our DNA is payment

We support clients operating both nationally and internationally with our unique team of 40 professionals based in Germany. We bring over 30 years of experience in the payment sector, together with specialist expertise in the strategic development and implementation of innovative business models, digital processes and product concepts. We see our clients as partners: working together on an equal footing, we develop tailored solutions.

Our expertise

PAYMENT + BANKING

We prepare our clients for tomorrow’s payment processing and work with them to implement innovative payment and (transaction) banking technologies, products, and business models.

DIGITAL TRANSFORMATION

With an emphasis on developing digital business models, we digitize and transform our customers’ products, operations, and processes.

OPERATIONAL EXCELLENCE

We support our customers in establishing and optimizing structures and commercial processes focussing on Procure to Pay and Order to Cash.

STRATEGY

With knowledge and target-oriented analysis, we assist our clients in their strategic alignment and use these to build concrete fields of action and initiatives with practical implementation planning.

BUSINESS MODEL DESIGN + SOURCING

We assist our customers on the development and optimization of innovative and sustainable business models and, if necessary, identify suitable cooperation and implementation partners.

IMPLEMENTATION + MIGRATION

From a technical, organizational, and procedural standpoint, we assist our customers from start to finish in the design and execution of implementation and migration projects.

As part of the Projective Group, we holistically support our clients in Europe from strategy to the successful implementation of innovative business and product concepts. Our clients benefit from our extensive network of experts and resources. > To the Projective Group

Our consulting areas

Payment + Banking

We prepare our clients for tomorrow’s payment processing and work with them to implement innovative payment and (transaction) banking technologies, products, and business models.

Projects including strategy and implementation in the area of issuing, acquiring and payment-services for banks, industrial customers, service providers, schemes, etc.
Card and (online and offline) payment transactions
Customer and merchant payment requirements analysis and evaluation
Banking supervisory law and regulation classification (PSD2, PSD3)

Digital Transformation

With an emphasis on developing digital business models, we digitize and transform our customers’ products, operations, and processes.

Innovation Radar
Development of Business Models
Digitization strategies
Competitive analysis and optimization strategies
Product/process design
Feasibility studies and implementation support

Operational Excellence

We support our customers in establishing and optimizing structures and processes focussing on Procure to Pay and Order to Cash.

Analysis and optimization of commercial value chains
Benchmarking and best practice approaches
Operating model design
Organizational growth
Process efficiency and automation programs

Strategy

Business modelling
Market analysis
Market entry strategies
Product strategies
M&A advisory
Commercial due dilligence

Business Model design + Sourcing

We assist our customers on the development and optimization of innovative and sustainable business models and, if necessary, identify suitable cooperation and implementation partners.

Conducting market, competition and potential analyses
Product and service design
Value creation architecture incl. make/buy decisions
Procurement and partner selection methods
Analysis of profitability / business case

implementation + Migration

We assist our customers from start to finish in the planning and execution of implementation and migration projects from an economic, technical and process perspective.

Introduction of card products
Implementation of conceptual, functional and technical specifications
Development of migration concepts, preparation and implementation of specifications
Requirements, risk management and status monitoring
Project management

Our industries

Financial Services

Banks
Payment service providers
Schemes
Insurances
FinTechs

Industry

Automotive
Mechanical engineering
Electrical engineering
Consumer goods
Chemicals + pharmaceuticals

Trade and Services

Retail + wholesale
Ecommerce + marketplaces
Loyalty
Transport + mobility
Telecommunications + media

Insights

FiDA back in motion: from ambitious to workable

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#Payment

FiDA back in motion: from ambitious to workable

The EU is realigning the FiDA regulation: more pragmatic, leaner, market-oriented. What Financial Data Access means for financial institutions now.

Our Payment 360° Workshop

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#Payment

Our Payment 360° Workshop

Payment transformation ahead: Rising regulation, AI, and new infrastructure increase complexity and challenge market participants. Discover our Payment 360° Workshop.

Verification of Payee – Now What?

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Verification of Payee – Now What?

VoP is now mandatory across Europe. Our new Verification of Payee workshop helps you and your company to reduce risks, avoid liability shifts and implement VoP efficiently.

The Digital Euro Update

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The Digital Euro Update

The digital euro will fundamentally transform the European payments landscape. For banks and payment service providers, this means: now is the right time to prepare strategically for the upcoming changes.

FiDA at a Crossroads

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FiDA at a Crossroads

With FiDA, the EU is taking a decisive step: from Open Banking to Open Finance. Discover the latest developments and the resulting opportunities and risks.

EUDI Wallet and eIDAS 2.0

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EUDI Wallet and eIDAS 2.0

Discover how eIDAS 2.0 and the EUDI Wallet are transforming the financial sector: from mandatory acceptance in onboarding and payments to new opportunities for banks and financial service providers. Learn more and get prepared for the future!

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Our approach

Strategy development

A keen sense of perspective

One of our major competencies is the development of product, business sector and corporate strategies for our clients. Given the ever-changing parameters of our consulting domains, we plan ahead and collaborate with our clients to create future-proof scenarios. To accomplish outcomes rapidly, we ask crucial questions, make analogies to other industries and marketplaces, and operate propositionally. We understand numerous tools and processes and are constantly expanding our frameworks to deliver tailor-made target visions.

Project Management

Project Management

Project work serves as the foundation for our day-to-day work. Our highly professional and efficient consulting services are founded on methodical excellence and expert knowledge.

Our major focus is our clients’ success. Using agile as well as traditional project management methodologies, we tackle and handle their difficulties in a systematic, efficient, and cooperative manner. We place a great priority on interpersonal relationships: as the project manager, we serve as both a sparring partner and a major point of contact for our clients.

Business Model Design

Focus on user needs when designing a business model

From concept to reality: our goal is to turn product ideas and services into profitable business models in collaboration with our clients and with a strong emphasis on the user’s preferences and needs.

We work systematically to ensure that the development of business cases, identification of interdependencies, and assessment of risks and weaknesses in the business model allow our clients to make clear and well-informed “Make“ or “Buy“ decisions.

Prototyping

Prototyping concrete concepts

We believe that the success of a product or service is ultimately determined by the user, not by a brilliant idea or a solid business case. As a result, the ideas and solutions we co-create with our clients must demonstrate their viability at an early stage.

We create prototypes and MVPs which we then evolve – or discard –based on user feedback. We gradually learn more about the product and its use, and we may focus our efforts on the needs of the users.

Implementation

Implementation entails turning ideas into reality

We design tailored solutions for our partners and clients. However, our assistance does not stop with strategy development and conception. Rather, we accompany our clients’ work during the implementation phase.

We are at ease in both the engine room and with the management. We take each step toward the objective in collaboration with our clients. In all project scenarios and phases, we endeavor to meet our clients on eye level.

Frequently Asked Questions about our Consulting Services (FAQ)

What does Projective Strategy do?

As the strategy brand of Projective Group, Projective Strategy stands for “Clear thinking for a changing sector.” We develop strategic concepts for and with the European financial services industry, with a focus on payments and digitalization, and we think beyond these topics. We help our clients decide where to be active, how to win, and what needs to be addressed now. We develop innovative strategic concepts and ensure successful implementation from the outset, supported by experts with many years of industry experience.
Our core topics include payment strategy, digital transformation and business models, market analysis, business modeling, market entry strategies, product strategies, impact analysis and approaches to regulatory topics, M&A advisory, and commercial due diligence. When it comes to moving from strategic decision to execution, both the implementation expertise of Projective Strategy and the change management capabilities of Projective Group are available to support you.

Who is Projective Strategy the right partner for?

We advise banks, payment service providers, and clients from industry and retail alike. Our clients are our partners: we work with them as equals and develop tailored solutions together.

How is Projective Strategy connected to Thede Consulting?

Thede Consulting, a consultancy specializing in payments and digitalization with more than 30 years of experience, is part of Projective Group and will be renamed Projective Strategy at the end of 2026. The goal of the merger is to cover the entire value chain from strategy to implementation and to offer end-to-end solutions across Europe.

How does Projective Strategy support strategic direction?

We combine subject-matter expertise and targeted analysis with concrete action areas and practical implementation planning. In doing so, we develop innovative strategic concepts and ensure successful implementation from the start. Our core topics include payment strategy, digital transformation and business models, market analysis, business modeling, market entry strategies, product strategies, impact analysis and approaches to regulatory topics, M&A advisory, and commercial due diligence.

We help decision-makers position themselves in a fast-changing payments market, for example with innovative payment solutions and new products in payments and transaction banking. This includes the further development of business models, the digitalization of products, functions, and processes, and cross-industry platform solutions. Where it makes sense, we identify suitable cooperation and implementation partners.

Does Projective Strategy also support the implementation of the strategy?

Yes. We support the planning and execution of implementation and migration projects from a business, technical, and process perspective. The Projective Group consulting team is available for hands-on implementation.