Our Vision

::projective is a collective of industry leaders, innovation experts, change consultants and technologists with exceptional domain expertise and experience

Our vision is to enable our clients to build the next generation businesses to transform markets, and adapt new business models to have a positive and lasting impact on society at large

We facilitate the diversity of ideas required for true innovation and change to emerge

What we do

::projective is a business, technology and innovation consulting and change firm exclusively focused on the financial industry

We have created a unique ecosystem to bring cutting-edge ideas, solutions and services to our clients 

We drive change, inspire innovation, facilitate cost reduction, and enable new value creation across the financial services ecosystem(s) – a true partner who can transform promising ideas into tangible and sustainable results

The financial industry is undergoing a significant transformation fueled by many challenging factors requiring all industry participants to develop sustainable answers of their future and successful execution of change and innovation.

Customer sophistication

As consumers – both business based and private alike – take greater charge of their financial futures, better using their personal data and the information they have at their fingertips, the balance of power is shifting away from the hands of financial institutions into the hands of the individual

Technology-induced innovation

Market share of the major – and even smaller – financial institutions is being eroded as new entrants from in and outside the financial sector as technology has become democratized and now available to everyone globally at low cost to use and to deliver new products, new services and new customer experiences

Regulatory cost

The never-ending wave of regulatory reforms will continue to reshape the financial landscape as institutions respond to ensure they remain ahead of the compliance curve at the lowest cost possible without risking breaches and resulting fine

Economic underperformance

With financial institutions struggling to cover their cost of capital, they need to find new ways to generate drive levels of performance – which will mean ongoing, transformational change, more prudent cost take out whilst building new customer value creation opportunities to drive new top-line revenues

Part of an ecosystem for change and innovation

Galileo, Newton, Maxwell, Einstein, Heisenberg were standing on the shoulder of its predecessor and building on each other’s ideas which led to modern physics and ultimately to our capability to develop advanced technology, to fly to the moon, to understand our environment and most recently to enter the area of quantum computing. Building on each other ideas is in our DNA, is what drives us, to design/build/curate innovation and making ideas become reality. With this belief and motivation we designed our ecosystem – connecting the dots of domain expertise, change experience, entrepreneurship and technology-led innovation.

We operate at the heart of a business and technology ecosystem that doesn’t just dream but delivers innovation and change, addressing the most important issues today to position our clients to best address the challenges of tomorrow

With access to a unique portfolio of leading-edge partners, the ::projective ecosystem goes far beyond traditional consulting to drive and deliver not only lasting change and measurable value, but insightful innovation to overcome today’s industry challenges and transform tomorrow’s business performance. With the ability to access leading-edge, innovative skillets from our unique partner network, we will work with you to design, prototype, implement and continually iterate the solution that is right for your business and for your clients.

SmartFin Capital

Private Equity and Venture Capital fund, investing globally in smart, leading-edge technologies

A European-based Private Equity and Venture Capital fund managed by a experienced team of financial industry experts and investment managers that combines financial, operational and entrepreneurial experience, supporting its portfolio companies in their short and long-term growth aspirations – investing into smart tech around the globe.

The Glue

Enabling & accelerating digital strategy & business model execution protecting technology investments

A visionary solution architecture, available out-of-the box or as a service built for banks (encompassing fast data, in-memory grid computing, flexible and pre-defined APIs), enabling digital transformation, at high implementation speed whilst protecting investments into existing legacy technology stacks and platforms.


B-Hive is a European collaborative innovation platform joining major banks, insurers and market infrastructure players

B-Hive is a European collaborative innovation fintech platform that brings together major banks, insurers and market infrastructure players. Together, we work on common innovation challenges and build bridges to the startup and scale-up community.