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.
Learn more about our retail services.
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 OPTIMIZATION
Interest Margin Analysis
Hidden Fees & Charges
FX Margin Visibility
Working Capital & Cash Strategy
Bank Relationship & Contract Benchmarking
Treasury Systems & Policy Evaluation
CARD PAYMENT OPTIMIZATION
Card Scheme & AMEX Fee Reduction
Gateway & Orchestration Cost Review
AI-Based Approval Rate & 3DS Performance Analysis
UX & Conversion Optimization
Fraud Strategy & Tokenization
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