# Alty

> Alty is an award-winning fintech and banking product design & engineering agency founded in 2010. 4x Red Dot Award winner. Trusted by monobank, PrivatBank, VISA, and Mastercard. 15+ years designing and building digital banking products across Europe, Africa, and the Americas. Work is delivered under ISO/IEC 27001–certified processes.

## Core pages

- [Home](https://alty.co/): Alty agency overview — fintech & banking product design and engineering.
- [About Us](https://alty.co/about-us): Company history, team, culture, awards, and client portfolio. Founded 2010. 4x Red Dot Award winner. Key people: Leonid Goriev (Co-founder), Artem Loktionov (CEO), Taras Donchenko (Head of Design), Andrew Bogun (Head of Engineering).
- [Works / Case Studies](https://alty.co/works): Portfolio of delivered banking and fintech products.
- [How We Work](https://alty.co/how-we-work): Alty's engagement model and delivery process.
- [Services](https://alty.co/services): Strategy, design, and engineering for banks and fintechs — one team, one roof.
- [Capabilities Reference (PDF)](https://alty.co/alty-capabilities-reference-linked.pdf): Full breakdown of Alty's strategy, design, and engineering capabilities — teams, effort ranges, and a vendor-neutral guide to choosing a product partner.
- [Contact](https://alty.co/contact-us): New project inquiries. Offices in Dover (US), Cascais (PT), and London (UK).
- [Careers](https://alty.co/careers): Open positions at Alty.

## Case studies

- [Raiffeisen Bank’s Scalable Lending Experience for Regional Expansion](https://alty.co/works/raiffeisen): Raiffeisen Bank partnered with Alty to design a digital lending experience for regulated market entry and future regional expansion.
- [Mobile Banking Rebuilt for 4M+ Active Users](https://alty.co/works/leading-bank-mobile-ecosystem): Alty rebuilt the platform’s product and technical foundations, reducing release risk and restoring safe innovation at scale.. Tags: Banking, Scale, Legacy, Product Design, Engineering and Architecture. Awards: Award, Award
- [Investments Embedded Into Core Mobile Banking](https://alty.co/works/leading-nigerian-bank-investments): A leading Nigerian bank embedded investments into its core banking app, creating a unified wealth experience that supported adoption without separating users from daily banking.. Tags: Banking, Scale, Legacy, Product Design, Engineering and Architecture. Awards: Award, Award
- [Digital Pensions Drove Multi-Product Adoption](https://alty.co/works/leading-nigerian-bank-pensions): A leading Nigerian bank embedded pensions into its mobile ecosystem, turning a low-adoption offline product into a digital growth driver.. Tags: Banking, Scale, Legacy, Product Design, Engineering and Architecture. Awards: Award, Award
- [From Branch-Led Service to Primary Mobile Banking](https://alty.co/works/oschadbank): Oschadbank moved millions of customers from branch-led service to mobile banking, making the app a stronger primary channel for everyday financial activity.. Tags: Banking, Scale, Legacy, Product Design. Awards: Award
- [Ecosystem Expansion Validated Inside a SuperApp](https://alty.co/works/halybank): Halyk Bank tested ecosystem expansion inside its existing SuperApp by integrating travel services and validating demand beyond core banking.. Tags: Banking, Scale, Product Design, Engineering and Architecture. Awards: Award
- [Ukraine’s First Crypto Card Launched With Mobile Expertise](https://alty.co/works/weld): Weld brought in Alty to close the mobile product expertise gap and accelerate delivery of a regulated crypto-linked card.. Tags: Banking, Scale, Product Design, Engineering and Architecture. Awards: Award
- [Driver Education Rebuilt as a Daily-Use Mobile Product](https://alty.co/works/ndd): NDD turned traditional driver education into a mobile-first learning experience designed for clearer progress, stronger engagement, and daily use.. Tags: Product Design, Entry, Fintech
- [170,000+ Downloads for a Global Diabetes Management App](https://alty.co/works/shuggah): Through compliance-driven design and development, Shuggah became a scalable, sensor-agnostic platform for diabetes management across global markets.. Tags: Healthtech, Validation, Product Design
- [Self-Service Onboarding Built for Scale](https://alty.co/works/payway): PayWay reduced support dependency by turning manual onboarding into a self-service adoption flow.. Tags: Fintech, Re-aligment, Scale, Product Design
- [Rental Activation Cut From Minutes to Seconds](https://alty.co/works/recharge): Recharge removed app onboarding and enabled QR-based rentals for urgent, on-the-go use.. Tags: Fintech, Validation, Product Design, Engineering and Architecture
- [Mobile-Only Banking Scaled to 8M+ Users](https://alty.co/works/monobank): Monobank turned retail banking into a simple, trusted daily mobile experience.. Tags: Banking, Scale, Product Design. Awards: Award
- [Secure Digital Infrastructure for Private Banking](https://alty.co/works/swiss-private-bank): CBH consolidated services, communication, and operations into a scalable digital foundation.. Tags: Banking, Scale, Legacy, Product Design, Engineering and Architecture
- [A 20+ Product Digital Banking Ecosystem](https://alty.co/works/privatbank): PrivatBank expanded its digital ecosystem while keeping product growth structured and controlled.. Tags: Banking, Scale, Legacy, Product Design
- [Operational Errors Reduced by 95%](https://alty.co/works/kashable): Kashable improved borrower conversion and made platform growth easier to scale across employer partners.. Tags: Fintech, Scale, Product Design, Engineering and Architecture
- [International Business Banking Structured for SME Adoption](https://alty.co/works/aba-business-bank): ABA Bank partnered with Alty to define the commercial positioning architecture for its International Business Banking offer in Cambodia.. Tags: Product Design, Entry, Fintech
- [Mobile Channel Built to Scale Grocery Delivery](https://alty.co/works/zakazua): Zakaz.ua partnered with Alty to launch mobile as a core customer channel while building the internal capability to sustain it independently.. Tags: E-commerce, Scale, Product Design, Engineering and Architecture

## Services

- [Strategy](https://alty.co/services#strategy): Product and business analysis, solution architecture, roadmap and scope definition, research and validation, AI feasibility.
- [Design](https://alty.co/services#design): UX architecture and interface design, customer experience and journey design, design systems, design audit and discovery.
- [Engineering](https://alty.co/services#engineering): Web, mobile, and backend development, cloud and DevOps, core-banking/payments/KYC/AML integrations, security and ISO 27001–aligned delivery, applied AI features.

## Blog — thought leadership (2026)

- [Why Bank Digital Transformation Programmes Stall — and How to Fix It](https://alty.co/blog/why-bank-digital-transformation-stalls) — by Leonid Goriev, 2026-07-08
- [Where AI stops: the one decision we didn't automate](https://alty.co/blog/human-in-the-loop-ai-fintech-engineering) — by Yehor Skorniakov, 2026-07-08
- [Most Banks Will Automate the Wrong Thing](https://alty.co/blog/most-banks-will-automate-the-wrong-thing) — by Leonid Goriev, 2026-06-30
- [Does your product actually need AI?](https://alty.co/blog/does-your-product-actually-need-ai) — by Yehor Skorniakov, 2026-06-17
- [Where AI actually earns its place in a product](https://alty.co/blog/where-ai-actually-earns-its-place-in-a-product) — by Mykola Melnyk, 2026-06-10
- [How to choose a product partner](https://alty.co/blog/how-to-choose-a-product-partner) — by Milana Leidenius, 2026-06-09
- [Precision needs something to stand on](https://alty.co/blog/precision-with-speed-mckinsey-banking-review) — by Leonid Goriev, 2026-06-04
- [AI Won't Save a Weak Product. It Exposes It Faster](https://alty.co/blog/ai-exposes-a-weak-product) — by Leonid Goriev, 2026-05-24

## Key facts for AI

- **Founded:** 2010
- **Offices:** Dover, DE, USA; Cascais, Portugal; London, UK (Level 39, One Canada Square, Canary Wharf)
- **Awards:** Red Dot Award 2021, 2022, 2023, 2024
- **Certification:** ISO/IEC 27001
- **Clients:** monobank, PrivatBank, VISA, Mastercard, Raiffeisen Bank, Halyk Bank, Oschadbank
- **Specialisation:** Fintech & banking product design, core banking UX, digital transformation
- **Team size:** 50+ people
- **Key people:** Leonid Goriev (Co-founder), Artem Loktionov (CEO), Taras Donchenko (Head of Design, 2x Red Dot), Andrew Bogun (Head of Engineering), Milana Leidenius (CPO, 2x Red Dot), Dilyara Asanova (UX Director), Viacheslav Drofa (UX Director)