Latest opinions that Viacheslav Kostin has shared on Finextra

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Viacheslav Kostin

CEO

WislaCode Solutions

Member since

01 May

Location

Warsaw

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Viacheslav's opinions

AI is not the real hurdle! Where fintech innovation truly gets stuck

If you read the headlines, you’d think artificial intelligence is the only story in fintech. Banks and fintechs alike feel pressured to showcase their AI credentials, even when the use cases are thin. But let’s be honest: AI is not the real hurdle. The biggest challenges in fintech innovation are far more structural and harder to solve. 1. The tra...

28 August 2025 /ai /predictions Artificial Intelligence and Financial Services

Top UX Features Revolutionising Modern Banking Apps

The user experience (UX) in banking applications is a critical factor in transforming everyday financial tasks into intuitive and satisfying experiences. By focusing on streamlined interfaces and customer-centric designs, these apps build lasting confidence and encourage regular use. Incorporating elements such as rapid QR-based transactions and i...

28 August 2025 /payments /retail Mobile Financial Services (MFS)

Key Fintech Features Enhancing Banking App Engagement

Mobile banking apps have evolved into powerful platforms that go beyond basic transactions. In today’s competitive financial landscape, banks and fintech firms rely on innovative features to boost user engagement and foster customer loyalty. Tools like personalised rewards, referral programmes, bill-splitting capabilities, and subscription managem...

25 August 2025 /payments /retail Online Banking

Best Fintech Innovations Transforming Small Business Banking

In the fast-paced world of entrepreneurship, managing finances efficiently can be the difference between thriving and merely surviving. Fintech solutions are revolutionising how small and medium-sized enterprises (SMEs) handle their money, with features like seamless currency conversions, secure digital signing, and automated tax handling. These d...

07 August 2025 /payments /inclusion Fintech

Top 5 Fintech Features Revolutionising Personal Finance

Managing personal finances can be a daunting task, but fintech innovations are simplifying the process with powerful tools. From automating savings to providing detailed spending insights, these features enable individuals and financial professionals to take control of their money. This article examines five key fintech functionalities that are re...

28 July 2025 /retail Innovation in Financial Services

Top 7 Mobile Banking Features That Make Life Easier

Mobile banking has become a cornerstone of modern financial management, offering tools that make handling money faster, safer, and more intuitive. For banks, fintech startups, and individual users, these apps deliver efficiency and flexibility, reshaping how we interact with our finances. This article highlights seven standout features that are re...

14 July 2025 /retail Mobile Financial Services (MFS)

AI Testing Trends Driving FinTech Success

Artificial intelligence (AI) is transforming financial technology (FinTech), where accuracy and reliability are critical. Testing AI systems ensures robust performance in banking and e-commerce applications. This research explores key trends, drivers, and approaches to AI testing in FinTech, drawing on academic studies, industry tools, and practic...

23 June 2025 /ai Artificial Intelligence

Innovative PWAs Slash Fintech Costs

Progressive Web Apps (PWAs) are transforming fintech by offering efficient, high-performance digital solutions. For banks, startups, and financial providers, choosing between PWAs and native apps hinges on cost, speed, and user trust. PWAs deliver app-like experiences through web browsers, reducing development expenses while preserving quality. H...

19 June 2025 /retail Mobile Financial Services (MFS)

Top 5 Mobile Banking Trends for 2025

Mobile banking is reshaping the financial services industry, driven by technological advancements and evolving user expectations. In 2025, banking apps will deliver smarter, more secure, and integrated experiences. What’s driving this transformation? Based on industry research and expert insights, here are five pivotal trends redefining mobile ban...

13 June 2025 /payments /retail Innovation in Financial Services