The Initiatives Group

Thought Leaders in Payments

Payment strategies that deliver results


We help participants across the payments sector to generate more value from their markets and customers.

The consulting team at The Initiatives Group has advised participants in the payments market since the 1990’s - including issuers, acquirers, third-party processors, technology providers and associations.  We help solve many of the financial industry’s most significant issues, such as payments strategies, customer profitability and retention, credit and fraud risk, leveraging new technologies, and assessing new market and product opportunities. 


Contact Us


Level 4, 151 Castlereagh St
Sydney NSW 2000 Australia
Office hours: 9am - 5pm


+61 2 8035 8413


Our services


Our clients know that managing a portfolio of payment accounts “on the average” is significantly sub-optimal, and that segmentation is key -  ideally down to “the segment of one”.  Our “Slice & Dice” analytical technique for handling large transactional databases has been proven over many years to identify key profit improvement opportunities -  different people have different payment behaviours, which result in different profit outcomes.  


Credit cards and loyalty programmes have become steadily more intertwined since the mid-1990’s, and the team at The Initiatives Group has been heavily involved in many of the prominent Australian loyalty schemes.  Our clients have included airlines, merchants, card issuers and programme operators.


New product development could be a new format of credit card or a completely new way to pay or a new country market for your company. The Initiatives Group team brings both insights and experience and has been involved in the successful development and deployment of new product projects across a wide spectrum. 


The risks in payments seem to be forever increasing in both variety and complexity, and those intent on fraud, be it cyber or physical in form, continue to grow in the sophistication of their approaches.  Indeed, the easier you make it for customers to pay, potentially the easier it is for fraudsters to succeed, so robust mitigation is needed. Similarly, credit providers want to be both faster and more assiduous in their decisioning, which are often conflicting objectives.  


Speed and efficiency are watchwords of the era, hence improving processes to reduce time and cost has become a key thrust inside Financial Institutions. The Initiatives Group has been involved in bringing “cut-through” and solving challenges in many assignments focussed on these issues.


Bringing multiple workstreams together requires experience in the development of an overall business strategy, be that across all payments streams or just one particular product. The Initiatives Group has developed payments strategies and functionality roadmaps for banks and for merchants, and has undertaken numerous market entry / market assessments across Asia-Pacific. 


Let's talk

We are happy to answer any of your questions. Please use the form below to make an enquiry, and we will get back to you promptly. 

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