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Financial Services

Challenges We Help You Overcome

We work with banks, fintechs, and start-ups to solve the digital challenges holding financial services back.

Customer journeys feel fragmented and confusing.

When onboarding and execution happen across disconnected tools, trust breaks down. We design seamless flows that guide users from first touch to transaction.

Legacy tech keeps holding great ideas back.

When core systems weren’t built for speed or scale, it means you aren’t ready for tomorrow. We help modernise infrastructure in phases and build to support whatever’s next.

Compliance adds friction instead of building confidence.

As regulation expands, scattered data and manual checks slow everything down. We embed compliance into the product layer, so teams move fast without taking risks.

Blockchain sounds promising, but not sure of the value.

Many teams see the potential, but lack a clear path from idea to results. We turn emerging tech into value-added platforms.

We Know Fintech

Helmut Kranzmaier

Helmut Kranzmaier

Partner

Helmut brings experience from banking, fintech & venture capital. He helps clients build technology-driven business models that scale.

Where Impact is Made

Great financial ideas don’t get stuck because of a lack of ambition. They get stuck when customer journeys fall apart, tech doesn’t deliver, or compliance takes over.

Reimagine the customer journey

We help you redesign the experience, from first impression to investment. Your users feel confident, supported, and in control.

“We’ve built the product. But people drop off before they do anything.”

  • Map real customer behavior to find friction and fix flow
  • Design seamless journeys that connect research, onboarding, and action
  • Bring education and insights into the platform
  • Improve decision confidence through smarter UX, content, and tools

Turn platform ideas into real-world value

We help financial organisations plan and deliver digital platforms that work, designed around business goals, customer needs, and regulatory reality.

“We don’t need more tech, we need the right tech that actually moves the business forward.”

  • Define the vision, features, and goals your platform should deliver
  • Map compliance needs like KYC and AML into the foundation, not as afterthoughts
  • Align internal teams and partners around a clear, phased delivery plan
  • Build in quality checks, ownership, and accountability from the start

Scale what works. Expand what’s possible.

Whether it’s blockchain, embedded finance, or partner ecosystems, we help you scale what’s proven and explore what’s next.

“We see the opportunity. But we’re not sure how to move from pilot to real traction.”

  • Identify where emerging tech fits into your business
  • Design tokenisation, smart contracts, and embedded products that meet user needs
  • Support market expansion with the right mix of strategy, tech, and trust
  • Strengthen your platform with data, partnerships, and monetisation

Santander Turbo Certificate Platform

Success you can measure

83% of Poland’s structured-product turnover comes from Turbo certificates
Santander wanted to help investors in Poland navigate high-risk structured products with more confidence. We built a digital platform that lets users learn about, analyse, and invest in Turbo Certificates within a single, seamless flow.
Read Full Story
santander

Get to Know our Team

Helmut Kranzmaier
Berlin

Helmut Kranzmaier

Affiliated Partner

Helmut is Affiliated Partner at DevelopX, where he supports companies in building technology-driven business models and digital platforms. His focus is on data-based ecosystems, innovation, and sustainable growth, with particular expertise in the financial industry. Previously, he held leadership positions at Deutsche Bank in Germany and the United Kingdom, founded a fintech/startup (now part of Qwist), and was a Partner at the strategic communications consultancy Kekst CNC, as well as at Bridgemaker in corporate venture building. Helmut holds an Executive MBA from City, University of London, and has completed executive programs at Stanford, the Hasso Plattner Institute, and MIT.
Munich

Dr. Armin Höll-Steier

Partner

As a partner at DevelopX, Armin advises clients primarily in the financial services and insurance sectors. His areas of focus include digital product development, customer journey development, sales and the application of AI in digital workflows. Prior to joining DevelopX, Armin was CEO of CHECK24 Versicherungsservice and had management roles at the top strategy consulting firms Bain & Company and Boston Consulting Group. He holds a diploma and a doctoral degree in Business Administration and a Master of Business Research from LMU Munich.
Chris Heeg
Hamburg

Chris Heeg

Partner

As a Partner at DevelopX with a strong focus on technology, Chris is responsible for the design, implementation and scaling of complex digital products. He also advises clients on digital transformation and the adoption of emerging technologies such as AI and blockchain.
Before joining DevelopX, Chris was Commercial Lead at freiheit.com and worked as a consultant at firms including Roland Berger and McKinsey & Company. As the CEO & Founder of a mobile fitness app, he brings hands-on entrepreneurial experience. He holds a degree in physics from the Technical University of Munich, which he completed one semester ahead of schedule.
Hamburg

Michael Hab

Partner

Michael is a Partner at DevelopX with 25+ years in digital transformation, product innovation and venture building. He has led engagements in 20+ international markets, delivering impact across B2B and B2C. At DevelopX, he advises clients on business model and product innovation, scalable platform solutions and digital operating models. Previously, he held leadership roles at Etribes and Accenture/dgroup; earlier roles include B‑LUE Management Consulting and Arthur Andersen. He began his career at a CRM software startup later acquired by SAP. Michael holds a lic. rer. pol. in Management from the University of Fribourg (Switzerland).

Growth in finance starts with insight.
And scales with strategy

We help you connect insight, regulation, and opportunity.

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