Jul 28, 2026Leonid Goriev
Bank Digital Transformation Stalls: 5 Underestimations
Bank digital transformations rarely stall midway by accident. Five underestimations made before kickoff explain most missed deadlines and budget overruns.
INSIGHTS ON FINTECH PRODUCT DESIGN
Field notes on banking UX, product strategy and the craft of building financial products people trust.
Articles
Showing 6 of 22 blog posts
Jul 23, 2026Leonid Goriev
Digital Banking Growth Diagnostic: Is Your Platform the Ceiling?
Flat growth in digital banking has two possible roots, and only one responds to marketing. A diagnostic for finding out whether your platform is the ceiling.
Jul 16, 2026Leonid Goriev
Why Bank Digital Transformation Programmes Stall — and How to Fix It
Bank digital transformation programmes rarely stall on execution. They stall two levels above it — in decisions made without the delivery team. Here's the fix.
Jul 9, 2026Yehor Skorniakov
Human in the Loop: Why AI Won't Run Fintech Builds Alone
A CTO on where AI belongs in banking builds and the one decision that stays human. With a real deployment pipeline, not another "AI won't replace you" take.
Jul 1, 2026Leonid Goriev
Most Banks Will Automate the Wrong Thing With AI
Only 11% of banks run AI agents in production. The real constraint is the process the agent inherits, not the model. Why redesign comes before automation.
Jun 18, 2026Yehor Skorniakov
Does Your Product Actually Need AI?
A CTO's checklist before adding AI to a fintech product: is it the best fix, do you have the data, can you carry it after launch, and when to say no.