Product decisions. Architecture decisions. One delivery reality.
- Product Strategy
- UX
- Architecture
- Modernisation
- AI
Product and technology consulting for financial services
Make the right product and technology decisions before they become expensive to change.
We help banks, fintechs and insurers shape digital products, customer journeys and technology foundations around real business goals, regulatory constraints and existing systems.
50+ financial services projects behind our recommendations
Financial services projects delivered across regulated financial environments50+
Designed platforms turning product decisions into digital experiences50+
Financial institutions connected through one complex fintech platform25+
Years building and advising on complex technology environments25+
Key challenges
Where product and technology decisions become expensive.
The hardest decisions usually happen before implementation starts - when customer needs, architecture, legacy constraints, compliance and delivery capacity all point in different directions.
Product ambition and technology reality drift apart
Teams define journeys and features before understanding what existing systems, integrations and security constraints will actually allow.
Modernisation priorities are unclear
Large technology estates rarely need everything rebuilt. The difficult part is deciding what to retain, replace, decouple or modernise first.
Build, buy or integrate is rarely an obvious choice
Platform vendors, SaaS products, custom development and internal systems all create different trade-offs around control, cost, speed and long-term flexibility.
Customer experience has to survive regulation and delivery
A great prototype means little if authentication, accessibility, data requirements or backend dependencies force it to be redesigned during implementation.
Architecture decisions outlive individual projects
Technology choices made for one release can shape cost, scalability and delivery speed for years.
AI introduces another layer of product and technology risk
Teams want AI productivity and AI-enabled products, but model choice, data access, governance and integration with existing environments quickly become architecture decisions.
Consulting capabilities
Two perspectives. One roadmap.
Product & Experience
Successful digital products need both a strong customer proposition and a technical foundation capable of delivering it. We bring product, design and technology specialists into the same decision process.
Successful digital products need both a strong customer proposition and a technical foundation capable of delivering it. We bring product, design and technology specialists into the same decision process.
Product strategy & discovery
Define what should be built before committing to delivery. Business goals, customer needs, product scope, competitive context and delivery constraints translated into a practical product direction.
Customer journeys & UX
Turn complex financial processes into usable digital experiences. Customer journeys across web and mobile designed around usability, accessibility, regulation and the systems behind them.
Research, prototyping & validation
Test assumptions before they become expensive code. Workshops, prototypes, usability testing and customer validation to reduce uncertainty before implementation.
Design systems & accessibility
Create experience foundations that scale across products and channels. Reusable patterns, components and design systems aligned with engineering, accessibility and cross-platform delivery.
Product meets technology
A roadmap only works when product ambition and technical reality meet.
Product & Experience
Customer needs · Journeys · UX · Validation · Accessibility
01
Technology & Architecture
Systems · Architecture · Integrations · Security · Modernisation
02
Business reality
Priorities · Budget · Time-to-market · Risk · Operating model
03
Let's talk product & technology
Facing a product or technology decision that is expensive to get wrong?
Whether you're shaping a new product, modernising an existing estate or reconsidering an architecture decision, we can help turn uncertainty into a practical path forward.
Our process
From uncertainty to a roadmap your team can execute.
Consulting should end with decisions, priorities and next steps - not another document that has to be interpreted by the delivery team.
Case studies
Decisions that made it into production.
See how product, experience and architecture decisions translated into working financial products and scalable technology platforms.
Bancovo Fintech · Lending
Connecting 25+ financial institutions in one lending platform
A scalable fintech ecosystem built on 100+ microservices and complex financial integrations.
Read more about Connecting 25+ financial institutions in one lending platform
POP Pankki Banking · Mobile
Building a mobile bank from scratch
A new digital banking experience supporting customer growth and a broader transformation of the bank.
Read more about Building a mobile bank from scratch
From advice to delivery
Strategy only matters if it survives implementation.
Many product and technology decisions look convincing in isolation. Their real quality becomes visible when engineering, security, procurement and operations have to make them work together.
Recommendations need delivery context
Architecture and product choices should reflect the people, systems and processes that will actually implement them.
Product and architecture evolve together
Customer journeys create technical requirements, while technical constraints reshape what the product can realistically offer.
Documentation should reduce future decisions
Clear product rationale, architecture decisions and ADRs prevent teams from reopening the same questions every few months.
Ownership should not disappear after the workshop
When required, the same organisation that helped define the direction can remain accountable as the roadmap moves into implementation.
AI strategy & readiness
Introduce AI where it creates value - with control designed in from the start.
We help organisations identify where AI can create real value across products and software delivery, define the required architecture and governance, and move from experimentation to controlled adoption.
We help organisations identify where AI can create real value across products and software delivery, define the required architecture and governance, and move from experimentation to controlled adoption.
Product AI
Use cases · Data · Integration · Human oversight
Engineering AI
SDLC · Developer workflows · Context · Tool access
Governance
Policies · Permissions · Auditability · Accountability
Featured insight
Research and practical thinking for product and technology leaders.
Product & technology insights
Ideas for making better product, architecture and modernisation decisions.
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How to Communicate with an API: An Introduction to GraphQL
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Product Design Process: 5 steps, 4 failures, and 3 benefits
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FAQ
Frequently asked questions about product & technology consulting
What does Product & Technology Consulting include?
We combine product strategy, UX and customer experience with architecture, modernisation, technology strategy and AI readiness. Engagements can cover one specific decision or a broader product and technology roadmap.
How is this different from Product Design & UX?
Product Design & UX goes deeper into customer journeys, research, prototyping, interfaces, accessibility and design systems. Product & Technology Consulting connects those decisions with architecture, systems, technology strategy and delivery feasibility.
How is this different from Technical Consultancy?
Technical Consultancy focuses more deeply on architecture, modernisation, integration strategy, technology selection and target-state design. The umbrella consulting service is broader and brings product and technical perspectives together.
Can you help us decide whether to modernise or replace an existing system?
Yes. We assess the current technology, technical debt, business roadmap, integration dependencies and delivery constraints before recommending what should be retained, modernised, decoupled or replaced.
Can you support build-vs-buy decisions?
Yes. We can evaluate custom development, commercial products and existing internal platforms against functionality, integration requirements, security, long-term cost, vendor dependency and roadmap flexibility.
Do you also execute the recommendations?
Yes. Speednet is a delivery organisation as well as a consulting partner. Your team can implement the recommendations independently, or our specialists can remain involved through architecture, design, development and production delivery.
Can you work alongside our internal architects, product teams and existing vendors?
Yes. We frequently work inside existing organisations rather than replacing them. We can provide an independent perspective, facilitate decisions and work with the teams that will ultimately own the outcome.
Can you review an architecture or product direction we already have?
Yes. Consulting does not need to start with a blank page. We can assess an existing concept, architecture, roadmap or vendor proposal and identify risks, gaps and alternative approaches.
Do you support AI strategy and readiness?
Yes. We can help identify AI use cases, assess technical and organisational readiness, define governance requirements and plan controlled adoption across products or the software delivery lifecycle.
Do you only consult for banks?
No. Banking, fintech and insurance are our primary areas of expertise, but the same approach applies to other complex environments where product decisions depend heavily on architecture, integrations, security and legacy technology.
Let's talk product & technology
What decision is holding your roadmap back?
Tell us what you're trying to build, modernise or decide. We'll connect you with a senior Speednet expert who can help turn the problem into a practical product and technology direction.