Case
Pitchdeck and Market Research for a FinTech Startup
Every year, more than €150 billion flows across European borders – not from banks or governments, but from people. Migrant workers, digital nomads, small businesses, and freelancers move money home, pay invoices abroad, and send support across continents. This isn’t just economic activity—it’s lifeblood.
Yet behind those billions lies an industry still clogged with legacy systems, steep fees, and opaque processes. The digital remittance space is buzzing with innovation, but real disruption requires more than a slick app. It demands precision research, a sharp story, and the ability to earn trust across cultures and regulators.
10 days
Market data aggregation
14 days
Pitchdeck readiness
+1
Happy client
Project brief
UpMoney set out to enter the competitive European remittance and B2B transactions market with a product vision combining Wise-style simplicity, a unique SNPL feature, and a B2B transaction platform for third parties.
That’s where Blank stepped in. We partnered with UpMoney, a seed-stage startup with big ambitions to simplify remittances and cross-boarder transactions across the EU. From in-depth market mapping to a pitch deck built to raise eyebrows – and capital – we helped shape the narrative and strategy of a fintech aiming to make cross-border payments as easy as sending a text.
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What we did:
Our process ensures a structured, transparent, and collaborative approach, allowing us to deliver high-quality solutions that meet your business objectives.
Content & Insights
// Where Payments Break, Opportunity Begins
Each year, more than €5 trillion flows across EU borders in trade, yet for small and medium-sized businesses, making a simple cross-border payment can still feel like navigating an obstacle course. High fees, opaque currency conversions, and reliance on physical bank branches remain surprisingly common. In fact, SMEs represent a growing share of cross-border traffic—20% as of late 2023—but are still underserved by legacy infrastructure.
UpMoney saw the inefficiency as a business opportunity: to build a digital-first platform that merges remittance-like simplicity with enterprise-grade B2B functionality. Features like multi-currency IBANs, SEPA direct debits, e-invoicing, and a Send Now, Pay Later (SNPL) option became central to the product vision. The target? European SMEs and freelancers ready to expand beyond borders—but held back by outdated systems.
// Global Shifts, Local Strategies
Our research revealed a fast-evolving payment landscape. While traditional corridors like the U.S. and China still dominate in volume (e.g., €848B with the U.S. in 2023), new corridors are heating up: trade with the UAE, Saudi Arabia, India, and Nigeria is growing rapidly, driven by energy flows, services exports, and diaspora ties.
Beyond the corridors, we mapped the market structure. B2B payments account for over 90% of global cross-border volume, totaling an estimated $183.5 trillion, while personal remittances (P2P) account for less than $2 trillion. Yet on a per-transaction basis, P2P still dominates by frequency—an insight that helped define UpMoney’s hybrid positioning between the two worlds.
We also evaluated infrastructure. SEPA has become dominant within the eurozone, while SWIFT still underpins most extra-EU flows. But fintech challengers are gaining ground. As of 2024, non-bank providers already control 12–17% of the global market, offering faster, cheaper, and more transparent solutions. Players like Wise, Payoneer, Ebury, and Airwallex are leading—but few are laser-focused on SMEs or B2B freelancer workflows. That’s where UpMoney can differentiate.
// Turning Research Into a Roadmap
We turned this research into a concrete strategy. First, we benchmarked cost structures: while banks charge ~1.5% on B2B payments, some remittance corridors still carry fees above 6.3%. Then, we layered in the subscription-based model tied to real usage: how many accounts, cards, and transfers users would need per month—and how to make that scalable.
We helped shape a go-to-market playbook targeting underserved corridors, and a tiered product offer that supports both self-employed freelancers and SME finance teams. The pitchdeck we developed didn't just tell UpMoney’s story—it proved it with data, maps, and a clear picture of the evolving cross-border economy.
How to start working with us:
01 01
Submit
our contact form with details about your business, followed by an introductory meeting to address any questions and handle essential paperwork.
02 02
Provide
necessary documents such as technical descriptions, marketing reports, and financial models, tailored to your business's maturity and industry.
03 03
Receive
a draft of the pitch deck for review and refinement, culminating in a final, polished presentation that enhances your brand identity.