Transformation programs across the payments industry rarely fail in the boardroom. More often, they fail in delivery. Platform selection is usually treated as a technology decision. Buyers compare functionality, architecture, deployment models and roadmaps. Yet in practice, ROI is often determined by how well the platform is implemented, configured and evolved over time. For OpenWay, the company behind the Way4 platform, years of delivering transformations for banks, processors and fintechs across regions and business models have led to one clear conclusion: long-term platform value is shaped as much by delivery discipline as by product capability. As Chief Technology Officer Dmitry…
Author: Maria Vin, Head of Strategy, OpenWay
Author
Maria Vin, Head of Strategy, OpenWay
Maria Vin is Head of Strategy at OpenWay, where her work covers payment technology strategy, business models, roadmap direction, and go-to-market initiatives across banks, processors, and fintechs. Her background spans product management, digital transformation, and strategy, with contributions over the years to payment innovations including early digital wallets, universal payment hubs, omni-channel payments, and payment SaaS models. Today, she focuses on AI-driven and other emerging propositions, as well as product, brand, and growth strategy.
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Artificial intelligence has arrived in payments. Big Tech players are embedding AI into authentication, personalisation, cashierless checkout and conversational commerce. Lately, Amazon attributed its 35% profit surge to its AI investments in payments and checkout. Fintechs are also experimenting aggressively with agentic AI, real-time recommendations, and automated customer service. bunq’s AI assistant “Finn”, part of Europe’s first AI-powered neobank, now handles up to 40% of user support questions independently while assisting with up to 75% of queries daily. Yet for many tier-1 and tier-2 banks, processors, and established fintechs, the question is not whether to use AI, but how to…