Fintech Innovation
Build secure, compliant, and user-friendly Fintech products with an experienced fractional CTO. I guide you through payments, digital banking, robo-advisory, RegTech, and tokenized assets with a focus on measurable outcomes and regulator-ready architectures.
My Comprehensive Fintech Expertise
From market entry to post-launch scaling, I deliver Fintech programs that balance innovation with compliance and reliability.
"Great Fintech products hide complexity, automate compliance, and earn user trust every time they move money."
— Artem Zaitsev
Digital Payment Platforms
High-performance gateways, e-wallets, and P2P systems with PCI DSS controls, treasury reconciliation, and dispute workflows.
Investment & WealthTech
Robo-advisors, trading bots, and personalized wealth tools powered by AI-driven analytics and explainable decision engines.
RegTech Automation
KYC/AML orchestration, transaction monitoring, and reporting pipelines that keep regulators satisfied and teams efficient.
DeFi & Tokenized Assets
Protocols, DEX integrations, and tokenization programs that expand reach while respecting legal and security boundaries.
My Fintech Product Development Lifecycle
A repeatable lifecycle that de-risks Fintech launches — from discovery through enterprise-grade operations.
Market Analysis & Regulatory Deep Dive
Align the product vision with customer needs and frameworks such as PSD2, GDPR, MiFID II, or state-by-state licensing.
UX-Led Prototyping & Security by Design
Design intuitive experiences while embedding threat models, data encryption patterns, and fraud defenses early.
Robust & Auditable Development
Code to bank-grade standards with automated tests, logging, and audit trails that satisfy internal and external reviewers.
Strategic Integration & Scalable Deployment
Connect to core banking, card processors, data vendors (Plaid, Stripe, Truelayer) and deploy on resilient cloud architectures.
Key Technologies & Security Standards
Technology stack and controls tailored for regulated environments.
Secure Backend & API Engineering
Go, Python, Java, Spring Boot, and Node.js services with OAuth2, HSMs, and fine-grained access control.
Modern Frontend & Mobile Apps
React, Next.js, Angular, Swift, Kotlin, and React Native experiences with biometric auth and accessibility baked in.
Cloud Infrastructure & DevSecOps
AWS, GCP, Azure with Terraform, CI/CD, runtime monitoring, and incident playbooks that satisfy SOC 2, ISO 27001, or PCI DSS.
Your Strategic Partner in Fintech Disruption
Guidance that marries deep technical execution with financial domain expertise.
Navigating Complexity with Expertise
I translate regulatory, legal, and market constraints into actionable architectures so your team ships faster.
Building Trust & Ensuring Scalability
I focus on products users trust, backed by secure, observable systems that scale with business volume.
Ready to discuss your Fintech Innovation?
Let’s explore how your Fintech initiatives can move faster with on-demand CTO leadership.
Schedule a consultationFrequently Asked Questions
In-depth answers to the questions founders, compliance teams, and investors ask most often about Fintech delivery.