Fintech consulting
Operator-led fintech consulting.
Wernberg & Partners works directly with founders, executives and commercial teams on the commercial and infrastructure decisions behind building and scaling financial businesses.
From go-to-market and partnerships to banking, payments and digital-asset infrastructure, engagements are designed around the decisions that materially affect growth, economics and execution.
Why Wernberg & Partners
Advice from inside the market.
Fintech companies rarely have purely strategic problems. Commercial decisions depend on infrastructure, counterparties, regulation, product economics and execution.
Wernberg & Partners brings these perspectives together, combining senior commercial advisory with hands-on experience across payments, banking, fintech and digital assets.
Direct senior involvement
Clients work directly with Gustaf Hult rather than being handed over to a junior consulting team.
Operator perspective
Advice is grounded in what it actually takes to launch, sell, negotiate, partner and execute in financial services.
Focused engagements
Work is structured around a defined commercial or strategic objective rather than open-ended consulting programmes.
Fintech consulting
Commercial strategy and financial infrastructure belong in the same conversation.
Many fintech decisions sit across several disciplines at once.
A new market may require a different proposition, banking setup and partner strategy. A new product may change pricing, settlement economics, acquiring requirements and go-to-market. A growth problem may ultimately be caused by the commercial model rather than the sales team.
Wernberg & Partners works across these intersections, helping management teams structure the problem, challenge assumptions and move toward an executable decision.
Expertise
Where I typically get involved.
Commercial strategy & GTM
Commercial strategy for fintech and financial-services businesses entering, scaling or repositioning within competitive markets.
- Go-to-market
- Positioning
- Pricing
- Sales execution
- Partnerships
- Commercial models
Payments & banking infrastructure
Independent advice around the counterparties, infrastructure and commercial models behind modern financial products.
- Banking partners
- Acquiring
- PSPs
- Payment-stack design
- Settlement
- Treasury
- Commercial negotiations
Market entry
Support for fintech companies evaluating new geographies, verticals, products or distribution models.
- Market assessment
- Proposition
- Partner landscape
- Commercial model
- Route to market
- Launch planning
Digital assets
Advisory where traditional financial infrastructure meets digital assets.
- Fiat infrastructure
- Banking
- Payments
- Counterparties
- Commercial strategy
- Product positioning
Typical situations
Usually, there is a specific decision to make.
We are entering a new European market.
We need to rethink our banking or payment infrastructure.
Our commercial model is not scaling as expected.
We need stronger acquiring, banking or payment partners.
We are launching a new fintech proposition.
We need an experienced outside perspective before making a major commercial decision.
The engagement starts with the decision, not with a predefined consulting package.
Selected work
Problems worth getting involved in.
Entering a new market
Determining proposition, commercial model, infrastructure partners and route to market before significant resources are committed. Financial services market entry.
Rebuilding a commercial model
Reviewing positioning, pricing, sales execution and partnerships to identify where growth is being constrained. Commercial strategy & GTM.
Structuring financial infrastructure
Assessing banking, acquiring, payments and digital-asset counterparties to create a commercially stronger and more resilient setup. Payments & banking infrastructure.
Launching a new proposition
Working alongside founders and commercial teams from initial proposition through partnerships, pricing, go-to-market and execution. Commercial strategy & GTM.
Selected involvement
Built, advised and backed from inside the ecosystem.
Crosswire
FOUNDERFinancial infrastructure · Digital assets
Financial infrastructure for complex and high-risk businesses across banking, payments, acquiring and digital assets.
Syntheon AI
Co-FounderAgentic AI · Regulated operations
Agentic AI Systems for regulated operations, built for financial institutions and other regulated enterprises.
Movitz Payments
AdvisorPayment modernisation · Banks and fintechs
Payment-modernisation technology for banks and fintechs, spanning payee verification, payment tracking and the wider payment lifecycle.
Steven
InvestorConsumer fintech · Payments
The app for shared expenses - split bills and settle up with friends via Swish, Klarna and the Steven Mastercard.
GoParity
InvestorImpact investing · Sustainable finance
EU-regulated crowdfunding platform to lend to sustainable projects and invest in impact companies - from €20.
Roles are stated explicitly. Investments and companies being built are not advisory clients.
Wernberg & Partners is led by Gustaf Hult, who works directly with founders, executives and commercial teams across fintech, payments, banking and digital assets.
Engagements span commercial strategy, go-to-market, partnerships, market entry and financial infrastructure.
The model is intentionally lean. Specialist expertise is brought in through the wider Wernberg & Partners network where an engagement requires it.
How I work
Focused involvement from decision to execution.
01
Understand
Clarify the commercial objective, constraints, economics and existing assumptions.
02
Challenge
Pressure-test the strategy and identify the decisions that matter most.
03
Structure
Turn the problem into clear options, recommendations and an executable plan.
04
Execute
Where useful, stay involved through partner discussions, negotiations, commercial execution or launch.
Request advisory
What are you trying to solve?
If you are working through a commercial, market-entry or infrastructure decision, tell me briefly about the situation and where outside involvement could help.