Independent policy advisory
The world needs brave people to take brave decisions.
Brave Policy Advisory delivers independent advice that helps policymakers and organisations turn complex challenges into clear, timely action — across consumer empowerment, financial inclusion and sustainability.
What we do
Translating vision into practical policy, and policy into real-world impact.
Support policymakers
Helping governments, authorities and international bodies design brave, evidence-based policies that empower consumers, protect their rights and advance sustainability.
- Policy design and strategy development
- Stakeholder engagement and consensus building
- Hands-on implementation support and sustained partnership
Support organisations
Working with the private sector, associations, advocacy organisations and NGOs to shape policy debates and turn them into brave programmes that are responsible, inclusive and aligned with long-term sustainability goals.
- Implementation roadmaps
- Strategic advice and advocacy support
- Capacity building and training
Focus areas
A spectrum of work centred on people and the planet.
Consumer empowerment
Combining financial education, consumer protection and behavioural insights to provide people the confidence needed to make informed decisions and use their voice.
Financial inclusion
Expanding access to quality financial services for underserved individuals and communities.
Sustainability
Integrating environmental, social and economic sustainability into policy, projects and programmes.
About us — Bianca Isaincu, founder
Drawn to the hard, urgent questions
Economist by training and policy adviser by practice, Bianca has spent over 15 years shaping financial consumer protection, education, inclusion and sustainability at the OECD, the Alliance for Financial Inclusion and Child and Youth Finance International — across more than 20 countries in Europe, Southeast Asia, the Middle East and beyond.
She gravitates towards challenging and pressing topics that others hesitate to touch — issues she is passionate about, aligned with her values and worth working for. Independent, evidence-driven and unafraid of a strong position, she turns complex policy problems into brave, workable decisions.
About us — Sona Lalayan, Co-Founder
Turning evidence into policies that work
For almost 20 years, Sona has helped governments across Europe, Central Asia and Southeast Asia design and implement policies that improve people’s financial wellbeing. She turns evidence into practical reforms through policy analysis, international collaboration and stakeholder engagement. She is a central banker that understands what it takes to build national consensus and drive forward difficult reforms. In her experience at the Central Bank of Armenia and the OECD, she has shaped national strategies, built coalitions across government and industry, and supported countries in turning policy commitments into measurable outcomes.
Her expertise spans financial consumer behaviour, financial literacy, consumer protection, financial inclusion, digital finance and behavioural insights — skills she applies to broader public policy and governance challenges.
35
Years of expertise in international policy
30+
Countries advised on
6
Languages: English, French, Italian, Russian, Armenian, Romanian
Let's take brave decisions together
Whether you are shaping policy or implementing it, you can make a positive impact for people and the planet. Let us help you be brave.