Payments · Digital Assets · Market Expansion

Building the future of finance

Helping financial institutions and fintechs commercialize the next generation of financial services.

ClariNova Partners — Payments. Digital Assets. Market Expansion.
The opportunity

The future of finance is being rebuilt

The financial services industry is undergoing its most significant transformation in decades. Advances in real-time payments, artificial intelligence, digital assets and tokenization are redefining how money moves, assets are managed and financial services are delivered. At the same time, regulatory frameworks are evolving rapidly, creating new opportunities for institutions prepared to act.

Financial institutions need advisors who understand technology, regulation and commercialization — turning innovation into scalable businesses.

Built by Operators

ClariNova combines hands-on leadership across banking, payments and fintech with deep experience commercialising new products, entering new markets and building strategic partnerships.

How we help

Outcomes, not services

Payments Accelerator

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

Digital Assets & Tokenization

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

Market Expansion

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

See what's included in each →

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.
Fintech Enablement
Advised early-stage fintechs on regulatory licensing pathways and securing bank partnerships to enter the market.

See the full track record →

Leadership

Operator. Builder. Advisor.

Bobby Kakar, Managing Partner, ClariNova Partners
Bobby Kakar
Managing Partner

Former leadership roles across HSBC, ADIB, Meem Digital Bank, Network International and WadzPay spanning product strategy, commercial leadership, digital transformation and emerging financial technologies.

ClariNova combines strategic advisory with decades of hands-on operating experience across banking, payments, fintech and digital assets — built around helping clients move from strategy to commercialization.

Supported by a network of senior operators and subject matter experts across payments, digital assets, regulation and market expansion.

CAREER  ·  HSBC   ABN AMRO   SAIB   ADIB   NETWORK INTERNATIONAL   WADZPAY

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.