We help FinTechs, banks, payment providers, marketplaces and non-financial companies design, launch and scale financial products - combining expertise in strategy, payments, product, technology, regulation and go-to-market.
years of experience
countries we work with
NPS from our customers
Specialist support for the strategic, commercial, regulatory and technology decisions behind successful financial products.
FinTech experience in practice - discover how we help companies turn complex challenges into success.
We work with regulated institutions, FinTech innovators and companies embedding finance into their products.
Discuss your challengeProducts, infrastructure and transformation
Validation, launch and growth
Propositions, operations and partnerships
Digital products and embedded insurance
Lending journeys, risk and technology
Cross-border flows and compliance
Embedded payments and financial services
Conversion, costs and resilience
Due diligence and operational audits
Bring us the complex decision, launch or performance problem. We turn it into a practical route forward.
We want to launch a card, account or lending product.
We need to choose a BaaS, PSP, acquirer or processing partner.
Payment costs are growing and conversion is underperforming.
We want to embed financial services into our platform.
We need to prepare a product and operating model for licensing.
We are entering a new market and need the right payment setup.
We need independent FinTech due diligence before an investment.
Our financial infrastructure or operating model no longer scales.
We combine industry knowledge with the ability to turn recommendations into products, operations and measurable commercial action.
Hands-on work across payments, banking and financial-product environments.
Business, product, regulation and technology considered together.
Partner and technology recommendations driven by your needs, not vendor preference.
Decisions translated into requirements, roadmaps, partner selection and implementation support.
The z3x team demonstrated a high level of professionalism and an excellent understanding of the specifics of the FinTech and e-commerce market. The audit, detailed analysis of the competitive environment, and local customer expectations provided us with valuable data that really supported the decision-making process and planning for the launch of new services. We appreciate the strategic approach, timeliness, and quality of the materials prepared. The cooperation went smoothly and fully met our expectations.
Working with the z3x team on auditing our processes proved to be very valuable. We received a detailed analysis of existing solutions, reliable research, and specific recommendations for changes and improvements. The team demonstrated extensive knowledge of the industry and the ability to combine business and technological perspectives. The entire process ran smoothly, and the materials prepared provided a solid basis for further optimization activities.
Collaboration with Z3X Tech-Care Group helped us structure and redesign selected processes within our digital environment. Through targeted automation and operational flow optimization, we achieved improved operational efficiency and enhanced customer conversion performance.
Z3X are experts who advised us on chatbots, automation, and integrations. Thanks to their support, we eliminated many manual processes, accelerated company processes, and gained ready-to-use solutions. With their expert knowledge in AI and automation, the team led by Jakub Smeda and Karol Zielinski is highly recommended to all managers who need competent technology consulting.
The z3x team provided comprehensive support throughout the design and development process of our new mobile application - from the initial concept, through product strategy development, to the final implementation. The collaboration covered both the technological and business aspects, with every stage carried out with great attention to detail and quality. The team demonstrated an excellent understanding of our needs, high flexibility, and the ability to efficiently address emerging challenges. The implementation of payments was just one of many well-executed components in this complex project.
Collaboration with Z3X Tech-Care Group helped us structure and clarify the direction of our next steps in preparing the organization to work with AI.
We work with leading payment providers, technology companies and specialist partners to support FinTech projects from strategy through implementation.
FinTech Trends Poland is a recurring event that brings together the financial industry, tech innovators, and AI enthusiasts, focusing on the latest trends and solutions shaping the world of FinTech.
Eduwallet is a smart platform designed for schools and educational institutions, helping them manage payments, documents, and communication with parents in one simple place. It streamlines everyday processes and brings clarity to school finances - for both institutions and families.
Payevento is a simple and powerful tool for event organizers, allowing them to easily sell tickets, accept payments, and manage attendees - all in one place. It's built to streamline the entire event payment process, from setup to check-in.
Straightforward answers about FinTech consulting and how z3x helps companies build and scale financial products.
FinTech consulting helps companies design, launch, improve and scale financial products and services. It combines business strategy, product development, payments, technology, regulation, operations and go-to-market expertise.
Explore z3x's FinTech consulting expertiseA FinTech consultant analyses business objectives, customer needs, regulatory requirements and technology constraints. They help define the product, operating model, implementation roadmap, partnerships and go-to-market strategy.
Explore FinTech product strategyFinTech consulting is useful for banks, FinTech companies, payment providers, lenders, insurers, marketplaces and non-financial companies introducing payments or other financial services.
See who z3x helpsz3x is a FinTech consulting company that helps organisations design, launch, improve and scale financial products. z3x combines expertise in business strategy, product development, payments, technology, regulation, operations and go-to-market.
About z3xz3x works with FinTech startups and scale-ups, banks, payment institutions, PSPs, acquirers, lending companies, insurance companies, money-remittance providers, marketplaces, investors and non-financial companies embedding financial services into their products.
See who z3x helpsz3x helps develop payment services, card programmes, accounts, lending products, insurance propositions, remittance services, embedded finance and Banking-as-a-Service products, from early validation through implementation and growth.
Explore z3x's expertiseYes. z3x helps clients evaluate and select PSPs, acquirers, processors, Banking-as-a-Service providers, card-issuing partners and other FinTech vendors. Its recommendations are based on product, market, commercial, regulatory and technical requirements.
Explore provider selection expertiseYes. z3x can translate strategy into requirements, roadmaps, operating models and partner-selection processes, and then support product, technology and business teams throughout implementation and launch.
Discuss implementation support
