PwC's DeNovo™

DeNovo gives you the benefits of strategy consulting, on a real time basis.

DeNovo makes innovation practical

DeNovo is the digital front door to PwC’s financial services practice. Quickly locate experts on emerging technology and innovation, ask them questions and get practical answers.


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You can access the expertise of DeNovo in several ways:


Through the self-service online platform, where you will find our proprietary insights about companies, technologies, and trends.

In person

In directed conversations with our dedicated subject matter experts and by accessing PwC’s 12,000 financial services experts worldwide.

Through consulting

By requesting Strategy-on-Demand customized consulting projects and specific Company Assessment & Analysis deep dives.

Try DeNovo for free, or upgrade for deeper strategic analysis and direct access to subject matter experts

DeNovo DeNovo  Premium
Get curated insights delivered daily, based on your preference
Understand the impact of new financial services technologies
Access analyses of 39 financial services industry segments
Get insights from 60+ dedicated subject matter experts
Research emerging technologies and trends
Organize research with personal Labels and Notes
Connect easily to the global PwC network of 12,000+ practitioners
Speak to dedicated experts on demand
See the impact of emerging technologies on your value chain
Order customized Strategy-on-Demand (SoD) projects
Get deep-dive Company Assessment & Analysis (A&A) reports
Collaborate and share Notes amongst work teams
Save time with additional search capabilities and Labels
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DeNovo overview

DeNovo Premium provides you with the benefits of on-demand strategic consulting. PwC experts are working 24/7 and use collective knowledge from across the world to answer the questions keeping you up at night.


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Use DeNovo to:

  • Drive more revenue, identify more customers, cut expenses. 
  • Stay informed of the trends and challenges in your industry. 
  • Partner, acquire, invest or deploy new technologies.


How you can use DeNovo

Decision-makers need to cut through the noise in FinTech innovation to translate disruption into strategy. These use cases illustrate possible ways DeNovo can help you meet your specific business needs, whatever your role.


The CEO of a regional property and casualty insurance company with limited resources wants to deploy a build-or-buy strategy that will let the firm keep up with the competition despite a smaller technology spend. DeNovo can support that strategy by helping the CEO determine where to innovate — for example, self-service tools for customers, artificial intelligence, and predictive analytics. DeNovo can then elevate the leading options and help the CEO find potential partners in less time for efficient, cost-effective action.

The CTO of a global capital markets firm realizes that multiple emerging digital technologies are poised to upend the industry’s traditional way of doing business. He needs to familiarize his team with those technologies while assessing the companies operating in this new space— for example, niche blockchain vendors who specialize in rapid, secure authentication of cross-border settlements. DeNovo can help the CTO find the best match between vendor and use case and alert the firm over time as better contenders enter the marketplace.

A business unit head at a lender has been so preoccupied by regulatory issues that he has little time to generate suggestions about lowering costs in advance of the department’s upcoming annual planning meeting. With his DeNovo Premium subscription, he requests Company Assessments and Analyses, which help him identify specific companies that can help lower the costs of fulfillment and servicing. Armed with DeNovo’s research, he arrives at the planning meeting ready to present a list of potential technology partners and the specific business benefits each one could deliver.

The head of innovation at a payments firm is always looking for start-ups and new market entrants with long-term promise. Using DeNovo, she can identify innovators around the world and leverage PwC’s analysis for early-stage due diligence. The firm may save time and money on evaluation while zeroing in on a short list of promising partnership and acquisition opportunities in areas ranging from mobile wallets and cryptotechnologies to fraud management.

The head of strategy at a multi-line financial institution fields multiple emails each day from the CEO, who wants instant perspective on companies and new concepts in the news. DeNovo can help her elevate urgent requests for specific information into a broader strategic conversation that includes assessments of the implications of various trends and technologies as well as a recommendation on what to do about them. By supplementing in-house analysis with the best of PwC’s broad expertise, she could give the CEO well-rounded and relevant answers — in minutes. Or, she can dive deeper by requesting Strategy-on-Demand through her DeNovo Premium subscription.

The head of digital client experience at a wealth management firm is concerned about deploying new digital experiences to attract millennial clients without alienating older clients who are less technology-savvy. The firm could use DeNovo to monitor trends, evaluate the maturity level of various technologies, and identify market leaders so it can make wise decisions about where to focus its business development efforts. This would enable the firm to adopt best-in-class digital experiences that improve retention of existing clients while attracting younger ones who are exploring wealth management services for the first time.

A private equity firm wants to deploy a roll-up strategy combining several FinTech start-ups into a single investment thesis. DeNovo’s Innovation Nexus can make it easier for the firm to evaluate specific companies in the context of industry-specific trends, technology topics, business models, and processes — then drill down to identify entire groupings of companies whose offerings can complement and enhance each other. As a result, the firm could model their fund more holistically around a theme or objective.

DeNovo offers deep and broad coverage of innovation across five financial industries:

Banking services

  • Small and medium business banking
  • Small and medium business lending
  • Cash and treasury management
  • Commercial real estate
  • Other wholesale lending
  • Auto finance
  • Deposit products
  • Residential real estate
  • Student lending
  • Personal credit

Capital markets

  • Advisory services
  • Origination
  • Sales and trading
  • Alternative investment exchanges
  • Inter-dealer brokers
  • Market exchanges
  • Market utilities
  • Custody and asset servicing
  • Trading and execution

Investment and wealth management

  • Private banking
  • Retail wealth and brokerage services
  • Hedge funds and fund of funds
  • Traditional funds
  • Private equity and venture capital


  • Employee benefits
  • Individual life and A&H
  • Retirement savings benefits
  • Auto insurance
  • Commercial insurance
  • Personal coverage (non-auto)
  • Reinsurance

Transaction and payment services

  • Card issuing and processing
  • Funds transfer, remittance, and bill pay
  • Merchant acquiring & processing
  • Payment networks
  • Point of sale and online checkout solutions



Our experts

Principal, Co-Leader of FinTech Practice

Partner, Co-Leader of FinTech practice

Managing Director, Investment services and capital markets lead

Director, Banking and payments lead

Director, Banking lead

Head of FinTech research and analysis

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Contact us

Haskell Garfinkel
Partner, US FinTech Co-Leader
Tel: +1 (312) 404 3792

Dean Nicolacakis
Principal, US FinTech Co-Leader
Tel: +1 (415) 498 7075

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