Digitalization and Technologies
How a large fintech becomes an IT company with a banking license
Slide contents
1. Digitalization and Technologies
How a large fintech becomes an IT company with a banking license
2. What we'll talk about
From digital ecosystems to TechRadar
Digital ecosystems: how engineering is organized
Digital Transformation Game Plan
Bank 4.0 and product portfolio evolution
TechRadar, future vectors, and resources
3. 01. Digital Ecosystems
Where the products of a large fintech live
4. Digital ecosystems engineering org
Four major streams
Mobile app — flagship channel
Web — public sites and customer portals
Marketing — performance, acquisition, growth
Project streams + shared platform
5. 02. Digital Transformation
ThoughtWorks Digital Transformation Game Plan
6. Value guides digital transformation
7. Work with constraints, data and technology
8. 03. Bank 4.0
Distribution × Friction
9. Banking evolution, per Brett King
10. One product grew into an ecosystem
From single product to ecosystem
Credit and debit cards — core business
Investments, brokerage services, and insurance
Consumer lending and lifestyle services
B2B: acquiring, accounting, payroll
11. IT company with a banking license
Technology is the competitive advantage
Thousands of engineers in product development
Own infrastructure and platform
In-house ML models and data products
Open source + tech brand
12. 04. TechRadar
A tool for managing technology
13. What is TechRadar
A map of an organization's technology bets
Makes technology decisions visible
Aligns teams on stack choices
Public signal to the industry
Living onboarding/architecture document
14. Radar guides technology adoption
15. Where we're heading next
Technology vectors of development
ML/data products in every team
Platform self-service for developers
Cloud-native and containerization
Open APIs, partnerships, and banking-as-a-service
16. References and Materials
Transformation, platforms, delivery
ThoughtWorks Radar + Game Plan
Brett King — Bank 4.0
Team Topologies — Skelton & Pais
Accelerate — Forsgren, Humble, Kim
17. Thank you!
polomodov.tech
All slides and links — in the Telegram channel
Alexander Polomodov, Technical Director & Fellow, T-Technologies
@book_cube