Retailers are Leaking Margin.

 

Hidden fees, poor approval rates, weak vendor terms, and FX friction all add up. In retail, small inefficiencies scale fast — and most merchants don’t see where the money goes.

Bankhawk combines deep retail expertise with AI-powered analytics to uncover and fix the drivers of lost margin across banking and payments. We deliver clear, data-backed recommendations quickly, often with minimal effort from your team — and our clients typically unlock millions in hidden value.

How We Help Retailers

We use advanced data models, market benchmarks, and domain expertise to deliver results fast — often in weeks, not months.

AI-enhanced analysis of your fees, FX, interest margins, and contracts — giving you visibility you’ve likely never had before
We compare your performance against peers and providers, across card schemes, banks, and regions — showing where you're overpaying or underperforming
We provide specific, commercially focused recommendations you can act on quickly — from 3DS tweaks to fee renegotiations

What we provide for you.

BANKING OPTIMISATION

 

Interest Margin Analysis

Hidden Fees & Charges

FX Margin Visibility

Working Capital & Cash Strategy

Bank Relationship & Contract Benchmarking

Treasury Systems & Policy Evaluation

CARD PAYMENT OPTIMISATION

 

Card Scheme & AMEX Fee Reduction

Gateway & Orchestration Cost Review

AI-Based Approval Rate & 3DS Performance Analysis

UX & Conversion Optimisation

Fraud Strategy & Tokenisation

APM Strategy (BNPL, Wallets, etc.)

FX Settlement, DCC & Co-Branded Card Evaluation

POS & Terminal Strategy

 

ENTERPRISE SERVICES

 

Cost of Collections Improvement

RFP Management & Vendor Selection

Tailored Projects for Finance & Payments Teams