Industries in Focus

We serve a narrow group or industries facing increasing competitive pressure to digitalize
customer experiences, automate operational processes and improve risk management,
while needing to foster an agile culture focusing on innovation.

  • Banking

  • Telecoms

  • Logistics

  • Retail



‘If you compare banks to companies like Google, it’s evident that banks are still at the nascent stage of the digital and data revolution.’ Vik Atal

Retail banking today is experiencing major forces which are shaping its future. The imperative of digitalization is driven by sophisticated demand from a growing millennial client base. as well as by the increasing pressure from digital/fintech disruptors. Digitalization does not only involve advancements in technology, data analytics and process automation but as well a shift in corporate culture towards agility and collaboration. Banks need to re-invent the existing value creation model, moving towards a customer-centric advisory role, while further optimizing critical elements of core business such as risk management, debt collections and operational efficiency which all have a direct significant impact on the bottom line and customer experience.


‘The reason it seems that price is all your customers care about is that you haven’t given them anything else to care about.’ – Seth Godin

Retailers are experiencing a tectonic shift impacting their ecosystem with customer interactions increasingly moving from physical to online. In addition, customers are expecting a seamless omnichannel experience for each purchase, followed by a fast, cheap delivery to the doorstep. With a disappearing separation of mCommerce and eCommerce means the retailers need to focus less on the channel and more on the engagement. Latest developments in applied neuroscience helps understand consumer preferences to product, package and price.


Since the explosion in eCommerce in recent years, the simple way to say it is that the supply chain and logistics profession has become kind of cool.’ Scott MacKinnon

The increase in online commerce has provided on opportunity for growth in the logistics industry while at the same time driving margins lower. Consequently, the logistics sector is emerging as a suitable industry for the latest Robotics Process Automation (RPA) trend. RPA solutions are replacing manual repetitive human work and labor-intensive activities, providing a unique opportunity for large logistics providers to further improve efficiency of elements of the supply chain. From optimizing middle and back-office functions, automating data processing in ‘swivel chair’ jobs, to warehouses automation, RPA can scientifically reduce the total cost of handling and delivery with a quick return on investment.


‘In today’s modern world, people are either asleep or connected.’ Howard Rheingold

After several decades of continuous growth, the telecom industry today is facing a growing array of challenges which from decreasing voice revenue, proliferation of messaging platforms, to increasing demand for capital investment in new generation network infrastructure. On the other hand, the culture of connectedness provides a huge opportunity for the mobile network operators (MNOs) to stay relevant in the years to come, avoiding the role of utilities. Such pressures must be met with innovation on the levels of customer engagement, business models, new services and untapped customer segments. Vast amounts for real time big data amassed by the MNOs provide an opportunity for a new revenue streams, content creation, value added services, IOT, payments fiscalisation etc.

Main Areas of expertise

  • Advanced Risks Modelling

    combining big data and latest predictive modeling techniques in risk management resulting in reduced reserves and increase in profitability

  • CRM/digital sales

    next level of digitalization of x-selling and upselling techniques from risk modeling to optimizing the process of card delivery at smart kiosk, increasing the share of new sales from digital channels

  • Neuroscience Applied to Customer Experience management

    designing improved Customer Journeys by measuring Customer Experience applying latest developments in neuro research and technology

  • Digital Collections

    understanding the level of resilience of banks’ collection businesses in order to ensure sufficient capacity and level of automation in preparation for the next market downturn

  • Payments Business Revenue and Profitability Assurance

    deeper understanding of profitability drivers in banks’ card issuing and merchant acquiring businesses for a better response in facing fintech challengers and regulation/decreasing interchange in the future

  • Robotics Process Automation (RPA) in with Lean Management approach

    scanning key internal processes to identify candidates for next level of automation, reducing cycle times and total process costs

  • Business Continuity Management (BCM)

    as a way of doing business – considering BCM not as an overhead or compliance activity but as an integral part of the day-to-day business operations

OFFICES & Focus regions

(with project delivered in each of the following highlighted markets)

Central and Eastern Europe
(Austria, Germany, Poland, Czech Republic, Slovakia, Hungary, Romania, Bulgaria, Greece, Slovenia, Croatia, Russia, Azerbaijan, Serbia, Montenegro)

GCC and South East Asia
(UAE, Singapore, Malaysia, Indonesia, Thailand, China, India)

Our Approach to Consulting

Black Pine Executive Consulting is an ambitious boutique consulting firm that intends to fix the consulting model in favor of the client. We value deep expertise, getting to the core of the issue, content over the form, and close involvement of the client in our work. Emphasizing practicality of our approach, the staff in our four global offices almost exclusively consists of financial, telco and retail industry professionals. We combine best practices of international management consulting with the power of predictive analytics and big data, combined with our ambition to execute the improvements we have designed for our clients.