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OP Pohjola – Acquirer Strategy

OP-Pohjola Group, the leading financial services group in Finland, use Savantor’s industry expertise to guide their strategic positioning within a changing acquiring mark

The Scandinavian acquiring market has been undergoing significant change as domestic processors evolve and international players seek increased market share.

Finland is a prime example and OP-Pohjola Group was amongst the first to recognise and respond to this situation.

In common with other banks, change and complexity on this scale is an infrequent event and Nordea did not have sufficient relevant experience in-house.

With the market moving from domestic debit cards to SEPA-compliant scheme branded cards, and acquiring previously being centrally processed, OP-Pohjola decided to investigate the alternatives for taking a more active role in acquiring.

Savantor’s team undertook the following:

  • Reviewed the bank’s current acquirer strategy and gained a better understanding of overall progress, strength and weakness.
  • Advised the bank on the European market dynamics, the future business opportunities and the overall economics of the acquiring business.
  • Guided the development of an acquirer value chain that focused the proposed acquiring services in line with the group’s co-operative structure.
  • Constructed an initial operating model to support the acquirer strategy.
  • Positioned the bank to adopt an acquirer strategy appropriate to their market.

Rod Nixon, Managing Director of Savantor International, believes that our independent advice has enabled the bank to move forward confidently to realise their strategy.

"Many banks are facing similar dilemmas as the European acquiring market evolves. It was the right time for OP-Pohjola to take this major step forward in their future market positioning."

Features of this assignment:

  • European acquiring market education and strategic guidance for addressing local and cross-border evolution.
  • Strategic positioning to profitably secure and grow acquiring footprint following the demise of the local debit card scheme.
  • Acquirer operational model and best practices.
  • Acquirer solution sourcing options and viable market approaches.
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Client Quotes

Acquirer Risk Assessment

"The expertise provided by Savantor has greatly helped us evaluate our risk position and to take the right steps in managing our future risks. Strong, disciplined planning and an ongoing willingness to work closely with our staff played an enormous part in making this a very successful well-delivered project which will greatly help us in achieving our business goals."

Mark Healy, Chief Risk Officer - NEOVIA Financial - UK

Payments Workshop Material

"Savantor helped ACI build a payments onboarding workshop for new technical staff in ACI EMEA. Their extensive experience took our outline and built a great starting presentation of industry facts that we have now customised further into a half day session that is used for all new joiners. Our Americas and APAC regions have also taken the material and customised it for their regions. A great job by Savantor has meant new joiners to ACI hit the ground running."

Richard Sanders, Principal Solution Consultant - ACI - Worldwide EMEA

Business and Platform Strategy

"Savantor successfully advised Rabobank during preparing of the platform migration for cards. Savantor demonstrated thorough knowledge of business processes and market players combined with a practical approach."

Evert Fekkes, Business Information Manager - Rabobank - Nederland

Platform Selection

"Savantor's support in our platform selection process has enabled us to sustain our profitability and positioning for the future. Their advice and guidance was essential to our decision-making."

Robert Lambert, Head of Cards Strategy - Permanent tsb bank - Ireland

Complex Multi-Country Migration

"This complex migration, undertaken simultaneously in Spain and Portugal, has been a complete success. Savantor has provided us with excellent support for over 3 years, both in the original business transformation programme and now this double migration. We value their open and honest approach to business, and of course the expertise that they bring."

Ricardo Gomez, Director, Operations & Technology - WiZink Bank – Spain & Portugal

New Fuel Card Guidelines

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Marie Costers, General Manager - Clear2Pay Open Test Solutions

Expert Witness

"After searching extensively for the required industry expert in a complex litigation, Savantor was identified to have the necessary industry knowledge and expertise on a range of complex issues. Savantor provided clear advice and was able to quickly hone in on the key issues, but most importantly, generating pragmatic winnable answers."

Gavin Ingram, General Counsel & VP Strategic Planning - Global Blue - Asia Pacific

Moneris Solutions

"Savantor did an outstanding job of the review and I received nothing but positive feedback on the interaction with our management team."

Jeff Guthri, COO - Moneris Solutions - Canada

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