AJAIInnovation & Finance

Financial Strategy • Business Innovation • Digital Solutions

Financial clarity.
Innovative thinking.
Solutions built around your business.

AJAI Innovation & Finance helps startups and growing businesses strengthen financial performance, uncover opportunities for innovation and transform business challenges into practical solutions.

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Positioning

AJAI brings together two disciplines businesses often need at the same time: financial discipline and innovative thinking.

Finance gives organisations clarity, financial discipline and stronger decision-making.

Innovation identifies possibilities, opportunities and new ways of solving business problems.

Digital solutions turn ideas into practical tools, products, platforms and applications.

Consulting pillars

Two complementary capabilities

Engagements can start in either pillar. Most businesses eventually need both.

Pillar 01

Financial Advisory & Strategy

Financial clarity, discipline and better decisions.

We build the planning, reporting and analysis a business needs to understand its own numbers — then use that structure to support decisions on cost, growth, cash and investment.

  • —Financial planning, budgeting and forecasting
  • —Financial modelling and scenario analysis
  • —Management reporting and KPI dashboards
  • —SaaS metrics: ARR, churn, CAC, LTV
  • —Cost optimisation and cash flow planning
  • —Financial governance, controllership and investor reporting
Financial in detail

Pillar 02

Innovation & Digital Solutions

Opportunities identified, tested and made real.

We enter a business without assuming what the answer is. We look for where value is being lost or missed, define the opportunity, and design the intervention — which may be a process change, a new business model, an automation, or a bespoke digital product.

  • —Innovation consulting and opportunity identification
  • —Business model and process innovation
  • —Digital strategy and transformation
  • —Automation and AI-assisted business solutions
  • —Bespoke applications, portals and internal systems
  • —Rapid prototyping and MVP development
Innovation in detail

How AJAI works

One method, applied to financial and innovation engagements alike

We do not arrive with a predetermined solution. The intervention follows the diagnosis.

01

Understand

We begin by understanding the organisation, its context, challenges and desired outcomes.

02

Diagnose

We examine the relevant financial, operational, strategic or digital environment.

03

Identify

We identify opportunities, constraints and possible solutions.

04

Design

We define the strategy, solution, system or intervention.

05

Build / Implement

Where required, AJAI builds the solution or supports implementation.

06

Refine

We test, review and improve.

07

Support

AJAI can continue supporting the business after delivery.

Selected projects

Currently in development

AJAI is a new practice. These engagements are under way rather than complete, and are presented as such.

Digital Product / Food Business

Coming up

PrepLab

Development of a digital customer experience for a meal-preparation business, designed to simplify customer interaction, ordering and business administration.

Community Platform / Booking

Coming up

TalkHub

Development of a digital platform supporting community activities including football, boxing, walking talks, bookings and event communication.

All projects

Why AJAI

What makes the combination useful

Two disciplines, one engagement

Financial discipline and innovative thinking are usually bought separately. Most business problems need both at the same time.

No predetermined answer

We do not arrive with a product to sell. The intervention follows the diagnosis, not the other way around.

Senior attention

Engagements are led directly by the founders. There is no layer between the analysis and the people doing it.

Able to build

When a solution needs to exist as a working system, we can design and build it rather than hand over a recommendation.

Who we are

Engagements are led by the founders

Financial advisory and innovation work are each led directly by the consultant responsible for it.

Juliana Magalhães Vilas Boas

Co-Founder | Finance & Strategy

More than ten years in finance across startups, SaaS businesses, corporate finance and growing companies — with a focus on FP&A, forecasting, financial modelling and financial governance.

Augusto do Carmo

Co-Founder | Innovation & Business Strategy

Entrepreneur and innovation consultant. Founded and spent more than a decade building a pioneering vegan distribution business in Brazil, and now works on opportunity identification, creative problem-solving and digital solutions.

Read the full profiles

Insights

Writing on innovation, creativity and financial strategy

Practical thinking on where businesses find opportunity, and how they build the financial structure to act on it.

Read Insights

Discovery

Start with a conversation about the business, not a brief about a deliverable.

The AJAI Discovery process asks about your context, your constraints and the outcome you need. It takes a few minutes, is available at any time, and gives us enough to respond with something useful.

Discuss Your Project