Banking + Technology Consulting
Advocating for community banks and entrepreneurs since 2001.
Headquartered in Austin, TX with a satellite office in Washington, D.C., Allan Rayson represents clients on and between coasts. Our firm specializes in consulting services for banking, fintech, and the regulatory, technology and venture capital framework, from which the banking and fintech industries operate.
Whether you’re a community bank executive or director, fintech founder, regulatory executive, or venture capital investor, we will not only protect what you create, but we’ll also help it thrive in the world. We bring extensive experience and professionalism to every engagement and customize our support to your individual needs and concerns.
Contact Us
Austin Office
1214 Pasadena Dr., Unit #2
Austin, TX 78757
email: allan@finov8r.com
mobile (512) 221-8006
Areas of Focus
Banking Advisory
In the dynamic and highly regulated banking sector, community and regional banks find themselves at a crossroads. Navigating the complexities of regulation, the shift towards digital transformation, and the competitive pressures from fintech companies and non-bank lenders presents a unique set of challenges. These institutions often grapple with technological constraints and rely on external innovation, which can create a disconnect with their clientele.
In an era where technology and innovation are paramount, Allan stands out for his ability to bridge the gap between traditional banking practices and the digital future. His strategic vision is complemented by a hands-on approach, guiding banks through the intricate process of digital transformation while ensuring compliance with the stringent regulatory framework that governs the industry.
Allan's expertise extends beyond lending; he has been instrumental in crafting specialty deposit funding strategies aimed at bolstering the liabilities side of bank balance sheets. His holistic approach encompasses not just the financial aspects but also the technological underpinnings necessary for sustainable growth. Allan has a proven track record of developing and implementing comprehensive strategies that include cutting-edge technology stacks, sales methodologies, and go-to-market strategies.
Fintech Advisory
Fintech companies are revolutionizing the landscape of financial services, providing innovative solutions to both individual consumers and the business sector. Historically, the fintech industry has predominantly catered to the consumer market, driving significant advancements in personal finance management, mobile banking, and peer-to-peer payment systems. However, we are now witnessing a dynamic shift, with the industry extending its disruptive influence into the commercial sphere. This transition is characterized by the development of sophisticated platforms and tools tailored for businesses, offering enhanced efficiency, scalability, and security in financial operations.
Allan has been at the forefront of this fintech evolution, a seasoned expert with a rich background in steering fintech organizations towards success. Allan's consultancy prowess is underscored by his instrumental role in advising key players in the fintech sector, such as Inbanx, Able, and LendingHat. His advisory work primarily focuses on pivotal areas like product innovation and effective go-to-market strategies, ensuring that these companies not only develop cutting-edge financial products but also achieve optimal market penetration and user adoption.
In addition to his advisory accomplishments, Allan brings a unique perspective from his entrepreneurial journey as the founder of a fintech startup in the payments space. This experience has endowed Allan with an intimate understanding of the challenges and opportunities within the fintech ecosystem, from conceptualizing and developing financial solutions to navigating the complex regulatory landscape and competitive market dynamics.
By leveraging Allan's comprehensive expertise, fintech firms can gain valuable insights and strategic guidance to navigate the evolving financial services landscape, drive product excellence, and achieve sustainable growth in both consumer and commercial markets.
Venture Capital Advisory
The firm focuses on venture capital firms and funds by providing subject matter expertise as it relates to selling fintech and banktech technology products to banks. In addition, the firm has expertise in advising on implementations as it relates to complexities of implementing a fintech’s product inside a banks infrastructure in a safe and compliant manner. Our core competency lies in advising venture firms and guiding fintech and banktech entities through the intricacies of selling their technology products to banks. We understand the nuances of the banking sector's needs and regulatory demands, enabling us to tailor your innovations for seamless integration and acceptance.
In the dynamic and tightly regulated landscape of banking and fintech, the paramount importance of safeguarding consumer and business interests cannot be overstated. This sector, characterized by its intricate regulatory frameworks, necessitates vigilant adherence to standards designed to ensure the utmost in financial security and integrity. For entities operating within this sphere, establishing robust connections with regulatory agencies, key lawmakers, and influential policy shapers in the heart of Washington, D.C., is not merely beneficial—it is imperative. Such strategic alliances are instrumental in navigating the complex regulatory environment, enabling businesses to remain compliant, forward-thinking, and responsive to evolving legislative trends. This proactive engagement with the regulatory ecosystem not only fortifies an organization's standing in the financial sector but also underscores its commitment to upholding the highest standards of consumer protection and ethical practice.
Regulatory and Supervisory (Advisory Network Partner)
HR & Organizational Design (Advisory Network Partner)
The firm is optimized to provide deep expertise in structuring high-performance teams and crafting full-time equivalent (FTE) strategies, enabling businesses to excel in their strategic endeavors. Leveraging Allan's expansive advisory network, the firm offers tailored human capital strategies and organizational design solutions, proven effective across various sectors including banking, product development, and technology. Our approach is centered on understanding unique business needs, thereby delivering bespoke strategies that drive success and foster innovation in a rapidly evolving corporate landscape.
Technology Development (Advisory Network Partner)
In the rapidly evolving landscape of banking and fintech, staying ahead with cutting-edge software solutions is more crucial than ever. Our consultancy specializes in bespoke software development services meticulously crafted for the unique needs of banks and fintech organizations. We understand the intricacies of the financial sector and are dedicated to delivering excellence in every aspect of software development. Includes product design, MVP development, custom software development, software architecture audit, project takeovers, mobile app development, web app development and fractional CTO.
“He is always challenging us to think outside the box and think about future trends, our expectations of our clients today and what they will be in the future.” from American Banker, June 2022
– Burt Hicks, President and Chief Strategy and Growth Officer, Encore Bank
Get in Touch
Let’s be in touch to discuss specific challenges and opportunities you have as a bank, fintech or venture investor. Reach out via email, cell or social media.