A strategic pillar is one of the few goals that will get a company to its vision.

In the Headwater method, a company has three to five pillars. Step one of the method

Two pillars

One company

Three pillars

60 companies

Four pillars

55 companies

Five pillars

Nine companies

Six pillars

Three companies

Eight pillars

One company

Products and research

58 companies, 67 pillars

A pillar in this group is about what the company makes and sells, or the research behind it.

  • Coca-Cola
    • A total beverage company

  • Fonterra
    • Innovate to drive our advantage

  • Grupo Bimbo
    • Baked For You

  • McDonald’s
    • Commit to the Core

  • PepsiCo
    • Expansive innovation

  • Red Bull
    • The original can

  • Coles
    • Destination for food, drink and everyday essentials

  • Kingfisher
    • Win through our offer, own exclusive brands and services

  • Sainsbury’s
    • First Choice for Food

      Put more of Sainsbury’s food range into more of its stores, and grow its share of the grocery market by volume.

  • Tesco
    • Winning in food

    • Meeting more everyday needs

  • Woolworths Group
    • First choice for the freshest Australian food

      Woolworths has five levers for this: fresh food, products people love, the easiest ways to shop, value, and execution.

  • Decathlon
    • In-house design

  • H&M Group
    • An elevated product offering

      Products centred on fashion and quality.

  • Inditex
    • A unique product proposition

  • lululemon
    • Product creation

  • Nike
    • Product management

  • On
    • Advance the running franchises

    • Expand apparel

  • Uniqlo
    • LifeWear

      LifeWear is everyday clothing made from high-quality, functional materials, at affordable prices.

  • L’Oréal
    • Innovation

  • LVMH
    • Quality and craft

  • P&G
    • Superiority on five fronts

  • Pandora
    • Design

      Pandora is making fewer, bigger launches, designed to sell at scale.

  • The Estée Lauder Companies
    • Create transformative innovation

      Fast-to-market, on-trend launches across prestige price tiers.

  • Disney
    • Invest in IP and creativity

  • Formula 1
    • The racing

  • Games Workshop
    • Make the best miniatures

  • LEGO Group
    • Innovating the brand and play

  • Netflix
    • Delivering more entertainment value

  • Nintendo
    • Switch 2 in its second year

    • Research and financial strength

  • Sony Group
    • Create IP

    • Extend IP everywhere

      Sony calls this “IP 360”: taking each IP beyond the medium it started in.

    • Creation technology

  • Spotify
    • Multiplayer and interactive

      Move from listening alone and passively to listening together and taking part.

  • Airtel Africa
    • Scale home broadband (HBB) and enterprise

      Reliable, resilient 5G and fibre connections for homes and businesses, and data centres.

  • AMD
    • Extend Compute Technology Leadership

      CPUs, GPUs, FPGAs, networking, systems on chips, chiplets, and packaging.

  • ASML
    • Extend our technology and holistic product leadership

      Integrate hardware, software and emerging solutions to create industry-defining products for our stakeholders.

  • Atlassian
    • System of Work

  • Grab
    • Groceries

      A weekly grocery order raises how often people order and how much they spend.

  • Nvidia
    • The platform

  • TSMC
    • Technology Leadership

  • Xero
    • Win the 3x3

  • BYD
    • Batteries and charging

      BYD makes the battery, the charger, and the driver assistance itself, and sells the result at every price.

  • Singapore Airlines
    • Product Leadership

  • Tesla
    • Labor

      Bots, starting with Optimus, a general-purpose humanoid robot.

  • Toyota
    • Many powertrains

  • Uber
    • Cross-platform strategy

      One app and one membership for rides, food, groceries, and other deliveries.

  • Volkswagen Group
    • Reduce complexity

      Fewer models and variants, aimed more closely at customers in each region.

    • Intensify the focus on technologies

      Fewer platforms and electronic architectures.

  • Whitbread
    • Accelerating Growth Plan

  • Boeing
    • Build a new future

  • Rolls-Royce
    • Strategic initiatives

      Deepen Rolls-Royce’s advantage in widebody engines, business aviation, combat and transport aircraft, and mobile and stationary power systems.

  • Schneider Electric
    • Technology leadership

  • AstraZeneca
    • Twenty new medicines

    • Growth beyond 2030

  • CSL
    • Research & Development

  • Eli Lilly
    • Pipeline and acquisitions

  • Novo Nordisk
    • Grow and diversify pipeline

  • Philips
    • Platform-based innovation

  • Roche
    • Transformative medicines

    • R&D excellence

  • BlackRock
    • Keep alpha at the heart of BlackRock

      Investment performance across active, private markets, index, and cash strategies.

  • Revolut
    • Best-in-class products

  • Vanguard
    • Active bonds at index-like prices

    • Advice, cash, and proxy voting

In the Headwater method, each pillar is named after something the company wants to achieve, and never after a department. Step one of the method

“Growth”

33 companies, 41 pillars

Pillar names with growth, grow, or growing.

  • Greggs
    • Growing and developing the Greggs estate
  • Heineken
    • Accelerate Growth
  • Jollibee Foods
    • Capital-light growth
  • Nestlé
    • Growth led by volume
    • Fuel for Growth
  • Red Bull
    • Growth markets
  • Starbucks
    • Be visible, relevant, growing, and loved everywhere
  • Falabella
    • Accelerate profitable growth across our five businesses
  • Kingfisher
    • Grow our trade business
    • Grow our banners and formats
  • M&S
    • Reinvest for growth
  • Wesfarmers
    • Secure growth opportunities through entrepreneurial initiative
  • Woolworths Group
    • Grow complementary businesses and services
  • Uniqlo
    • Grow outside Japan
  • Natura
    • Grow the Natura brand
  • The Estée Lauder Companies
    • Fuel sustainable growth through bold efficiencies
  • Atlassian
    • Driving durable, profitable growth
  • Grab
    • Durable on-demand growth
  • Safaricom
    • Protect and grow the core
  • Whitbread
    • Accelerating Growth Plan
  • Aramco
    • Diversified growth
  • Holcim
    • Sustainability driving profitable growth
  • Shell
    • Grow our integrated gas and LNG business
  • Siemens
    • Grow digital
    • Grow regions
    • Grow verticals
    • Grow AI
  • AstraZeneca
    • Grow today’s medicines
    • Growth beyond 2030
    • Decouple carbon from growth
  • Novo Nordisk
    • Grow and diversify pipeline
    • Drive sustainable growth
  • Roche
    • Commercial growth
  • Allianz
    • Smart growth
  • AXA
    • Growth
  • Bancolombia
    • Growth in strategic markets
  • BlackRock
    • Drive growth in ETFs, private markets, and technology
  • Credicorp
    • Prioritizing Leading Market Positions in Underpenetrated Markets with Clear Growth Avenues
  • DBS
    • Scale the structural growth engines
  • Nubank
    • Grow the Nu ecosystem
  • Revolut
    • Profitable growth

Food and drink

  • Coca-Cola
    1. 1Concentrate and bottling partners
    2. 2A total beverage company
    3. 3Value share
  • Fonterra
    1. 1Deliver the strongest farmer offering
    2. 2Unleash our Ingredients engine
    3. 3Keep momentum in Foodservice
    4. 4Invest in operations for the future
    5. 5Build on our sustainability position
    6. 6Innovate to drive our advantage
  • Greggs
    1. 1Broadening customer appeal and driving loyalty
    2. 2Growing and developing the Greggs estate
    3. 3Developing our digital channels
    4. 4Expanding our evening trade
    5. 5Investing in our supply chain and technology for a bigger business
  • Grupo Bimbo
    1. 1Baked For You
    2. 2Baked For Life
    3. 3Baked For Nature
    4. 4Transformation in North America
  • Heineken
    1. 1Accelerate Growth
    2. 2Step Up Productivity
    3. 3Focus Future-Fit
  • Jollibee Foods
    1. 1Spinning off the international business
    2. 2Capital-light growth
    3. 3Build, scale, and optimise ownership
    4. 4International expansion
  • McDonald’s
    1. 1Maximize our Marketing
    2. 2Commit to the Core
    3. 3Double Down on the 4Ds
  • Nestlé
    1. 1Growth led by volume
    2. 2Four core businesses
    3. 3Fuel for Growth
  • PepsiCo
    1. 1Sharper everyday value
    2. 2Expansive innovation
    3. 3Aggressive cost reduction
    4. 4Disciplined capital allocation
  • Red Bull
    1. 1Core markets
    2. 2Growth markets
    3. 3The original can
  • Starbucks
    1. 1Offer the best job in retail
    2. 2Be the world’s greatest customer service company
    3. 3Be the community coffeehouse
    4. 4Be visible, relevant, growing, and loved everywhere
  • Yum! Brands
    1. 1Battle for the future consumer
    2. 2Accelerate restaurant unit economics
    3. 3Reach the full potential of Byte by Yum!

Retail

  • Aldi UK
    1. 1Everyday low prices
    2. 2More stores
    3. 3Buying and distribution
  • Coles
    1. 1Destination for food, drink and everyday essentials
    2. 2Accelerated by digital
    3. 3Delivered consistently for the future
  • Costco
    1. 1Low prices, limited selection
    2. 2Membership
    3. 3More warehouses
  • Falabella
    1. 1Deepen our ecosystem advantage
    2. 2Accelerate profitable growth across our five businesses
    3. 3Leverage data, technology and AI to enhance customer value
    4. 4Maintain disciplined capital allocation and operational excellence
  • IKEA
    1. 1Affordable
    2. 2Accessible
    3. 3Sustainable
  • Kingfisher
    1. 1Grow our trade business
    2. 2Scale our digital ecosystem
    3. 3Win through our offer, own exclusive brands and services
    4. 4Grow our banners and formats
  • M&S
    1. 1Food
    2. 2Fashion, Home & Beauty
    3. 3International
    4. 4Reinvest for growth
  • Mercado Libre
    1. 1Commerce
    2. 2Fintech
    3. 3One ecosystem
  • Sainsbury’s
    1. 1First Choice for Food
    2. 2Loyalty Everyone Loves
    3. 3More Argos, More Often
    4. 4Save and Invest to Win
  • Shoprite
    1. 1Shoprite and Usave
    2. 2Checkers and Checkers Hyper
    3. 3Sixty60
    4. 4Adjacent businesses
  • Tesco
    1. 1Winning in food
    2. 2Meeting more everyday needs
    3. 3Most strategic partner for suppliers
    4. 4Connected, personalised, and loved
    5. 5Long-term business sustainability
  • The Home Depot
    1. 1Drive our core and culture
    2. 2Deliver a frictionless interconnected customer experience
    3. 3Win with Pros
  • Wesfarmers
    1. 1Strengthen existing businesses through operating excellence and satisfying customer needs
    2. 2Secure growth opportunities through entrepreneurial initiative
    3. 3Renew the portfolio through value-adding transactions
    4. 4Ensure sustainability through responsible long-term management
  • Woolworths Group
    1. 1First choice for the freshest Australian food
    2. 2Improve returns in New Zealand Food and BIG W
    3. 3Grow complementary businesses and services
  • Zalando
    1. 1Business-to-Consumer
    2. 2Business-to-Business

Fashion and sport

  • adidas
    1. 1Global brand with a local mindset
    2. 2Speed and agility
    3. 3Healthy balance between channels
    4. 4Brand heat
    5. 5Brand message on the joy of sport
  • ASICS
    1. 1Performance Running
    2. 2Core Performance Sports
    3. 3SportStyle
    4. 4Onitsuka Tiger
  • Decathlon
    1. 1In-house design
    2. 2Production, logistics, and stores
    3. 3Sport for a billion people
  • Gymshark
    1. 1Stores
    2. 2Partners
    3. 3Reinvestment and control
  • H&M Group
    1. 1An elevated product offering
    2. 2An improved shopping experience
    3. 3Development of our brands
  • Inditex
    1. 1A unique product proposition
    2. 2The customer experience
    3. 3Sustainability
    4. 4Talent and commitment
  • lululemon
    1. 1Product creation
    2. 2Product activation
    3. 3Enterprise efficiency
  • Nike
    1. 1Product management
    2. 2Marketplace management
    3. 3Brand management
  • On
    1. 1Scale LightSpray
    2. 2Advance the running franchises
    3. 3Expand apparel
    4. 4Elevate the brand in every channel
  • Shein
    1. 1Test small, reorder fast
    2. 2Marketplace and services for other brands
    3. 3Fulfilment near customers
  • Uniqlo
    1. 1LifeWear
    2. 2Grow outside Japan
    3. 3¥10 trillion a year

Consumer goods

  • Haier
    1. 1Smart home appliances
    2. 2HVAC
    3. 3AI
  • Hermès
    1. 1In-house production
    2. 2Distribution
    3. 3Sixteen métiers
  • Kering
    1. 1Reignite desirability
    2. 2Reinforce operational excellence
    3. 3Lead the next era of luxury
  • L’Oréal
    1. 1Innovation
    2. 2High-growth markets
    3. 3Beauty Tech
    4. 4Operations
  • LVMH
    1. 1Develop each Maison for the long term
    2. 2Quality and craft
    3. 3Six business groups
  • Natura
    1. 1Lead in Latin America
    2. 2Grow the Natura brand
    3. 3Relaunch Avon
    4. 4Regeneration
  • P&G
    1. 1Categories where performance wins
    2. 2Superiority on five fronts
    3. 3Productivity and the two-year plan
  • Pandora
    1. 1Brand
    2. 2Design
    3. 3Markets
    4. 4Personalisation
  • The Estée Lauder Companies
    1. 1Accelerate best-in-class consumer coverage
    2. 2Create transformative innovation
    3. 3Boost consumer-facing investments
    4. 4Fuel sustainable growth through bold efficiencies
    5. 5Reimagine the way we work
  • Unilever
    1. 1Desire at Scale
    2. 2Play to Win
    3. 3Fit for AI Age

Entertainment

  • Disney
    1. 1Invest in IP and creativity
    2. 2Use technology to raise returns
    3. 3Reach more people, as One Disney
    4. 4Returns and capital
  • Formula 1
    1. 1Commercial rights
    2. 2Fans
    3. 3The racing
    4. 4Impact
  • Games Workshop
    1. 1Make the best miniatures
    2. 2Sell through three channels
    3. 3Licensing and cash
  • LEGO Group
    1. 1Innovating the brand and play
    2. 2Brand experiences
    3. 3A bigger global footprint
    4. 4A more sustainable future
  • Netflix
    1. 1Delivering more entertainment value
    2. 2Leveraging technology
    3. 3Improving monetization
  • Nintendo
    1. 1Switch 2 in its second year
    2. 2Characters beyond the console
    3. 3Research and financial strength
  • Sony Group
    1. 1Create IP
    2. 2Cultivate IP with fans
    3. 3Extend IP everywhere
    4. 4Creation technology
  • Spotify
    1. 1Power law
    2. 2Multiplayer and interactive
    3. 3Generation
    4. 4Time well spent

Technology

  • Airtel Africa
    1. 1Strengthen ‘Go-to-market’
    2. 2Brilliant network experience
    3. 3Must win markets
    4. 4Digitise and simplify
    5. 5Accelerate Airtel Money
    6. 6Scale home broadband (HBB) and enterprise
  • Alibaba
    1. 1AI models
    2. 2AI chips
    3. 3AI cloud
    4. 4E-commerce
  • AMD
    1. 1Extend Compute Technology Leadership
    2. 2Expand Data Center Leadership
    3. 3Open Software Platforms & Developer Enablement
    4. 4Powering AI Everywhere
  • Arm
    1. 1License the architecture
    2. 2Sell the subsystem
    3. 3Make the chip
  • ASML
    1. 1Deepen customer trust
    2. 2Extend our technology and holistic product leadership
    3. 3Strengthen ecosystem relationships
    4. 4Create an exceptional workplace
    5. 5Drive operational excellence
    6. 6Deliver on ESG sustainability
  • Atlassian
    1. 1Enterprise
    2. 2AI
    3. 3System of Work
    4. 4Driving durable, profitable growth
  • BT Group
    1. 1Build
    2. 2Connect
    3. 3Accelerate
  • Grab
    1. 1Durable on-demand growth
    2. 2Groceries
    3. 3Financial services
    4. 4Electric and autonomous vehicles
    5. 5AI across the business
  • Infosys
    1. 1AI first services
    2. 2AI augmented services
    3. 3Platforms and partnerships
    4. 4Talent
  • MTN Group
    1. 1Connectivity
    2. 2Fintech
    3. 3Digital Infrastructure
  • Nvidia
    1. 1The platform
    2. 2AI factories for more customers
    3. 3Physical AI and the edge
    4. 4Securing the buildout
  • Safaricom
    1. 1Protect and grow the core
    2. 2Accelerate the transition to TechCo
    3. 3Boost and evolve Ethiopia
    4. 4Unlock value through innovative delivery models
  • Salesforce
    1. 1Revenue to FY30
    2. 250 by FY30
    3. 3The Agentic Enterprise
  • Samsung Electronics
    1. 1Memory
    2. 2Chip design and foundry
    3. 3Devices
  • SAP
    1. 1Joule, the engagement layer
    2. 2SAP Autonomous Suite, the execution layer
    3. 3SAP Business AI Platform, the foundation
  • Shopify
    1. 1Commerce in the AI era
    2. 2Every kind of business
    3. 3Payments and the business model
  • Tencent
    1. 1Accelerating progress
    2. 2Leading in productivity AI
    3. 3Driving broader adoption of consumer AI
    4. 4Investing in AI infrastructure
  • TSMC
    1. 1Technology Leadership
    2. 2Manufacturing Excellence
    3. 3Customer Trust
  • Xero
    1. 1Win the 3x3
    2. 2A winning GTM playbook
    3. 3Focused bets to win the future
    4. 4Unleash Xero(s) to win
  • Xiaomi
    1. 1Phones and the home
    2. 2Cars
    3. 3Core technology and AI

Transport and travel

  • BYD
    1. 1Batteries and charging
    2. 2Overseas
    3. 3Five brands
  • easyJet
    1. 1Building Europe’s best network
    2. 2Strengthening revenue
    3. 3Delivering ease and reliability
    4. 4Driving our low-cost model
  • Ethiopian Airlines
    1. 1Passenger and Cargo Transport and Logistics
    2. 2Airport Management and Ground Services
    3. 3MRO and Aerospace Manufacturing
    4. 4Aviation Training
  • LATAM Airlines
    1. 1Dedicated to providing the best solutions to our customers
    2. 2Being a financially strong and healthy airline group
    3. 3Embracing challenges of the future
  • Maersk
    1. 1Logistics & Services
    2. 2Terminals
    3. 3Ocean
  • Michelin
    1. 1Tires
    2. 2Connected solutions
    3. 3Polymer composite solutions
  • Qantas
    1. 1Dual brand strategy
    2. 2Fleet renewal
    3. 3Qantas Loyalty
    4. 4Transformation
  • Singapore Airlines
    1. 1Service Excellence
    2. 2Product Leadership
    3. 3Network Connectivity
    4. 4Multi-hub strategy
  • Tesla
    1. 1Labor
    2. 2Mobility
    3. 3Energy
  • Toyota
    1. 1Many powertrains
    2. 2Five brands
    3. 3Software and robotics
  • Uber
    1. 1Cross-platform strategy
    2. 2Autonomous vehicles
    3. 3Three-year outlook
    4. 4Capital allocation
  • Volkswagen Group
    1. 1Reduce complexity
    2. 2Intensify the focus on technologies
    3. 3Reduce overcapacities
    4. 4Strengthen regional responsibility
    5. 5Streamline the investment portfolio
    6. 6Increase operational excellence
    7. 7Reward performance
    8. 8Simplify Group steering
  • Whitbread
    1. 1UK and Ireland network
    2. 2Accelerating Growth Plan
    3. 3Germany

Industry and energy

  • Airbus
    1. 1Commercial Aircraft
    2. 2Defence and Space
    3. 3Helicopters
    4. 4Cash and shareholders
  • Aramco
    1. 1Upstream preeminence
    2. 2Downstream integration
    3. 3Diversified growth
  • BASF
    1. 1Focus
    2. 2Accelerate
    3. 3Transform
    4. 4Win
  • BHP
    1. 1Being excellent at operations
    2. 2Discovering and developing resources
    3. 3Acquiring the right assets and options
    4. 4Capital allocation
  • Boeing
    1. 1Change the culture
    2. 2Stabilize the business
    3. 3Improve program execution
    4. 4Build a new future
  • bp
    1. 1Strengthening the balance sheet
    2. 2Simplifying the portfolio
    3. 3Investing with greater discipline
    4. 4Driving operational excellence
    5. 5Hardwiring high-performance and accountability into bp
  • Caterpillar
    1. 1Power & Energy
    2. 2Construction Industries
    3. 3Resource Industries
    4. 4Services, digital, and technology
  • Embraer
    1. 1Commercial Aviation
    2. 2Executive Aviation
    3. 3Defense & Security
    4. 4Services & Support
  • Hitachi
    1. 1Energy
    2. 2Mobility
    3. 3Connective Industries
    4. 4Digital Systems & Services
  • Holcim
    1. 1Focused investment in attractive markets
    2. 2Sustainability driving profitable growth
    3. 3Expanding high-value Building Solutions
    4. 4Performance culture and value creation
  • Ørsted
    1. 1Strengthen the capital structure
    2. 2Deliver the 8.1 GW construction portfolio
    3. 3Allocate capital with discipline
    4. 4Improve competitiveness
  • Petrobras
    1. 1Exploration and Production
    2. 2Refining, Transportation, and Marketing
    3. 3Gas and Low-Carbon Energies
  • Rio Tinto
    1. 1Operational excellence
    2. 2Project execution
    3. 3Capital discipline
  • Rolls-Royce
    1. 1Portfolio choices and partnerships
    2. 2Strategic initiatives
    3. 3Efficiency and simplification
    4. 4Lower carbon and digitally enabled businesses
  • Schneider Electric
    1. 1Technology leadership
    2. 2Customer differentiation
    3. 3Operational excellence
    4. 4Sustainability Impact 2030
  • Shell
    1. 1Grow our integrated gas and LNG business
    2. 2Keep liquids production stable
    3. 3Transform Downstream, Renewables and Energy Solutions
  • Siemens
    1. 1Grow digital
    2. 2Grow regions
    3. 3Grow verticals
    4. 4Grow AI
  • Tata Group
    1. 1Silicon
    2. 2Connectivity and AI
    3. 3Energy
    4. 4Aviation and defence

Health

  • AstraZeneca
    1. 1Grow today’s medicines
    2. 2Twenty new medicines
    3. 3Growth beyond 2030
    4. 4Decouple carbon from growth
  • Cleveland Clinic
    1. 1Care for patients
    2. 2Care for caregivers
    3. 3Care for community
    4. 4Care for the organization
  • CSL
    1. 1Research & Development
    2. 2Operating Model
    3. 3Plasma Network
    4. 4CSL Seqirus
  • Eli Lilly
    1. 1New medicines at scale
    2. 2Pipeline and acquisitions
    3. 3Manufacturing capacity
    4. 4Access and affordability
  • EssilorLuxottica
    1. 1AI glasses
    2. 2Hearing and medtech
    3. 3Core eye care
  • NHS
    1. 1From hospital to community
    2. 2From analogue to digital
    3. 3From sickness to prevention
  • Novo Nordisk
    1. 1Grow and diversify pipeline
    2. 2Drive sustainable growth
    3. 3Deliver attractive returns
  • Philips
    1. 1Segment-specific strategies
    2. 2Platform-based innovation
    3. 3Disciplined execution
  • Roche
    1. 1Transformative medicines
    2. 2R&D excellence
    3. 3Commercial growth
    4. 4Diagnostics

Finance

  • Allianz
    1. 1Smart growth
    2. 2Reinforced productivity
    3. 3Strengthened resilience
  • American Express
    1. 1Premium consumers
    2. 2Commercial payments
    3. 3The global network
    4. 4A global position
    5. 5Reimagined experiences
  • AXA
    1. 1Growth
    2. 2Technical excellence
    3. 3Efficiency
  • Bancolombia
    1. 1The holding company
    2. 2Growth in strategic markets
    3. 3Digital businesses
    4. 4Business with purpose
  • BlackRock
    1. 1Keep alpha at the heart of BlackRock
    2. 2Drive growth in ETFs, private markets, and technology
    3. 3Be the global leader in sustainable investing
    4. 4Lead as a whole portfolio advisor
  • Credicorp
    1. 1Prioritizing Leading Market Positions in Underpenetrated Markets with Clear Growth Avenues
    2. 2Scaling an Integrated Digital Ecosystem
    3. 3Unlocking Synergies by Leveraging Shared Capabilities Across the Ecosystem
    4. 4Delivering Strong, Resilient Returns Across Economic Cycles
  • DBS
    1. 1An AI-enabled bank with a heart
    2. 2One Bank for our customers
    3. 3Scale the structural growth engines
    4. 4Strengthen resilience
    5. 5Advance sustainable banking
  • Klarna
    1. 1A wider network
    2. 2Deeper engagement
    3. 3Better economics on every transaction
  • Mastercard
    1. 1Consumer payments
    2. 2Commercial and new payment flows
    3. 3Services and other solutions
  • Nubank
    1. 1Grow the Nu ecosystem
    2. 2Enhance the Nu platform
    3. 3Expand into new markets
  • Revolut
    1. 1Primary account
    2. 2Best-in-class products
    3. 3Security and trust
    4. 4Profitable growth
    5. 5New markets
  • Vanguard
    1. 1Mutual ownership and low cost
    2. 2Active bonds at index-like prices
    3. 3Advice, cash, and proxy voting
  • Visa
    1. 1Consumer payments
    2. 2Commercial and money movement solutions
    3. 3Value-added services

Company names and trade marks belong to their owners. Headwater is not connected with the companies here.