Strategic Finance for Payments and Fintech Platforms

ScalePoint is an independent strategic finance advisory practice working alongside finance and commercial leadership in complex payments, fintech and platform businesses, embedding financial discipline into strategic and capital decisions

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Tension

When Strategic Ambition Outruns Financial Discipline

In complex payments and fintech businesses, growth, integration and capital decisions move quickly. The economics do not always keep pace

In complex payments and fintech environments, growth can accelerate while margin quality, cost to serve and capital intensity receive insufficient scrutiny. As integration, regulatory and capital pressures increase, the gap between strategic ambition and financial reality widens.

Rising complexity places greater demands on finance to operate as a cross functional partner shaping commercial and capital decisions. Yet the discipline applied to those decisions does not always keep pace. Volume expands. Capital is deployed. The underlying economics are not always examined with equal rigour.

That drift is where value erodes, and where focused financial discipline can protect and recover it.

Response

Bridging Strategy, Economics and Execution

We work alongside management teams while providing the economic rigour investors expect

Board and Investor Advisory

Support boards, CFOs and investors with independent economic scrutiny across investment, portfolio and refinancing decisions. We review value creation plans, stress test assumptions and model risk, return and downside scenarios to ensure capital is committed and managed on defensible grounds.

Unit Economics and Profit Discipline

Build and interrogate detailed transaction level models alongside finance teams, examining pricing, interchange, scheme costs and cohort behaviour to clarify contribution margin, capital intensity and structural profitability. The focus is on durable economics and margin quality, not volume alone.

Operationalising Strategy

Translate strategic intent into financially executable plans, working closely with leadership and finance teams to connect growth assumptions, margin dynamics and capital requirements to clear performance targets, accountability and integrated financial models.

Differentiator

The Operator’s Advantage

Strategy informed by operating and financial reality

Drawing on more than two decades across payments, fintech and platform businesses, in both senior operating and advisory roles, we combine sector judgement with hands on financial rigour.

The advice given is shaped by having operated inside businesses, managed growth targets and navigated board level scrutiny directly.

Engagements are led personally, ensuring direct access to a partner who understands both the strategic ambition and the financial discipline required to deliver it.

Impact

Client Contexts and Case Studies

Insights and Tools

Operational Intelligence for FinTech Leaders

Next Step

Exploratory Conversation

A confidential discussion to determine whether there is a clear strategic finance mandate

The conversation can be structured around specific capital, performance or integration questions, or simply used to explore the issues at hand at a senior level. Where appropriate, a more detailed review is defined under NDA.

Contact us

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Strategic Finance for Payments and Fintech Leaders

London - Barcelona


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