Summer is over, and we met the new season with an important event — the visit of President Zelensky to the United States. In addition to the geopolitical importance of the working trip, the President raised the topic of Ukraine’s technological development. The meeting with Tim Cook — CEO of Apple — was also attended by the Minister of Digital Transformation of Ukraine. The team presented the Ukrainian “Diya”, talked about the success of the digitalization of the country, which attracted the attention of tech leaders to Ukraine. …


BigTech companies like Amazon, Google, Facebook, and others have changed customer expectations forever. With the customer experience now at the forefront, consumers everywhere are looking for simplicity and personalization. Financial institutions are no exception. They have a difficult path to adapt to modern needs. Below I described exactly how BigTech is changing communication with the client, what technologies they use, and also described the path of technological growth for banks.

BigTech companies have set high standards for online interactions and are experts in using data to improve customer experience. As companies grow, they often strive to expand into new verticals…


Recently I told you a three-part story about the government and Ant working with Tencent on the digital yuan. We came to the conclusion that the tech giants found themselves in a desperate situation, somewhere even forced. So today I would like to continue the topic of that blog and write about the shapes that the state policy of China is taking regarding the technological future of the country. This directly applies to the fintech industry.

The road map of the Communist Party’s plan for the tech industry is taking shape today. In about 10 years, China, if the Communist…


It’s no secret that Ukrainian IT specialists are highly valued in the market, and domestic startups have brought us to a competitive international level. The country has become a major player in the technology arena: the IT staff is approaching 200,000 developers. It was hoped that in the coming years we will not experience big shocks, and the IT market will bloom, and partnerships will benefit market participants.

Information technology is one of the key sectors contributing to the country’s economy. The statistics provided by various organizations for the analysis ‘Ukraine: the country that codes’ are showing rapid growth. …


This is not the first time I have brought up the subject of the digital yuan and CBDC. Each time this topic raises more and more controversy and challenges around itself. In the new blog, I want to delve into the roots of e-CNY and understand the threats it poses for China’s tech giants. It is just the right time to consider the topic while China is calling on private sector leaders Ant and Tencent to help develop a government-backed digital currency. It is worth noting that such a currency is a threat to the Ant and Tencent pair, and…


Apple is working on the new service that will allow consumers to pay for any Apple Pay purchases in installments. The company plans to partner with Goldman Sachs Group, a lender, to borrow funds needed for the installment plan. Goldman Chief Financial Officer Stephen Sherr said he believes there are “more opportunities to be had with Apple”. What opportunities does he talk about?

Apple’s game with Apple Pay Later is a long-term adoption of Apple Pay and Apple Card and their ecosystems. This proposition is the main competitor of the “buy now, pay later” service of Affirm and Afterpay companies…


While Americans are chatting in Messenger and sending free SMS, and the TikTok audience in India is growing rapidly, I reviewed the Ukrainian market of social networks and messengers. Multicolored icons in our phones not only made life easier, but also became an important part of our time, and therefore affect our consumption. Kyivstar made a very cool analysis of the Ukrainian users’ preferences and formed a rating of social networks and messengers in the domestic market. I made hypotheses about the reasons for their popularity, and also noted their contribution to the fintech sphere.

Rating of messengers:

Viber (12 million operator subscribers)

Viber is one of the…


Today I want to draw your attention to the report `The building blocks of Fintech 2.0` from Money 2020, which describes the future of fintech — its new version 2.0.

What is “fintech 2.0” according to researchers? On one hand, it seems as if this sounds like a rather superficial excuse for a news feed within the industry and a supposedly “deep look” at the problem. On the other hand, we are indeed on the verge of a stage where financial technology is becoming more and more connected with the economy. For example, Mastercard in Ukraine has published fresh data…


Digital! This word complemented almost every one of our actions in 2020. And as digital processes are gaining momentum, it is important to understand which trends are most meaningful to us. I will answer this question using McKinsey’s report ‘The top trends in tech’.

In the next decade, according to entrepreneur and futurist Peter Diamandis, we will make more progress than during the past 100 years combined, as technology transforms health, energy, transportation, and a wide range of other industries. The opportunities for corporations are wide. For example, 3D and 4D printing technologies with new generation materials, computer vision, Al…


We discuss the statistics and hypotheses of reports from different organizations. In this blog, I will not only talk about the forecasts that were developed in the ‘World Payments Report 2020’ from Capgemini Research Institute, but also draw a parallel between scenarios and trends that we observed in the first half of 2021.

The ‘World Payments Report 2020’ described the changes, achievements, and pivots in the payment sector in a difficult covid period. The payment landscape is constantly expanding as new players develop customer interactions, innovative solutions and new business models. Market dynamics are being modified. Payment offerings are changing…

Алена Дегрик Шевцова

Генеральный директор ФК "Леогейминг Пей" Основатель компании LeoGaming

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