Finance & Banking -
From Uses to Innovation
Reinventing Finance
At high speed
Increased regulatory pressure
Rise of fintechs
Cybersecurity risks
ESG issues
What 321 delivers
Business evaluation
Launch of a digital trade credit activity
Launch of a spin-off
Creation of a subsidiary dedicated to financial services for freelancers, from ideation to operational.
Accelerating your growth thanks to an operating partner
Structuring and implementing a growth plan for a B2B asset management platform.
Identifying startups to support your growth
Sourcing of European fintechs specialized in real-time payment to enrich your transaction offer.
Banking & Finance —
Becoming a Leader Again
Start an adjacent business
Marketplaces in Europe
Context
A major European bank has identified a lack in payment management solutions dedicated to marketplaces. The aim was to simplify onboarding, payments, and compliance for these fast-growing platforms. The bank wanted to capitalize on its market access and expertise to launch a specialized offer, with the ambition of becoming a European leader in this field.
Approach
An in-depth field analysis made it possible to identify market needs through more than 100 interviews and the study of more than 300 payment solutions around the world. A venture building model was adopted: rapid establishment of a multidisciplinary team (tech, finance, ops), design of a modular and scalable platform based on APIs, perfectly adapted to the specificities of European marketplaces.
Impact
In six months, the new entity obtained the status of payment services agent, launched its platform ahead of schedule, and started onboarding several marketplaces
invested in fintechs between 2022 and 2023
Source: KPMG Pulse of Fintech H2 2023
traditional banks believe that they risk losing market share to neobanks
Source: Accenture Global Banking Report 2023
global banking revenue could come from non-traditional players by 2030
Source: McKinsey Future of Banking 2022