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Integrity before

In managing our customer relationships, we'll be fair, and deliver value in a professional, honest manner (e.g. to tell the truth, even if the truth is difficult). These moral principles shall serve as a cornerstone that will not be sacrificed in pursuit of profit; and we will encourage the same for our own client's staff and the customers they serve.

3PS Approach

People | Profit | Planet

We believe business results can only be sustainable if profit considerations are firmly grounded on respect for people and the environment. We cherish the diversity of cultures and we believe that by empowering people and treating them fairly and openly, organizations become better places to work.

of change

We will never let a "good crisis" go by; in fact, we will make the most of it because we are not afraid of change. We consider crises as an opportunity to improve, not just survive; and fully embrace a defining moment when formidable events converge, with fortitude and strength.

Elevate the world
positive leadership

We believe it is possible to experience, model, and purposefully enhance positive emotions through high self-awareness, optimism, and a high moral compass. By doing so, we become a positive force that influences others and elevates the world to a better place.

Mistakes are

When large-scale change occurs, mistakes often follow, which become great lessons that build resilience for individuals and organizations when facing future challenges. Thus, we believe empowering people is essential to success and will ask our customers to avoid punishment when honest mistakes are made by well-intentioned staff.


Five core values guide impactiive® along every client touchpoint. These values enable impactiive® to position our client institutions to achieve exceptional results, such as: strong financial performance, a thriving corporate culture, clarity on underlying cost structures, appropriately managed risks, strengthened brand recognition, optimized product lines, and a strong foundation for future growth.

Value Statement

We seek out clients who are ready to take massive action to succeed. Business restructures and operational turnarounds require tremendous effort across the enterprise, which is why impactiive® requests our client institutions be willing and able to embrace the journey.

The way impactiive® helps financial institutions achieve these results is by taking the following steps:

(1) Perform an institutional assessment; (2) conduct a cost structure analysis and risk assessment; (3) develop a transformation roadmap; (4) create a change management plan & communication strategy; (5) introduce a risk management framework to mitigate risks, whether it's related to the transformation process or in any way inherent to the business environment; (6) monetize the roadmap by creating a plan to scale the business based on optimizations made; and (7) plan for future growth based on strategic feedback loops.

The client journey can begin at any stage, but for maximum results, it is suggested to start from step 1.

The impactiive® management team comprises over 200 years executive experience working in emerging market financial institutions engaged in rapid growth, as well as those in economic hardship. And as executives who have held C-suite positions, we have seen it all — good, bad and terrible times, in both friendly and hostile environments around the world. We have faced normal risks and major downturns such as economic recession, significant local currency devaluations, high levels of banking sector non-performing loans, and regional financial sector crises that forced numerous financial institutions to embark on major enterprise restructures or exit due to insolvency.

We at impactiive® understand what crisis means, because we have stood in the trenches while faced with immediate decisions to restructure, liquidate, or seek a buyer for acquisition. Not only have we achieved success when others failed, but we have methodized our lessons for good governance and transformation.

And because we believe financial inclusion in developing countries is having a profound impact on people's lives, from both a financial and humanistic perspective, helping save financial institutions in distress became a defining purpose for impactiive®. It is thus our mission to give back through lessons learned so that financial institutions experiencing hardship can rapidly find the solutions they need.

We seek out clients who are ready to take massive action and want to leverage our executive backgrounds in transformation of their institutions. We do this by offering customized solutions with an impact on both shareholder and management agendas.

We at impactiive® invite you to profit from our experience and capitalize on our expertise. The fate of your financial institution should not be a casualty of the circumstances.

Our specialty at impactiive® is to turnaround crisis situations and provide strategic guidance for financial institutions in hardship. Our experience is a direct result of working in emerging markets.

Our team of seasoned executives bring together deep industry knowledge and stand ready to embrace the challenges at hand.

Our approach is practical, comprehensive, action- and results-oriented.

We not only connect the dots and offer valuable advice, coaching, and support; but can also take the reins and make the change happen; while aligning our incentives to the client's success.

Our team of Partners and Associates at impactiive® have over 200 years emerging market experience with many renown institutions in the banking and microfinance industry. We have 80+ years in C-suite or Board positions, have worked in over 40 different countries, and are fluent or conversational in more than 10 different languages.

Each member of the executive team leverages a large network of expertise and geographical coverage with areas of expertise that include: process optimization, business restructure, institutional development, change management, finance, internal audit, internal control, product development, risk management, HR, IT, marketing, strategy and new business model design.


The Microfinance Centre is a social finance network that promotes fairness, inclusion, equality and responsible service to 113 organisations (including 77 MFIs) across 36 countries of Europe, Central Asia and beyond.

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