Driving Growth for your business
At SH45 Strategic Consulting, we partner with businesses to achieve ambitious growth and profitability goals. Whether you're scaling a startup or expanding an established organization, our specialized expertise delivers measurable results
Whole of business approach
Whilst much of our history has been with financial services businesses our proven approach to value creation is applicable to organizations in all business sectors
Strategy Development
Our end-to-end consultative approach creates tailored strategies through to go-to-market approaches that address your unique challenges and opportunities. Our diagnostic approach starts with understanding the market you are in and the competitive forces at play, identifying how you are best placed to win
Revenue Optimization
Our experts conduct thorough business model reviews and identify levers for growth as well as new market opportunities to maximize your revenue potential
Expense Reduction
We meticulously analyze your Cost of Goods Sold and operating expenses to identify efficiency opportunities to improve your bottom line
Payments & Cards Specialization
Our experts have sat on both sides of the fence, working for both schemes and issuers / acquirers (open and closed loop). Our experience can give you greater control and confidence for the high-value decisions that will dictate your success
- Scheme fee and commercial agreement negotiation (Visa & Mastercard)
- Comprehensive scheme licensing support
- Card issuing program development
- New card program creation
- Co-brands program creation
- Merchant-side support
- Card acceptance establishment
- Pricing optimization
- Co-brand program participation
- Regulator engagement
Who We Serve
FinTech
We help ambitious fintech companies navigate regulatory challenges, optimize business models, and accelerate growth in competitive markets
a. Payment tech
b. Lending and BNPL
Banks and Financial Services
Our consulting services enable banks and financial services organizations to innovate, reduce costs, and develop competitive strategies in an increasingly digital marketplace
a. Retail Banks
b. Cooperatives
c. Payment Processors
Commerce
We partner with a variety of organizations to identify new opportunities, optimize operations, and drive sustainable growth
a. Retail
b. Travel & Hospitality
c. B2B Corporations
d. TV & Film production
Global Reach, Asia Pacific Focus
While our expertise and partner consulting network extend globally, SH45 Strategic Consulting maintains a dedicated focus on the dynamic Asia Pacific region. Our deep understanding of local markets, regulatory environments, and cultural nuances enables us to provide highly effective consulting services across this diverse region.
In our experience, the key trends of active regulators, rapid digitization, and growing affluence, are consistent across Asia Pacific markets. However, how these factors play out at an individual market level are different and nuanced.
This is where our market-experienced expertise can help you cut through and win
Local Market Knowledge
Our consultants bring extensive experience working with financial institutions throughout Asia Pacific, understanding the unique challenges and opportunities in each market
New Market Expansion
We excel at helping financial services businesses expand across borders within the Asia Pacific region, navigating complex regulatory landscapes
Thought Leadership
AI's Impact on the Payments Industry
Artificial Intelligence (AI) is a highly discussed topic spanning most industries. Despite its widespread popularity as a topic, all of us are still learning what it means, what the applications are, and what the implications of it may be.
This publication delves into AI's influence on the entire payments ecosystem, shedding light on crucial factors organizations and leaders must contemplate when venturing into AI utilization.
This publication delves into AI's influence on the entire payments ecosystem, shedding light on crucial factors organizations and leaders must contemplate when venturing into AI utilization.
NZ Retail Payments Regulation
Commerce and Consumer Affairs Minister, Scott Simpson, announced on July 28 that New Zealand will ban surcharging on domestic card present transactions from May 2026.
This was an obvious gap in the changes communicated by the NZ Commerce Commission in their announcement earlier in July. The NZ Commerce Commission chose to further reduce consumer credit interchange effective 1 December 2025 but took no action on surcharging.
This was an obvious gap in the changes communicated by the NZ Commerce Commission in their announcement earlier in July. The NZ Commerce Commission chose to further reduce consumer credit interchange effective 1 December 2025 but took no action on surcharging.
Well done Minister for solving a massive consumer pain point
Thought Leadership
Consumer Co-brand programs
Consumer co-brand card programs remain incredibly important to issuers, especially banks, as a key hook to access high value customers.
However, challenging economics and changing consumer behaviors require issuers to continually challenge their programs.
Co-brands that embed AI throughout the lifecycle — from acquisition to rewards to retention — will be best positioned to deepen loyalty and maximize profitability
However, challenging economics and changing consumer behaviors require issuers to continually challenge their programs.
Co-brands that embed AI throughout the lifecycle — from acquisition to rewards to retention — will be best positioned to deepen loyalty and maximize profitability
The Global B2B Payments Market
Estimates of the size of the B2B payments market vary widely, but there is broad agreement on the potential to deliver improved speed, efficiency, and a better user experience.
Asia Pacific leads the way with active regulators and a digital-first mindset.
Reducing friction, lowering cost, and accelerating time to settlement are critical to winning B2B flows
Asia Pacific leads the way with active regulators and a digital-first mindset.
Reducing friction, lowering cost, and accelerating time to settlement are critical to winning B2B flows
Proven Results
Strategy Transformation & Profitability Improvement
Comprehensive strategy development to transform a Vietnamese fintech into a specialized SME digital bank, plus near-term revenue and expense improvements through strategic contract re-negotiation and re-pricing
New Market Segments
Refreshed go-to-market approach for a regional New Zealand bank, including targeting new consumer and business segments
Investor Pitch Development
Strategic collaboration with two award-winning New Zealand TV and film directors on a multi-million dollar film production company investor pitch document
Learn more about our founder and partner network
Peter Chisnall - Founder With a career spanning New Zealand, Australia, and Singapore, Peter brings a proven track record of driving growth, scaling, and leading businesses across diverse sectors, including financial services, technology, and oil. His expertise on leadership teams across all three countries encompasses full sales cycle management— spanning business development, relationship management, and sales across B2C, B2B, and B2G channels.His extensive career began with a foundation in finance before transitioning into leadership roles in sales, marketing, customer service, and product management Partner Consulting Network Our partner network includes individuals with deep expertise in payments and consulting. Their experiences across Asia Pacific and the US complement the value add provided by sh45 to deliver a comprehensive set of skills to drive your business forward APACPayments.io Strategic consulting tailored for SaaS, Fintech & PayFacs conquering APAC's diverse payment ecosystems
Ready to Transform Your Business?
Take the first step toward achieving your growth and profitability goals. Our team is ready to discuss your unique challenges and develop a tailored approach that delivers measurable results
Let's discuss how SH45 Strategic Consulting can help your business reach its full potential. Our initial consultation will identify key opportunities for improvement and growth
Email: contactus@sh45.co.nz
To make contact immediately, message our founder, Peter Chisnall, on WhatsApp
Follow our founder on LinkedIn to learn more about the global payments industry
