Expert thinking on productivity, intangible asset valuation, growth strategy, and building more valuable businesses.
At Capital.com, half the organisation was technology and the operational team was small. That operating model isn't fintech-specific — it's the template for any business where work can be turned into code. What it actually requires is a full redesign, not a workforce cut.
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A step-by-step guide to the Cost approach to intangible asset valuation — the method used to value assembled workforce, internally developed software, and proprietary databases. Learn the difference between replacement and reproduction cost, the role of obsolescence and developer's profit, and how the Asset Valuator module in Opagio Intangibles runs a defensible Cost valuation.
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A practical guide to the reports the Opagio Intangible Asset Valuator produces — Excel workbooks for valuers, branded PDF reports for boards and data rooms, methodology audit trails, and the single source of truth that survives diligence.
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The standard AI business case treats deployment as a headcount substitution. It misses that AI is a capital formation event. Six intangible assets move in a single project. Measuring by cost savings captures one. The other five decide whether the investment compounds.
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A practical guide to populating the Opagio Intangible Asset Valuator with real financial data — Xero and QuickBooks connections, CSV uploads from any system, the chart-of-accounts mapping layer, and how the same source feeds every valuation method.
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A step-by-step guide to the Multi-Period Excess Earnings Method (MPEEM) — the income approach used to value customer relationships, order backlog, and other primary income-producing intangibles. Learn the theory, the inputs, the contributory asset charges, and how the Asset Valuator module in Opagio Intangibles runs a defensible MPEEM valuation.
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Twenty-five years building heavily automated fintech businesses taught me things about the AI transformation conversation that aren't being said. Automation isn't a zero-sum trade. Regulated domains automate faster than unregulated ones. And the intangible portfolio decides whether it compounds.
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Brand value in renewables sits across utility-scale developer reputation, residential DTC trust and ESG-fund signalling. A practitioner guide to where brand carries enterprise value in clean energy businesses and how to size it.
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Cleantech patent valuation is method-sensitive. RFR for licensable IP, MPEEM for embedded technology, With-and-Without for retention-sensitive relationships. A practitioner guide across solar, wind, storage and hydrogen with UK / US / EU jurisdictional notes.
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Clean energy project finance treats the panels, turbines and grid connections as the value story. The intangibles — PPAs, REC contracts, grid rights, patented technology, brand — frequently carry more enterprise value than the hardware. A practitioner guide for PE/infrastructure investors and CFOs.
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Solar project finance has always been a tangible-asset story. The 2025-2026 shift is the explicit inclusion of intangibles — PPAs, grid rights, brand, patented technology — in DSCR analysis and lender-of-record security structures. A practitioner view.
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UK IP-backed lending pilots from major clearing banks now explicitly accept cleantech IP as collateral. A practitioner guide to what founders need to bring — patent register, fair-value evidence, structural framework — to move debt sizing on their own terms.
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