Fintech and banking venture building
Regulated finance,
venture speed.
Built together.
Innovation, incubation and venture building for banks, asset managers, insurers and fintech founders. Dipesh brings studio-grade operating experience into the most regulated category in the world.
The new winners in financial services are not the biggest balance sheets - they are the operators who can ship a regulated product in 90 days, with conviction, and with a customer cohort already waiting. Dipesh has built fintechs from zero, led innovation inside Tier-1 banks and exited regulated businesses. The playbook is the same in every market: thesis, founder, compliance-as-code, distribution. All four shape the approach.
Expertise in
practice
Concrete engagements drawn from two decades of building, scaling and exiting ventures - and from operating playbooks refined across McKinsey, exited founders and the Digit Two network.
Discuss an engagementSix-week sprints that go from white-space to validated thesis with a real customer cohort - inside banks, insurers and asset managers.
Incubate new ventures - balance sheet, treasury, lending, payments, wealth - inside the parent and spin out when timing is right.
Independent fintech zero-to-one with founders, with compliance and licensing designed in from day one, not bolted on at Series A.
Help non-financial brands launch finance products their customers actually want - cards, lending, payments, accounts.
Where LLMs, agents and ML genuinely improve underwriting, ops, advice and CX - and where they create unacceptable risk.
Compliance-as-code, audit-ready stacks, and the regulatory relationships to move fast without breaking the bank.
Approach
Thesis
Market, regulator and timing pressure-test. The result is one venture worth backing, not a shortlist of ten.
Incubate
Embedded pod inside the parent or alongside founders. Product, compliance and go-to-market built in parallel.
Launch
Ship live to a pilot cohort under the right regulatory umbrella. Evidence in 90 days.
Scale or Spin
Scale inside the parent, spin out as an independent, or shut down on evidence. The decision is taken with discipline, not pride.
Gold standard,
not guesswork.
Fintech is unforgiving - the cost of late discovery is regulatory, not just commercial. The play that compounds: design compliance in, ship narrow, win one cohort completely, then expand.
From neobanks and lending to wealth, payments and embedded finance - in the UK, GCC and Africa.
Median time from signed thesis to a live, compliant pilot with paying or onboarded users.
Working relationships with regulators and licensed partners across UK, GCC and Africa.
The right moment
You see the white-space but need startup speed inside a regulated and risk-averse organisation.
You have the thesis and the operator but need a studio that has shipped regulated product before.
You want embedded finance done with conviction and compliance, not a vendor stack stitched together.
Founder & Senior Advisor
Dipesh Savani
Dipesh Savani founded Digit Two after more than two decades building, scaling and advising ventures across SaaS, fintech, healthtech and B2B services. An exited founder and ex-McKinsey advisor, he works with founders on the decisions that compound: distribution, capital strategy and the operating discipline behind enduring companies.
His work spans venture creation, corporate innovation and guidance for founders preparing to scale or exit. Through Digit Two, he leads thesis development, founding-team formation and a network of senior advisors.
Have a financial
venture in mind?
Dipesh works on a small number of financial ventures each year. Banks, founders and brands exploring finance can start a conversation.