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Growth Strategy

Innovation in Risk Management

Operational Excellence

Meet Kim Gerhardt

Our Principal Advisor, Kim Gerhardt, has over 30 years of experience in financial services and management consulting, with expertise in growth strategies, operational excellence, and risk management.

She is passionate about how the use of technology and data in financial services enables access to credit, creates new channels, protects against fraud, and empowers financial institutions to grow and manage their business. Learn more about Kim here.

Kim has worked with both traditional financial institutions and new entrant challengers for two decades — and believes that every player is a “FinTech” regardless of their company lifestage

  • Kim Gerhardt at The FinTech Interactive has over 30 years of experience in financial services and management consulting, with expertise in growth strategies, operational excellence, and risk management.

What We Offer

Growth Strategy: We help clients better understand the shifts in the competitive market and changing customer needs to best create products and position their business for growth.

Innovation in Risk Management:  We help clients better understand advances in data, tools, and providers to improve their credit and fraud risk management functions.

Operational Excellence:  We identify industry leading practices and compare these against our clients’ business practices to uncover opportunities for improvement.


We partner with clients through management consulting and advisory services to firms regardless of the stage of their lifecycle. Your firm may have a specific business question at hand where a specific project can be defined, or we can develop an advisory relationship for ongoing support and advice.  Regardless of structure, we will partner with you, collaborate with you, and work with you in an interactive way to drive success.  Let’s explore this initial opportunity.

Areas of Expertise

Our work focuses on lending and payments on topics such as:

  • Credit risk and approaches to credit underwriting, including lending at the point of sale
  • Evolution of consumer credit risk scoring, new data/tools to inform credit underwriting such as ML/AI and use of cash flow data
  • FinTech and Bank partnerships and their governance
  • Economic and credit cycles, trends and shifts in consumer spending and use of credit
  • Fraud and credit abuse, online application fraud, identity verification, solution provider landscape
  • Opportunities for lending and payments as part of embedded finance
  • New products and approaches addressing the underserved and new to credit, financial inclusion, behavioral economics, financial education, retail distribution, use of mobile technology
  • Evolution of financial services through Web3 and DeFi
  • Regulatory priorities impacting consumer credit including data privacy, data access, transparency, and fair treatment
  • Collections strategies and use of technology and communications to optimize customer experience and recoveries
  • Dynamics of working with merchant partners during the extension of consumer credit
  • Small business account acquisition; sources of data for business verification, shifts in CFPB regulatory posture over small business lending
  • New technologies and trends in consumer payments away from cash, such as contactless adoption, unattended payments, mobile payments apps, omni-channel payments acceptance

Who We Partner With

Traditional players:  Top national, regional, community banks, credit unions; credit card issuers; merchant acquirers

  • 13 of the top US general purpose credit card issuers, representing 70% of industry outstandings
  • Private label credit card issuers, representing 90% of transaction volume
  • 10 of the top small business credit card issuers, representing 85% of industry outstandings
  • 3 of the top 5 merchant acquirers in the United States
  • Credit bureaus, data providers, and consumer credit risk scoring organizations
  • All the major payment networks in the United States

Fintech lenders, solution providers, payment facilitators

  • Over a decade of experience working with 25+ lenders of personal unsecured personal loans, both bank and FinTech
  • FinTechs providing differentiated solutions to the financial service ecosystem

Industry Advisors

  • Numerous consulting and advisory firms that focus on areas of business strategy, technical consulting, quantitative customer research, and M&A advisory services
  • Several of the leading law firms focusing on financial services including consumer protection