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Sector · FinTech, Banking & Payments

FinTech, Banking & Payments — expertise that delivers.

Senior consultancy and interim management for FinTechs, banks, payment institutions and digital finance businesses. Payments, fraud, regulation, technology integration and growth — from people who have built and run them.

Grant & Graham FinTech expertise — payments, fraud prevention and digital banking
FinTech Expertise

A consultancy built by payments operators.

Grant & Graham has deep, senior-level expertise across the FinTech, banking and payments sector. With direct experience in payments processing, fraud prevention, financial solutions and technology integration, we offer practitioner insight and execution capability tailored to the dynamic needs of FinTech and digital finance businesses.

We have led numerous projects in this space — from interim leadership inside major payment processors to building commercial functions for early-stage payments startups — delivering innovative, commercially-grounded solutions that drive growth and enhance operational efficiency.

17 Years Operating Founded 2009. Working with FinTechs, banks, payment institutions and digital finance scale-ups across multiple jurisdictions.
$220M Operator Pedigree Founder Andrew Collins scaled Service Industries Ltd from $15M to $220M before its acquisition by NCR. Operator DNA, not advisory theory.
3 Continents Network across UK, EU, Middle East and the United States — covering the regulated payments markets that matter.
Where We Add Value

Four areas of deep capability.

FinTech is a sector where commercial outcomes depend on regulatory mastery, technology architecture and a sales motion that respects long buyer cycles. Grant & Graham operates across all four.

01 · PAYMENTS

Payments

From traditional payment processing to digital and real-time payments, our consultants design and implement payment solutions that meet the highest standards of security, speed and reliability. Acquiring, issuing, switching, BIN routing — the full stack.

02 · FRAUD

Fraud Prevention

In an era of constant cybersecurity threats, robust fraud prevention is critical. We design and deploy detection systems leveraging machine learning and AI to identify and mitigate fraudulent activity in real time — protecting the business and the customer base.

03 · FINANCIAL

Financial Solutions

Comprehensive financial advisory tailored to FinTech businesses — risk management, financial planning and analysis, regulatory compliance, treasury and capital structuring. Helping you maintain financial health and make informed decisions that drive growth.

04 · TECHNOLOGY

Technology Integration

Successful FinTech operations require seamless integration of diverse systems — core banking platforms, payment gateways, mobile apps, fraud engines, KYC and CRM. We specialise in turning fragmented stacks into a cohesive technological ecosystem aligned to commercial goals.

Success Stories

Real engagements. Real outcomes.

A snapshot of recent FinTech and payments engagements where Grant & Graham delivered measurable change — in revenue, capability or operational performance.

Worldline

During his tenure at Worldline, Andrew Collins led multiple complex projects to delivery — demonstrating the project and stakeholder management discipline that a global payments processor demands. Tight deadlines, multiple workstreams, measurable improvements in operational efficiency and productivity.

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MyPay

As an interim leader at MyPay, Andrew opened the company to international clients and expanded its market reach across Europe and the United States. Strategic vision, stakeholder leadership and the commercial execution that established MyPay as a major player in financial technology.

GG Payments

Andrew played a crucial role in the growth of GG Payments — structuring the business and driving sales. By developing a new payment routing switchboard focused on BIN numbers and country location, transaction acceptance rates improved significantly, sharpening the company's market competitiveness.

How We Engage

Three engagement models. One standard.

FinTech and payments clients work with us across our three core service lines — sized to the problem, not packaged off the shelf.

Service 01

Interim Management

Senior interim CEOs, CROs, CFOs, CTOs and product directors deployed in days. Stabilise the situation, deliver the outcome, hand over cleanly. From scale-up Series A to enterprise turnaround.

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Service 02

Management Consultancy

Senior-led advisory across strategy, transformation, operations and M&A — applied with deep FinTech, payments and banking sector knowledge. Practical work that produces decisions, not decks.

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Service 03

Growth as a Service

A fully managed commercial function for FinTechs scaling into new markets — senior sales leadership, BD team, CRM and pipeline, deployed inside weeks. Built for regulated B2B payments and SaaS dynamics.

Explore GaaS →
Where We Work

FinTech, banking & payments sub-sectors.

Our consultants work across the full breadth of the financial services and FinTech ecosystem — from established institutions to category-defining scale-ups.

Payments & Acquiring Issuing & Cards Digital Banking Neobanks & Challenger Banks Open Banking RegTech WealthTech InsurTech LendTech & BNPL Cross-Border Payments Fraud & AML KYC / Identity Crypto & Digital Assets B2B SaaS Fintech Embedded Finance Capital Markets Tech
FinTech Insights

Reading from our practitioners.

Sector Briefing

What is FinTech?

A clear, practical primer on financial technology — the new technology used to improve and automate the delivery and use of financial services. Where the term came from, what it actually covers, and where the value sits today.

Grant & Graham · FinTech 101
Strategy & Outlook

The Future of FinTech

FinTech is poised to reshape the financial industry dramatically. Innovations in this sector are evolving rapidly — offering both challenges and opportunities. A practitioner's view of what is real, what is hype, and where smart money is heading.

Grant & Graham · Sector Outlook
Frequently Asked Questions

What clients ask before they engage.

What does Grant & Graham do for the FinTech, banking and payments sector?

We provide senior consultancy and interim management for FinTechs, banks, payment institutions and digital finance businesses. Work covers payments and acquiring, fraud prevention, financial advisory and risk, technology integration, and senior leadership — including interim placements at C-suite, product and commercial director level.

What is FinTech?

Financial technology — better known as FinTech — is the technology used to improve and automate the delivery and use of financial services. It spans payments, lending, savings, investments, banking infrastructure, fraud prevention, identity, regulatory technology and crypto. Read our full primer.

Who do you typically work with in FinTech?

Clients range from category-defining scale-ups (Series A through enterprise) to established banks and payment institutions. Sub-sectors include payments and acquiring, issuing and cards, digital banking, neobanks, open banking, RegTech, WealthTech, InsurTech, LendTech, fraud and AML, KYC, crypto and digital assets, embedded finance, and capital markets tech.

How quickly can a senior interim leader be deployed in FinTech?

Interim placements typically deploy within days, not months. Traditional recruitment for a senior FinTech leader can take 3 to 6 months — our model puts a proven operator into the seat and delivering from week one, with practitioner experience in payments, fraud, banking technology or commercial leadership matched to the engagement.

Do your consultants understand financial regulation?

Yes. Our network includes consultants with deep regulatory experience across UK FCA, EU (PSD2, PSD3, EMD2, MiCA), US (federal and state) and other relevant jurisdictions. We do not provide legal advice, but we work alongside legal counsel and provide commercial and operational interpretation that turns regulatory change into delivery plans.

What payments-specific experience does Grant & Graham bring?

Our team has direct operating experience across payments processing, BIN-level routing optimisation, acquiring, switching, real-time payments and cross-border. Recent engagements include Worldline, MyPay and GG Payments — covering acceptance rate optimisation, international market expansion, and end-to-end payments operations.

Where are your FinTech consultants based?

Our network spans the UK, Europe, the United States and the Middle East, with permanent offices in London, Amsterdam, San Diego and the Gulf. Consultants are placed on the ground in the client's market.

How do I start a conversation?

Get in touch via our contact page or email uk@grant-graham.co.uk. We will arrange a 25-minute confidential discovery call — no pitch, no commitment — and tell you honestly whether we can help.

Let's Talk

FinTech moves fast.
So do we.

Whether you are scaling a payments business, navigating a regulatory shift, building a fraud function or entering a new market — tell us in 25 minutes what you need. We will tell you honestly whether we can help.