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Banking, Payments, FX & Travel Money

In order to stay ahead of the competition, you need to constantly innovate and improve your business. HAL Consulting is here to help. 


Our banking, payments and foreign exchange expertise will help you solve operating model, pricing and commercial challenges and accelerate competitive advantage.

We deliver industry-leading outcomes for your business by combining the latest customer, commercial and regulatory thinking. Our experts bring expertise from a range of banks, credit unions, consumer lenders, payment providers and E-Money licenced firms. 


• Acquisition and retention tactics
• Operating model and architecture design
• FX, currency wallets, EMI licences, payments
• Asset and deposit growth, NSFR, LCR, ROTE
• Payment solutions and Open Banking adoption
• Product lifecycle management and personalisation
• Pricing strategy and price optimisation
• Customer experience simplification
• Distribution models and branch network challenges


Work with industry experts who deeply understand the latest regulatory trends and developments. We use this knowledge to help you deliver the right outcomes for your business

Complete a series of comprehensive assessments to build, grow and run more commercially successful and compliant products. Fuse customer, regulatory and commercial outcomes more effectively with our unique practitioner guidance.


• Strengthen conduct and culture assessments
• Improve measurement and evidencing
• Benefit from forward-looking regulatory analysis
• Implement customer-centric design
• Enhance vulnerable customer strategy
• Leverage independent health checks
• Improve customer framework design, including Consumer Duty.
• Streamline organisational structures
• Develop AML, fraud and credit risk models


Use a proven process for managed innovation that will help you improve your proposition and product design and create high-quality prototypes or new code.

We accelerate competitive advantage by delivering you innovative proposition design. We do this by linking the latest technology, data, customer and commercial thinking. Our managed innovation process brings this to life and includes the option for you to prototype solutions.

• Customer and technology-led new proposition development
• Know your market and customer better than the competition
• Launch market-leading products and services
• Optimise your brand and distribution model
• Improve your commercial model and expense base


Our market-leading Dynamic Currency Conversion (DCC) expertise provides insights and opportunities you can act upon to strengthen commercial and regulatory outcomes.

Our practitioners share the latest ATM DCC global trends and competitor responses. Including new product development, best practices and innovation across the ATM market. In addition, our experts supply you with forward-looking customer, regulatory and commercial opportunities you can act upon quickly.


• Optimise ATM networks and estates for DCC
• Improve scheme engagement to capture DCC opportunities
• Leverage DCC best practices from across the industry
• Strengthen margin-setting principles and practices
• Enhance regulatory compliance and forward-looking insight

Fuse together the latest customer, regulatory and commercial thinking to accelerate competitive advantage

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• Clarify business models challenges.

• Gather data and MI.

• Agree on business outcomes.

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• Complete in-depth business assessments.

• Provide SWOT assessment

• Outline recommendations.

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• Ongoing strategic input and direction.

• Improve design and delivery.

• Strengthen governance and execution.

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• Develop high-quality prototypes.

• Complete user testing.

• Validate business cases.

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• Scale prototypes to MVP.

• Test customer reaction and market feedback.

• Establish build and transformation roadmap.

Recent Banking, Payments, FX & Travel Money Case Studies

Meet the team behind our Banking, Payments, FX & Travel Money service

Experienced professionals who have run businesses, products, and functions in the UK and Internationally. Sectors include global banking,
transactional payments, regulation, AML and sanctions.


James Yerkess

Founding Partner


Giles Custerson

Founding Partner


Colin Robertson

Founding Partner

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Dean Rigby

Founding Partner


James Pearson

Associate Partner