CCG Catalyst empowers international fintech companies to successfully enter and thrive in the US marketplace through our specialized advisory services. With decades of experience in financial services and a deep understanding of the fintech ecosystem, we provide tailored strategies to navigate the complexities of the US market, ensuring sustainable growth and competitive positioning. Our comprehensive suite of services includes:

• Product and Market Assessment: We conduct in-depth evaluations to assess the viability of your fintech product in the US market. This includes analyzing market demand, customer needs, and competitive landscapes to ensure your offering resonates with target audiences.
• Go-to-Market Strategy: We craft actionable go-to-market plans that align with your business goals, identifying key entry points, customer segments, and distribution channels while optimizing for speed, scale, and efficiency in the US market.
• Regulatory Compliance: Navigating the US regulatory environment can be daunting for international fintechs. We provide expert guidance on federal and state-level compliance requirements, helping you mitigate risks and build trust with stakeholders while adhering to laws like those enforced by the OCC, FDIC, and CFPB.
• Pricing Review: Our team performs detailed pricing analyses to ensure your fintech solution is competitively positioned in the US market. We balance profitability with market expectations, factoring in customer willingness to pay and regional pricing trends.
• Market Analysis: We deliver comprehensive market insights, identifying trends, opportunities, and challenges in the US fintech landscape. Our analysis equips you with the knowledge to make informed decisions and capitalize on emerging opportunities.
• Product Gap Analysis: We evaluate your product against US market expectations and competitor offerings, identifying gaps and recommending enhancements to improve market fit and drive adoption.

Bankers Fintech Council: Bridging Fintechs and Financial Institutions

As a testament to our commitment to fostering innovation, CCG Catalyst founded the Bankers Fintech Council, a unique member organization that connects fintech companies with banks eager to collaborate on new or innovative solutions. This council provides a platform for banks to engage with fintechs, explore partnerships, and participate in proofs of concept (POCs). Through the Council, international fintechs gain unparalleled access to US financial institutions, enabling them to test and refine their solutions in real-world banking environments. Our partnerships with regional banking associations further strengthen these connections, ensuring a diverse and engaged network of participants.

Client Engagement Examples

Our advisory services have empowered a diverse array of international fintechs to successfully break into the US market, tailoring strategies to their unique offerings and challenges. Here are some examples of how we’ve helped fintechs achieve their goals:

• Cross-Border Payments Fintech (UK-Based): A UK fintech specializing in low-cost cross-border payments sought to expand into the US market to serve small and medium-sized businesses (SMBs). We conducted a thorough market analysis, identifying key competitors like Wise and Payoneer, and pinpointed underserved niches such as SMBs with frequent trade ties to Latin America. Our regulatory compliance team guided them through compliance with FinCEN regulations and state money transmitter licenses, while our go-to-market strategy included partnerships with regional banks via the Bankers Fintech Council. Within 12 months, the fintech secured a POC with a mid-tier US bank and gained traction with SMB clients in the Southwest.
• Digital Wealth Management Platform (Singapore-Based): A Singapore fintech offering AI-driven wealth management tools aimed to target US millennials and Gen Z investors. Our product and market assessment revealed gaps in their platform, such as limited integration with US brokerage APIs like Alpaca or Interactive Brokers, and a lack of fractional share trading—a popular feature among young US investors. Through our product gap analysis, we recommended enhancements and prioritized features to align with US investor preferences. Additionally, we facilitated introductions through the Bankers Fintech Council, leading to a collaboration with a regional bank interested in white-labeling their robo-advisory solution for younger clients.
• Blockchain-Based Trade Finance Solution (Germany-Based): A German fintech leveraging blockchain for trade finance sought to penetrate the US market, focusing on supply chain financing for mid-sized manufacturers. Our market analysis identified significant demand but also highlighted regulatory hurdles, such as compliance with UCC-1 filings and anti-money laundering (AML) requirements. We provided a detailed regulatory roadmap and worked with their team to adjust pricing models to compete with incumbents like Marco Polo and TradeIX. By connecting them with a Bankers Fintech Council member—a community bank with a large manufacturing client base—they were able to launch a successful POC, demonstrating reduced transaction times by 40% compared to traditional methods.
• Embedded Finance Provider (Australia-Based): An Australian fintech offering embedded finance APIs for e-commerce platforms wanted to expand into the US to serve online retailers. Our pricing review revealed their subscription model was misaligned with US market expectations, where pay-per-use models were more prevalent among competitors like Stripe and Adyen. We also conducted a product gap analysis, identifying the need for integrations with popular US e-commerce platforms like Shopify and WooCommerce. Through our go-to-market strategy, we helped them target mid-sized retailers and facilitated a POC with a regional bank via the Bankers Fintech Council, enabling the fintech to offer buy-now-pay-later (BNPL) solutions directly within the bank’s merchant ecosystem.