Spendlayer

The Financial Optimization Layer for E-commerce

Optimize the financial layer behind e-commerce margin.

Spendlayer reveals financial leakage across payments, FX, finance operations, software and spend infrastructure—then models which changes can improve margin with the least disruption.

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Current → optimized

One economic view across the stack.

SAMPLE DATA

Huidige opzet

  • Zakelijke kaartProvider A · 0,2% netto Ingevoerd
  • PaymentsProvider B · 1,64% effectief Berekend
  • FX1,2% geschatte kost Geschat
  • Boekhouding16 uur / maand Ingevoerd
  • SaaS€8.100 / maand Ingevoerd

Geschatte vermijdbare kost

€22,840 / jaar

Gemodelleerde opzet

  • Zakelijke kaartStructuur zonder cap · 0,75% netto Gemodelleerd
  • PaymentsAlternatief scenario · 1,40% Gemodelleerd
  • FX0,45% gemodelleerde kost Gemodelleerd
  • Boekhouding8 uur / maand Gemodelleerd
  • SaaS€7.450 / maand Gemodelleerd

Verwachte kans

€16,740 / jaar

Conservative

€18,420

Expected

€20,940

Maximum

€23,600

Product workflow

From current setup to observed outcome.

01

Understand current setup

Build a traceable baseline from your inputs and observed data.

02

Detect opportunities

Find material leakage without treating missing data as zero.

03

Model scenarios

Compare only eligible, compatible alternatives.

04

Optimize for minimal change

Prioritize practical value over needless migration.

05

Measure outcomes

Compare predicted impact with observed results after implementation.

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