Independent advisory for boards, investors and ambitious companies. Every deal, risk and strategy has a surface that everyone sees. We work beneath it — and turn what we find into decisions that hold.
Every engagement starts the same way: we take what is presented, test it, and bring back what actually drives the outcome.
A headline price for the business you want to buy.
Normalised earnings, working-capital traps and the debt that isn't on the balance sheet.
An AI tool that promises to transform the bank.
The data, controls and three use cases that will actually pay back this year.
A clean audit report and a policy for everything.
The controls that fail in practice, and the fixes regulators will look for next.
You work directly with experienced advisers from the first meeting to the final recommendation — no hand-offs to junior staff.
Growth and vision above the line. Depth and assurance beneath it. Select a practice to see the detail.
Our slogan is our method. Every engagement moves through the same three stages, from your ambition to a result you can defend.
We start with what you want to achieve — the acquisition, the growth target, the clean audit — and agree what success looks like in numbers.
We test the facts beneath the surface: financials, controls, data and people. You get findings, not just observations.
We turn findings into decisions: a price, a plan, a control fix or a roadmap — and stay until it is implemented.
Senior consultants, augmented by INSAITIV's own agents and AI tools — trained on 30+ years of field experience, with every result reviewed by a consultant.
A few recent engagements. Client names are withheld; details are shared in conversation.
Four practices that work together. Most clients start with one question — a deal, a regulator, a growth plan — and find the answer touches all four.
Each case follows the same shape: what was visible at the start, what we found beneath it, and the decision it led to. Names are withheld for confidentiality.
Short, practical notes for boards, CFOs and investors in the region. No jargon, one idea per article.
Most AI projects in banking fail on data and governance, not technology. A one-page test boards can run before any vendor meeting.
Where value hides — and leaks — between the information memorandum and the signing table.
How audit committees can get decisions, not only findings, from their third line.
The assumptions banks test first, and how to build a plan that survives credit committee.
INSAITIV is an independent advisory firm founded by Elvis Ziu, with 30 years of experience in senior management and financial advisory and a background at PwC. We work with banks, investors and businesses across markets and borders.
We stay small on purpose. Every engagement is led by a senior adviser who has sat on both sides of the table — as consultant and as manager — and who will still be there when the recommendation has to be implemented.
We have no products to sell and no audit relationships to protect. Our only interest is the right answer.
Every conclusion is traceable to the numbers, documents and interviews behind it.
Boards get findings they can act on, not 200 slides of observations.
We stay involved until the decision is made and the change is in place.
Our teams combine senior consultants with agents and AI tools that INSAITIV trains and customises on more than 30 years of field experience. Each engagement gets the mix that fits the task.
Every engagement is led by a senior adviser and staffed with experienced consultants and specialists in finance, audit, risk, strategy and technology, brought in as the work requires. They set the questions, judge the evidence and own the recommendation.
Our agents are not off-the-shelf. INSAITIV trains and customises them on our methods, checklists and lessons from 30+ years of real engagements, so they extract, test and reconcile the way our consultants would — and every result is reviewed by a consultant.
Senior consultants lead and decide; agents take on data extraction, document review and reconciliations.
Agents run analyses in parallel while consultants challenge, interpret and decide what the findings mean.
Agents carry out high-volume, repeatable tests; a consultant reviews and signs off every result.
Tell us what you are facing. We reply within one working day, and the first conversation is always without commitment.
hello@insaitiv.com