We build the products that move money.
Kraus Advisors is a boutique advisory firm for financial technology. We help banks, fintechs, and platform businesses design, build, and launch the products that move money and goods — across payments, embedded finance, digital assets, and the AI systems now layered on top of them.
Five practices, one operating model.
We take engagements from market thesis through launch — and we stay long enough to prove the number moved.
Market & Opportunity Analysis
Sizing, segmentation, pricing, and competitive structure for regulated markets — delivered as a business case your board can act on, not a slide library.
Learn moreStrategy & Digital Transformation
An execution roadmap that ties vision to platform, milestones, capital, and the people who have to deliver it.
Learn moreProduct Design & Innovation
Fractional product leadership: architecture, roadmap, prioritization, governance, and delivery — with your team trained to run it after we leave.
Learn moreGo-to-Market & Growth
Positioning, packaging, pricing, launch, and the measurement framework that shows what the investment returned.
Learn moreCorporate & IP Advisory
M&A technology diligence, deal execution and integration, patent strategy and drafting, board and investor advisory.
Learn moreNot sure which practice fits? Start with the decision you need to make.
Talk to usFinancial technology is our center of gravity.
Two decades of building outside finance is exactly what makes us useful inside it. Platform economics, geospatial data, and measurement infrastructure all turn out to be the same problems in different clothing.
Core: financial technology
- Payments & Embedded FinanceIssuing, acquiring, BaaS, and the unit economics underneath.
- Digital Assets & TokenizationCustody, tokenized real-world assets, and the regulatory perimeter.
- Trade & Supply Chain FinanceFreight, customs, and working capital where goods and money meet.
- Behavioral & Retail BankingEngagement, personalization, and product design for retail customers.
Depth: adjacent markets
- SaaS & Platform BusinessesMulti-tenant architecture, pricing models, and land-and-expand motion.
- Location IntelligenceMapping, geospatial data, and the commercial products built on it.
- Media & AdTechMeasurement, attribution, and rights-driven data businesses.
- Applied AIGenAI product design in regulated environments, with the governance to ship it.
Three ways to start.
Every engagement is scoped to a decision or a deliverable. No open-ended retainers that never resolve.
Diagnostic Sprint
A focused engagement that ends in a decision: a market case, a product thesis, or a defensible go/no-go with the numbers behind it.
Fractional Leadership
We take the product or innovation seat, run the roadmap and the team, and hand it back with your organization equipped to continue.
Advisory Retainer
Standing access for board preparation, deal support, IP strategy, and time-critical competitive or customer response.
Why Kraus Advisors
Built by operators, not observers. We have shipped products inside fintechs, S&P 500 corporations, and major European companies, and we still hold operating seats today.
Compliance-driven environments
We have built and shipped products inside fintechs, S&P 500 corporations, and major European companies, in compliance-driven environments on multiple continents. We know what compliance will ask before you do, and we design around it rather than through it.
Patents, not just decks
6 US patents granted. We treat intellectual property as a commercial asset to be built deliberately, not a by-product.
We hold operating seats
Our team works in product and executive roles, not just advisory ones. The frameworks we bring are the ones we are using this quarter, on live problems, with our own accountability attached.
Global by default
Offices in the United States and Europe, products delivered across three continents, and client work conducted in three languages. Cross-border is our normal condition.
We do our own research.
Ongoing studies on payments, retail banking, trade finance, and applied AI keep our advice ahead of the market. Selected work is published here when it’s complete.
- AS 2026-01September 2026Download PDF
Omnichannel effectiveness in U.S. credit unions: which digital channels convert, and the role of email
Applied study, 12 pages. Ranks five digital channels on provable product conversion, and shows why last-touch attribution under-credits email, which by our estimate starts more conversion journeys than any other channel.
- WP 2027-01ForthcomingQ1 2027
Risk-adjusted pricing in ocean freight: a Sortino-style approach to lane volatility
Working paper. Treats schedule reliability as a return distribution and prices the downside. To be lodged on SSRN.
- AS 2027-01ForthcomingQ2 2027
Behavioral effectiveness in retail banking
Applied study. What actually moves members and customers to adopt a new product inside digital banking.
Let's talk.
Tell us what you're trying to decide, and we'll weigh in to see how we can assist — or help you find others who can.
United States
3140 S Ocean Drive, Suite 2808
Hallandale Beach, FL 33009
+1 (941) 264-8669
Europe
Rietzestr. 19
10409 Berlin, Germany
+49 (0) 151 61340498