Focused research. Practical market insight.
We identify emerging problems in consumer credit, determine where existing financial technology can address them, and translate that insight into credible market opportunity for vendors.
Seeing change before it becomes obvious.
Strategy Partners Group was founded in 2016 by Vince Coyner, a business strategist and MBA whose work has focused for more than two decades on identifying market shifts, hidden risks, and structural changes before conventional measures fully reflect them.
That discipline now informs SPG’s work in financial services. Consumer-credit problems often develop gradually, while established measures capture them only after the commercial and portfolio consequences have become expensive.
From portfolio pressure to commercial opportunity.
Research the problem
Identify developing credit-card loss patterns and the lender segments where those problems have meaningful economic impact.
Define where intervention fits
Clarify how earlier intervention can improve outcomes and which vendor capabilities are relevant to the problem.
Translate insight into growth
Prioritize institutions, quantify opportunity, and support a vendor’s ability to bring the right solution to the right market.
Vince Coyner
Vince brings a long-range strategic perspective to markets shaped by complex data and changing behavior. His work has included anticipating major industry disruption and identifying disconnects between business assumptions and consumer reality before their financial effects became broadly visible.
At SPG, the objective is deliberately practical: isolate problems that matter, determine where solutions create measurable value, and help financial-services vendors pursue opportunities grounded in lender economics.
The opportunity is not merely to detect deterioration. It is to understand what can be done about it—and where that answer creates value.Vince CoynerFounder, Strategy Partners Group