Product Strategy
& Execution
Improve what already exists.Bring clarity when teams are stuck.Lead product as a fractional CPO.
Idea
Right product
Launch
Growth
DiscoveryStrategyAuditFractional CPO
Explore →Product strategy · Fintech · Execution
From ideato product.
Product strategy, execution and fintech expertise for companies that need to build, improve or unlock digital products.
Startup foundersScale-upsFintech companiesPayment companiesMoney transfer & remittanceDigital banksWallet providersCompanies launching a digital productInvestors & founders before fundraising
Point of view
I don’t justadvise.
I help turn ideas, problems and complexity into products that work.
Paola Luyo, Founder
Three practices.
One senior partner.
I step in when a product needs to be launched, improved, unblocked, restructured or accelerated.
Product Strategy
Fintech &
Money Transfer
Deep expertise in payments, remittance, wallets and digital financial products.
SenderPayoutReceiver
Bank depositCash pickupWalletsCardsAccount-to-accountKYC journeysPartner integrations
For money transfer operators, payout networks, wallet providers and digital banks.
Explore →Startups
& MVP
From your first idea to your startup’s next milestone: start on solid ground, find the right direction again or fix what is blocking you.
Idea framingMVPImprovement & turnaroundFlash audit
01/ Skateboard
Try
02/ Scooter
Stabilise
03/ Bike
Adapt
04/ And then?
Decide
For founders and early-stage teams. At each step: observe usage, listen, adjust.
Explore →Who I work with
Startup foundersScale-upsFintech companiesPayment companiesRemittance companiesDigital banksWallet providersInvestors
When to call
When a product is stuck, I find what is blocking it and get execution moving again.
Tell me what’s blocking your product →01You have an idea but don’t know where to start.
02Your MVP is becoming too complex.
03Your product roadmap is unclear.
04Your Product and Tech teams are struggling to align.
05A critical integration is blocked.
06You need senior Product leadership temporarily.
07Your fintech product needs to scale.
08You need someone who understands both business and technology.
Money transfer & remittance
22 years inside a European payment institution.
From customer experience to the P&L, I know every link of the transfer chain. I can work on several fronts at the same time: product, partners, compliance and operations.
See my fintech expertise →You are opening a new corridor or market.
You need to choose, switch or integrate payout partners.
Your KYC journey is losing customers.
Your pricing and FX need to be rethought.
You want your agent network and digital channels to work together.
Paola LuyoFounder, OXYGEN23
About Paola
“I’ve spent more than two decades building products, fixing complex problems and connecting the people who need to make things happen.”
I see a product not only as something to build, but as a business: it has to solve a real customer need, work operationally, scale and deliver measurable results.
360°A view grounded in experience: customers, operations, partnerships, management and product.
Track record
22+ years in fintech and financial services, across product, operations, partnerships and general management. I’ve built products, run operations and owned a P&L.
Career path
01
Head of Customer Experience
I learned the business from the customer side. I created the department and grew the teams from one country to seven.
02
Head of Operations & Partnerships
I made products work in real life: operations and the partner network behind them.
03
Chief Product Officer
I led product teams and the design, launch and evolution of digital financial services.
04 · Most recently
Country Manager Belgium
I owned business performance and market development, with a team of more than 60 people.
Services
Six engagements, scoped around where your product is today.
Product
Product Strategy
Vision, value proposition, roadmap and KPIs. Product, business and tech pointing the same way.
Product
MVP & Product Launch
What to build now, what can wait, and a launch the whole company is ready for.
Product
Product Audit & Optimisation
A clear diagnosis of your product, funnel, processes and team, with an action plan.
Leadership
Fractional / Interim CPO
Senior Product leadership now, without hiring a permanent CPO yet.
Fintech
Fintech Product & Integrations
Operators, banks, payout partners and APIs. A bridge between business, product, engineering, operations and compliance.
Fintech
Money Transfer & Payments Advisory
Corridors, payout methods, sender and receiver journeys, partner networks.
How I work
Four steps, adapted to each company. The goal is a team that keeps moving after I leave.
01
Understand & diagnose
The product, the problem, the teams and the constraints, and what is really blocking progress.
02
Align
Business, Product and Tech agree on the same priorities.
03
Execute
Decisions become concrete actions, owned and delivered.
04
Transfer
A clearer, more autonomous organisation stays behind.
Contact
Tell me what’s blocking your product.
A few lines are enough. You’ll speak directly with me.
Consulting available in French, English, Spanish and Portuguese.
✓
Thank you.
Your message is on its way. I’ll reply by email.