Munich Independent Advisory Digital Financial Services

Independent advisory built around growth that lasts.

Ten years inside regulated European banks. Now working with founders and leadership teams at digital banks, fintechs, and payments platforms.

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Where I add the most value to a leadership team.

Engagements are advisory, not agency work — I embed with your team on the decisions that matter most.

Growth Strategy

B2C and B2B growth planning grounded in digital banking behavior — from acquisition through retention, built for regulated markets.

II.

Product & UX Direction

Bridging strategy and execution — evaluating and shaping product experience decisions before they become expensive to unwind.

III.

CRM & Lifecycle

Practical retention and engagement architecture — segmentation, campaign logic, and the data foundations that make it work.

IV.

Brand & Positioning

Sharpening how a financial product is understood by the people who need to trust it — customers, partners, and regulators alike.

Go-to-Market Strategy

Market entry planning for new products and new geographies — partner selection, positioning, timing, and the regulatory landscape shift that comes with each.

VI.

Decision Support

Structured input for leadership at inflection points — pricing, launch timing, and build‑vs‑partner calls, made with rigor.

"Financial products succeed when strategy, trust, and execution move together — that alignment is where I work."

I'm Cagla Dere, an independent senior advisor based in Munich, working with digital financial services companies on growth strategy and the decisions that shape how a product enters and holds a market.

Before going independent, I spent over ten years in digital banking, including senior roles at regulated European financial institutions — experience that shapes how I approach compliance-aware growth, customer trust, and the operational realities behind a strategy deck.

I work directly with founders and leadership teams, typically embedded alongside product, marketing, and executive stakeholders rather than at arm's length.

10+

Years in digital banking

Munich

Based & working across Europe

Independent

Self-employed, own engagements

Let's talk about where you're headed.

The best engagements start with a short conversation about the decision in front of you. Reach out directly, or send a note.

cagladere@cagladere.com LinkedIn — Cagla Dere