Fintech
& Banking
Turning complex financial services into products people choose and keep using
Onboarding drop-off, confusing payments, low wallet engagement and fragmented merchant operations can hold a promising fintech product back.
We help banks, fintech companies and payment providers address these challenges through product strategy, customer experience design and practical innovation. From the first account opening to everyday transactions, we connect customer needs with commercial goals and delivery requirements.
01 / Onboarding & Trust
Customer Onboarding & Activation
Help more customers move from sign-up to first value
Long registration flows, unclear verification requests and disconnected steps can lose customers before they experience the value of a financial product. Completing an application is only the beginning; people also need a clear reason and a simple path to make their first meaningful transaction.
We redesign onboarding around customer intent, product requirements and the steps that build confidence. Our work connects identity verification, account setup, funding and first use into a coherent journey, with clear guidance when a customer needs to pause, correct information or return later.
- Onboarding and KYC journey reviews
- Progressive guidance, document requests and verification status
- First deposit, first payment and wallet activation flows
- Trust signals, fee transparency and clear consent
- Drop-off analysis, usability testing and activation measurement
The aim is to reduce avoidable friction while making essential checks understandable, with priorities agreed alongside your product, compliance and engineering teams.
02 / Payments & Operations
Payment Experiences & Merchant Operations
Make every payment easier to complete, understand and manage
Customers abandon confusing checkouts. Merchants struggle when payment status, settlement and reporting tell different stories. Failed or pending transactions, unclear fees and manual reconciliation can turn everyday payments into repeated support work.
We help payment service providers and fintech platforms improve the complete payment journey, connecting customer checkout with merchant onboarding, dashboards and operational workflows. We map the gaps between systems and define how successful payments, exceptions and recovery should work.
- Checkout journeys, payment links and method selection
- Failed-payment guidance, retries and recovery requirements
- Merchant onboarding and KYB journeys
- Settlement visibility, refunds and reconciliation workflows
- Dashboards, exception handling and integration requirements
The objective is a payment experience that gives customers confidence and helps merchants and operations teams understand what happened and what to do next.
03 / Engagement & Retention
Digital Wallet Engagement & Retention
Give customers a useful reason to return
A downloaded app or an opened account does not automatically become part of someone’s financial life. Wallets and banking products can struggle with low repeat usage when their value is unclear, everyday tasks feel difficult or communications arrive without a relevant reason.
We help shape a stronger everyday experience around real customer needs. From balances and transfers to payment reminders and transaction insights, we connect useful features, relevant communication and clear navigation with the moments that bring customers back.
- Customer segmentation and lifecycle journey design
- Everyday banking, transfers and transaction-history UX
- Relevant notifications, reminders and contextual guidance
- Value-led loyalty, personalisation and engagement concepts
- Repeat-use measurement, customer feedback and product optimisation
The focus is sustainable engagement built on usefulness and trust, with success measured through meaningful activity and customer value.
04 / Stablecoins & Crypto
Stablecoin & Crypto Payment Adoption
Turn technical capability into a usable payment proposition
Adding support for a digital asset does not by itself create a payment experience customers or merchants will adopt. Network choices, wallet access, conversion, fees and settlement can introduce uncertainty at the exact moment people need confidence.
We help translate stablecoin and crypto payment opportunities into clear customer and merchant journeys. Starting with the use case, we define where digital assets add value and how acceptance, authorisation, confirmation and ongoing operations should fit together.
- Merchant acceptance and wallet-to-checkout journeys
- Cross-border payment use cases and proposition validation
- Asset, network and fee presentation
- Wallet access, custody and recovery experience considerations
- Conversion, settlement, refund and reconciliation requirements
Our role is to make the proposition practical and understandable, with dependencies and operating requirements defined alongside your legal, compliance and technology teams.
05 / Strategy & Innovation
Product Differentiation & Innovation
Build a stronger proposition around an unmet customer need
A growing feature list can leave a fintech product looking like every competitor while stretching the team across too many priorities. New technology adds little commercial value when the customer problem, business model or reason to choose the product remains unclear.
We help identify opportunities, validate demand and turn promising ideas into a focused product direction. This can include embedded finance at relevant customer moments, distinctive payment services or AI-assisted support and operations where the workflow and business case justify it.
- Customer research, market analysis and opportunity discovery
- Value proposition, differentiation and business-model design
- Embedded finance concepts and partner dependencies
- AI use-case evaluation, human review and exception handling
- MVP scope, prototype validation and prioritised product roadmaps
The outcome is a clearer set of product decisions: who the product serves, why it matters, what to build first and how to evaluate progress.
From Opportunity to Product
We connect the challenges in your customer journey with practical product decisions, validated designs and a focused delivery plan.
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Discover
Find where customers get stuck, where operations become difficult and where an unmet need creates an opportunity.
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Prioritise
Agree which problems matter most, define the desired outcomes and focus the product scope around them.
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Design & Validate
Prototype improved journeys and new propositions, then test understanding and usefulness with the intended users.
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Deliver & Improve
Translate decisions into requirements, support delivery and measure activation, payment completion and repeat use.
Fintech Consulting Questions
A few practical answers before we start a conversation about your product.
01. Which fintech challenges can Strike Innovation help with?
We help address onboarding friction, confusing payment journeys, low wallet engagement, difficult merchant workflows and unclear product differentiation. Depending on the challenge, the work can combine customer research, product strategy, UI/UX design, prototyping and delivery planning.
02. Can you improve an existing banking app or digital wallet?
Yes. We review the journeys that matter to your customers and business, identify where people struggle, and prioritise improvements. This can include verification, funding, everyday payments, transfers, transaction history and ongoing engagement.
03. How do you approach payment and merchant-operation problems?
We map the customer payment journey alongside the merchant and operational workflows. That helps identify gaps in checkout, payment status, settlement visibility, refunds, reconciliation and exception handling, then translate the findings into product and integration requirements.
04. Can you help assess stablecoin payments or embedded finance?
Yes. We start with the business use case and customer need, then explore payment flows, partner dependencies, custody, fees, conversion and settlement requirements. Your legal, compliance and technology teams inform the requirements for the intended markets.
05. What will our team receive from an engagement?
The scope is agreed around the decisions you need to make. Deliverables can include an opportunity assessment, product audit, journey maps, interactive prototypes, MVP scope, a product roadmap and requirements for engineering handover.
Build a Financial Product People Choose and Keep Using
If customers struggle to get started, payments create unnecessary support work or your next fintech idea needs a stronger direction, let’s discuss where Strike Innovation can make a difference.
