Strategy, operating-model design, target-state architecture and the business case that gets a programme funded — and kept funded through its second year.
- Growth & portfolio strategy
- Operating model & org design
- Cost transformation
Management & Technology Consulting
The bank, insurer or market
that comes next — built in
production, not in a deck.
Who we are
Transformation that survives contact with the business.
Most transformation programmes fail quietly — in the gap between a strategy deck and a release branch.
- Domain-deep teams
- Specialists in one industry and all of its corners.
- Delivery accountability
- We own the outcome, not just the recommendation.
- Regulatory fluency
- Supervisory timelines treated as design constraints.
Expertise
Five capabilities. One accountable team.
We are deliberately structured so that advice and delivery are never separate contracts. Most engagements draw on three or four of these at once.
Core platform replacement, cloud migration, API and integration estates — plus the engineering practice that keeps them maintainable after we leave.
- Core & platform modernisation
- Cloud & resilience
- Engineering enablement
Data products, governed model lifecycles and applied AI in underwriting, servicing and surveillance — with model risk handled from day one, not retrofitted.
- Data architecture & products
- Applied & generative AI
- Model risk & validation
Customer journeys rebuilt end to end — onboarding, servicing, collections — measured on conversion and cost to serve, not screens shipped.
- Journey & service design
- Digital onboarding
- Channel & CX platforms
Prudential and conduct change, financial-crime effectiveness, operational resilience and remediation delivered under live supervisory timelines.
- Regulatory change
- Financial crime & AML
- Operational resilience
Industries
Specialists in one sector, and all of its corners.
Financial services is not one market. Each of these businesses carries its own economics, supervisors and failure modes — so each has its own MJK practice.
- 01
Banking
Retail, commercial and private banking — cores, lending, deposits and the migration path between them.
- 02
Insurance
Underwriting modernisation, claims automation and policy administration replacement.
- 03
Wealth Management
Advice platforms, custody, onboarding and the fee pressure reshaping the front office.
- 04
Capital Markets
Post-trade, T+1 settlement, collateral and the surveillance estate around them.
Perspectives
What we are arguing about this quarter.
Research and practitioner views from the teams doing the work. Published in full — no gated summaries.
Viewpoint
8 min read
AI and the banking
customer experience
Where AI genuinely improves banking customer experience, the data and governance it depends on, and how to measure outcomes beyond deflection.
Briefing
8 min read
Embedded insurance for
home and auto
Cover sold inside the car or home purchase converts well, but only the right model, APIs and conduct controls make it last.
Viewpoint
8 min read
Mitigating fraud in
financial services
Fraud now targets customers' judgement, not just bank controls. How to rebuild detection, governance and operations for real-time payments.
Insight
8 min read
Mobile banking trends
shaping 2027
From AI assistants and real-time payments to passkeys and modular architecture, the seven trends redefining the mobile banking app, and where to start.
Briefing
8 min read
Using AI to optimise
financial services operations
Operational cost hides in exceptions and documents. Here is how to apply AI there, with redesigned processes, strong controls and measurable results.
Viewpoint
8 min read
AI-native core banking,
beyond the label
What AI-native core banking should mean beyond the marketing, the architecture behind it, and how to choose a migration path.
Get in touch
Tell us what is stuck.
Book a 30-minute conversation with a partner in your sector. A person responds within two working days — not a form confirmation.