Harmoney is a European RegTech provider with a clear mission: to make KYC and customer due diligence simpler, more transparent and more human for financial institutions. In a domain traditionally characterised by fragmented systems, heavy manual work and compliance-driven complexity, Harmoney positions itself as an enabling platform rather than just another compliance tool.

Their modular SaaS platform supports financial institutions across the full KYC lifecycle, from onboarding and risk assessment to ongoing monitoring and reporting, with a strong focus on usability, integration and auditability. Harmoney’s strength lies in combining regulatory depth with a product-first mindset. They build solutions that compliance teams can trust, and business teams actually want to use.

This resonates in a market facing increasing regulatory pressure, rising operational costs and growing expectations around customer experience. Harmoney’s ambition goes beyond ticking the box. It is about professionalising and future-proofing how KYC is organised and delivered.

At the same time, customer reality is complex. Most financial institutions rely on multiple legacy systems to cover different parts of the KYC value chain. As a result, Harmoney’s entry point differed constantly per customer and per deal, depending on which part of the process needed improvement first.

Commercially, this led to a highly modular product structure combined with founder-led, bespoke pricing. Every deal was different. While this created flexibility, it also meant pricing lacked consistency, scalability and explainability. Each proposal became an art, rather than a repeatable configuration.

Together with the Harmoney team, we set out to bring structure without losing the flexibility that made Harmoney successful. We started by jointly mapping customer use cases, value drivers and buying logics across segments. This was done in close collaboration with founders, product and sales, grounding every design choice in real customer conversations and live deals.

Applying Newalpha’s generic packaging and pricing framework, we identified four viable packaging directions. Through iterative workshops, simulations and testing against real opportunities, a hybrid model emerged as the most effective. A Good–Better–Best structure was introduced to create clear commercial anchors and upgrade paths. This was combined with a modular layer, where each tier allows a maximum number of modules. The number of modules increases progressively from basic to more enterprise-oriented packages. To preserve flexibility without reverting to bespoke pricing, we designed a structured add-on menu. This allows customers to extend their core package with clearly priced additional capabilities, while keeping the overall model standardised and scalable.

In parallel, we redesigned the usage-based pricing logic. Instead of flat tiers, we introduced a progressive volume structure, where unit prices decrease stepwise as volumes increase. This better reflects how value scales in practice, while keeping the model intuitive and defensible in sales conversations. The full pricing model was thoroughly backtested against historical deals, live pipeline and future growth scenarios. This ensured commercial robustness, realistic revenue outcomes and internal confidence before rollout.

Crucially, this was a co-creation process. The model was not designed in isolation, but built together, shaped by Harmoney’s product philosophy, customer reality and growth ambitions.

The new pricing and packaging structure fundamentally changed how Harmoney goes to market.

Sales can now configure prices independently, without continuous founder involvement. Pricing is consistent yet flexible, and far more aligned with how customers perceive and realise value. The model is transparent and explainable, both internally and externally.

Instead of defending bespoke numbers, sales teams can take customers on a clear journey. They can explain how their specific configuration leads to a specific price, and how that price evolves as usage and maturity grow.

Early results show less friction in sales conversations, stronger value positioning and increased sales velocity. With this new commercial foundation, Harmoney is now set up for its next growth phase. It can scale beyond founder-led deals, support a professional sales cycle, and monetise value in a way that customers recognise, understand and trust.