Business advisory
We help build business models, design payment and lending products, find partners and broker transactions on the payment institution market.
how can we help you?
Business advisory
We help design or rebuild the business model — from revenue structure, through the value chain, to selecting the right licence and regulatory form.
Learn moreFinTech / PayTech / LendTech products
We design payment services, lending products and hybrid solutions. We combine product expertise with regulatory requirements so the product works from day one.
Learn moreOrganisation growth and potential
We'll see what you can get out of the licence you hold. We'll show the growth path — from expanding the service scope to moving from MIP to KIP.
Learn moreBusiness and strategic partners
We help find the right partners — banks, payment processors and technology providers. We support negotiations and the building of long-term relationships.
Learn moreBrokerage for MIP / KIP transactions
We broker the purchase and sale of payment institutions. From valuation and deal preparation, through finding the other side, to closing and filing with KNF.
Learn moreExpert board and owner oversight
Tomasz Klecor acts as an expert board member and supports owner oversight. It's not a one-off consultation — it's a permanent presence in the company's decision-making structure.
Learn moreBusiness advisory
Direct expert support
Tomasz Klecor leads FinTech business advisory personally. Lawyer, co-founder of Legal Geek, strategic advisor and expert board member at payment institutions. He combines regulatory expertise with operational experience in building and scaling FinTech companies.
Expert board model
This isn't a one-off consultation. Tomasz acts as a permanent expert board member and supports owner-level oversight — he's a decision-making partner, not just an advisor on call.
Tomasz Klecor
Managing Partner
FinTech navigator. Lawyer.
fintech brands we have worked with
designing business models
We help design a business model that bridges market ambition with regulatory reality. We work at the intersection of strategy, law and operations — so you know not just what you want to do, but how to do it legally and profitably.
Revenue model analysis
We check where revenue is meant to come from: commissions, subscriptions, interchange, transaction fees. We verify whether the model is realistic and compliant with the law.
Value chain design
We map the full value chain: from customer acquisition, through service delivery, to settlements. We show where you stand on your own and where you need a partner.
Licence and regulatory form selection
MIP, KIP, agent or payment services office? We help pick the form that best fits your model — across cost, requirements and scalability.
Cost structure optimisation
We analyse regulatory, operational and technology costs. We show where you can save without compromising quality and compliance.
Regulatory scenario modelling
We stress-test the business model against upcoming regulatory changes. We check how PSD3, FIDA or new EBA guidelines will affect your business.
Model validation from a supervisory perspective
We check what your model looks like through KNF's eyes. We identify potential concerns and help adjust the business before you face the regulator.
FinTech, PayTech and LendTech product design
We help you design a product that meets regulatory requirements from day one. The point is not to retrofit compliance after the fact — we work with you from the concept stage, through architecture, all the way to market entry.
Payment services design
We help design payment services: from payment initiation, through account servicing, to acquiring. All in line with PSD2 and the upcoming PSD3.
BNPL and credit products
We design lending and BNPL products with consumer credit requirements, information duties and non-interest cost caps in mind.
Hybrid products
Combining payments with credit, investments or insurance? We help design a hybrid product that does not cross regulatory boundaries.
Integration with banking infrastructure
We advise on integration with banks: trust accounts, access to settlement systems, banking partnerships and the BaaS model.
Product UX vs. regulatory requirements
We help reconcile user convenience with information duties, SCA requirements and KYC procedures. A good product does not have to mean bad compliance.
Go-to-market from a compliance perspective
We plan product launches with regulatory requirements in mind: notifications, registrations, marketing communications and customer-facing duties.
unlocking the organisation's potential
Many payment institutions don't tap the full potential of the licence they hold. We help identify growth opportunities and plan the next steps — from expanding services to changing regulatory status.
Licence potential audit
We check which services you're allowed to provide under your current licence and which you're not yet offering. There's usually more headroom than you think.
The MIP → KIP path
Outgrown the MIP thresholds? We help plan and execute the move to a National Payment Institution licence — from a requirements analysis to filing the application.
Expanding the service scope
Looking to add a new payment service or enter a new market? We help prepare the regulatory, operational and technology changes.
Operational process optimisation
We identify bottlenecks in operational processes and help streamline them — from customer onboarding to complaint handling and reporting.
Team building
We advise on building compliance, risk and IT teams. We help define competencies, structure and the operating model — in-house or with outsourcing.
Long-term strategy planning
We help craft a 2-5 year growth plan: business goals, regulatory milestones, capital needs and market scenarios.
business and strategic partners
FinTech doesn't operate in a vacuum — you need a bank, a processor and a technology provider. We help find the right partners, negotiate terms and build a relationship that lasts beyond the first contract.
Partner identification
We help find the right partners: banks, PSPs, payment processors, KYC/AML providers and technology firms. We know the market and we know who works with whom.
Partner due diligence
Before signing, we vet the partner: regulatory status, financial stability, market reputation and ability to deliver on commitments.
Negotiations and partnership agreements
We negotiate cooperation terms and draft agreements: from NDAs and SLAs, through agency contracts, to comprehensive strategic cooperation agreements.
Agency model and outsourcing
We help design an agency or outsourcing model that meets KNF requirements. We prepare the contracts, oversight procedures and reporting model.
Technical integration with the partner
We advise on technical integration: APIs, data exchange, security, SLAs and contingency procedures. We don't write code, but we know what should be in the contract.
Partnership relationship management
We help build long-term partner relationships: contract reviews, renegotiations, partner risk management and dispute resolution.
brokerage for MIP / KIP transactions
We broker the purchase and sale of small and national payment institutions. We know the market, we know the players and we know how to bring a deal across the line — from the first contact to filing the change with KNF.
Institution valuation
We help establish the value of a payment institution: licence, customer base, volumes, infrastructure, team and growth potential. A real valuation, not wishful thinking.
Sale preparation
We help prepare the institution for sale: we tidy up the documentation, procedures, ownership structure and the relationship with KNF — so the deal runs smoothly.
Sourcing buyers and sellers
We have access to a network of contacts on the payment institutions market. We help find the other side of the deal — discreetly and professionally.
Transaction due diligence
We carry out a comprehensive review of the institution: regulatory, compliance, AML, data protection, IT and cybersecurity. A report with a risk assessment.
Negotiations and documentation
We run the negotiations and draft transaction documentation: SPA, representations and warranties, conditions precedent and protective mechanisms.
Notification of changes to KNF
We prepare and file notifications of changes in the ownership structure of a payment institution with KNF. We keep an eye on deadlines and formal requirements.
expert board and owner oversight
This isn't a one-off consultation. Tomasz Klecor acts as a permanent expert board member and supports owner-level oversight at payment institutions — he's a decision-making partner, not just an advisor on call.
Expert board membership
Tomasz Klecor sits on the expert boards of payment institutions. He brings a regulatory, legal and business perspective to strategic discussions and decisions.
Owner oversight support
We help owners and investors exercise oversight over a payment institution: risk monitoring, management evaluation and verification of strategic decisions.
Strategic advisory for the management board
We support management boards in key decisions: new products, market entry, structural changes and responses to supervisory action.
Risk assessment of business decisions
Before you decide, we check the regulatory consequences. We flag risks the management board may not see from an operational perspective.
Supervisory board meeting preparation
We help prepare materials for supervisory board meetings: compliance reports, risk analysis, strategy execution review and recommendations.
Reporting and recommendations
We report regularly on the organisation's regulatory standing, new risks and recommended actions. Everything in a form the management and supervisory boards can use directly.
market and competitor analysis
To make good decisions, you need to know what's happening in the market. We map competitors, analyse trends and help you find a space where your product has a real chance.
Competitor mapping
We identify and analyse your competitors: their products, business models, strengths, weaknesses and market positioning. You know who you're up against.
Market trend analysis
We track FinTech market trends: new business models, shifts in consumer behaviour, regulatory developments across Europe and the sector's direction of travel.
Niche identification
We help find market niches where demand exists but a strong offering does not. You don't always have to fight over the same segment — sometimes the best business is where no one is looking.
Service and pricing benchmarking
We compare your services and pricing against competitors. We show where you're competitive and where you're losing customers on price or scope.
Regulatory monitoring
We track regulatory changes that may affect your market: new rules, supervisory guidelines, rulings and draft legislation in the EU and Poland.
Strategic recommendations
Based on the market analysis we prepare recommendations: what to grow, what to drop, where to invest and how to respond to competitors' moves.
let's talk about your business
Write or call — in our first conversation we'll figure out where your project stands and how we can help.