We are a Financial Services Management Consultancy specialising in shaping, planning and executing strategic programmes for our partners.

The European Union's proposed Payment Services Directive 3 (PSD3) and Payment Services Regulation (PSR) represent a significant evolution in the payments landscape for Financial Services. These changes aim to enhance security, foster innovation, and level the playing field between traditional banks and non-bank payment service providers (PSPs), ultimately delivering greater protection, choice and convenience for the customer.

The evolving regulatory landscape under PSD3 and PSR presents both significant challenges and unique opportunities for Bank PSPs, requiring a proactive, innovation-led response to remain competitive and retain or grow customer relationship primacy.

ERP consolidation plays a fundamental role in creating value throughout the investment lifecycle, allowing firms to reduce costs and enhance commercial offerings with future-proofed and scalable capability. However, post-merger, companies often inherit multiple systems performing similar functions, creating friction to maximising value through the buy-and-build approach.