How we help

Outcomes, not services

Three ways ClariNova works with financial institutions and fintechs — each built around a specific outcome, not a generic engagement.

Payments Accelerator

01

Helping banks, fintechs and payment providers build and commercialise modern payment businesses.

  • Product & commercial strategy
  • Banking & ecosystem partnerships
  • BIN sponsorship & processing strategy
  • Vendor selection
  • Go-to-market support
  • Commercial introductions

Digital Assets & Tokenization

02

Helping financial institutions navigate the transition towards digital assets and tokenized financial infrastructure.

  • Stablecoin strategy
  • Tokenization opportunities
  • Institutional use cases
  • Regulatory landscape
  • Business case development
  • Partner ecosystem

Market Expansion

03

Helping financial institutions launch, establish and scale across new markets, with particular strength across the GCC.

  • Market entry strategy
  • Regulatory roadmap
  • Company formation
  • Banking relationships
  • Strategic partnerships
  • Local ecosystem development
Track record

Selected impact

Leading regional bank
$14B liabilities & debit card book — delivered +$1B growth in 2019 with a 94% CASA mix.
International bank, GCC
Launched the region's first online savings account — AED 4B deposits, 30,000+ accounts.
Blockchain payments fintech
Piloted digital-asset payment acceptance at a major duty-free retailer; signed a Hajj & Umrah wallet MOU with a leading KSA acquirer.
MENA's largest payments processor
Led a Generative AI proof-of-concept to enhance SME merchant onboarding and activation.
Fintech Enablement
Advised early-stage fintechs on regulatory licensing pathways and securing bank partnerships to enter the market.
Leading KSA retail bank
Delivered 25% YoY growth in consumer finance and launched a new Islamic mortgage suite; digital acquisition approach featured in a Google case study.
UAE digital wallet initiative
Supported the Central Bank licensing application and KYC/compliance framework design for a new digital wallet and prepaid services launch.
Capabilities

Core expertise

Payments

  • Cards
  • Merchant acquiring
  • Embedded finance
  • Digital wallets
  • Cross-border payments

Digital Assets

  • Stablecoins
  • Tokenization
  • CBDCs
  • Digital asset strategy
  • Institutional adoption

Market Expansion

  • Licensing
  • Market entry
  • Partnerships
  • Go-to-market
  • Commercial strategy

Leadership

  • Fractional CXO
  • Board advisory
  • Programme leadership
  • Ecosystem development
How we engage

Engagement models

Clients engage ClariNova through flexible models designed around their business needs.

Strategic Advisory

Executive advice on growth, innovation and market strategy.

Fractional Leadership

Interim Product, Strategy and Commercial leadership.

Project Delivery

Focused initiatives from concept through implementation.

Executive Workshops

Board briefings, leadership sessions and strategy workshops.

Where we start

Representative client challenges

Clients rarely ask "what consulting services do you offer?" They ask us to solve specific problems.

"We want to launch a payment business in the GCC."
"We need a BIN sponsor and the right processing partner."
"We are evaluating stablecoins and tokenization."
"We want to modernise our payments infrastructure."
"We need to enter the UAE or Saudi market."
"We need an experienced product or strategy leader without hiring a full-time executive."
Where we operate

Geographic focus

INDIA
↔
GCC
↔
ASEAN

Supporting financial institutions, fintechs and investors across one of the world's fastest-growing financial corridors.

Africa — expanding coverage

Let's build what's next

Whether you're launching a payment business, evaluating digital assets or expanding into new markets, ClariNova helps turn strategy into commercial success.

Get in touch