‘‘A B2B payment gateway provider specialising in the FX, CFD broker sector needed UK launch support. The firm also provides payment rails into SEA, LATAM and China. The business is particularly focused on non-standard payment methods such as mobile and QR codes. The first phase of the engagement involved HAL experts using the managed innovation exercises to support the creation of a new company in the UK market as well as providing practical assistance with applications for an EMI licence and initiatives to enhance the brand globally.

In subsequent phases HAL practitioners used a problem solving canvas to utilise the proprietary software application and enhance to ensure it complied with UK regulatory requirements from a user interface, safeguarding and regulatory compliance perspective. Also, engaging ideation exercises evolved the product offering from B2B and into B2B2C with a focus on ecommerce, card issuance and tokenisation.”

‘‘A cutting-edge Fintech for global brands engaged HAL experts to solve operating model problems and introduce new banking and payment solutions."

The first phase of the engagement included using our industry-leading problem-solving canvas and managed innovation process to identify potential banks and payment solutions. The exercise resulted in better day-to-day transactional banking capability and the introduction of new payment support for the business.

In subsequent phases, HAL experts established an appropriate target operating model in preparation for a Series A funding round. This exercise included working closely with the owners and senior management team in preparation for the funding round, including an introduction to funding options, channels and investor groups.

‘‘A new entrant to the UK financial services entrant wanted expert help to optimise proposition design whilst delivering complex regulatory requirements. In addition, the firm wanted practitioner input into customer-centric pricing principles using best practices from the banking and payments sectors.

The first phase of the engagement included managed innovation exercises and workshops to build the proposition and ensure adherence to regulatory considerations.

In subsequent phases, a team of HAL practitioners used a problem solving canvas to assess customer, operational, and regulatory barriers influencing switching behaviour based on learning from the banking and insurance sectors. This exercise also checked the extent to which new business ac question cycles can or cannot be disrupted, plus likely regulatory and competitor strategies.”

“A mature UK financial services business worked with HAL experts to rebuild key existing pricing models using Gradient Boosting Machines (GBMs). Businesses are increasingly using machine learning models like GBMs to automate and increase the accuracy of their pricing models.

However, GBMs are more difficult to interpret and communicate than conventional modelling approaches.

HAL experts built a custom and interactive GBM visualisation solution to review GBM performance and explain the impact of individual data features on the model output. This made model review and sign-off faster and more insightful as the complexity of the GBM was transformed into an interactive and easy to understand output.”