CleverAdvice is an independent, highly focused professional services firm specializing in corporate strategy, investment advisory, business planning and due diligence-related activities. We provide strategic direction and investment counsel based on analysis of evolving markets, competitive dynamics, changing technologies and regulatory shifts

1. Company Profile
Project management

2. CleverAdvice is an independent professional services firm focused on the payment industry. We
specialize in strategic advisory, market analysis and research, business planning,
due diligence-related activities and regulatory issues.
CleverAdvice provides strategic direction and marketing counsel based on analysis of evolving
markets, competitive dynamics, changing technologies and regulatory shifts to payment service
providers, e-money institutions, issuers and
acquirers, processors, and private equity funds.
We do not sell any third party services, hardware,
software nor take commissions and as such provide
truly independent advice.
CleverAdvice operates through twelve associate
consultants with ability to conduct international
engagements in a number of languages including
English, Italian, French, German and Spanish.
In-depth analysis to
assess and identify
benefits and feasibility
of strategic options
Strategy Market Research Mktg & Communication Project Management
Analysis of preferences,
needs and purchasing
patterns of target
customers on product
and services features
Marketing plans that
combine promotion,
distribution, product
positioning and
development
Methodological and
organizational support to
co-ordinate project roll-
out and change
management initiatives
About us
CleverAdvice is an active member of the European Payments
Consulting Association a pan European association of
advisory services firms registered as an official European
Economic Interest Grouping (EEIG)
CleverAdvice
is a knowledge catalyst
We foster innovative thinking
and challenge mainstream assumptions
aimed at ensuring that our clients stay
one step ahead of the competition
Code of ethics
Our professionals share and act according to the code of ethics of the International Council of
Management Consulting Institutes.
During the execution of an engagement, in addition to specific skills, we ensure fairness and
confidentiality along with independence of thought.
Ad-hoc business advisory Passion for our work Clear vision & direction
Services
We strongly believe that hands-on experience is paramount in providing effective advice; as such
all our consultants have actively supported management during the implementation phases.
We serve just a limited number of clients at any one time to dedicate an adequate amount of
resources to each project aimed at successfully achieve client objectives.

3. CleverAdvice professionals are active members of ESOMAR
World Association for market, social and opinion research,
the leading organization for encouraging, advancing and
elevating market research worldwide
Business Planning Innovation Due Diligence and M&A Regulatory issues
Create financial models
and operational tools to
assess business options
under different scenarios
and market conditions
Develop innovative
solutions that combine
vision, customer
experience and actionable
recommendations
Analysis of target
markets and assess
players to identify M&A
targets and/or potential
counterparts
Assess impact of
regulations on market
demand and advice on
compliance issues
Areas of expertise
 Advanced payments solutions (Contactless, m-payments, mPOS)
 European an local regulations (PSD2, EMD2, AML, IFR …)
 Market and competitive research, surveys & analysis
 Incentive strategy and customer retention schemes
 Cardholder profiling and market positioning
 Consumer and Commercial payment cards
 Marketing & Communication strategy
 Business &Technical due diligence
 Vendor evaluation and selection
 Prepaid, debit and credit cards
 Sales & Acquisition strategy
 Business case development
 Proposition development
 Functional requirements
 Commercial Payments
 Portfolio management
 Access to the Account
 Project Management
 Product positioning
 Financial modelling
 Portfolio migration
 Feasibility studies
 eCommerce
 Training
Thinking out-of-the-boxFlexibility In-depth analysis
Engagements mix
Card issuing (Prepaid, Debit, Credit)
Commercial payments &
Current accounts
Acquiring & ATMs
M&A and Due
Diligence
Regulations (SEPA,
PSD, EMD, AML, IFR, …)
Innovation, eCommerce,
eMoney, mCommerce, Loyalty, mPayments

4. CleverAdvice
Via Ferrante Aporti 34
20125 Milano, Italy
T +39 02 39660672
F +39 02 2870768
e postmaster@cleveradvice.eu
w cleveradvice.eu
Results not Reports