We provide strategic advisory in payments and FinTech.
- Credit, debit, and prepaid
- Consumer and commercial products
- Regulation and legal issues
- Mobile payments and commerce
- Contactless (NFC, QR codes, etc.)
- Blockchain & virtual currencies
- HCE, Tokenization
- Integrated merchant processing
Deborah Baxley, Christienne Genaro, and David True have partnered to form PayGility Advisors, a payments industry advisory and strategic consultancy. We have combined experience of many decades in payments and Fintech – working in the industry, providing consulting, and conducting due diligence for investors.
- Our client experience comprises all segments of the payment ecosystem, including card issuers, merchant acquirers, networks, bank consortiums, processors, merchants and FinTech startups.
- Our specialties include payments strategy, competitive positioning, market entry strategy, regulatory and legal issues, aligning business and technology strategies, platform selection, mobile payments, mPOS, merchant payment optimization, cross-border payments, cryptocurrencies, credit/debit/prepaid cards, consumer and commercial products, and faster payments.
Innovations from China and India
To find the most cutting-edge payment innovations, look to China and India, says Deborah Baxley, partner at PayGility Advisors. Just in the last decade, China has leapfrogged from an all-cash economy to being “nearly cashless” in urban areas, where Chinese consumers have widely adopted mobile apps like WeChat and Alipay. India has seen an equally dramatic shift towards mobile pay, in part as a result of the government’s 2016 decision to pull certain small denominations from cash circulation. Fintech investments in China and India, Baxley says, are shaping up to play a pivotal role in the future of global payments.
The Disappearance of Payments
Payments are disappearing, argues David True, Partner at PayGility Advisors. They have become so technologically easy to process, by so many parties, that the real competition now is in the add-on services that many payments companies provide, like accounting software or analytics. True explains the history of how payments became commoditized and offers predictions for what to watch for as the major players in the industry—like Visa, MasterCard, and AmEx—adapt to this changing landscape.