for high-end strategic business design and strategy execution, sales and relationship management, underwriting, end-to-end risk management, process and controls, or specialist training, we have the people to help you.

Retail & Consumer Banking, Cards & Payments Team