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Your partner in the
transforming world of
payments & cards

NEXT STUDIO CONSULTING Get DegeCo About us element4 element5 element6 element25
ABOUT US

We Are Here To Make Your Idea Come to Life

Small, agile consulting company with deep expertise in financial services, particularly payments and cards.

We are a consultancy firm focused on delivering change in the financial services industry with special focus and expertise in payments and cards.

We bring a wealth of knowledge, a track record of success, and a passion for problem-solving to every engagement.

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SERVICES

Our Core Expertise: Payments, Cards & Change Management

Each of our consultants have 10+ years of experience in payments covering every part of the value chain

A2A payments

Expertise in the full spectrum of A2A payments (domestic & international transfers, SEPA schemes and real-time payments). We help clients optimize direct bank transfers for speed, cost efficiency, and enhanced reconciliation.

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Cards

Comprehensive knowledge of the Cards ecosystem (card issuance and merchant acquiring, payment network processing, fraud prevention and chargeback management, interchange optimization) for "A", "B" and local schemes as well.

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Alternative Payment Methods

Specialization in a wide array of APMs (digital wallets - Apple Pay, Google Pay, etc., the fast growing Buy Now Pay Later, innovative Open Banking-driven solutions and country-specific and local payment methods)

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Value added services in Payments

Value Added Services enhancing the payment experience (advanced fraud detection and prevention, secure tokenization and payment analytics, dynamic currency conversion, merchant financing and embedded insurance)

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Change Management

Experience with successful delivery of lasting changes (launching new products and services, establishing new PSPs, migration of client portfolios from legacy platforms to target, launching the acceptance of new payments schemes)

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OUR EDGE

Why Choose Us?

Our team has a deep understanding of financial services, with a proven track record of delivering results. We know that every company is unique. That’s why create customized strategies to address your specific needs.

Agility & Personal Approach

Unlike larger firms, we provide personalized attention with dedicated consultants who know your project inside out.

Hands-on Implementation

We don't just provide recommendations - we roll up our sleeves and deliver tangible results through execution

Focus on Results

Proven track record of delivering project targets, most importantly reaching financial goals (increased revenues, cost savings).

Payments Specialization

Deep expertise in payments and cards ecosystem, not general financial consulting.

OUR SUCCESS STORIES

Case studies

Take a closer look at our past projects.

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TESTIMONIALS

Customers Feedback

See what our clients say about us!

OUR INSIGHTS

Blog

Read our industry insights

  • 2 February 2026

The Era of Accountability: Why NIS2 Is the New GDPR for Cybersecurity

  • 4 January 2026

Quo vadis, PCI Standards Landscape: A Focus on Payment Security

  • 13 December 2025

The EU Digital Identity Wallet: A Revolution in Your Pocket

OUR TOP EXPERTS

We are ready to turn your idea into reality!

Ottó Paulovics

Milan Žáček

Our Partners and Clients