Our Projects, Focus, and Results

99FT projects may be sponsored by one or more client partners including financial institutions, existing fintechs, banking consortia, private equity firms, venture capital firms, or large corporates.

99FT powers innovation and solutions within industry verticals and across industries. We enable client lifecycle improvement, new business models, and enhanced operational performance.

99FT focuses on signature issues that can drive significant value for our client partners (and their customers and clients).

Notable examples include:

Reimagining business using faster payments

Expanding relationships through new products

Introducing new B2B payments rails to enhance supply chain or vendor management

Introducing new consumer payment capabilities to lower risk related to loan repayment or expand purchase power and loyalty

Expanding relationships through new products

Developing wallet and dashboard capabilities that facilitate vision, analysis and integration across P2P and BNPL platforms

Launching new services related to on-demand or embedded credit, including through employer sponsorship or enablement

Monetizing data responsibly

Joining forces for better ecosystems

Leveraging new sources of consumer-authorized and provisioned data to enhance existing payment and credit services; inform provider billing, servicing, and collections; or enable greater capital efficiency through enhanced use of funds and asset management

Joining forces for better ecosystems

Creating integrations to reengineer client experiences, including related to consumer healthcare payments and hospital collections or to enable migration from traditional bureau underwriting to account aggregation or blockchain to lower costs and risk

99FT Focus Areas

Embedded finance, point-of-sale (POS) lending, Buy Now Pay Later (BNPL)
Business-to-business (B2B) and small business lending
Consumer and B2B legacy payment systems
Real-time, crypto, and other emerging payment systems
Open banking, data aggregation, and consumer-authorized data sharing
Bank-fintech partnerships, third-party oversight, banking as a service (BaaS)
Card payments and digital wallets
Deposits, retail banking, and overdrafts
Healthcare payments and lending

99FT provides empowering advisory services, such as:

Program readiness reviews and enhancement, including compliance assessment and regulatory navigation, market and competitive outlook and strategy, commercial partnerships and growth strategy
New product and capability innovation, development, incubation, and implementation
Helping banks create and execute a cohesive and efficient process for evaluating and overseeing fintech partners to create new/enhanced revenue streams and lines of business or to reduce cost
Helping fintechs find bank partners prepare for and succeed through due diligence and ongoing oversight
PE firm support, including structuring and support of due diligence, expert opinion and outlook, and capability reviews.

Our Results

The team’s projects have been referred to by a blue-chip investment bank and a large private equity firm as “the best startup they’ve ever seen.” And by a leading digital bank as the “most market-ready fintech launch they’ve seen—and in under one year.” It starts with the team—proven, trusted, and all about execution, 99FT is a very different type of partner for companies looking to rapidly build, launch and scale fintech solutions.

Our Projects, Focus, and Results

Notable examples include:

Reimagining business using faster payments

Expanding relationships through new products

Expanding relationships through new products

Expanding relationships through new products

Expanding relationships through new products

Expanding relationships through new products

Monetizing data responsibly

Joining forces for better ecosystems

Joining forces for better ecosystems

Joining forces for better ecosystems

Joining forces for better ecosystems

Joining forces for better ecosystems

99FT Focus Areas

99FT provides empowering advisory services, such as:

Our Results

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