International expertise

International FinTech Consulting

z3x helps financial-services companies enter new markets, localise products, select partners and build operating models that can scale internationally.

Discuss international expansion

FinTech consulting by market

Each market page combines z3x capabilities with the regulatory, payment, partnership and customer considerations relevant to that country.

Austria

z3x helps companies launch and grow financial products in Austria with market-entry, payments, product, regulatory and implementation expertise. We account for the local role of EPS, SEPA transfers, cards and established banking relationships while keeping the wider DACH opportunity in view.

Explore this market

Belgium

z3x helps companies enter the Belgian market with financial products designed around local payment habits, regulatory responsibilities and multilingual customer journeys. Bancontact, cards, SEPA instruments and Payconiq all influence how Belgian consumers expect to pay.

Explore this market

Bulgaria

Build and grow financial products in Bulgaria in a market now operating in euro, while customer behaviour still reflects a meaningful role for cash. z3x helps companies align payments, distribution, regulation, partners and digital customer journeys with the realities of the Bulgarian market.

Explore this market

Croatia

Launch and scale financial products in Croatia with a model built for euro settlement, SEPA, card-heavy commerce and sharp seasonal transaction peaks. z3x helps companies align product, payments, partners, regulation and go-to-market with how the Croatian market actually operates.

Explore this market

Czechia

Build and launch financial products for the Czech market with a strategy that reflects local payment behaviour, Czech-koruna economics and the role of established domestic banks. z3x supports product, payments, regulatory, partner and go-to-market decisions from market entry through implementation.

Explore this market

Denmark

z3x helps FinTech companies, banks and other businesses enter Denmark and build financial products for a highly digital market. We combine product, payments, regulatory and implementation expertise with local realities such as Dankort, MobilePay, account-to-account payments and widespread digital identity.

Explore this market

Estonia

Design financial products for a market where digital identity, automation and online banking are already part of the baseline. z3x helps companies validate the Estonian opportunity, structure the regulatory and operating model, select partners and build products that can extend beyond a small domestic market.

Explore this market

Finland

z3x helps FinTech companies, banks and digital businesses enter Finland with financial products built for a market where online bank payments, instant transfers and strong electronic identification are part of everyday customer expectations.

Explore this market

France

z3x helps FinTech companies, banks and other businesses enter France and build financial products around the realities of the local market. We combine product, payments, regulatory and implementation expertise with the French context, where Cartes Bancaires, SEPA instruments, established bank relationships and local distribution expectations still matter.

Explore this market

Germany

Enter and grow in Germany with a financial product built around local payment behaviour, regulatory expectations and partner realities. z3x helps companies shape the proposition, operating model, payment architecture and go-to-market for the German market.

Explore this market

Greece

Build and launch financial products in Greece around IRIS, cards, bank transfers, seasonal transaction patterns and cross-border demand. z3x helps companies design the proposition, payment setup, partner model and go-to-market for the Greek market.

Explore this market

Hungary

Launch and grow financial products in Hungary with a model built around forint economics, instant payments, local customer behaviour and MNB requirements. z3x helps companies shape the proposition, payment setup, partner model and go-to-market for the Hungarian market.

Explore this market

Ireland

z3x helps FinTech companies, banks and other businesses build and launch financial products in Ireland. We combine product, payments, regulatory and implementation expertise with the realities of an EU market shaped by cards, SEPA payments, direct debit and the presence of many international technology and financial-services businesses.

Explore this market

Italy

z3x helps companies enter, build and scale financial products in Italy. We combine FinTech strategy, payments, product, regulatory and implementation expertise with a practical understanding of a market where cards, bank transfers, instant payments and cash-influenced customer habits still coexist.

Explore this market

Latvia

Build and scale financial products in Latvia with a model suited to a compact, digitally capable market. z3x supports companies with market entry, payments, regulation, partner selection and go-to-market, while keeping the product ready for broader Baltic expansion.

Explore this market

Lithuania

Build and scale financial products in one of Europe’s most established FinTech markets. z3x helps companies assess the Lithuanian opportunity, structure regulated operations, design payment infrastructure and choose partners that can support both local execution and cross-border growth.

Explore this market

Netherlands

z3x helps companies build and scale financial products for the Netherlands, where iDEAL, SEPA Direct Debit and highly developed online commerce set demanding expectations for checkout, conversion and recurring payments.

Explore this market

Norway

z3x helps FinTech companies, financial institutions and digital businesses enter and grow in Norway with products designed around BankAxept, Vipps, local account transfers, NOK settlement and highly digital customer expectations.

Explore this market

Poland

Launch and grow financial products in Poland with a strategy built for the local market. z3x combines FinTech, payments, regulatory and product expertise to help companies make the right decisions on proposition, partners, technology and go-to-market.

Explore this market

Portugal

z3x helps companies build and uruchomienie financial products in Portugal with the local payment ecosystem in mind from day one. Multibanco, MB WAY, cards and SEPA transfers create a market where payment access, provider choice and integration strategy have a direct impact on adoption and economics.

Explore this market

Romania

Enter and grow in Romania with a financial product built around local economics, payment behaviour and the right operating model. z3x supports market entry, payments, regulatory readiness, partner selection and go-to-market for companies launching or scaling FinTech products in Romania.

Explore this market

Slovakia

Launch and scale financial products in Slovakia with a model built for the euro area and the local market at the same time. z3x helps companies combine SEPA and instant-payment capabilities with Slovak distribution, regulation, partnerships and customer experience.

Explore this market

Slovenia

z3x helps FinTech companies, banks and other businesses enter Slovenia and build financial products for a compact euro-area market. We combine product, payments, regulatory and implementation expertise with local requirements around SEPA, cards, partner selection and customer service.

Explore this market

Spain

z3x helps companies enter and grow in Spain with financial products designed around local payment behaviour, regulatory responsibilities and partner realities. Cards, Bizum and the growing role of instant account-to-account payments make localisation a core product and commercial decision.

Explore this market

Sweden

z3x helps companies build, localise and launch financial products in Sweden, where Swish, BankID, Bankgirot, cards and an exceptionally low-cash economy set a demanding standard for speed and digital convenience.

Explore this market

Switzerland

z3x helps companies enter Switzerland with financial products built for a market shaped by TWINT, Swiss-franc settlement, strong banking relationships and a regulatory environment that cannot simply be treated as an extension of the EU.

Explore this market

United Kingdom

Build and launch financial products for the UK around Faster Payments, mature Open Banking, cards and a distinct FCA regulatory framework. z3x helps companies turn market opportunity into a clear product, partner, compliance and go-to-market plan.

Explore this market

Trusted across the financial services industry

Global Payments

Want to work with us? Let's talk

[email protected]

Contact us