SZSerhii Zakharov

1. Article · Sep 14, 2026 · Serhii Zakharov

   From Growth To Profitability: The New Reality For Fintech CEOs (opens the original)

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   In the early years of fintech, speed was everything. If you were making money, the thinking went, you weren’t spending aggressively enough on growth. Burn was a signal. Investors funded it, boards celebrated it and the companies that grew fastest, whatever it cost them, got the next round at a higher valuation. I started building at the tail end of that era, and I remember how strange it felt to run a business that had to pay for itself. On paper, it was a disadvantage. Competitors with worse ec

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2. Article · Aug 6, 2026 · Serhii Zakharov

   The Hidden Power Shift: From Banks To Payment Infrastructure Providers (opens the original)

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   Most people think that boxing matches are won by throwing the most punches, but fights are actually won by controlling the ring. Positioning decides the outcome before the first exchange, and the punches only confirm it. I've been looking at payments through this lens for years. The industry spent the last decade obsessed with who's disrupting whom: neobanks versus legacy banks, fintechs versus incumbents. The framing always returns to one question: Who's winning the customer? That question focu

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