Banking services

Strengthening banks through strategy, competitive intelligence and business-model transformation

Krutham works with leading banks across Africa to define strategy, sharpen competitive positioning and build resilient, future-fit banking businesses grounded in rigorous research and practical implementation insights.

The Krutham approach

We help banks navigate structural change by combining data-driven research, market intelligence and strategic design to unlock growth, efficiency and long-term competitiveness.

Banking strategy & business-model design

We partner with banks across retail, business, corporate and investment banking to design business models and strategies aligned to market trends, customer needs, regulatory changes and digital disruption.

Payments, digital finance & platform strategy

We guide banks in navigating competition from fintechs, platforms and super-apps, shaping product design, partnership models and digital-payments strategy across value chains.

Market, customer & competitor intelligence

Our research capability enables banks to understand market gaps, customer behaviour, pricing pressure points, SME-financing constraints and emerging competitors across Africa.

Operational excellence & value creation

We support banks to improve efficiency, productivity and capital allocation across lending, deposits, treasury and transaction banking.

Proven results

We assist banks in adapting to market and client shifts through evidence-based research and actionable strategic insights.

We help banks strengthen digital transformation, customer experience and operational efficiency through tailored analysis and advisory support.

We support the development of SME banking, trade finance, payments modernisation and digital onboarding using research-driven strategies.

We drive pan-African banking initiatives by integrating region-specific intelligence with global best practices so banks achieve greater resilience and competitiveness.

Comprehensive capabilities

Strategic advisory for banks

Banking-business-model redesign
Retail, SME, corporate & investment banking strategy
Payments & transaction-banking strategy
Digital-ecosystem and embedded-finance models
Product-portfolio optimisation

Market & competitor intelligence

Market-sizing & segmentation
Customer-journey research
Fintech & platform-competitor mapping
Pricing & product benchmarking
Cross-border market-entry assessments

Operational & financial-performance optimisation

Lending-value-chain diagnostics
Deposit-mix and funding-strategy analysis
Efficiency, productivity & cost-levers
Capital-allocation and balance-sheet resilience

Thought leadership & capability building

CEO, Exco and Board briefings
Bespoke research for banking teams
Technical workshops on digital finance & competitive strategy

Thought leadership

“International development funders provide wholesale concessionary loans to commercial banks, which can then provide finance for targeted purposes such as small business lending. There are clearly opportunities for banks and government to work together in a similar way, which can include guarantee schemes.”

— Tinashe Kambadza, Banking research lead
From: Good and bad ideas from the parliamentary hearings on the banking sector

Ready to elevate your bank’s strategic trajectory?

Whether you’re redesigning your model, expanding across Africa, strengthening SME capability or competing with platforms, Krutham can help you unlock the next frontier of banking performance.