FinTech Planning

Planning software built for ASC 606 at scale.

Anaplan and Pigment implementations for FinTech SaaS platforms. Platform, transaction, and services revenue in one model, with ASC 606 revenue recognition and contract-level forecasting at scale.

30 minutes with our founders. No sales pitch, just answers.

Industry Challenges

Why FinTech planning is different.

FinTech revenue comes in four shapes at once. Recurring platform, per-transaction, project services, and upfront implementation. The planning model has to keep them separate and reconcile them together.

Complex Revenue Recognition

ASC 606 compliance requires tracking performance obligations and delivery timelines. Multiple revenue streams per customer (platform fees, transaction fees, services) activate on different schedules. Spreadsheets create audit risk.

Contract-Level Forecasting

You need to forecast at the individual contract level, often thousands per customer, not just at the customer level. Each contract has different pricing, terms, renewal dates, and true-up clauses. Bottom-up is the only path to a forecast that ties to actuals.

Multi-Product Revenue Streams

Platform subscription (recurring), transaction fees (variable), professional services (project), implementation (upfront). Each stream has different forecast cadences and margin profiles. Consolidation to one P&L is essential but complex.

Transaction Revenue Runs on Different Math

If your platform earns on per-transaction fees, interchange, or spread, the revenue engine is not the same as the subscription engine. Monthly transactions times take rate times conversion, forecast by segment and product mix, matters more than the number of customers. Forecasting one without the other misses half the P&L.

M&A-Driven Restructuring

Acquisitions and divestitures require rapid model rebuilds, and the technical work is real. Purchase accounting resets ARR and deferred revenue. Cross-company customer consolidation surfaces duplicates. Deferred revenue haircuts change what recognizes when. The planning model has to absorb all of this in days, not the two months a spreadsheet rebuild takes.

Territory & Commission Complexity

Sales teams are often organized by product, segment, and geography. Commission structures vary widely: deal-by-deal overrides, team splits, service-level payouts, and retention bonuses tied to product mix.

Core Services

What we build for FinTech companies.

Finance-first. We start with revenue recognition and forecasting, then layer in commissions and workforce planning.

Finance

FP&A Forecasting

Consolidated budget forecasts, rolling 13-month forecasts, scenario modeling, and sensitivity analysis. Payment float and working capital modeled explicitly, because pass-through cash is a real balance sheet item for platforms. Full audit trail for SOX and compliance requirements.

Revenue

Revenue Recognition & ASC 606

Contract-level forecasting that maps to revenue recognition rules. Performance obligations, delivery timelines, and multi-period revenue tracking. Automatic consolidation from thousands of contracts to P&L. Pigment's AI agents flag anomalies in performance obligation allocation before they hit the audit.

Pipeline

Pipeline & Bookings Forecasting

Connect pipeline → bookings → revenue → financial statements in one system. Win probability adjustments, forecast bias correction, and closed-loop analytics between sales forecast and revenue recognition.

Sales

Territory & Quota Planning

Product-based, segment-based, and geographic territory models. Quota setting tied to pipeline and historical conversion. Deal-by-deal tracking and territory overlap analysis for sales planning.

Compensation

Commission Engine

Complex compensation models: deal-by-deal overrides, team-based splits, service-level bonuses, product-mix incentives, and retention payouts. Rapid recalculation when deal terms change or new contracts hit renewal.

Support

Managed Services

ASC 606 rule change adaptations, quarterly reconciliation of contracts to revenue recognition, M&A integration model rebuilds, and standing support as the platform expands into new revenue streams.

Client Examples

Proven outcomes in FinTech.

MeridianLink Anaplan
12,500+
individual contract forecast

Contract-level revenue forecasting for complex fintech platform. Moved from quarterly to twice-monthly forecasting cycles. Tracks platform, transaction, and services revenue with ASC 606 compliance across 3,000+ enterprise customers.

FAQ

Questions about FinTech planning

Why is FinTech planning different from SaaS planning?
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SaaS is relatively simple: mostly recurring revenue, minimal true-ups, one pricing model. FinTech is multi-dimensional: platform (recurring), transactions (variable), services (project), and implementation (upfront) in the same customer contract. Add ASC 606 compliance, contract-level forecasting across thousands of contracts, and frequent M&A activity, and SaaS planning tools become inadequate.
Can you handle ASC 606 revenue recognition?
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Yes. We build models that track revenue at the contract level, map each contract's performance obligations to expected delivery timelines, and consolidate to ASC 606-compliant revenue recognition that auditors accept. This connects pipeline → bookings → contract terms → revenue recognition schedule → financial statements. Changes in contract terms automatically recalculate revenue timing.
How do you forecast multiple revenue streams per customer?
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We separate each revenue stream: platform subscription (monthly recurring), transaction revenue (variable), professional services (project-based), implementation fees (upfront). Each has different forecast cadences and margin profiles. The model tracks each separately for operational visibility, then consolidates for P&L and revenue recognition reporting.
What about SOC 2 and PCI compliance requirements?
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Anaplan and Pigment both handle the audit trail and change management concerns that SOC 2 auditors ask about. Every forecast assumption change is logged with who, what, and when. Approval workflows enforce segregation of duties. For PCI, we build models that reference customer data at the contract level without pulling raw cardholder data into the planning system. Compliance is a byproduct of building the model correctly, not a separate module.
Can you forecast transaction revenue and platform revenue in the same model?
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Yes, and they need to be modeled differently. Platform revenue is subscription math: contract value spread over term, adjusted for expansions and churn. Transaction revenue is volume math: forecasted transactions times take rate, often varying by customer segment and product mix. Both roll up to the same P&L, but the drivers are separate. We model each explicitly, then consolidate.
How do you handle M&A and frequent restructuring?
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We build flexible model architecture that accommodates rapid entity and segment restructuring. When you acquire a company, you can onboard its contracts, revenue streams, and teams into the existing forecast without rebuilding. Templates for integration assumptions and rapid rebuild capability mean you can replan in days instead of weeks.

Ready to build planning for your FinTech company?

Let's talk through your challenges: revenue recognition, regulatory reporting, contract forecasting, and commission complexity.

30 minutes with our founders. No sales pitch, just answers.