Explicit Selection is a boutique consultancy firm born in the world of financial services and technology. Our senior consultants bring decades of domain expertise alongside deep technical fluency – in markets, standards, specifications, compliance frameworks, and real-world implementation.
Clients engage us to deal with complex things. We combine our vast expertise with modern intelligence tools – including our own Explicit Intelligence platform – to orchestrate insight with precision and deliver reports that are built to act on.
We compare your products or services against peers, industry standards, and market leaders across defined dimensions: product scope, technology, risk and compliance posture, and commercial performance. This is needed whenever you require an objective external reference point to justify strategic choices, size investment, or demonstrate credibility to boards, regulators, or network partners. You receive a structured benchmark with quantified gaps, clear positioning versus the market, and a prioritised list for your roadmap.
Read more →We embed senior practitioners in your build, certification, and rollout, working inside the project rather than advising from the sidelines. Fintech services rarely fail on strategy; they fail on execution, where scheme certifications, regulatory obligations, rulebook conformance, and third-party integrations quietly erode the timeline. With our experts, you get an owner for the hard tasks: decisions unblocked, scheme and regulatory gates cleared, and the solution aligned end-to-end with internal quality standards.
Read more →We architect the full operating stack of a fintech service: licensing strategy and perimeter (EMI, PI, MiCA), governance and internal controls, target operating model, IT and data architecture, vendor and partner selection (core processing, KYC/AML, fraud, card issuing, scheme or BIN sponsorship etc.), and the service delivery model that ties it together. You receive a deployable blueprint: license and governance design, operating model and process map, integration architecture, a vetted vendor shortlist, and a sequenced build plan ready for execution.
Read more →We perform technical, regulatory, and commercial due diligence on technology companies, with particular depth in fintech / payments, digital identity, and other regulated domains. Generalist due diligence misses what actually drives value or risk in this sector: scheme accreditations, licence perimeters, certification status, technical debt, and dependency on specific networks or infrastructure. You receive a concise report isolating deal-breakers, red flags, valuation-relevant findings, and the remediation items that should sit in the SPA or the first 100-day plan.
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In-house built, running in our own cloud and designed to work with confidential materials, it segregates client data, which is never used to train shared models, and never exposed across mandates.
Behind every service line, is Explicit Intelligence – our AI platform that consolidates the industry knowledge, technical specifications, market insights, and outputs from every engagement into a living, interactive intelligence layer.
Every report we produce, every specification we interpret, every benchmark we build flows into the orchestrated network of specialized AI agents — and back out to clients as interactive, living deliverables that continue to work long after the engagement ends. It is the competence center that keeps our work current, connected, and built to last.
More about Explicit Intelligence →Every engagement is led by senior consultants who have spent careers inside payments and digital identity. We bring decades of domain knowledge to every specification, compliance question, and implementation challenge — and we stay engaged through delivery.
We combine hands-on technical expertise — in specifications, testing, and implementation — with the commercial and regulatory fluency that compliance-critical work demands. We understand what the standards say and what they mean in practice.
Through Explicit Intelligence, every engagement produces more than a report. Clients receive a persistent, queryable knowledge base that continues to serve the business over time — turning each project into a long-term asset rather than a single deliverable.
Tell us about the decision in front of you. We respond personally, and only when we can genuinely add value.
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