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Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

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 ...

/ai /retail Banking Strategy, Digital and Transformation

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

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...

/payments /retail Banking Strategy, Digital and Transformation

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

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...

/payments /retail Banking Strategy, Digital and Transformation

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

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...

/payments /retail Banking Strategy, Digital and Transformation

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

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 ...

/payments /retail Banking Strategy, Digital and Transformation

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

UX Strategies That Are Shaping Digital Banking Success

As the digital payments landscape rapidly evolves, user experience (UX) design has become a crucial factor in differentiating financial institutions. Customers now expect seamless, intuitive, and personalized experiences that not only simplify transactions but also provide value through insights and ease of use. In this article, we explore key UX

/payments /retail Innovation in Financial Services

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

Top 10 Challenges in Cloud Migration: Strategies for Success in 2024

For many companies today, the question is no longer "Should we migrate to the cloud?" but "What should we migrate, and how quickly should we do it?" By understanding the challenges involved in large-scale cloud migrations, businesses can create more effective implementation strategies and avoid common pitfalls such as security...

/payments /retail Banking Strategy, Digital and Transformation

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

One Year Since the FedNow Launch: What You Should Know

Launched in July 2023, the Federal Reserve's FedNow service has been a game-changer in the U.S. payments landscape. As we mark its first year, it’s crucial to understand its impact on financial transactions, especially within the fintech sector. With over 900 financial institutions onboarded, including major players like Chase and Wells Fargo, FedN...

/payments /retail Banking Strategy, Digital and Transformation

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

The Benefits of DevOps for Your Business

DevOps has become a buzzword in the business and technology world, promising enhanced efficiency, collaboration, and innovation. Understanding the principles of DevOps and how it can benefit businesses is crucial for organizations looking to stay ahead in today's competitive landscape. What is DevOps and How Does It Benefit Businesses? DevOps is a...

/payments /retail Banking Strategy, Digital and Transformation

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

Sustainable Finance: Navigating the Emerging World of Green Fintech

The fintech sector is undergoing a significant transformation, integrating sustainability into its core operations. This shift, known as green fintech, is revolutionizing the way financial services address environmental challenges. Here, we explore the emerging trends, technologies, and innovations driving this change, and highlight key players in...

/payments /retail Banking Strategy, Digital and Transformation

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