Payments

Jump Ahead:

Arkwright traces its roots to the Nordics, renowned as the home of the world’s first cashless society. We have helped to shape the development of digital payments strategies and products, such as mobile payments and new acceptance solutions. Today, we are shaping business and operating models along the entire payment value chain worldwide, and all payment channels including cash collection.

With excellent industry experience, our partners offer comprehensive expertise in retail and corporate payments, open banking and digital convergence. They accompany our clients on their ongoing evolutionary journey through the payment and FinTech ecosystem, commercial business, government payments, financial inclusion and digital ID.

‍

In addition to a fresh, cross-industry and global perspective on innovative developments, we have earned a reputation for improving performance based on tailored problem-solving as well as focused tools and frameworks, such as Scheme-Fee Management Optimisation, ATM Business Model Optimisation, Pre-delinquency Management and Digital ID Model Design.

Our clients include large international and medium-sized regional organisations right down to industry, institutional and start-up investors:

Banks and mono line issuers, account interfaces and third-party payment providers (AISPs / PISPs)
Payment schemes and account-to-account payments infrastructure
Merchant acquirers, aggregators, network service and online-payment service providers
Payment processors
Retailers and loyalty-scheme providers Governments and NGOs
Digital identity service providers (DISP)
Private equity and institutional investors
Suppliers to the payments and banking industries

Examples of typical projects:

Growth and market entry, product and corporate strategies
Restructuring of payments businesses such as issuing, acquiring and processing
Conceptual preparation and management of complex migration projects
Efficiency improvement and digitalisation of core processes
Vendor selection for providers of identity services, aggregators, processors, service providers
Due diligence, business valuation and transaction support

‍

Latest Industry Insights

Payments

Mobile Payment Landscape Europe - Will there be an API driven industry consolidation?

The European mobile payment landscape has been evolving over the last fifteen years and mobile payments now prevail in Northern European countries, while the crowded market moves towards consolidation.

Payments

March 1, 2022

Open Banking Industry Dynamics an (updated) European Perspective

Following up on Arkwright’s report “Open Banking Industry Dynamics – A European Perspective” from March 2020, this report further examines the evolution of the European Banking industry from a supply perspective.

Payments

Managing Merchant Credit Risk

Economic activity has been severely impacted by business closures as well as diminished consumer purchasing power due to furlough and job losses. As businesses start to reopen, commerce will return.

Payments

From Platforms To Ecosystems (Developing High Value Business Models)

“Platform” and “ecosystem” are two commonly used business buzzwords describing business models that investors and board members around the world seek to emulate. These types of businesses benefit from higher price-to-earnings on account of their superior performance compared to so-called linear business models.

Payments

June 24, 2022

Digital identities in Europe

The use of Electronic Identification (eID) varies across Europe. This paper explains the reasons for the different usage behavior of eIDs in Europe and develops future scenarios against the background of current market and regulatory developments.

Payments

June 25, 2022

BNPL Industry Dynamics

Buy now pay later (BNPL) has become an important part of consumers' purchase decisions and payment behaviour, and the industry has reached a critical stage of development. As it appears to be approaching maturity, a careful analysis of the industry reveals both opportunities and risks. Furthermore, competition will increase with the direct entrance of big techs such as Apple and Block.

Payments

Platform-Based Ecosystems

Beyond Super-Apps: An analysis of business-to-business (B2B) cases. Following the first Arkwright’s “From Platforms to Ecosystems” report, this latest further analyzes the building blocks and the evolution of a platform-based ecosystem (PBE) business model. This second report expands on the frameworks that can be used to map and design an ecosystem value proposition, rather than analyzing the applicability and value of these models, which was covered in the first report.

Payments

March 21, 2023

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.