Fintech Garden Podcast
Fintech Garden
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The Fintech Garden Podcast features conversations with founders, investors, and industry experts working in financial technology. Each episode explores emerging trends, practical insights, and the ideas shaping the future of finance. The show is accompanied by additional fintech resources and events at fintech.garden.
Episode
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Becoming AI-Led: Lessons from a Payments Company's AI Journey, with Ahu Chhapgar | FG Pod 173 16.09.2026 32mntIn July, 64% of all the code shipped by Paysafe's engineering org was AI-generated. Ahu Chhapgar, CTO at Paysafe with prior leadership roles at PayPal, Mastercard, and Citi, joins Igor Tomych and Dumitru Condrea to unpack what "AI transformation" actually means once you get past the pitch-deck version of the phrase. They cover where AI has genuinely sped up software delivery, why code review became the new bottleneck once AI output scaled up, why the biggest obstacle to AI adoption is people, not technology, and why fintech has to treat AI risk completely differently from a company just building a website or a CRM.Book your discovery call with Fintech Core team today: https://dashdevs.com/fintech-core/?utm_source=youtube&utm_medium=qr&utm_campaign=fg_podcastWant to become a guest? Need a consultation from DashDevs or Novafin? Please fill in the form here: https://fintech.garden/about-us/Watch our previous episode about AI Brain: https://youtu.be/p2X4XYY91tQTimestamps:01:20 – What "AI transformation" actually means06:34 – Where AI delivers real value, and where it hasn't09:00 – Will certain engineering roles vanish because of AI?14:07 – Why AI transformation succeeds or fails on people, not tech16:04 – "The person who knows how to use AI will replace you"18:37 – Security lessons from before the AI era21:52 – Why AI risk in fintech is different from a website or CRM23:05 – Separating low-risk from high-risk AI use cases29:13 – What Ahu wishes he'd known at the start of AI transformationFollow us: https://fintech.gardenCheck out DashDevs: https://dashdevs.comCheck out Novafin: https://www.novafin.co/Connect with our hostsIgor Tomych https://www.linkedin.com/in/igortomych/Dumitru Condrea https://www.linkedin.com/in/dcondrea/Subscribe to our newsletter: https://fintech.garden🎙 Podcast CreditsManager: Olha Koistryk / https://www.linkedin.com/in/olha-koistryk/Video Editing: Arsen Harin, Olha KoistrykSound Editing: Arsen HarinThumbnail Design: Maryna Manoilo / https://www.linkedin.com/in/marina-manoylo/Marketing / Social Media: DashDevs Marketing Team -
Banks Are Getting AI Brains, with Igor Tomych & Dumitru Condrea | Fintech Garden Podcast 172 08.09.2026 28mntDigital banks are quietly shifting from "here's your balance" to "here's what's about to happen to your money." Igor Tomych and Dumitru Condrea spend this episode on what they're calling the AI brain: the layer of AI that sits on top of a bank's cash flow and P&L data to predict spending, catch subscriptions before they bill you, and even nudge you toward saving or investing. They break down why this only works if the underlying accounting is clean first, why an "AI assistant" isn't the chatbot most people picture, and why they think fintech right now looks exactly like the dot-com boom of the early 90s, right down to AI agents "knocking on your door" instead of door-to-door salesmen.Why your next banker will be an AI, with Brett King | FG Podcast 157: https://www.youtube.com/watch?v=L_ghYX-whCgAre banks becoming irrelevant in the AI era? With Theodora Lau | FG Podcast 158: https://www.youtube.com/watch?v=uT1R0JocB9QBook your discovery call with Fintech Core team today: https://dashdevs.com/fintech-core/?utm_source=youtube&utm_medium=qr&utm_campaign=fg_podcastWant to become a guest? Need a consultation from DashDevs or Novafin? Please fill in the form here: https://fintech.garden/about-us/Timestaps01:22 – Digital banks are getting a new AI brain02:42 – AI transformation: bank-side AI vs. personal finance AI05:24 – P&L vs. cash flow: the foundation before any AI brain08:44 – What an AI brain actually is (and why it's not a chatbot)13:56 – The keyboard-prediction analogy: personal vs. collective patterns16:40 – How many Americans already use AI for personal finance20:09 – Will banks, super apps, or ChatGPT own your financial data?21:12 – Why this feels like the dot-com boom all over again25:15 – A preview of the coming AI fraud and fake identity problem27:15 – Where AI brains are already fighting fraud todayFollow us: https://fintech.gardenCheck out DashDevs: https://dashdevs.comCheck out Novafin: https://www.novafin.co/Connect with our hostsIgor Tomych https://www.linkedin.com/in/igortomych/Dumitru Condrea https://www.linkedin.com/in/dcondrea/Subscribe to our newsletter: https://fintech.garden🎙 Podcast CreditsManager: Olha Koistryk / https://www.linkedin.com/in/olha-koistryk/Video Editing: Arsen Harin, Olha KoistrykSound Editing: Arsen HarinThumbnail Design: Maryna Manoilo / https://www.linkedin.com/in/marina-manoylo/Marketing / Social Media: DashDevs Marketing Team -
Is Your Fintech Data Actually Trustworthy? with Yuliia Komaryn | Fintech Garden Podcast 171 01.09.2026 27mnt"Real-time dashboards" might be the most misused phrase in fintech. Yuliia Komaryn, Business Analytics Team Lead at DashDevs, joins Igor Tomych to explain why "real time" is a marketing concept, not a technical one, and why the real question isn't how fast your dashboard updates, but how fast your business can react to what it shows. They walk through a real BNPL fraud case caught by proper flagging, why the word "customer" means something different to every team in a company, and why vibe coding a financial system without understanding what's under the hood is a guaranteed way to make every mistake in the book.Book your discovery call with Fintech Core team today: https://dashdevs.com/fintech-core/?utm_source=youtube&utm_medium=qr&utm_campaign=fg_podcastWant to become a guest? Need a consultation from DashDevs or Novafin? Please fill in the form here: https://fintech.garden/about-us/Subscribe to our newsletter: https://fintech.gardenTimestamps:01:15 – Why "real time" is a marketing concept, not a technical one03:04 – The control tower analogy: what happens without real-time dashboards03:32 – A real BNPL fraud case caught by proper flagging07:21 – Designing dashboards for BNPL collections and installment tracking09:30 – Why analysts should design for decisions, not just filters10:27 – Why "is the data trustworthy" replaced "can we build the dashboard"12:34 – The "cute puppy" problem: why "customer" means different things to different teams15:23 – Do data lakes still matter in 2026?16:48 – The touchscreen vs. knobs analogy for dashboard design18:21 – Where AI actually helps analytics, and where it doesn't22:12 – Why vibe coding a financial system is a guaranteed disaster24:32 – What separates digital banks that scale from those that don't25:46 – The real purpose of analyticsFollow us: https://fintech.gardenCheck out DashDevs: https://dashdevs.comCheck out Novafin: https://www.novafin.co/Connect with our hostsIgor Tomych https://www.linkedin.com/in/igortomych/Dumitru Condrea https://www.linkedin.com/in/dcondrea/🎙 Podcast CreditsManager: Olha Koistryk / https://www.linkedin.com/in/olha-koistryk/Video Editing: Arsen Harin / Nazar Gecha, Olha KoistrykSound Editing: Arsen Harin / Nazar GechaThumbnail Design: Maryna Manoilo / https://www.linkedin.com/in/marina-manoylo/Marketing / Social Media: DashDevs Marketing Team -
Should You Launch a Bank? With Igor Tomych and Arthur Bedel | Connecting the Dots x Fintech Garden 25.08.2026 40mntDashDevs CEO Igor Tomych joins Arthur Bedel, host of Connecting the Dots in FinTech and founder of Monyz, for a deep dive into why everyone is launching a digital bank right now, and why so many are failing fast.Drawing on his years running engineering and CTO functions for digital banks, including one in the UK, Igor breaks down the real difference between a neobank and a digital bank, why the ledger is the most underestimated piece of the stack, why "build versus buy" is the wrong question to start with, and why compliance is the integration that always takes longer than anyone promises.Previous episode with Igor and Arthur: https://youtu.be/YtJ_3u48WXo?si=Fh5Az_-1QuauuqfqBook your discovery call with Fintech Core team today: https://dashdevs.com/fintech-core/?utm_source=youtube&utm_medium=qr&utm_campaign=fg_podcastWant to become a guest? Need a consultation from DashDevs or Novafin? Please fill in the form here: https://fintech.garden/about-us/Timestamps:00:18 – Igor's background running digital banks as VP of Engineering and CTO01:04 – Why so many neobanks are failing, and failing fast03:06 – Digital bank vs. neobank: what's actually the difference05:40 – Is building a digital bank easier today than five years ago?09:43 – The number one thing to focus on if building today11:45 – Why banking is finally catching up to what payments learned about redundancy14:17 – Build vs. buy, and why "cheap" vendors get expensive later17:00 – Anatomy of a digital bank: onboarding, ledger, accounts, connectivity20:20 – Why everyone underestimates the ledger23:30 – How much of a neobank is actually a bank27:49 – "Buy now, build later": what it actually means31:20 – The worst advice Igor's heard in the industry33:44 – Provocation round and rapid fireFollow us: https://fintech.gardenCheck out DashDevs: https://dashdevs.comCheck out Novafin: https://www.novafin.co/Connect with our hostsIgor Tomych https://www.linkedin.com/in/igortomych/Dumitru Condrea https://www.linkedin.com/in/dcondrea/Arthur Bedel: https://www.linkedin.com/in/arthur-bedel/Connecting the dots: https://www.linkedin.com/company/connecting-the-dots-in-payments/Monyz: https://www.linkedin.com/company/monyzusa/Subscribe to our newsletter: https://fintech.garden -
FINTECH MEETUP EUROPE: behind the scenes with Douglas Mackenzie | Fintech Garden Podcast 169 20.08.2026 27mntMeet Douglas Mackenzie, Head of Content at Fintech Meetup Europe, and a former fintech video journalist who spent close to a decade interviewing bankers and financial institutions. Fintech Meetup ran in Las Vegas for five years before this year's first European edition, landing in Lisbon this October 6-8, with Fintech Garden as podcast partner. Douglas joins Dumitru Condrea to talk through the conference's 15-minute speed-meeting format, why European payment sovereignty and build-versus-buy are the hardest topics on the agenda, why so many self-declared "AI experts" are just repeating what they've heard, and a genuinely unsettling detail one of his speakers shared about deepfakes.If you're part of Fintech Garden community, use code for your ticket: FGAR1Book your discovery call with Fintech Core team today: https://dashdevs.com/fintech-core/?utm_source=youtube&utm_medium=qr&utm_campaign=fg_podcastWant to become a guest? Need a consultation from DashDevs or Novafin? Please fill in the form here: https://fintech.garden/about-us/01:29 – What Douglas does as Head of Content at Fintech Meetup Europe03:27 – Bringing an American conference format to Lisbon04:29 – What they kept from Vegas, and what they deliberately changed05:46 – The hardest topics on the 2026 agenda: sovereignty, regulation, build vs. buy08:49 – How speakers actually get selected for the stage11:51 – The "hype killer" session and calling out fake AI experts15:28 – Fraud, deepfakes, and AI agents that act without being asked19:25 – Inside the 15-minute speed-meeting format21:42 – What went wrong if your meetings led nowhere23:50 – What success actually looks like for this conferenceFollow us: https://fintech.gardenCheck out DashDevs: https://dashdevs.comCheck out Novafin: https://www.novafin.co/Connect with our hostsIgor Tomych https://www.linkedin.com/in/igortomych/Dumitru Condrea https://www.linkedin.com/in/dcondrea/Subscribe to our newsletter: https://fintech.garden🎙 Podcast CreditsManager: Olha Koistryk / https://www.linkedin.com/in/olha-koistryk/Video Editing: Nazar Gecha, Olha KoistrykSound Editing: Nazar GechaThumbnail Design: Maryna Manoilo / https://www.linkedin.com/in/marina-manoylo/Marketing / Social Media: DashDevs Marketing Team -
What the GENIUS Act Actually Does to Stablecoins | Fintech Garden Podcast 168 18.08.2026 22mntRegister for our upcoming webinar 'Stablecoin on/off ramps': https://share.hsforms.com/1ZqNaznFSREiCSuC9Jt36Yw3oc7eIn this special hosts-only episode, Dumitru Condrea and Igor Tomych break down the GENIUS Act (the Guiding and Establishing National Innovation for U.S. Stablecoins Act), the law that puts federal guardrails around dollar-backed stablecoins for the first time. They cover what actually counts as a "payment stablecoin" under the act, why issuers now have to back coins 1:1 with cash, Treasury bills, and other approved reserves, why foreign-issued stablecoins like USDT face a tougher path into the US market, and why companies like Stripe are already positioning themselves years ahead of the January 2027 compliance deadline.Book your discovery call with Fintech Core team today: https://dashdevs.com/fintech-core/?utm_source=youtube&utm_medium=qr&utm_campaign=fg_podcastWant to become a guest? Need a consultation from DashDevs or Novafin? Please fill in the form here: https://fintech.garden/about-us/Why BlackRock actually cares about stablecoins, with David Birch | FG Podcast 162: https://youtu.be/5sznJ-GSJxQTimestamps:01:05 – What the GENIUS Act actually is02:16 – What is a stablecoin, really03:51 – Why this is horizontal, not vertical, growth for stablecoins06:43 – Reserve rules: what counts as backing a stablecoin08:22 – The one-year countdown: what's actually due by when10:26 – What happens to foreign-issued stablecoins like USDT12:32 – Why Stripe is already years ahead of the regulation15:02 – Where the real opportunity is: remittances, payroll, and on-ramps19:12 – Walking through an actual on-ramp transaction step by step21:17 – What to watch for before January 2027Follow us: https://fintech.gardenCheck out DashDevs: https://dashdevs.comCheck out Novafin: https://www.novafin.co/Connect with our hostsIgor Tomych https://www.linkedin.com/in/igortomych/Dumitru Condrea https://www.linkedin.com/in/dcondrea/Subscribe to our newsletter: https://fintech.garden🎙 Podcast CreditsManager: Olha Koistryk / https://www.linkedin.com/in/olha-koistryk/Video Editing: Arsen Harin, Olha KoistrykSound Editing: Arsen HarinThumbnail Design: Maryna Manoilo / https://www.linkedin.com/in/marina-manoylo/Marketing / Social Media: DashDevs Marketing Team -
Pay by Bank Is Coming for Cash, Not Cards, with Johannes Kolbeinsson | Fintech Garden Podcast 167 11.08.2026 34mntMeet Johannes Kolbeinsson, Co-Founder and CEO at Paystrax, a card acquirer processing primarily Visa and Mastercard transactions with over 20 years in the payments business. He founded his earlier company, Afterpay, back in 2002, recently expanded into the UK market, and just launched USDC stablecoin settlement across 17 jurisdictions. He joins Dumitru Condrea to debate why account-to-account payments still haven't taken off despite years of hype, how "friendly fraud" is quietly reshaping card scheme policy, and why he believes a parallel banking system built on stablecoins is already forming.Book your discovery call with Fintech Core team today: https://dashdevs.com/fintech-core/?utm_source=youtube&utm_medium=qr&utm_campaign=fg_podcastWant to become a guest? Need a consultation from DashDevs or Novafin? Please fill in the form here: https://fintech.garden/about-us/Market research by Paystrax: https://paystrax.com/wp-content/uploads/2026/03/Friendly-Fraud-PAYSTRAX.pdfTimestamps:01:01 – Why account-to-account payments still haven't taken off04:35 – Do Visa and Mastercard actually feel threatened by A2A07:52 – What the acquiring data really shows about A2A demand10:19 – Card scheme growth trends across Europe11:33 – "Friendly fraud": how gaming the chargeback system became normal15:19 – When chargeback activism turns into coordinated attacks on merchants18:16 – What card schemes are getting wrong about fraud policy21:08 – Stablecoin settlements and a parallel banking system forming27:08 – 20+ years of payment cycles, and where this one is headedFollow us: https://fintech.gardenCheck out DashDevs: https://dashdevs.comCheck out Novafin: https://www.novafin.co/Connect with our hostsIgor Tomych https://www.linkedin.com/in/igortomych/Dumitru Condrea https://www.linkedin.com/in/dcondrea/Subscribe to our newsletter: https://fintech.garden -
The Truth About Stablecoins, Compliance, and Speed, with Marwan Forzley, Veem | FG Podcast 166 04.08.2026 26mntMeet Marwan Forzley, CEO and co-founder of Veem, a global B2B payments platform operating in more than 100 countries and 80+ currencies. Marwan built one of the first fiat-to-crypto payment products back in 2014, years before stablecoins entered the mainstream conversation, and spent years securing licenses before Veem could serve its first customer. He joins Dumitru Condrea to explain why the payment rail is the easy part, why compliance and risk management are where the real engineering happens, and where stablecoins actually make economic sense once the hype is stripped away.Subscribe to the Fintech Garden Newsletter 👉 https://fintech.gardenBook your discovery call with Fintech Core team today: https://dashdevs.com/fintech-core/?utm_source=youtube&utm_medium=qr&utm_campaign=fg_podcastTimestamps:0:40 The Hidden Challenges of Modern Finance3:16 The Plumbing Layer of Payment Systems9:02 Navigating Global Data Complexity12:09 Automating KYC Without Losing Quality21:05 The Future of RegTech InnovationFollow us: https://fintech.gardenCheck out DashDevs: https://dashdevs.comCheck out Novafin: https://www.novafin.co/Connect with our hostsIgor Tomych https://www.linkedin.com/in/igortomych/Dumitru Condrea https://www.linkedin.com/in/dcondrea/ -
The Truth About the Current Fintech Talent Shortage, with Nadia Edwards-Dashti | FG Podcast 165 28.07.2026 34mntMeet Nadia Edwards-Dashti, Chief Customer Officer at Harrington Starr and host of FinTech's DEI Discussions Podcast. Her agency runs close to 1,000 interviews every three months across technology, sales, risk, and executive roles in payments, crypto, and financial services. With 22 years in recruitment, Nadia joins Igor Tomych to talk through the toughest hiring downturn she has seen, how it differs from 2008, why ghost jobs and silent searches are quietly damaging employer brands, and why succession planning now decides who wins the next fintech talent war.Subscribe to the Fintech Garden Newsletter 👉 https://fintech.gardenWho's Training the Juniors? Fintech Hiring in the AI Era, with Nadia Edwards-Dashti: https://youtu.be/-bHQioYtEp0Chapters:00:51 – State of the UK fintech hiring market04:36 – 2008 vs 2026: what's actually different this time08:41 – Who's accountable when AI writes the code13:23 – Do companies feel confident right now17:54 – Ghost jobs and silent searches explained20:30 – Why candidates deserve to be treated like customers26:42 – Succession planning and the coming junior talent gap31:52 – How to identify potential fairlyThe Fintech Garden is hosted by Igor Tomych, founder and CEO of DashDevs, and Dumitru Condrea, founder and CEO of Novafin. All conversations revolve around the world of fintech, movers and shakers, and how decisions are made. Make sure to tune in to stay ahead of the curve when it comes to how the world of finance is evolving before our eyes.Follow us: https://fintech.gardenCheck out DashDevs: https://dashdevs.comCheck out Novafin: https://www.novafin.co/Connect with our hostsIgor Tomych https://www.linkedin.com/in/igortomych/Dumitru Condrea https://www.linkedin.com/in/dcondrea/ -
Security is only as strong as the weakest link, with Dennis Winter | Fintech Garden Podcast 142 12.02.2026 34mntIgor and Dumitru switch things up once more only to focus on security this time. Meet Dennis Winter, CTO of Boerse Stuttgart Digital and Chief Security Officer at Boerse Stuttgart Group, the second biggest stock exchange in Germany and the 6th in Europe. With over two decades of experience in building and scaling digital products, he combines deep technical expertise with a strategic perspective.Dennis shares his perspective and expertise on the importance of driving security-aware culture across all levels of an organization. On top of that, the guest highlights what it's like to put the customer at the focal point when establishing security protocols.Criminals don’t steal money. They steal identities. With Dan Feaheny: https://www.youtube.com/watch?v=Qj8mop_z1_oAI vs Fraud: Inside Device Fingerprinting with Catherine Woneis: https://www.youtube.com/watch?v=TiPQQItHgQkTimestamps:00:05 – Intro02:01 – Let's talk security04:05 – Human-centric security risks07:33 – Proactive vs reactive security11:08 – Security 10 years ago vs now14:45 – Keeping humans at the frontlines of security21:09 – The AI talk24:59 – Post-quantum cryptographyThe Fintech Garden podcast is hosted by Igor Tomych, founder and CEO of DashDevs, and Dumitru Condrea, founder of Novafin. All conversations revolve around the world of fintech, movers and shakers, how decisions are made. Make sure to tune in to stay ahead of the curve when it comes to how the world of finance is evolving before our eyes.Follow Igor Tomych on LinkedIn:Linkedin.com/in/igortomych Follow Dennis Winter on LinkedIn:https://www.linkedin.com/in/denniswinterberlin/Follow Fintech Garden on LinkedIn:Linkedin.com/in/fintechgarden Visit DashDevs:https://dashdevs.com/ -
Fintech Garden Episode 115 — T-Shaped Experts in Fintech: Buzzword or Backbone? 29.05.2025 41mntWhat does it really mean to be a T-shaped expert—and why are fintech teams built around them winning faster?In this episode, Igor Tomych sits down with Jeremy Takle, CEO of VEMI and co-founder of Pennyworth, to discuss:✅ The evolution of team structure in modern fintech✅ Why engineers today must become AI-native prompt engineers✅ How to hire and scale when deep expertise and cross-functional thinking are both critical✅ Why regulated digital banks require more than just domain knowledge✅ How next-gen wealth tech products will demand T-shaped thinking by default. Watch the full episode and discover why this hiring mindset might define the next wave of fintech growth. -
Banking Transformation, Core Infrastructure, and Human-Centered Service | Fintech Garden Episode 130 20.11.2025 46mntHosts Igor Tomych and Dumitru Condrea discuss service, legacy infrastructure, and human-centered design in banking with David M. Brear, Group CEO of 11:FS Holdings. David shares lessons from his fintech career and athletic background to illustrate the importance of discipline, resilience, and leadership in transformation.“The real question is not technology or strategy, it’s culture, leadership, and the people making change happen every day.”What You Will Learn:• Why service matters more than scale in modern banking• How fintechs deliver personalized experiences at mass scale• The challenges of legacy systems and technology debt• Why culture, empowerment, and leadership drive real innovation• How an athletic mindset influences resilience and strategic thinking -
Fintech Garden Episode 120 - Stablecoins, Trust and the Future of Payments 24.07.2025 23mnt👉 Subscribe to the Fintech Garden newsletter for weekly insights https://fintech.garden/In this episode, Igor Tomych welcomes Rutger van Faassen, CEO of Informationbanker, to explore the real-world impact of stablecoins—from policy to product.Why is the U.S. suddenly leading in stablecoin adoption? And what role will remittances, Shopify, freelancers, and cross-border payments play in their mass adoption?🔍 Key Topics: ✅ U.S. regulatory clarity: Stablecoin & GENESIS Acts ✅ Real-world use cases: Remittances, freelancers, payroll ✅ How stablecoins act as a store of value in high-inflation regions ✅ Risks and auditability of fiat-pegged tokens ✅ Lessons from Apple Pay’s trust curve📌 Whether you're building crypto payments, watching regulation, or scaling fintech globally, this is essential listening. -
Classic lending isn’t dying. It’s evolving. With Svitlanka Sergiichuk | Fintech Garden Episode 139 22.01.2026 30mntSubscribe to the Fintech Garden Newsletter 👉 https://fintech.garden/Meet Svitlanka Sergiichuk, CEO and co-founder of Novafin Solutions, a lending infrastructure platform that enables fintechs, non-bank lenders, and merchants to launch and operate embedded credit products such as term loans, revolving credit lines, and Buy Now, Pay Later. Along with our host, Igor Tomych, the conversation highlights the way lending is evolving and why structure is more important than cash flow.Watch the previous episode: https://youtu.be/Qj8mop_z1_oBusting Credit Union Myths with Amber Harsin: https://youtu.be/s7ljOEGmUHUFollow Igor Tomych on LinkedIn: https://www.linkedin.com/in/igortomych/Follow Fintech Garden on LinkedIn: https://www.linkedin.com/company/fintechgarden/Follow Svitlanka Sergiichuk on LinkedIn: https://www.linkedin.com/in/svitlanaromaniuk/Visit DashDevs: https://dashdevs.com/ -
Stablecoins without the volatility, with Kebbie Sebastian | Fintech Garden Episode 140 29.01.2026 32mntMeet Kebbie Sebastian, Founder and CEO of Merge, a regulated payments and treasury infrastructure platform enabling enterprises to move money globally in real time using stablecoins and local payment rails. He previously held senior roles at PayPal, Bank of America, Barclays and founded the fintech advisory firm Penser.Watch the previous episode with Svitlanka Sergiichuk: https://youtu.be/IXBNVHBoSDATimestamps:00:05 – Intro01:30 – What changed the industry02:43 – What changed customer needs04:05 – History of stablecoins07:24 – What problem Merge solves10:55 – Difference between stablecoins and fiat12:22 – What makes Merge stand out14:05 – Challenges of scaling19:07 – How to collaborate with banks and regulators23:23 – Business use cases for stablecoins26:31 – The magic of stablecoinsFollow Igor Tomych on LinkedIn: Linkedin.com/in/igortomych Follow Fintech Garden on LinkedIn: Linkedin.com/in/fintechgarden Follow Kebbie Sebastian on LinkedIn: https://www.linkedin.com/in/kebbiesebastian/Visit DashDevs: https://dashdevs.com/ -
Fintech Garden Episode 107 - The Art of Building Strong Fintech Teams 07.02.2025 1j 2mntBuilding fintech teams is both an art and a science—and getting it wrong can be costly.In this episode, Igor Tomych and Dumitru Condrea welcome Anna Kovalenko, VP of HR at DashDevs, to uncover the key ingredients of high-performing fintech teams.💡 What you’ll learn:👥 The biggest team-building mistakes fintech leaders make.🔑 How to transform individuals into an effective unit.⚠️ The hidden challenges in hiring and retaining top talent.🏗️ Why fintech projects require a unique team-building approach. Whether you’re scaling a startup or optimizing a corporate team, this episode is a must-listen!🎧 Listen now -
AI vs Fraud: Inside Device Fingerprinting | Fintech Garden Episode 135 23.12.2025 35mntSubscribe to the Fintech Garden Newsletter 👉 https://bit.ly/45HPDb8Igor Tomych speaks with Catherine Woneis, VP of Product at Fingerprint, about how device intelligence and AI are used to detect fraud without compromising user privacy. The conversation explores device fingerprinting, browser tampering, VPNs, and intent-based fraud detection, highlighting how signals from browsers and apps help financial institutions identify suspicious activity before and after authentication. They also discuss agentic AI, fraud-as-a-service, social engineering, and why humans remain the weakest link in digital security.Follow us: https://fintech.gardenCheck out DashDevs: https://dashdevs.comConnect with our hosts:Igor Tomych – https://www.linkedin.com/in/igortomych/Dumitru Condrea – https://www.linkedin.com/in/dcondrea/Subscribe to our newsletter: https://bit.ly/4nKKiqz -
Why are taxes stuck in the paper age? | Fintech Garden Episode 132 04.12.2025 32mntFintech Garden’s host Igor Tomych connects with Roman von der Höh to talk about revolutionizing withholding tax. Our guests points out the degree at which the current tax system is outdated, needing a true digital transformation.This conversation puts into perspective how tax systems are becoming increasingly complex due to factors such as overseas investments and the introduction of key regulatory systems. In the meantime, banks are struggling to keep up with the everyday demand of end-to-end tax workflows with lower costs and fewer specialists, to which Roman provides a solution. Subscribe to the Fintech Garden Newsletter 👉 https://bit.ly/45HPDb8 -
Scaling Without Illusions with Nikolay Popandopulo | Fintech Garden Episode 137 08.01.2026 31mntIgor chats with Nikolay Popandopulo, a math and software engineering graduate, a former Oracle engineer, and most of all the CPO, Kaspi.kz — eGrocery division, Kazakhstan's biggest fintech company. His company boasts profit margins topping those of banks and other fintechs.The two executives take a no-holds-barred approach to explaining what it's like bringing a fintech company to the big leagues. You'd think the conversation would focus on technologies and trends, but the reality may surprise you. -
Why fintech is moving from speed to trust, with Ezequiel Canestrari | Fintech Garden Podcast 150 14.04.2026 32mnt👉 Subscribe to the Fintech Garden Newsletter: https://fintech.gardenMeet Ezequiel Canestrari, COO at ClearBank Europe — a clearing and embedded banking platform at the intersection of fintechs, payment rails, and regulation.In this episode, we go beyond the surface of Banking-as-a-Service and embedded banking to unpack what actually drives success in modern fintech infrastructure. From the trade-off between speed and trust to why operational readiness matters more than ever, this conversation explores how fintech has evolved from “build fast” to “build right.”We also dive into how regulation (DORA, SEPA Instant, MiCA) is shaping innovation in Europe, why resilience and uptime are becoming core product features, and how embedded banking changes the relationship between fintechs and banks.If you’re building or scaling fintech products — this is a must-watch.ClearBank is a purpose-built, technology-enabled clearing and embedded banking platform. Through its banking licence and intelligent, robust technology solutions, ClearBank enables its clients to offer real-time payment and innovative banking services to their customers.ClearBank https://clear.bank/ AI systems do not hallucinate. Humans hallucinate, with Tony Fish | Fintech Garden Podcast 146: https://youtu.be/xJTZ2avYiNkFintechs sell products. Banks absorb responsibility, with Ronel David | Fintech Garden Podcast 148: https://youtu.be/jq6QuFP7Az8Timestamps:00:00 – Intro01:12 – BaaS is more than APIs03:54 – Why speed is no longer enough05:19 – Market shift: from growth to stability07:24 – Operational readiness explained12:32 – What embedded banking really is20:54 – The future of embedded finance24:17 – ‘Trust as the new commodity’27:18 – Building with regulation in mind30:13 – Why regulation enables innovationThe Fintech Garden is hosted by Igor Tomych, founder and CEO of DashDevs, and Dumitru Condrea, founder of Novafin. All conversations revolve around the world of fintech, movers and shakers, how decisions are made. Make sure to tune in to stay ahead of the curve when it comes to how the world of finance is evolving before our eyes. Follow us: https://fintech.gardenCheck out DashDevs: https://dashdevs.comConnect with our hosts:Igor Tomych https://www.linkedin.com/in/igortomych/Dumitru Condrea https://www.linkedin.com/in/dcondrea/Guest:Ezequiel Canestrari https://www.linkedin.com/in/ecanestrari/
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