FinTech Product Manager @ NerdySoft | Driving Innovation, Core Banking & Digital Payments

I lead innovation initiatives in FinTech, specializing in AI/ML-driven solutions for digital banking, lending, and payment systems. With over five years accelerating technical innovation in the FinTech space and a Master's in Economics from Simon Kuznets National University, I bridge emerging technology exploration with practical platform implementation.

In my current role, I focus on co-creating next-generation FinTech solutions with financial institutions through technical innovation programs, proof-of-concepts, and collaborative R&D that solves real infrastructure challenges.

💡 𝐌𝐲 𝐂𝐨𝐫𝐞 𝐅𝐨𝐜𝐮𝐬 & 𝐄𝐱𝐩𝐞𝐫𝐭𝐢𝐬𝐞:

My work centers on transforming complex technical concepts into production-ready solutions:

Innovation & Technical Co-Creation: Building innovation labs and collaborative R&D programs that explore emerging FinTech technologies and accelerate platform modernization.

AI/ML Innovation Architecture: Designing and implementing AI/ML capabilities into payment and lending infrastructure. Key achievement: Led an innovation pilot that improved payment processing speed by 30% through AI integration.

Platform Modernization & Infrastructure: Deep technical expertise in payment systems architecture, Open Banking implementation, platform migration, and enterprise-grade FinTech stack optimization.

🤝 𝐏𝐡𝐢𝐥𝐨𝐬𝐨𝐩𝐡𝐲 & 𝐂𝐨𝐧𝐧𝐞𝐜𝐭𝐢𝐨𝐧

I'm passionate about democratizing financial technology through innovative technical solutions and helping organizations navigate complex platform modernization challenges. I believe the fastest path to breakthrough innovation comes from collaborative exploration and technical co-creation between engineering teams.

I'm always interested in connecting with CTOs, Engineering Leaders, Product Architects, and Technical Innovation professionals who are exploring AI/ML in financial services, tackling platform modernization challenges, or building the next generation of FinTech infrastructure.

I’ve been working in fintech long enough to think nothing can surprise me anymore.

But this week, something actually did.

Visa, yes, Visa executed its first ever commercial A2A variable recurring payment in the UK.

And the crazy part?

It felt like watching the future quietly sneak into the present.

If you live in the UK, you know how deeply people rely on Direct Debit.
It’s like a national ritual you set it once and hope the money leaves your account on time every month.

But here’s the thing:
60% of consumers say they’d happily switch to a new method if it gave them more control.

And that’s exactly what this new Visa A2A model does.

Instant confirmation.
More transparency.
A clear view of when and how your recurring payments are taken.
And consumer protection that feels a lot like card rails - including dispute options.

What really impressed me is the collaboration behind it:

Tink initiated the first transaction

Kroo Bank executed it in real time through Faster Payments

Visa powered the operational layer

Utilita showed how a commercial mandate can be set directly inside an app

It’s smooth.
It’s fast.
It’s actually… elegant.

And if it scales, it could reshape how recurring payments work in the UK giving users more control, and businesses faster, more predictable cash flow.

Fintech doesn't always move in big dramatic jumps.
Sometimes it moves in small steps that quietly change everything.

Have a great weekend ahead ✨

Roman Popov

Innovation Lead @ NerdySoft | Fintech Platform Innovation & Modernization | Open Banking, Payment Systems & Digital Banking | 30% Faster Processing

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