What 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.

In this episode, Igor Tomych and Dumitru Condrea explore the ethical concerns of using AI and machine learning in credit scoring.

They share two real-world cases where two nearly identical applicants received different decisions—one approved, one rejected. Why? Because AI isn't always fair— and even human-designed systems can carry unintended bias.

🔍 Key topics:

✅ How ML-based scoring systems can discriminate unintentionally

✅ The role of data, segmentation, and local bias in shaping credit decisions

✅ Regional differences in AI scoring logic

✅ The thin line between personalization and profiling

✅ How to evaluate and build ethical AI models

📌 Whether you're working with scoring systems or building AI-driven products, this is a must-listen.

Speed. Security. Scalability. None of it happens without the right team.

In this episode, Igor Tomych and Dumitru Condrea explore what it really takes to build a productive, structured engineering team in a fintech environment.

🔍 Key topics: 

✅ Defining roles beyond job titles

✅ Inputs, outputs, and internal suppliers

✅ What every CTO should understand about team capacity and capability

✅ How to avoid overengineering and misalignment from day one

If you're scaling or launching your fintech product, this episode is your team design blueprint.

🎧 Listen now!

More businesses are adopting payment orchestration—but what does it really take to build one?

In this episode, Igor Tomych and Dumitru Condrea explore: 

💡 Why orchestration matters for CFOs, CTOs, and fintech founders

💡 What makes it different from PSPs and payment gateways

💡 How companies can go from scattered payment flows to centralized, automated systems

💡 Real cases, smart routing, settlement automation, and more

🎯 If you’ve ever juggled 5 PSPs, manual Excel reports, and high payment fees, this one’s for you.

Listen now and subscribe!

Not all "digital money" is created equal.

In our Fintech Garden Podcast, host Igor Tomych and guest Jonny Fry break down the key differences between E-Money and D-Money—and why it matters for fintech innovators. 

Key takeaways:
📍E-Money is the digital version of traditional banking—still reliant on legacy systems.
📍D-Money (blockchain-based) enables instant, secure, and programmable payments.
📍The future? Faster settlements, lower costs, and fewer intermediaries.

Banks and card networks must adapt or be disrupted. Are stablecoins, CBDCs, and tokenized assets the next frontier for financial services? 

Don’t miss this must-listen episode!

🎙️ New Podcast Episode— Vendor Strategies That Work!

Choosing the right vendor model can make or break a fintech product. In this episode of Fintech Garden Podcast, Igor Tomych sits down with DashDevs VP of Business Development, Artem Boboshko, to explore the best engagement models for fintech success.

💡 What you’ll learn:

✅ The difference between software outsourcing, product outsourcing, and dedicated teams.

 ✅ Why some fintechs struggle with vendors—and how to avoid common mistakes.

✅ How accountability and flexibility impact vendor success.

✅ When to outsource, when to build in-house, and how to scale efficiently.

🎧 Listen now and learn how to get vendor partnerships right!

AI & ML in FinTech: Practical Use Cases and Business Value

AI is transforming financial services, but many fintechs struggle to separate marketing buzz from real impact. In this episode, Igor Tomych and Dumitru Condrea discuss the practical applications of AI and Machine Learning in fintech, focusing on security, risk, and efficiency.

Key Topics:

• The difference between AI & ML and when to use each

• Fraud detection & risk scoring: AI’s role in preventing financial crime

• AI-driven credit scoring: How ML improves decision-making

• Regulatory risks: What fintechs need to know

Listen now for a clear and practical discussion on AI’s real business value in fintech.

Episode 108 of Fintech Garden by DashDevs is here—Banking as a Service vs. Core Banking vs. Embedded Finance.

Join Igor Tomych and Dumitru Condrea as they discuss:

✅ Banking as a Service (BaaS) vs. core banking vs. embedded finance.

💡 What is a core banking solution, and when do you need one?

🔍 BaaS providers and platforms—who are the top players?

💳 Embedded finance examples—how businesses are embedding financial services.

📈 The future of the banking-as-a-service market and where it’s headed.

If you’re in fintech, SaaS, or financial services, this episode is packed with insights!

Building 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

Join Igor Tomych and special guest Mehmet Burga Kaya, Vice President of PaybyMe, for an in-depth exploration of BaaS and its transformative impact on fintech! 🌟

This episode explores:

📊 How Banking as a Service (BaaS) is reshaping financial innovation.

🌐 Comparative insights: BaaS vs. traditional banking models.

💼 Licensing and compliance: Key considerations for BaaS adoption.

🚀 Real-world success stories, including PaybyMe’s pioneering solutions.

🔍 The future of BaaS and its role in embedded finance.

Whether you’re a fintech professional, a startup founder, or simply intrigued by the latest industry trends, this episode offers invaluable perspectives. 🎧