can be licensed without costly rebuilds.
A fintech model banks and partners can say yes to
can be licensed without costly rebuilds.
Most banking rejections start in the business model
A product can work perfectly for users and still be declined by a bank.
Unclear fund flows, customer funds mixed with operating money, or activities that fall outside the licence you hold are among the most common reasons accounts are refused, acquirers walk away and launches slip.
Fintech Consulting fixes these issues at the design stage – when changes are fastest and cheapest, and before they cost you a partner or a funding round.
Strategic advice for financial products that need banking to work
For teams making decisions that are hard to reverse
Founders validating a fintech concept before fundraising or build
Growth-stage companies adding products, markets or payment features
Non-financial businesses embedding payments, wallets or lending into their offer
High-risk businesses that keep hitting walls with banks and payment providers
Investors and acquirers who need an independent view of a fintech business
A structured engagement with clear outputs
Discovery session
We review your product, fund flows, target markets and commercial plans.
Bankability and regulatory mapping
We identify what banks, partners and regulators will require, and where your model falls short.
Recommendations report
You receive a written assessment with the recommended model, risks and required changes.
Implementation support
We work with your team to apply the changes and prepare for licensing and partner onboarding.
A business built to be funded, banked and scaled
Often combined with
Licensing & Market Entry
turning the recommended model into an approved licence.
Payments Consulting
securing the banking and acquiring partners your model depends on.
Corporate Structuring
setting up the group structure your model requires.
Test your model before a bank does
Share your business model and target markets. CapitaLogic team will show you where the risks are for banks and partners – and how to remove them.