Fintech consulting built for real-world execution. We help fintechs and non-fintech companies make smarter decisions, reduce risk, and bring their financial innovations to life.
Start your projectWe analyze your business model, products, operations, and identify key areas for improvement or innovation.
We help you plan, validate, and optimize your fintech product launch across the right channels and markets.
We guide you through licensing, audits, and local/global fintech regulations - including PSD2, DORA, MiCA, and more.
We support non-fintech businesses in embedding payments, lending, KYC, and financial services directly into their offering.
We start by understanding your business objectives, current position, and potential. Our team conducts interviews, desk research, and gap analysis.
We deliver a clear consulting report, tailored to your use case - including roadmap, market insights, partner suggestions, and regulatory flags.
We don’t stop at slides. We assist your team in choosing vendors, structuring integrations, and aligning business and product teams for delivery.
We stay engaged through key milestones, offering strategic reviews, health checks, and updates aligned with market changes and regulation shifts.
We work with both fintech startups and established companies to unlock new opportunities and solve complex challenges. Whether you're launching a lending product, optimizing your payment stack, or figuring out embedded finance - our job is to help you make informed, confident decisions. Always practical, never generic.
Start your project
Our consulting model is hands-on and impact-oriented. We blend domain knowledge with industry contacts, regulatory expertise, and product thinking. The result? Tangible strategies that work in your specific business context - not just in theory, but in execution.
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.
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.
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.
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.
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.
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.
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