Specialist Remittance Consulting

The remittance transformation programme built by people who’ve done it.

Level 50 is a specialist consultancy that helps banks and financial institutions build, fix and scale their remittance products — using methodologies proven at scale.

Explore the RTP Our Credentials

Why this matters

Banks are losing their remittance businesses to fintechs. Not because they lack customers — because they don’t treat remittance as a product.

Fintechs are winning on price and experience, not customer trust. Banks already have the trust. They’re losing on execution.

Premium customers expect more. Mass market customers are underserved. Both represent significant untapped revenue.

The window to act is now. First movers will set the product standard and make it significantly harder for competitors to displace them.

The RTP

Remittance Transformation Programme — a structured transformation that leaves you with capabilities you own permanently.

The RTP is not a consulting report. It is a modular, end-to-end transformation delivered over six phases — each one leaving your team with tools, models and infrastructure built to last. Everything stays with you.

Precursor

Audit & Diagnostic

Full diagnostic across all dimensions — market, pricing, data, UX, finance and corridors. You cannot fix what you have not measured.

Compliance and regulatory requirements are mapped at the outset — ensuring every module is designed to work within your existing legal and compliance framework, alongside your internal teams.

Data Visibility & Reporting

Give leadership the data visibility needed to properly manage corridors, funnels, compliance reporting and customer performance in real time.

Pricing Engine

Compete on price without fear of margin erosion — dynamic pricing with a built-in margin guardrail across every corridor.

Customer Segmentation

Identify, retain and grow the highest value customers with RFM modelling and a targeted VIP programme.

Product Experience

Optimise onboarding, reduce funnel drop-off and build a best-in-class end-to-end customer journey.

Unit Economics & Finance

Understand true profitability at corridor, segment and business unit level to drive smarter strategic decisions.

Growth & Acquisition

Scale acquisition with proven unit economics, a clear corridor expansion strategy and a data-driven marketing channel playbook.

Why Level 50

Practitioners. Not theorists.

We have built this before

We built Send App — one of Africa's largest remittance products — from zero to over one million users with hundreds of millions in total processed volume. We are not proposing to build something new for you. We are bringing a proven methodology.

Specialist depth

Remittance is our entire focus. Not one service line among many. We know what good looks like because we have delivered it.

Permanent capability

Every module leaves tools, models and infrastructure your team owns and operates independently. You are not dependent on us to maintain them.

Tangible deliverables

No abstract recommendations. Every phase ends with concrete outputs: pricing engines, customer dashboards, segmentation models, growth playbooks.

The Team

Built by people who have been inside the problem.

James Hardy

Founder, Level 50

Lead Practitioner — RTP

Remittance & Fintech Track Record

Built Send App at Flutterwave
Grown from zero to 1M+ users · Hundreds of millions in total processed volume · 18+ competitors tracked · Proven at Flutterwave.
Head of Global Retail & Market Development · Flutterwave
Africa's largest fintech · Led consumer and SME revenues across the continent and globally.
Head of EMEA · Alibaba
Led European, Middle Eastern and African business development and customer acquisition.

Background & Credentials

Co-founded UK's largest China ecommerce exporter. Built Avenue51 — award-winning, high-growth platform for European brands entering mainland China.
Solicitor, MdR & Travers Smith. Commercial law and M&A · Financial services structures and compliance.
MBA, Melbourne Business School.
FT, BBC, Guardian and Huffington Post contributor · International keynote speaker.

Pete Read

Senior Consultant · Level 50

Senior Consultant — RTP

Remittance & Fintech Track Record

Money Transfer Operator advisory in UAE
Advised a leading MTO on the UAE cross-border remittance market, seasonality and bank vs fintech competitive dynamics, with special focus on the India corridor.
Consultant for ACI Worldwide
Several years consulting for ACI Worldwide on digital and real-time payments competitive positioning with banks and PSPs, covering Europe, India and Latam.
Amazon Pay market intelligence
Provided market insight for Amazon Pay on payment methods opportunities across 10+ major global markets in support of their global e-commerce roll-out.

Background & Credentials

Founded boutique consultancy working in 40+ markets. Built Global Growth Markets — an AI-optimised consulting firm delivering locally-sourced market insights, investment advisory and M&A support.
London School of Economics and King's College London. Emerging markets economics.
Spoken in 15 countries. Contributor for Bloomberg, China Daily, CNBC, Management Today.

James and Pete lead the engagement — but they don’t work alone. Behind the programme is a specialist team across data, product, pricing and marketing — deployed as needed at each module stage, bringing deep execution experience alongside the strategic framework.

Contact

Ready to talk?

If you are a bank or financial institution looking to transform your remittance product, we would like to hear from you.

Direct

JamesRHardy@level50.com