Stay ahead in
banking and payments

With decades of consulting experience serving banking and payments clients, we have the capabilities to help you navigate and succeed in this dynamic market.

Take your business to the next level

Custom approaches for every client, designed for maximum impact

We understand the challenges that come with navigating the complex banking and payments market. With our extensive experience working across the payments value chain, we appreciate how changing regulations, emerging technologies, and new entrants can impact economics, and what strategies are required to succeed.

From banks and credit unions to fintechs, payment processors to merchants, insurers to private equity firms, we have worked with every major stakeholder in the industry. We have the expertise and insights to help you respond to the challenges and opportunities that arise, ensuring that your business stays ahead.

We retained Tony and his team to diligence a potential bank investment and to explore the co-brand credit card market; throughout both engagements, he could readily adapt and add value given our rapidly evolving business needs. Tony is one of the rare advisors who not only brings subject matter expertise and insightful analysis to the evaluation of difficult business decisions, but he also always ties recommendations back to our broader strategic objectives. He is a star in the quickly changing world of banking and payments!
Managing Director, Top 5 Asset Management Firm
We are living through a period of transformative change in business credit markets. We needed someone to help us interpret our voice of the customer data and create consensus regarding the decision to buy, build, or partner, as well as create a go-to-market strategy. Tony and his team were laser-focused on our desired outcomes and delivered value beyond what we could have achieved without their help.
President, Business Banking
Tony led a project at our bank to strategically assess the future of our ATM channel. Tony’s depth of industry knowledge allowed him to provide great insight and direction. The framework he used allowed him to assess the details of the topic, while presenting his conclusions in a simple “easy to digest” format. In the process, he helped shift the debate away from transactions and instead focused on our customers, customer value and channel economics. The project provided real strategic value for the bank that we often reference.
SVP, ATM Executive, Top 5 Bank ATM Deployer
I am extremely grateful for Tony’s help with selecting our prepaid processing platform. Banking & Payments Group’s expertise and guidance was invaluable in ensuring that our system is easy to use, secure and economically viable. The attention to detail and commitment to ensuring that our selection was the right fit was crucial. Banking & Payments Group saved us both significant capital and immeasurable time.
Head of Product, Fintech Startup
Our payments network contract negotiation contemplated including an interchange benchmarking provision. Unfortunately, in the complicated world of debit, we couldn’t agree upon how exactly this work should be done across networks and authentication types. Fortunately, Tony devised a clever approach to assess like-for-like transactions, combining in-depth expertise and analytical horsepower. The end result earned the buy-in of the bank and the network, and would produce significant financial value upon execution.
SVP, Payments Network Center of Excellence, Top 5 Issuer

Banking & Payments Group offers clients a compelling value proposition

Grounded in deep expertise, Banking & Payments Group is able to add value from Day One. Unlike strategy generalists or consulting firms with a leverage staffing model, our clients benefit from the active involvement of senior consulting professionals, eliminating any learning curve. Our team has worked across the full payments value chain, helped optimize all retail banking products and channels, and served clients in every major region worldwide.

The best testament to our impact is from clients. We are committed to excellence, working with clients to deliver nothing less than extraordinary impact. But don’t take our word for it – read direct feedback from clients with whom we have worked. The vast majority of our business comes through referrals, and we look forward to the opportunity to serve your business.


We invest in point-of-view articles to share our perspectives, leveraging proprietary data, expert analysis and forward-thinking. We welcome your comments and feedback.

In collaboration with Barlow Research Associates

The Slow Road to Faster Payments

As a general maxim, ‘better, faster and cheaper” wins in the marketplace. The broad rollout of faster payments in the US is set to test this idea. As widely communicated, the Federal Reserve launched its faster payments service, FedNow, on July 20. Together with The Clearing House’s RTP and Nacha’s Same Day ACH, the US now has three world-class faster payment systems; will they be used?

By Banking & Payments Group and Blueflame Consulting

The Great Payments Engine

The number of payment transactions in the US has grown by 5.1 percent per year, on average, over the past 20 years. Through recessions and a pandemic, the payments market has proven to be remarkably resilient, easily outpacing GDP growth. This point-of-view explores what’s powering this incredible payments engine.


Banking & Payments Group regularly speaks at important events, sharing intellectual capital and contributing to the industry dialogue. Let us know if you plan to attend any of the conferences listed below; we would be pleased to meet with you.

March 10-13, 2025 | Las Vegas

Fintech Meetup is the leading event in the Spring, bringing together over 4,000 practitioners from across the banking, payments, technology and investor communities to help shape the future of Fintech. The conference’s content is complemented by thousands of opt-in 1-1 meetings, providing unparalleled networking opportunities.

Building on excellent panel discussions in 2023 and 2024, we look forward to speaking again at next year’s event.

Our Team

Tony Hayes

Tony Hayes is the Founding Partner of Banking & Payments Group, a management consulting firm dedicated to serving the banking and payments industry. The firm provides best-in-class actionable advice to senior executives, bringing unmatched expertise and dedication to its clients.