Latest opinions that Sergiy Fitsak has shared on Finextra

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Sergiy Fitsak

Managing Director, Fintech Expert

Softjourn

Member since

23 Jun 2023

Location

Ivano-Frankivsk

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Sergiy's opinions

FinTech Compliance in 2025: The Rules Are Changing — Are You Ready?

As fintech platforms expand globally and adopt emerging technologies, they face a rapidly shifting regulatory environment. From data privacy and payment security to open banking and AI explainability, compliance is no longer just a box to tick; it is central to product design, user trust, and operational scalability. This article outlines the key r...

08 September 2025 /payments /retail Banking Strategy, Digital and Transformation

Why 70% of Financial Services Technology Projects Fail (And How to Join the 30% That Succeed)

Financial institutions face a critical challenge: accelerating digital transformation while maintaining stringent risk management standards. Technology stack decisions have evolved from technical choices to strategic investments that determine competitive positioning, regulatory compliance capabilities, and operational efficiency. Industry analys...

11 August 2025 /payments /retail Banking Strategy, Digital and Transformation

The Modernization Imperative: Why Financial Services Cannot Afford Legacy System Inertia

The financial services sector has reached an inflection point where legacy system modernization has shifted from strategic advantage to business imperative. Institutions operating on decades-old infrastructure face mounting pressure from regulatory evolution, competitive disruption, and customer expectations that legacy architectures simply cannot...

21 July 2025 /payments /retail Banking Strategy, Digital and Transformation

The Expense Management Revolution: Why 2025 is the Tipping Point

The Expense Management Revolution: Why 2025 is the Tipping Point The corporate expense management landscape is experiencing a seismic shift. What was once a mundane back-office function dominated by spreadsheets and paper receipts has transformed into a strategic weapon for financial optimization. As we advance through 2025, organizations that fail...

11 June 2025 /payments /retail Banking Strategy, Digital and Transformation

Can AI Really Code? What Fintech Leaders Should Know

AI-assisted coding tools have added incredible momentum to software development. As the Managing Director of a software development company, many of my teams use AI coding tools daily. They help my teams build faster, remove tedious manual work, and prototype new ideas quickly. In the fintech industry, where innovation cycles are tightening, AI’s ...

28 April 2025 /ai /retail Banking Strategy, Digital and Transformation

The Silent Risk in Fintech: Staying Ahead of Technical Debt and Compliance Challenges

In today’s high-stakes digital environment, financial institutions and fintech innovators are under constant pressure to deliver secure, compliant, and seamless experiences—without slowing down innovation. From digital banks and payment platforms to investment and personal finance apps, the margin for error is razor-thin. A single overlooked vulne...

27 March 2025 /payments /retail Banking Strategy, Digital and Transformation

8 Payments Trends You'll See in 2025 (And What to Do About Them)

The payments landscape is rapidly evolving, and 2025 promises to bring significant advancements in how businesses and consumers interact with financial technology. As innovation accelerates, organizations must stay ahead of these changes to remain competitive. In this article, we explore the top payment trends shaping 2025 and how businesses can pr...

26 February 2025 /payments /retail Banking Strategy, Digital and Transformation

Top 7 Fintech Trends to Watch in 2025

Shaping the Future of Payments and Finance The fintech ecosystem is evolving at an unprecedented pace, driven by technological advancements and shifting consumer preferences. Enterprises and consumers are increasingly turning away from cash and embracing digital payment solutions. From mobile wallets to contactless payments, digital-first financia...

06 January 2025 /payments /retail Banking Strategy, Digital and Transformation

Addressing Financial Gaps in the Gig Economy: Fintech Solutions Empowering Gig Workers

Understanding the Gig Economy The gig economy has transformed how people work, offering flexibility and supplemental income to millions. By 2024, nearly 80 million Americans identified as gig workers, a number projected to surpass 86 million by 2027, making up over half of the U.S. workforce. While the gig economy provides independence and autonomy...

27 November 2024 /payments /retail Banking Strategy, Digital and Transformation

How Embedded Finance is Redefining Financial Services and Unlocking New Revenue Streams

Embedded finance is no longer just a buzzword—it's rapidly transforming the way businesses and consumers engage with financial services. By seamlessly integrating payments, lending, insurance, and banking into everyday platforms, it is streamlining transactions, enhancing customer experiences, and opening new revenue channels for businesses across ...

23 October 2024 /payments /retail Banking Strategy, Digital and Transformation

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