Payments

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Die Wurzeln von Arkwright liegen in den Nordics, der weltweit ersten „Cashless Society“. Wir haben die Entwicklung digitaler Payment-Strategien und Produkte wie mobile Payments und innovativer Akzeptanzlösungen geprägt. Heute gestalten wir weltweit Geschäfts- und Betriebsmodelle entlang der gesamtem Payment-Wertschöpfungskette – über alle Payment-Kanäle und inkl. Bargeld-Handling.

Mit der breiten Erfahrung unserer Partner und dem tiefen Verständnis von zweiseitigen Märkten bieten wir eine umfassende Expertise in Retail Payments, Corporate Payments und Open Banking. Unsere Klienten begleiten wir damit bei der laufenden Evolution der Payment und FinTech Ökosysteme inkl. Digital Identification.

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Neben einem frischen und übergreifenden Blick auf weltweite Innovationen stehen wir für Profitabilitäts- und Effizienzsteigerungen sowie bewährte Tools und Frameworks für spezifische Themen wie z.B. Scheme Fee Management, Optimierung von GAA-Gschäftsmodellen, Collection und Design von Lösungen für KYC und digital Identification“.

Zu unseren Klienten gehören global agierende und regionale Spezialisten sowie institutionelle Investoren und Start-ups

Banken, Monoline Issuer und Third Party Payment Provider (AISPs / PISPs)
Payment-Schemes und Account-to-Account Zahlungsanbiete
Merchant-Acquirer, aggregatoren, Netzbetreiber und Online Payment Service Provider (PSP)
Payment Prozessoren
Händler und Loyalty-Schemes
Regierungen und NGOs
Digital Identity Service Provider (DISP)
Finanzinvestoren / Private Equity

Typische Projektbeispiele

Geschäfts-, Wachstums- und Markteintrittsstrategien inkl. Produktentwicklung
Restukturierungen im Issuing, Acquiring und Processing
Konzeptionelle Vorbereitung und Steuerung komplexer Migrationsprojekt
Globale Digitalisierung und Effizienzsteigerung von Kernprozessen
Bewertung und Auswahl von Identity Service Providern bzw. Aggregatoren
Due Diligence, Unternehmensbewertung und Transaktionsunterstützung

Next-Generation Card Processing

Next-generation card processors are growing at rates four times higher than the overall market. In collaboration with BPC, this whitepaper defines "next-generation card processing" and analyzes its success factors. The findings reveal that success is driven by a combination of elements, including API integration, regulatory enablement, and functional innovations, rather than any single feature. By examining 46 providers and over 150 card portfolio wins, the whitepaper highlights how these solutions excel by targeting specific customer segments and value chain opportunities. Several BPC case studies illustrate these insights.

AI in Retail Banking and Payments - Opportunities and Practical Use Cases

Artificial Intelligence (AI) provides enormous potential to the banking and payments industry, as evidenced by numerous studies. Notably, NVIDIA’s research indicates that more than 80% of financial services professionals report that AI contributes to cost reductions and revenue increases. A study by the European Investment Bank anticipates that the adoption of AI could lead to a 30% increase in revenue and a 25% decrease in costs. The financial services value chain presents a wide array of potential AI applications that can enhance both the back and front office operations, aiming to achieve growth and efficiency goals. Key areas of impact include customer engagement (such as improved customer service), forecasting and predictions (for example, predicting loan defaults), and advanced data and risk management. However, many companies are still in the early stages of AI adoption, facing challenges in navigating its possibilities and translating them into actionable strategies. A systematic approach is essential for evaluating, prioritizing, planning, and executing AI initiatives. Establishing an “AI playground” for iterative testing of selected use cases represents a crucial initial step towards leveraging AI. This should encompass both technical infrastructure and a robust compliance framework. This paper presents a robust framework and hands-on use cases to capture the value of AI, developed from extensive technical and managerial experience and offering a practical starting point for exploring AI’s potential.

Digital Onboarding - A Benchmarking Assessment of Untapped Value Potential for European Retail Banks

Sales conversion and cart abandonment are a challenge across all channels and industries, including financial services. Abandonment at different stages in the banking sales funnel, for example, is estimated to range between 67% and 80%, which highlights the potential value destroyed by clients leaving the onboarding journey. Getting the onboarding journey right is critical, as onboarding is often the first touchpoint that shapes a customer’s initial impressions of a bank. As such, it might influence their long-term satisfaction and loyalty, as well as impact future cross-selling opportunities. Based on this understanding, Arkwright and Arkwright Digital completed a study of nearly 200 onboarding journeys of retail current account openings and credit card applications at European banks, evaluating current performance as well as identifying trends and potential optimization, highlighting best practices and room for improvement in the field.

European Mobile Payments Report 2024

This whitepaper provides an overview of Europe’s domestic mobile payments landscape, analysing current trends, key success factors of best practices, and forecasting the competitive dynamics up to 2030. It aims to equip stakeholders with the knowledge to navigate the evolving mobile payments landscape on a national and regional level, and monitor the critical strategic drivers in the market.

Acquiring Report

Ahead of MPE 2024, the premier European merchant acquiring and payments acceptance conference, we have had the privilege to partner, once again, with Merchant Payments Ecosystem (MPE) on a joint research project. Overall, the success of the payments industry is closely intertwined with the success of the retail community it serves. During Q4 2023, MPE invited 1,711 merchants within its community to participate in the survey, with research completed through online questionnaires and a sample of deep-dive interviews. Not only does the survey provide a snapshot of the European retailing industry, but it also points to potential focus areas for the improvement of merchant acquiring and acceptance value propositions alike.

Merchant Acquiring Industry Dynamics

The merchant acquiring industry is subject to significant and ongoing evolution and, due to various factors, is facing a comprehensive reconfiguration. The emergence of online channels, new business models, such as marketplaces, and the overall ongoing shifts in the acquiring value chain have led to the development of a variety of business models focusing on defined sections of the acquiring transaction lifecycle.