DDAaT
STARTUPS
DATA
CLIENT CENTRIC
TECHNOLOGY
CULTURE
providing interim and fractional CTO/CIO services to fintech and financial services firms, including the wealth management and financial advice sectors.
Are you seeking a fractional CTO or CIO to provide high-level technology leadership and innovation for your business? Contineo brings deep expertise in analysing, architecting, developing, and deploying solutions in the financial technology sector, from agile fintech startups and wealth management firms to major financial institutions. We function as your on-demand CTO/CIO, aligning technology with your business strategy to drive innovation and growth.
A proficient Fractional CTO/CIO provides more than just technical skills. They deliver a strategic vision for your product development roadmap, optimise your development workflows, and ensure your project infrastructure is robust and scalable. Our services encompass full-stack development, efficient third-party integrations, and the creation of fast, clean, and maintainable applications designed to scale seamlessly from a few users to thousands.
We offer Fractional CTO/CIO services tailored to collaborate with businesses of all sizes.
Don't hesitate to get in touch.
FINTECH
WEALTHTECH
ADVICETECH
Are you embarking on new technology projects or seeking a definitive technology strategy?
Our fractional CTOs specialise in crystallising your technology vision, assessing market demands, and analysing competitive dynamics to ensure your technological success.
• Strategic technology roadmap
• Alignment with business goals
• Transformation strategies
• Technology stack optimisation
• Technology cost management
• Technology innovation
Is your technology team dedicated to crafting solutions that not only meet customer demands but also propel business growth?
Our fractional CTOs offer seasoned leadership and strategic expertise to refine and enhance these essential processes:
• Technology research and innovation
• Resource planning and allocation
• Agile development practices
• Architecture and design
• Infrastructure optimisation
• Technology security and compliance
Are you facing challenges with slow time-to-market or in need of agile transformation?
Our fractional CTO leaders can introduce innovative practices to expedite your technology delivery.
They excel in enhancing the following key areas:
• Agile transformation and coaching
• Technology product rescue
• Support and maintenance
• Scalable technology solutions
• Cloud technology integration
• Technology stack optimisation
Every company requires an IT infrastructure, the scale and complexity of which vary according to the company's specific needs. Whether these systems, applications, and processes are hosted on-premises at the company's office, in the cloud, or a hybrid environment, they must be effectively managed.
• Systems design and implementation
• Systems monitoring and alerting
• Cloud and legacy migrations
• Helpdesk support management
• New systems and applications
• System application implementation
A key strength of a fractional CIO is their capacity to integrate with the company’s executive team, fully grasp the specific needs, objectives, and strategies of the business, and craft an IT strategy that supports and realises those business goals efficiently and seamlessly.
• Information technology strategy
• Integrations project planning
• Technology roadmaps
• Team planning and rightsizing
• Risk management
• Budgeting and cost management
There are occasions when a company's technology team requires reinforcement to deliver accelerated or time-sensitive systems.
A fractional CIO possesses the capability to enhance those skills for the duration of the initiative by sourcing and managing the specific skilled resources needed.
• Cloud and data migrations
• ERP implementation
• Security initiatives and assessments
• Data storage projects
• Data centre projects
• AI projects
Considering mergers and acquisitions (M&A)? These complex business transactions involve the transfer or consolidation of ownership of companies or their assets.
A fractional CTO or CIO plays a crucial role in driving a business's M&A strategy by leveraging their expertise in technology, data, and transformation. From due diligence through to completion and post-merger integration, aligning with business objectives to maximise value at every stage of the acquisition process.
• Technology due diligence
• Data quality due diligence
• Technology alignment
• Systems and data migrations
• Operational process excellence
• MI and analytics
In the complex intersection of technology and business strategy, the roles of a fractional CTO or CIO are pivotal in aligning your technological capabilities with overarching business objectives to unlock robust data solutions.
These technology leaders play a critical role in refining business intelligence, enabling the transformation of raw data into a powerful tool for innovation, operational efficiency, and competitive advantage.
• Identifying and removing data siloes
• Aligning with business strategies
• Delivering business insights
• Providing critical KPIs
• Driving data quality
• AI projects (bad data = bad AI)
In today's data-driven business environment, a fractional CTO or CIO can play a crucial role in spearheading robust data governance and comprehensive data management strategies.
A fractional CTO or CIO implements policies, systems and strategies, allowing businesses to implement best practices in data management, from data collection and storage to analysis and reporting, ensuring that data is a strategic asset used to achieve business goals.
• Breaking down data siloes
• Enhances data accessibility
• Data coherence
• Culture of data ownership
• Data integrity and reliability
• AI data platforms
A fractional CTO or CIO can significantly enhance your business's competitive edge by establishing a centralised data warehousing facility, which provides a definitive source of truth and ensures heightened data security, privacy, consistency, and quality.
Centralised data storage not only secures sensitive information but also makes it uniformly accessible, promoting effective data governance and enabling streamlined analytics. This approach safeguards data integrity and confidentiality, adhering to strict data protection regulations to prevent breaches.
• Definitive source of truth
• Improving data ownership
• Breaking down data siloes
• Enhancing data accessibility
• Data consistency
• Data integrity and reliability
A fractional CTO or CIO can significantly enhance your business by strategically implementing artificial intelligence (AI) technologies. By harnessing AI, they can revolutionise your operations, automating workflows, elevating customer experiences, and extracting valuable insights from data, all of which contribute to increased efficiency and innovation.
Our fractional CTOs or CIOs play a crucial role in selecting optimal AI tools that not only align with your business objectives but also integrate seamlessly with your existing processes and systems.
• Implement AI responsibly
• Fully integrated AI
• Efficient and measured ROI
• Intelligent automation
• Enhancing customer experience
• Secure and private AI data platforms.
A fractional CTO or CIO is instrumental in fostering data-driven process excellence, placing data at the core of all business operations. By embedding data deeply into business processes, they ensure that every strategic decision is informed by accurate, timely, and relevant information.
This approach enables continuous improvement of the customer experience by leveraging data to tailor interactions and more effectively predict customer needs. It also enriches business analytics, providing deeper insights into operational performance, market trends, and customer behaviour.
• Build process excellence
• Optimise operational workflows
• Improve service delivery
• Drive data ownership
• Reduce manual keying and error rates
• Augment intelligent automation
Founded in 2024 by a transformational and innovative technology leader, with a proven track record of transformational delivery within the financial services sector, working with household names such as Standard Life Wealth, Aberdeen, Prudential, Barclays, Killik, TD Waterhouse, Interactive Investor, Intelliflo, JHC, FNZ, and others.
Keeping up with fast-changing technology shouldn’t just be an extra line in your job description.
Someone needs to provide the big-picture oversight for your business, continually examining your business and those of your competitors.
Sound familiar?
Fractional Chief Technology Officers (CTOs) and Chief Information Officers (CIOs) serve as part-time executive leaders, offering strategic guidance and oversight across technology, artificial intelligence, infrastructure, cybersecurity, operations, and data initiatives.
These professionals deliver a cost-effective leadership solution for startups and small to medium-sized organisations that require expert technology leadership without the expense of a full-time executive.
Fractional CTOs and CIOs can be engaged on a project-specific basis or through a retainer agreement, providing flexible access to top-tier expertise tailored to the organisation's needs and budget.
Interim and Fractional Chief Technology Officers (CTOs) and Chief Information Officers (CIOs), covering areas including:
• expertise
• flexibility
• speed
• capacity scaling
• product building
• acquisition due diligence assistance
• strategic growth
The working hours of a fractional CTO or CIO are highly adaptable, varying significantly to meet the specific needs of the company and the terms of the existing agreement.
Typically, a fractional CTO or CIO works between 20 and 125 hours per month, which usually translates to about 10 to 20 hours per week. This flexibility is a significant benefit of engaging a fractional executive. Depending on the organisation's requirements, the involvement could range from a few hours of strategic guidance each week to more extensive engagement during pivotal periods such as strategy formulation, roadmap development, product creation, or a comprehensive overhaul of technology or legacy systems.
The arrangement ensures that the hours are customised to align with the distinct needs, requirements and budget of the business, offering expert leadership without the need for a full-time commitment.
While both interim and fractional CTOs/CIOs fill temporary roles within an organisation, their functions and objectives are distinct.
An interim CTO or CIO is usually appointed during a transitional period, such as during a leadership change or for the duration of a specific project, and their role is often defined with a clear end date in sight.
On the other hand, a fractional CTO or CIO can engage in a more flexible and ongoing manner. This type of role is designed to provide long-term strategic guidance, mentorship to in-house teams, and development of technology roadmaps, all without the commitments associated with a full-time executive position.
Hiring a fractional CTO or CIO offers significant cost efficiencies compared to employing a full-time executive. Companies pay only for the services they require, avoiding the expenses associated with a full-time salary, benefits, and other related costs. This arrangement enables businesses to tap into top-tier expertise without over-stressing their financial resources, providing access to executive leadership that might otherwise be beyond their budget.
Companies could also view this as a 'try before you buy' process; unsure of how much benefit a CTO or CIO could bring, this route will deliver all the benefits without incurring many of the ongoing costs.
Startups and small to medium-sized enterprises (SMEs) can greatly benefit from hiring a Fractional CTO/CIO. These organisations often face technological challenges beyond the scope of their current teams but lack the budget for a full-time executive. Here’s why they might consider a Fractional CTO/CIO:
• Expertise: Fractional CTOs/CIOs bring critical skills in technology strategy, digital transformation, AI, data and innovation, helping companies remain competitive.
• Cost Efficiency: They provide the leadership of a senior tech executive without the associated costs of a full-time salary and benefits.
• Strategic Guidance: Essential for businesses aiming to scale or penetrate new markets, fractional CTOs align technology with business objectives to support growth.
• Project Leadership: Whether launching a new tech initiative or undertaking a major IT overhaul, a fractional CTO can offer the necessary expertise and focus.
• Mentorship: They can develop and elevate the capabilities of internal teams, fostering strong in-house tech skills.
• Objective Insights: As external advisors, fractional CTOs/CIOs offer unbiased perspectives that can enrich technology strategies.
• Transition Management: Their experience is crucial for companies navigating mergers, acquisitions, or rapid growth, ensuring smooth transitions.
The decision to hire a Fractional CTO or CIO should align with specific business needs and goals. Here are key situations where a fractional CTO/CIO is particularly valuable:
• Critical Growth Phases: As your company expands and technological demands grow, a fractional CTO or CIO can offer essential strategic guidance and management.
• Market Expansion: When entering new markets that require technological adjustments, a fractional CTO or CIO can refine your tech strategy to meet these challenges.
• Technological Overhaul Needed: If your technology is outdated or underperforming, a fractional CTO/CIO can lead a comprehensive technology revamp to keep your business competitive.
• Skill Gaps: When your team lacks the necessary experience for strategic technology decisions, a fractional CTO/CIO can provide the expertise needed.
• Major Tech Investments: Before significant technology investments, a fractional CTO/CIO can conduct a thorough assessment and strategic planning to validate the investment.
• Funding or Sale Preparation: A fractional CTO/CIO can strengthen your company’s technology stance, enhancing its appeal to investors or buyers.
When choosing a fractional CTO/CIO, it’s crucial to find someone with the right qualities to address your company’s needs effectively. Here are essential attributes to consider:
• Broad Technological Expertise: Seek a candidate with a comprehensive understanding of various technologies and their application across different business contexts.
• Strategic Thinking: The ideal candidate should align technology with business goals, anticipate future trends, and devise proactive strategies.
• Leadership Skills: Look for the ability to lead teams from the front, foster innovation, and communicate effectively with both technical and non-technical stakeholders.
• Problem-solving Ability: A top fractional CTO/CIO excels in identifying issues and developing practical, efficient solutions.
• Adaptability: With the rapid evolution of technology, your fractional CTO/CIO should be flexible and capable of adjusting strategies as needed.
• Industry-Relevant Experience: Experience in similar sectors or industries can be invaluable, enabling the fractional CTO/CIO to understand better and navigate your specific challenges and opportunities.
• Strong Network: A well-connected fractional CTO/CIO can leverage a robust professional network, bringing additional resources and insights to your business.
While a fractional CTO/CIO can be a strategic asset, there are circumstances where hiring one may not be the most effective choice. Consider these scenarios before deciding:
• Need for Full-time Leadership: If your company’s technology demands constant, hands-on oversight, a full-time CTO or CIO may be necessary. However, an interim could fill the short- to medium-term requirement and also assist with the hiring process.
• Highly Specialised Technology: For businesses focused on niche or highly specialised technologies, a dedicated, full-time expert who is deeply engaged in the specific field may be more beneficial.
• Long-term Commitment Required: If enduring commitment and deep integration into company culture are crucial, a fractional CTO or CIO, who typically engages on a more temporary or part-time basis, might not be suitable.
• Limited Budget for Strategic Positions: Although hiring a fractional CTO or CIO is cost-effective, it still represents a significant investment. If budgets are very tight, reallocating existing resources or up-skilling internal staff may be a better option.
• Sufficient Internal Leadership: If your current team has the necessary skills and knowledge to manage strategic technology decisions, bringing in a fractional CTO/CIO could be unnecessary.
• Uncertainty about the Need: If you’re unsure whether a fractional CTO or CIO is right for your business, consider scheduling a consultation to discuss your needs and evaluate how external expertise could benefit your organisation (info@contineo.tech).
The cost of our company’s services depends on the complexity of the project.
To facilitate preliminary calculations, please don't hesitate to contact us to discuss all the details.
• Project-based fees
• Equity compensation
• Retainers
• Daily/Hourly and Fixed Term rates
• Pre-purchased days, which can be drawn down as/when required
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