Strategic finance for payments, fintech and platform businesses

ScalePoint is an independent strategic finance advisory practice at the intersection of strategy, finance and commercial reality, working with finance and commercial leaders in complex payments, fintech and platform businesses

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What We Do

Bringing Financial Reality to Payments and Fintech Strategy and Commercial Decisions

We work at the intersection of finance, strategy, product and commercial decision making, helping leadership teams ensure that growth plans, pricing structures and capital allocation are grounded in durable unit economics and long term returns.

Much of the tension inside scaling businesses comes from the fact that these decisions are often made in isolation. Strategy sets ambition, commercial teams pursue revenue, product drives the roadmap and finance attempts to reconcile the numbers after the fact. Our work sits in the middle of that gap, bringing financial discipline directly into the decisions that shape how the business grows.

Economic Judgement for Boards and Management In Complex Payments, Fintech and Scaling Platforms

Board and Investor Advisory

We act as an independent strategic finance partner to boards, CFOs and executive teams on high leverage decisions. That includes reviewing value creation plans, stress testing expansion logic and clarifying trade offs across investment, refinancing and portfolio strategy. The work often sits alongside private equity operating partners and leadership teams as they evaluate acquisitions, assess partnership opportunities or optimise portfolio company performance.

Commercial and Product Economics

We work alongside finance, commercial and product leaders to understand and shape the economic engine of the business. From transaction level unit economics and cost to serve through to enterprise pricing and partnership terms, we embed financial discipline directly into commercial negotiation, product roadmap and deal design. This often includes supporting product strategy, sales and commercialisation decisions where pricing architecture, partner economics and distribution models determine whether growth strengthens contribution margin and long term returns.

Strategic Execution and Financial Integration

We help leadership teams convert strategic intent into financially coherent operating plans, linking growth assumptions, margin dynamics and capital requirements into integrated models with clear accountability. This often sits alongside broader transformation initiatives, including platform development or digital operating model changes, where strategic ambition must translate into economically sustainable execution.

Differentiator

Strategy informed by operating and financial reality

Our work is rooted in the payments, fintech and broader financial services ecosystem. Having held senior operating roles within the industry as well as worked in strategy consulting, we bring strategic perspective together with the practical judgement that comes from operating inside the business.

Our experience spans the wider payments and fintech landscape, from card payments and embedded finance to foreign exchange, cross-border payouts, banking, lending and insurance, often within platform businesses where global payment flows shape the underlying economics.

In payments and fintech businesses the underlying economics are tightly structured. Pricing, interchange, partner agreements, funding costs, technology infrastructure and regulation all interact in ways that ultimately determine long term returns.

Impact

Client Contexts and Case Studies

Strategic Partnership Economics
Restoring Commercial Alignment in a Platform Relationship
The Problem
A strategic platform partnership began to underperform as volumes, pricing assumptions and implementation costs diverged from the original investment case, creating tension between commercial expectations and operational reality.
The Strategy
Assessed the underlying operating and financial logic of the relationship, isolating incentive misalignment and cost allocation drift. Reconstructed the economic model to provide a clear, fact-based foundation for renegotiation.
The Impact
Equipped leadership with a defensible economic position, enabling constructive renegotiation. Reset performance expectations, realigned incentives, and restored a commercially sustainable partnership trajectory.
Regulatory Risk and Revenue Protection
PSD2 Compliance and European Revenue Recovery
The Problem
A major US hotel franchise faced $60 million in non-compliant revenue exposure across more than 200 European properties due to fragmented payment processes and complex PSD2-SCA requirements.
The Strategy
Partnered with treasury and operational leaders to map payment flows, isolate compliance gaps, and negotiate provider solutions. Designed and implemented a unified, regulation-compliant payments architecture across jurisdictions.
The Impact
Secured $60 million in at-risk revenue while modernising the digital guest journey. Enabled mobile check-in and loyalty integration, embedding regulatory compliance within a scalable European payments framework.
Strategic Value Creation
Quantifying a Platform Pivot into Enterprise Value
The Problem
An international FX and payments firm pivoting toward a platform-led model lacked a quantified bridge between strategic ambition and financial outcomes. The narrative was compelling, but enterprise value impact remained undefined and unmeasured.
The Strategy
Designed a quantified enterprise value creation plan, defining capital priorities, investment sequencing, and people costs. Worked directly with the C-suite to assign ownership and translate strategy into accountable financial metrics.
The Impact
Converted a conceptual platform shift into a transparent value roadmap. Secured executive alignment and established a measurable path toward sustainable enterprise value growth grounded in operational delivery.
Investment Appraisal and Commercial Due Diligence
Forensic Assessment of an AI-Native Fraud Platform Pre-IPO
The Problem
A private equity client evaluated a high-growth global AI fraud platform ahead of IPO. The central question was whether performance reflected structural advantage or short-term valuation expansion.
The Strategy
Led forensic commercial diligence, stress-testing AI-driven unit economics, scalability, and competitive durability. Modelled long-term yield stability and EBITDA resilience to assess seven-year hold viability against exit expectations.
The Impact
Identified material long-hold risks and margin friction inconsistent with the investment thesis. Recommended a disciplined no-go decision, preserving capital despite subsequent public market validation.
Strategic Partnership Economics
Restoring Commercial Alignment in a Platform Relationship
The Problem
A strategic platform partnership began to underperform as volumes, pricing assumptions and implementation costs diverged from the original investment case, creating tension between commercial expectations and operational reality.
The Strategy
Assessed the underlying operating and financial logic of the relationship, isolating incentive misalignment and cost allocation drift. Reconstructed the economic model to provide a clear, fact-based foundation for renegotiation.
The Impact
Equipped leadership with a defensible economic position, enabling constructive renegotiation. Reset performance expectations, realigned incentives, and restored a commercially sustainable partnership trajectory.
Regulatory Risk and Revenue Protection
PSD2 Compliance and European Revenue Recovery
The Problem
A major US hotel franchise faced $60 million in non-compliant revenue exposure across more than 200 European properties due to fragmented payment processes and complex PSD2-SCA requirements.
The Strategy
Partnered with treasury and operational leaders to map payment flows, isolate compliance gaps, and negotiate provider solutions. Designed and implemented a unified, regulation-compliant payments architecture across jurisdictions.
The Impact
Secured $60 million in at-risk revenue while modernising the digital guest journey. Enabled mobile check-in and loyalty integration, embedding regulatory compliance within a scalable European payments framework.
Strategic Value Creation
Quantifying a Platform Pivot into Enterprise Value
The Problem
An international FX and payments firm pivoting toward a platform-led model lacked a quantified bridge between strategic ambition and financial outcomes. The narrative was compelling, but enterprise value impact remained undefined and unmeasured.
The Strategy
Designed a quantified enterprise value creation plan, defining capital priorities, investment sequencing, and people costs. Worked directly with the C-suite to assign ownership and translate strategy into accountable financial metrics.
The Impact
Converted a conceptual platform shift into a transparent value roadmap. Secured executive alignment and established a measurable path toward sustainable enterprise value growth grounded in operational delivery.
Investment Appraisal and Commercial Due Diligence
Forensic Assessment of an AI-Native Fraud Platform Pre-IPO
The Problem
A private equity client evaluated a high-growth global AI fraud platform ahead of IPO. The central question was whether performance reflected structural advantage or short-term valuation expansion.
The Strategy
Led forensic commercial diligence, stress-testing AI-driven unit economics, scalability, and competitive durability. Modelled long-term yield stability and EBITDA resilience to assess seven-year hold viability against exit expectations.
The Impact
Identified material long-hold risks and margin friction inconsistent with the investment thesis. Recommended a disciplined no-go decision, preserving capital despite subsequent public market validation.
Strategic Partnership Economics
Restoring Commercial Alignment in a Platform Relationship
The Problem
A strategic platform partnership began to underperform as volumes, pricing assumptions and implementation costs diverged from the original investment case, creating tension between commercial expectations and operational reality.
The Strategy
Assessed the underlying operating and financial logic of the relationship, isolating incentive misalignment and cost allocation drift. Reconstructed the economic model to provide a clear, fact-based foundation for renegotiation.
The Impact
Equipped leadership with a defensible economic position, enabling constructive renegotiation. Reset performance expectations, realigned incentives, and restored a commercially sustainable partnership trajectory.
Regulatory Risk and Revenue Protection
PSD2 Compliance and European Revenue Recovery
The Problem
A major US hotel franchise faced $60 million in non-compliant revenue exposure across more than 200 European properties due to fragmented payment processes and complex PSD2-SCA requirements.
The Strategy
Partnered with treasury and operational leaders to map payment flows, isolate compliance gaps, and negotiate provider solutions. Designed and implemented a unified, regulation-compliant payments architecture across jurisdictions.
The Impact
Secured $60 million in at-risk revenue while modernising the digital guest journey. Enabled mobile check-in and loyalty integration, embedding regulatory compliance within a scalable European payments framework.
Strategic Value Creation
Quantifying a Platform Pivot into Enterprise Value
The Problem
An international FX and payments firm pivoting toward a platform-led model lacked a quantified bridge between strategic ambition and financial outcomes. The narrative was compelling, but enterprise value impact remained undefined and unmeasured.
The Strategy
Designed a quantified enterprise value creation plan, defining capital priorities, investment sequencing, and people costs. Worked directly with the C-suite to assign ownership and translate strategy into accountable financial metrics.
The Impact
Converted a conceptual platform shift into a transparent value roadmap. Secured executive alignment and established a measurable path toward sustainable enterprise value growth grounded in operational delivery.
Investment Appraisal and Commercial Due Diligence
Forensic Assessment of an AI-Native Fraud Platform Pre-IPO
The Problem
A private equity client evaluated a high-growth global AI fraud platform ahead of IPO. The central question was whether performance reflected structural advantage or short-term valuation expansion.
The Strategy
Led forensic commercial diligence, stress-testing AI-driven unit economics, scalability, and competitive durability. Modelled long-term yield stability and EBITDA resilience to assess seven-year hold viability against exit expectations.
The Impact
Identified material long-hold risks and margin friction inconsistent with the investment thesis. Recommended a disciplined no-go decision, preserving capital despite subsequent public market validation.
Strategic Partnership Economics
Restoring Commercial Alignment in a Platform Relationship
The Problem
A strategic platform partnership began to underperform as volumes, pricing assumptions and implementation costs diverged from the original investment case, creating tension between commercial expectations and operational reality.
The Strategy
Assessed the underlying operating and financial logic of the relationship, isolating incentive misalignment and cost allocation drift. Reconstructed the economic model to provide a clear, fact-based foundation for renegotiation.
The Impact
Equipped leadership with a defensible economic position, enabling constructive renegotiation. Reset performance expectations, realigned incentives, and restored a commercially sustainable partnership trajectory.
Regulatory Risk and Revenue Protection
PSD2 Compliance and European Revenue Recovery
The Problem
A major US hotel franchise faced $60 million in non-compliant revenue exposure across more than 200 European properties due to fragmented payment processes and complex PSD2-SCA requirements.
The Strategy
Partnered with treasury and operational leaders to map payment flows, isolate compliance gaps, and negotiate provider solutions. Designed and implemented a unified, regulation-compliant payments architecture across jurisdictions.
The Impact
Secured $60 million in at-risk revenue while modernising the digital guest journey. Enabled mobile check-in and loyalty integration, embedding regulatory compliance within a scalable European payments framework.
Strategic Value Creation
Quantifying a Platform Pivot into Enterprise Value
The Problem
An international FX and payments firm pivoting toward a platform-led model lacked a quantified bridge between strategic ambition and financial outcomes. The narrative was compelling, but enterprise value impact remained undefined and unmeasured.
The Strategy
Designed a quantified enterprise value creation plan, defining capital priorities, investment sequencing, and people costs. Worked directly with the C-suite to assign ownership and translate strategy into accountable financial metrics.
The Impact
Converted a conceptual platform shift into a transparent value roadmap. Secured executive alignment and established a measurable path toward sustainable enterprise value growth grounded in operational delivery.
Investment Appraisal and Commercial Due Diligence
Forensic Assessment of an AI-Native Fraud Platform Pre-IPO
The Problem
A private equity client evaluated a high-growth global AI fraud platform ahead of IPO. The central question was whether performance reflected structural advantage or short-term valuation expansion.
The Strategy
Led forensic commercial diligence, stress-testing AI-driven unit economics, scalability, and competitive durability. Modelled long-term yield stability and EBITDA resilience to assess seven-year hold viability against exit expectations.
The Impact
Identified material long-hold risks and margin friction inconsistent with the investment thesis. Recommended a disciplined no-go decision, preserving capital despite subsequent public market validation.

Insights and Tools

Operational Intelligence for FinTech Leaders

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Agentic AI in Finance: Why Maturity Comes Before Machines

Agentic AI in fintech finance only delivers value when the CFO office progresses through a maturity path

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Private Equity After the Reset: From Capital Abundance to Capital Discipline

PE's current test is whether the underlying economic engine can compound without continuous external subsidy

When Smartsheet Actually Makes Sense

An opinionated view on when Smartsheet is genuinely useful—and when it isn't—based on regulated fintech work.

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When Operating Models Outgrow Spreadsheets

The moment spreadsheets stop being helpful and start being dangerous—and what actually breaks under scale.

Red More

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.

Bringing Financial Reality to Payments and Fintech Strategy and Commercial Decisions

Economic Judgement for Boards and Management In Complex Payments, Fintech and Scaling Platforms

Strategy informed by operating and financial reality

Client Contexts and Case Studies

Strategic Partnership Economics

Restoring Commercial Alignment in a Platform Relationship

The Problem

The Strategy

The Impact

Regulatory Risk and Revenue Protection

PSD2 Compliance and European Revenue Recovery

The Problem

The Strategy

The Impact

Strategic Value Creation

Quantifying a Platform Pivot into Enterprise Value

The Problem

The Strategy

The Impact

Investment Appraisal and Commercial Due Diligence

Forensic Assessment of an AI-Native Fraud Platform Pre-IPO

The Problem

The Strategy

The Impact

Operational Intelligence for FinTech Leaders

Agentic AI in Finance: Why Maturity Comes Before Machines

Agentic AI in Finance: Why Maturity Comes Before Machines

Private Equity After the Reset: From Capital Abundance to Capital Discipline

Private Equity After the Reset: From Capital Abundance to Capital Discipline

When Smartsheet Actually Makes Sense

When Smartsheet Actually Makes Sense

When Operating Models Outgrow Spreadsheets

When Operating Models Outgrow Spreadsheets

Exploratory Conversation

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

Start a Conversation