FintechPennyworth
Digital bank build
Serverless, microservices-based digital banking with native apps and intelligent decision engines for a UK challenger bank.
View case studyAI & Data
AI Strategy & Advisory Before you spend on the build
Find the use cases worth building — and the ones that aren't.
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Most AI programmes stall not because the technology failed, but because the wrong problem was chosen. We start with your workflows and your data, rank the opportunities by value and feasibility, and give you a costed roadmap you can take to a board — including the ideas we think you should drop.
Talk to us about this
Tell us the decision you are trying to improve and we will tell you whether this is the right place to start.
Start a conversationWhat we do
Use-case discovery & ranking
We map the workflows where a decision is made repeatedly, then rank candidates by value, feasibility, and the data you actually hold.
AI & data readiness assessment
An honest view of whether your data, platforms and processes can support what you want to build — and what it takes to close the gap.
Build, buy or partner
Evaluating off-the-shelf tools against a bespoke build, including the total cost of ownership either way rather than the licence price alone.
Costed roadmap & business case
A sequenced plan with realistic cost projections, so the first project funds the second instead of exhausting the budget.
Operating model & skills
Who runs this once it is live, what they need to know, and where our teams sit alongside yours.
Risk & governance framing
The controls, approvals and audit expectations mapped out at the start, not discovered during a review.
What you walk away with
A ranked backlog of use cases with value and feasibility scored
An honest feasibility view — including what we recommend against
Total cost of ownership, not just build cost
A delivery plan with milestones and decision points
The data and platform work each use case depends on
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Let's engineer your next reinvention
Book a no-pressure discovery call. We'll listen, ask the right questions, and come back with a clear plan — usually within 48 hours.