Blog · Oleksandr Potapenko

Founder voice

Commentary

Short positioning pieces on specific Finray Intelligence radars. First-person, opinionated, not vendor-neutral. Each links through to the primary-source-cited radar on finray.tech.

Founder voice 12 May 2026

Most Core Banking RFPs Solve the Wrong Problem.

A core banking RFP that scores ledger features, payment rails, and API surface is solving a 2015 problem. The 2026 problem is regulatory composability — and most vendor demos optimise for the former because that's what RFPs ask.

Links through to

EU/UK PI/EMI core banking selection radar →
Founder voice 12 May 2026

The MiCA Licensing Bar Is Higher Than the Statute.

Roughly 3,100 pre-MiCA VASPs entered 2024 expecting the transition window to be survivable. 53 made it through. The numbers say more about how NCAs actually evaluate CASP applications than the level-1 text does.

Links through to

MiCA CASP licensing forensic →
Founder voice 12 May 2026

DORA Article 28 Is Not a Vendor Management Checkbox.

DORA Article 28 reads like a vendor management framework. Treating it as exactly that is the surest way to receive Joint Examination Procedure findings in the 2026-2027 supervisory cycle.

Links through to

DORA Article 28 ROI tracker →

Articles

External publications

Filter by category. Each article links to the canonical version on the publication's site.

Talks & podcasts

Speaking

Selected conference talks and podcast appearances on FinTech infrastructure, regulated AI, and compliance architecture.

Product Mindset · Episode 4

The Future of FinTech Infrastructure — Where Compliance Meets Innovation

FinTech is entering a new era where compliance isn't just a requirement — it's a competitive advantage. In this episode of Product Mindset we explore how product leaders can design infrastructure that's both compliant and innovative.

Making compliance a native part of product infrastructure
Building resilience and trust across global markets
Designing customer-friendly compliance journeys
Turning regulation into new product opportunities

Subscribe to Product Mindset →

Software Architecture Conference 2025 · CSharpCorner

API-First Core Banking Systems — Engineering for Security, Scalability & Compliance

Invited session at the Fourth Edition Software Architecture Conference (Aug 5–8, 2025) on modern API-driven architecture for banking systems — engineering API-first core platforms that are secure, scalable, and compliant by design. Streamed live to an audience of over 2,500.

API contracts as the unit of banking domain capability
Compliance-aware platform layer rather than bolted-on controls
Horizontal scalability under regulatory load

Building modern financial systems.

Commentary

Most Core Banking RFPs Solve the Wrong Problem.

The MiCA Licensing Bar Is Higher Than the Statute.

DORA Article 28 Is Not a Vendor Management Checkbox.

External publications

Dual Monitoring Stacks Are Not a Transitional Inconvenience. They Are a Structural Liability.

API-First Engineering for Security, Scalability and Compliance

Event-Sourced Ledgers in Plain English: From Mutable Rows to Immutable Facts

Autonomous Compliance: Thriving in the Post-2025 Regulatory Landscape

Speaking

The Future of FinTech Infrastructure — Where Compliance Meets Innovation

API-First Core Banking Systems — Engineering for Security, Scalability & Compliance