5-20
bps
Typical savings opportunity of payment volume
US$25M
Annual savings delivered
+
20+
countries
Experience across four continents
OUR FOCUS
Three drivers of payment performance
01
ECONOMICS
Understanding the true economics of your payments -scheme fees, interchange, pricing and profitability
By identifying hidden costs, revenue leakage and margin opportunities, we turn complex payment data into clear commercial actions that improve financial performance
02
STRATEGY
Making better informed strategic decisions across portfolios, products and customer lifecycles
Portfolio optimisation, pricing strategy, commercial planning, product design and loyalty - we combine deep payments expertise with rigorous analysis to identify where value can be created
03
OPERATIONS
Optimizing the technologies and processes that drive payment performance​
​
We streamline everything from back-office automation to recon- ciliation and operating models. By removing inefficiencies we deliver operations that are accurate, scalable and cost-efficient
SERVICE MODEL & PLATFORM
avantxIQ
Solving complex payments challenges with
data science + intelligent systems + deep expertise
SOLUTIONS
Core solutions to improve payment performance
Intelligent tools and models that reveal cost, margin and performance opportunities
HOW WE WORK
avantxIQ turns complex payment data
into measurable value
Five-stage approach to turning complexity into sustainable advantage
01
CONNECT
We bring together your data and context
02
PREPARE
We clean, standardize, structure the data so it can be trusted
03
DISCOVER
Our analytics uncover savings, patterns and actionable insights
04
ACT
We prioritize the opportunities and support execution
05
OPTIMIZE
Experts and
AI Agents monitor performance and support decisions
ABOUT US
We don't just understand payments. We know where to find the value
Our specialists combine three strengths to identify, quantify and capture commercial opportunities
Deep payments expertise
-
Scheme expertise
-
Payments P&L expertise
-
Ecosystem-wide experience
Purpose-built intelligence
-
Payments-specific models
-
Data Science & AI
-
Decision ready insights
Global market experience
-
Cross-market insights
-
Local market perspective
-
​Multi-region experience
SENIOR SPECIALISTS
Senior payments experience,
earned in the market
We bring deep operating and advisory experience across payment economics, product, issuing, acquiring, commercial strategy and execution
100+ years · combined payments experience across our specialist team
Ashish Kulpati
Growth · Innovation · Operating Execution
SINGAPORE-BASED · ASIA · AUSTRALIA
Visa, American Express
25+ years building and transforming payments businesses across strategy, products, partnerships and commercial execution
10+ granted patents in payments innovation
Paolo Bortolotto
Product · Loyalty · Commercial Optimization
LONDON-BASED · EUROPE · LAC
Mastercard, FIS, Nexi
25+ years helping issuers, acquirers and merchants improve product performance, pricing, economics and commercial outcomes
Data-led pricing and cost optimization
Mark Rennie Davis
Commercial Strategy · Deals · Pricing
DUBAI-BASED · MIDDLE EAST · AFRICA
Mastercard Advisors, IBM, PwC
25+ years advising banks, fintechs, merchants and governments on payments economics, commercial strategy and major transactions
Major deals and national payment schemes
CASE STUDIES
Commercially grounded. Analytically proven. Built for action
Low-risk, high return path to fast recovery.
Focused diagnostics. Quantified opportunities. A clear path to action
SCHEME FEE OPTIMIZATION
US$5M annual savings identified for a leading acquirer
A top-three acquiring market leader was facing scheme fees rising faster than payment volumes, putting sustained pressure on margins.
WHAT WE DID
AvantxIQ combined proprietary fee models, detailed scheme analysis and payments expertise to identify cost leakage and prioritise savings actions.
US$5M / year
savings identified
IMPACT
-
​Expanded to additional international markets
-
​Embedded as an ongoing analytics capability
PORTFOLIO OPTIMIZATION
US$2M annual loss reduction through portfolio repricing
A leading regional acquirer lacked visibility into merchant-level economics, making it difficult to identify loss-making segments and optimise pricing.
WHAT WE DID
AvantxIQ created merchant-level profitability views, portfolio segmentation and pricing models to identify margin leakage and guide targeted repricing.
US$2M / year
loss reduction
IMPACT​
-
Clearer merchant-level commercial decisions
-
Strategic repricing toward portfolio breakeven​
RECONCILIATION & OPERATIONS
US$1.7M annual losses stopped by closing reconciliation and data gaps
A multinational banking business was experiencing recurring losses caused by reconciliation weaknesses, processing errors and fragmented transaction data.
WHAT WE DID
AvantxIQ mapped end-to-end transaction flows, identified control and reporting gaps, and defined a prioritised remediation and technology-change roadmap.
US$1.7M / year
losses stopped
IMPACT
-
Reduced manual effort and operational errors
-
Foundation established for systems overhaul
LET'S TALK
Ready to uncover hidden payment margin?
Whether you have a specific challenge or want to explore where value may be hidden, we’d be happy to talk
Email us at
or use the form and we'll get back to you