Know what makes the product profitable.
Connect revenue per loan with funding, acquisition and servicing costs. Establish the conditions under which growth creates value.
STRATEGY. PRODUCT. DELIVERY.
A stronger model.A clearerway forward.
Launching and developing financial products. Connecting economics, credit risk and technology in a coherent business model.
+A new perspective on financial opportunity01 / HUMAN FINTECH
01Credit products02Payment infrastructure03New markets04Due diligence
The bigger picture. Every important detail.
Financial products work when their parts work together. Strategy sets the direction. Economics defines the boundaries. Data, processes and technology turn ambition into delivery.
Human Fintech is an independent advisory practice for banks, microfinance institutions, fintech companies and investors.
EXPERTISE
At every stage of business development.
From a new product to a change in an established model — informed by how financial businesses operate in practice.
01
Credit products.
From product hypothesis to a functioning lending model.
02
Payment infrastructure.
Connecting customer experience, funds flow and technology.
03
New market entry.
Adapting products to local data, partners and market conditions.
04
Product & Operational DD.
Understanding a business beyond its presentations and accounts.
ONE CONNECTED PRODUCT
Economics.Risk.Technology.
Every decision is assessed in the context of the whole product: its impact on customers, profitability, portfolio quality and the capacity to grow.
Our approach ↗Understand the cost of each decision.
Connect approval rules, limits and expected losses. Assess how product changes affect portfolio quality.
Turn the model into a working process.
Align data, the platform and the team’s responsibilities. Bring changes into a pilot with clear measures of success.
APPROACH
Strategy made for implementation.
A clear objective, informed decisions and a structured path to agreed outcomes.
01
Understand the objective.
Establish the business context, constraints and the outcome the company needs.
02
Challenge the model.
Test assumptions against data, product economics and actual processes.
03
Design the solution.
Agree on changes, priorities, requirements and delivery responsibilities.
04
Put it into practice.
Support product implementation, the pilot and performance analysis.
PROFESSIONAL ETHICS
Trust goes beyond public case studies.
Client names, project materials and results remain confidential. Relevant experience is discussed privately, within agreed boundaries and existing client commitments.
What would you like to change?
Tell us about your product, market and objective. We will define where to start and what the work should deliver.
Discuss a project