Accendo Associates | For Companies
Stronger Companies.Digital First, Then AI.
We work inside banks, microfinance institutions, fintechs, agri and supply chain platforms and the operating businesses around them, on the transformation their investors and boards are asking them to deliver.
Solving Your Problem.
Clear on Digital, Unclear on AI. We Work on Both.
Two kinds of company come to us, usually through an introduction from an investor, a shareholder or a board member. Financial service providers, meaning banks, microfinance institutions and fintechs. And the enterprises and platforms that run agricultural and supply chain value chains. The work sits in three sectors: Financial Resilience | Climate Resilience | Food Systems Resilience.
Financial Service Providers
Digital Transformation
Channels, core systems and the operating model around them, sequenced so that each step covers the cost of the next.
AI Adoption
Use cases chosen for return rather than novelty, from credit and collections to customer service, with the data and governance that make them safe to run.
Customer Engagement and Risk
Digital products, pricing and collections that hold up when a customer or a portfolio comes under stress.
Enterprises and Platforms
Growth Strategy
Where the next stage of revenue comes from, and what the technology has to do to get there.
Technology and Data Choices
Build, buy or configure decisions, and the data systems that turn daily operations into decisions.
Responsible Implementation
Delivery that lands inside the organization, with the governance, skills and change management to keep it running after we leave.
Our Proposition to You.
Four Offers, Each Starting From the Business Case.
Digital Transformation
Strategy through to execution. We assess the current systems and channels, build a roadmap sequenced by business case, and oversee delivery through to adoption. Cybersecurity, regulatory compliance and infrastructure needs are part of the scope, not an afterthought.
New Digital Product Design
From concept to a tested product with a business plan behind it. Customer research, prototype, pilot, unit economics and the launch plan, so the board approves a product that has already met its customers.
AI Adoption
An AI strategy tied to the business case, the first use cases put into production, data readiness, and the policies and governance to use AI responsibly. We build the team’s capability alongside, so the work continues in-house.
AI-Driven Marketing
Customer acquisition and engagement run with AI across segmentation, content, campaigns and analytics. The measure is cost per customer acquired and retained, not volume of output. The practice is led by Shriti Shrivastava.
The Operating Track Record Is What Companies Buy.
Our Principals Have Run These Businesses.
We have built and run digital businesses, not only advised on them. That record sits with our principals and it is what a company is buying when it engages us.
One of Nigeria’s first shared agent banking networks, BeyondBranches, built from 2013 and acquired by Interswitch in 2015.
A global digital transformation advisory practice, built and delivered at Accion International between 2015 and 2023 for banks, microfinance institutions and fintechs.
The emerging markets business for mobile banking and payments at Monitise plc, created and led from 2006 to 2012.
The same principals sit on the board of a microfinance institution today and chair its digital committee, so the advice is tested against the questions a board actually asks.
Most Engagements Start With an Introduction
and a Call.
The Introduction
Most companies reach us through an investor, a shareholder or a board member who has seen the work. If that is how you found this page, say so when you write.
The First Conversation
We start with what your investor or board is asking you to prove, and with what the business needs to earn from digital and AI in the next 12 to 24 months.
A Scoped First Piece
A short engagement with a defined output, whether an assessment, a roadmap or a product concept. A longer program follows only if the first piece earns it.
Tell us where the business is and who introduced you. We will come back with a view on where to start.