Unlocking Payment Potential

Expert advisory services and innovative solutions for financial institutions and businesses seeking to optimize transactions, expand globally, and drive growth

Empowering Payments, FinTech, and Transaction Banking Success

Welcome to D28 Finance, the premier payment and fintech advisory boutique. We are dedicated to delivering exceptional results to our discerning clients, while our unique approach involves tackling each project individually, with a laser-like focus on quality, speed, and value. This means you can expect high-caliber content, expertly curated from the most relevant sources, delivered promptly and at a competitive price.

As seasoned experts in the payments and fintech industries, with international experiences spanning across leading global consulting firms, world-renowned banks, as well as fintech companies, we have developed a deep understanding of the Croatian and pan-European payment market and its regulatory landscape, which enables us to provide solutions that are tailored to the specific needs of our clients. It is our privilege to bring our expertise to your project, ensuring that your goals are met with exceptional quality, dedication, and a commitment to excellence.

Approach

Personalized and Consultative Approach

At D28, we carefully listen to our client's needs and craft tailored recommendations that address the unique needs and goals of each client, combining our local and European payment infrastructure knowledge, competitive pricing, and strong references and experiences to deliver exceptional value to our clients, with a personal touch.

Innovative
Problem-Solving

We focus on providing innovative solutions to our clients' payment and fintech challenges, creating multi-staged consultative workshops and collaborating with clients to develop custom, industry-specific solutions that address their pain points, leveraging our deep understanding of the payment and fintech market landscape.

Strong Network and Partnership

As a cornerstone of every success, building a network of strategic partnerships with key stakeholders, including PSP's, banks, government bodies, expert networks, and various other service providers, enables us to stay ahead of industry developments and best practices, ultimately delivering more comprehensive solutions to our clients.

Continuous
Improvement

We continuously monitor our services, gather feedback, and invest in ongoing education to stay ahead of the curve. Our competitive pricing structures and collaborative approach ensure that we deliver tailored solutions that meet your unique goals, depending on the development stage of your company and any priority concerns.

What we offer

D28 Finance offers a range of transaction banking, payment and fintech advisory services, including payment strategy development, market entry and growth strategies, regulatory advisory, product innovation, and training and education, designed to help clients streamline their operations, reduce costs, and maximize their growth potential.

Payment Strategy Development

Our payment strategy development service helps clients assess, benchmark and design effective payment solutions and business models that align with their wider business goals. We conduct thorough market research and analysis to identify the best payment options for our clients.

Market Entry and Growth Strategies

We provide market entry and growth strategies for clients looking to expand their business into new markets or increase their revenue. Our expertise in local and European payment infrastructure enables us to develop customized strategies that meet our clients' unique needs.

Regulatory Advisory

Our regulatory advisory service ensures that our clients' payment solutions comply with all relevant, current and upcoming regulations and laws. We stay up-to-date with the latest regulatory changes and provide guidance on how to comply with these requirements, ensuring that our clients' businesses remain compliant and secure.

*such advisory does not constitute a legal opinion; external legal opinion should be pursued

Product Innovation

We help clients stay ahead of the curve by introducing innovative payment solutions and models that enhance customer experience, optimize costs, and increase revenue, by collaborating with clients to put to market cutting-edge products that meet evolving business needs.

Training and Education

We offer training and educational services to help clients effectively develop further their payment stack. Via our expertise we provide comprehensive training sessions, and we are available anytime to address any questions or concerns our clients may have.

Results

Visionary results require more than a fleeting splash of attention or a one-off media push. At D28 Finance, we craft long-term, adaptive strategies that generate sustained momentum and lasting impact, as we empower clients to drive meaningful growth and innovation in the transaction banking, payment, and FinTech landscape.

Founding of D28 Finance in Split, Croatia

D28 Finance was founded in Split, Croatia, with a mission to revolutionize the payments and fintech landscape by providing exceptional advisory services to our clients. Our company is built on a foundation of innovation, transparency, and customer empowerment, with a commitment to delivering high-quality solutions that meet the unique needs of our clients. Established in Split, Croatia, we are well-positioned to leverage our expertise in the fintech industry and provide cutting-edge solutions to our clients primarily in Croatia and the EEA region.

Delivered risk management strategy and framework for a Swedish FinTech startup - Cirkly

As a first cliet case D28 has delivered a comprehensive risk management strategy and framework for Cirkly, where we have identified potential risks associated with the client's unique business model, including financial, operational, and governance risks, and proposed tailored risk mitigation options to address these key concerns. This project further solidified our reputation as a trusted advisor in the fintech industry, enabling us to continue providing exceptional services to clients across Europe.

Creating a digital footprint with Digisence and Start Digital

We formed a strategic partnership with Digisence to create a digital footprint, leveraging Digisence's expertise in digital marketing and technology to enhance our brand recognition and reputation in the payment and fintech industry.
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Separately, we partnered up with Start Digital agency, enabling us to form a fully rounded visual identity in order to amplify our online presence and increase our visibility further in the digital space.

Identification of a new payment processor for the multinational digital marketing agency

D28 recently partnered with a fast-growing French-American B2B digital marketing agency focused on helping SMEs, particularly restaurants, enhance their online presence and drive sales. The client sought a new payment service provider for monthly subscription payments in the EU and the US.
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We successfully identified a suitable provider and supported the client through the onboarding and implementation process. This engagement further solidified our reputation as a trusted partner in delivering tailored payment solutions for our clients.

International Money Transfer (IMT) competitor benchmarking analysis for
Australian IMT provider

D28 Finance has successfully completed a project for a fast-growing international money transfer (IMT) platform based out of Australia.

Our team conducted a comprehensive competitor benchmarking analysis, focusing on prominent money transfer services like Remitly, WorldRemit, XE, Wise, and others.

Through this project, we delivered valuable insights that will enable our client to enhance its service offerings, maintain competitive pricing, and continue to support their mission of empowering individuals to easily transfer funds to their families.

AML & CFT compliance and non financial risk management program development for the crypto exchange in stealth mode, registered in Panama

Client – an innovative crypto exchange start-up, registered in Panama, offering various products and services, including traditional and P2P exchange, crypto loans, and crypto deposits – has selected D28 Finance as an ideal partner to support them refine and enhance compliance measures to align with international regulatory standards, streamline customer verification process, and offer preliminary evaluation of the work involved, along with the associated costs, for implementing or improving the full AML framework.

D28 Finance partners with ShuftiPro to enhance identity verification solutions

We are thrilled to announce our new partnership with ShuftiPro, a leading UK- based identity verification service provider renowned for its KYC, KYB, and AML
services.

This collaboration marks a significant step in our commitment to helping global businesses effectively onboard and manage customer risks. By working
closely with ShuftiPro, we aim to bring their state-of-the-art innovative solutions closer to our clients, enhancing the non-financial risk management landscape.

We look forward to a fruitful partnership that drives value for our clients.

Want to solve problems and grow together?

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D28 Finance, obrt za usluge || Vlasnik i osnivač: Davor Žilić || Brnik 23, 21000 Split, Hrvatska || OIB: 20381943889 || MBO: 98821601 || IBAN i banka: LT203250023253496690, Revolut Bank UAB ||