Latest opinions that Alex Malyshev has shared on Finextra

Join the Community

24,149

Expert opinions

40,705

Total members

332

New members (last 30 days)

194

New opinions (last 30 days)

29,296

Total comments

Join Sign in

Alex Malyshev

CEO, Co-founder

SDK.finance, white-label FinTech Platform

Member since

12 Feb 2020

Location

Vilnius

View Alex Malyshev's full profile

Alex's opinions

White-Label Digital Banking Trends to Watch in 2026

White-label digital banking is rapidly maturing - and by 2026, it will no longer be viewed merely as a shortcut to market but as a core enabler of financial innovation. The numbers alone tell the story. According to various industry forecasts, the combined white-label and Banking-as-a-Service (BaaS) market is expected to reach around USD 60 b

14 October 2025 /retail

High-Volume Transactions: Essential Benchmark or Industry Hype?

Transactions per second (TPS) has become the payments industry's favourite vanity metric. Every year, headlines celebrate Visa's 65,000 TPS peaks or Alipay's half a million transactions in a single second. These numbers impress. But for 90% of banks, fintechs, and wallet providers, they are irrelevant - and chasing them is a costly distraction. Wh...

30 September 2025 /retail /markets Fintech

From Banks to PSPs: The Push Toward Crypto-to-Fiat Integration

For years, cryptocurrency and traditional finance were seen as parallel worlds. Banks focused on fiat. Crypto exchanges focused on digital assets. Payment service providers largely stayed on the sidelines. That separation is no longer sustainable. Today, clients expect to move between crypto and fiat currencies as easily as they transfer money betw...

08 September 2025 /crypto

Empowering Governments to Deliver Digital Social Payments: Challenges and Key Software Consideration

Governments everywhere are racing to modernize, but there’s one area that consistently proves more complicated than most: rolling out digital payment systems for social benefits and public programs. Over the years, working alongside public sector teams on card-issuing projects and social benefit platforms, I’ve seen just how delicate this balancin...

21 July 2025 /payments /inclusion Fintech

Owning Your Payment Infrastructure: Why FinTechs Are Rethinking ‘Platform as a Service’

In the early days of FinTech, speed to market was everything. Platform-as-a-Service (PaaS) models promised rapid deployment, simplified compliance, and pre-integrated features. For many startups, this was a lifeline. But as these companies grow, especially in regulated or high-volume environments, they’re finding that the very infrastructure that ...

26 May 2025 /payments /startups Fintech

The Missing Piece in FinTech’s Innovation Game? It’s the Back Office. Doing Less Is the Smarter Move

Let’s be real: in today’s FinTech scene, it feels like everyone’s sprinting toward the same finish line: more features, flashier UIs, trendier tech stacks. One day, it's crypto wallets, and the next, it’s AI-powered spending charts. Shiny stuff gets attention, especially from investors and early adopters. But here’s the uncomfortable truth: that r...

23 April 2025 /retail /startups Fintech

The VRP Revolution: How Automated Payments Will Transform Banking Over the Next Decade

In 2023, Visa and Mastercard, two of the largest players in the payment industry, generated over $57 billion in combined revenue, primarily through the fees they charge businesses for processing card transactions. A major component of their services is the card-based recurring payment model, which has played a significant role in the expansion of ...

02 December 2024 /payments /retail Open Banking

A Closer Look at KYC Procedure: Know Your Customer Process Overview

The film "Catch Me if you Can" is an example of how easily one person with the ability to forge checks and fake his identity can steal more than a million dollars from banks in the United States. No matter how fun and iconic this movie is, it shows that it is possible to cheat the banking system. The "Know Your Customer" proc

26 April 2023 /regulation /crime Digital Banking

Voice Cloning: A Blessing or a Curse for the Voice Banking Industry?

Imagine being able to talk to your bank account and conduct transactions without the need for a phone or computer. That's the reality of voice-based banking, a fast-growing industry expected to reach $3.7 billion by 2031 (according to Allied Market Research). Recently, however, a big BUT emerged that threatens the whole industry. Back in 2020, I wa...

27 February 2023 /payments /crime Banking

Hybrid Cloud in Banking: Is Combining a Public Cloud and Own Data Center Worthwhile?

Today, cloud computing is a crucial component of the banking and financial services industry. The American Bankers Association estimates that more than 90% of financial institutions use cloud solutions for some or all of their banking activities. However, despite the widespread use of cloud computing in fintech, most banks are still hesitant to tr...

20 October 2022 /retail /cloud Cloud Banking out of the Box

Community