{"id":10953,"date":"2026-03-19T12:27:26","date_gmt":"2026-03-19T12:27:26","guid":{"rendered":"https:\/\/thecodest.co\/blog\/\/"},"modified":"2026-03-19T14:00:30","modified_gmt":"2026-03-19T14:00:30","slug":"jak-ruzne-spolecnosti-zabyvajici-se-vyvojem-softwaru-pristupuji-k-produktovemu-inzenyrstvi-pro-fintech","status":"publish","type":"post","link":"https:\/\/thecodest.co\/cs\/blog\/how-different-software-development-companies-approach-product-minded-engineering-for-fintech\/","title":{"rendered":"Jak r\u016fzn\u00e9 spole\u010dnosti zab\u00fdvaj\u00edc\u00ed se v\u00fdvojem softwaru p\u0159istupuj\u00ed k produktov\u011b orientovan\u00e9mu in\u017een\u00fdrstv\u00ed pro FinTech"},"content":{"rendered":"<p>Na str\u00e1nk\u00e1ch <a href=\"https:\/\/thecodest.co\/cs\/blog\/expert-custom-fintech-software-development-transform-your-business\/\">FinTech<\/a> v posledn\u00edm desetilet\u00ed zaznamenal pozoruhodn\u00fd r\u016fst.&nbsp;<strong>FinTech<\/strong>, neboli finan\u010dn\u00ed technologie, p\u0159edstavuje nov\u00fd p\u0159\u00edstup ke spr\u00e1v\u011b pen\u011bz, kter\u00fd vyu\u017e\u00edv\u00e1&nbsp;<strong>software<\/strong>&nbsp;finan\u010dn\u011b podpo\u0159it&nbsp;<strong>slu\u017eby<\/strong>&nbsp;jednodu\u0161\u0161\u00ed, rychlej\u0161\u00ed a u\u017eivatelsky p\u0159\u00edv\u011btiv\u011bj\u0161\u00ed. \u0158e\u0161en\u00ed jako nap\u0159.&nbsp;<strong>digit\u00e1ln\u00ed pen\u011b\u017eenky<\/strong>,&nbsp;<strong>mobiln\u00ed <a href=\"https:\/\/thecodest.co\/cs\/dictionary\/what-is-fintech-in-banking\/\">bankovnictv\u00ed<\/a><\/strong>, a digit\u00e1ln\u00ed platebn\u00ed platformy nahrazuj\u00ed tradi\u010dn\u00ed bankovn\u00ed procesy zjednodu\u0161en\u00fdmi digit\u00e1ln\u00edmi zku\u0161enostmi.<\/p>\n\n\n\n<p>R\u016fst tohoto odv\u011btv\u00ed poukazuje na to, jak d\u016fle\u017eitou se finan\u010dn\u00ed technologie staly v celosv\u011btov\u00e9m m\u011b\u0159\u00edtku. Na str\u00e1nk\u00e1ch .&nbsp;<strong>Technologie FinTech <a href=\"https:\/\/thecodest.co\/cs\/dictionary\/what-is-the-size-of-your-potential-reachable-market\/\">trh<\/a><\/strong>&nbsp;byla ocen\u011bna na&nbsp;<strong>$215,3 miliardy v roce 2022<\/strong>&nbsp;a p\u0159edpokl\u00e1d\u00e1 se, \u017ee dos\u00e1hne&nbsp;<strong>p\u0159ibli\u017en\u011b $751,5 miliardy do roku 2032.<\/strong>, rostouc\u00ed slo\u017eenou ro\u010dn\u00ed m\u00edrou r\u016fstu (CAGR) ve v\u00fd\u0161i&nbsp;<strong>18.5%<\/strong>. Digit\u00e1ln\u00ed platby dominuj\u00ed v tomto odv\u011btv\u00ed, p\u0159i\u010dem\u017e v\u00edce ne\u017e&nbsp;<strong>3 miliardy u\u017eivatel\u016f v roce 2024<\/strong>, o\u010dek\u00e1v\u00e1 se, \u017ee se zv\u00fd\u0161\u00ed na&nbsp;<strong>4,45 miliardy u\u017eivatel\u016f do roku 2029<\/strong>.<\/p>\n\n\n\n<p>I p\u0159es tento masivn\u00ed r\u016fst v\u0161ak,&nbsp;<strong><a href=\"https:\/\/thecodest.co\/cs\/blog\/on-the-radar-top-fintech-companies-in-nevada\/\">fintech spole\u010dnosti<\/a><\/strong>&nbsp;\u010del\u00ed slo\u017eit\u00fdm v\u00fdzv\u00e1m. Mus\u00ed zajistit&nbsp;<strong><a href=\"https:\/\/thecodest.co\/cs\/blog\/app-data-collection-security-risks-value-and-types-explored\/\">data<\/a> zabezpe\u010den\u00ed<\/strong>, dodr\u017eovat p\u0159\u00edsn\u00e1 pravidla&nbsp;<strong>dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f<\/strong>&nbsp;r\u00e1mce, jako jsou nap\u0159.&nbsp;<strong><a href=\"https:\/\/thecodest.co\/cs\/blog\/cyber-security-dilemmas-data-leaks\/\">GDPR<\/a><\/strong>,&nbsp;<strong>FCA<\/strong>a&nbsp;<strong>PSD2<\/strong>, a udr\u017eet si d\u016fv\u011bru p\u0159i pr\u00e1ci v extr\u00e9mn\u011b&nbsp;<strong>konkuren\u010dn\u00ed prost\u0159ed\u00ed<\/strong>.<\/p>\n\n\n\n<p>Kv\u016fli t\u011bmto tlak\u016fm se tradi\u010dn\u00ed&nbsp;<strong><a href=\"https:\/\/thecodest.co\/cs\/blog\/8-key-questions-to-ask-your-software-development-outsourcing-partner\/\">v\u00fdvoj softwaru<\/a><\/strong>&nbsp;p\u0159\u00edstupy jsou \u010dasto nedostate\u010dn\u00e9. Mnoho&nbsp;<strong><a href=\"https:\/\/thecodest.co\/cs\/blog\/top-5-london-based-software-development-companies\/\">spole\u010dnosti zab\u00fdvaj\u00edc\u00ed se v\u00fdvojem softwaru<\/a><\/strong>&nbsp;p\u0159ij\u00edmaj\u00ed&nbsp;<strong><a href=\"https:\/\/thecodest.co\/cs\/dictionary\/how-to-make-product\/\">produkt<\/a> sm\u00fd\u0161lej\u00edc\u00ed in\u017een\u00fdrstv\u00ed<\/strong>&nbsp;vytv\u00e1\u0159et \u0161k\u00e1lovateln\u00e9 a spolehliv\u00e9 digit\u00e1ln\u00ed finan\u010dn\u00ed produkty.<\/p>\n\n\n\n<p>Ot\u00e1zkou v\u0161ak z\u016fst\u00e1v\u00e1:&nbsp;<strong>jak r\u016fzn\u00e9 spole\u010dnosti zab\u00fdvaj\u00edc\u00ed se v\u00fdvojem softwaru p\u0159istupuj\u00ed k produktov\u00e9mu in\u017een\u00fdrstv\u00ed pro FinTech?<\/strong><\/p>\n\n\n\n<p>Odpov\u011b\u010f spo\u010d\u00edv\u00e1 v kombinaci&nbsp;<strong>\u0159\u00edzen\u00ed produkt\u016f<\/strong>, modern\u00ed&nbsp;<strong>technologie<\/strong>, spolupr\u00e1ce nap\u0159\u00ed\u010d jednotliv\u00fdmi funkcemi a hlubok\u00e9 porozum\u011bn\u00ed problematice.&nbsp;<strong>obchodn\u00ed model<\/strong>,&nbsp;<strong>chov\u00e1n\u00ed u\u017eivatel\u016f<\/strong>, a dynamiku trhu.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Co je produktov\u00e9 in\u017een\u00fdrstv\u00ed<\/h1>\n\n\n\n<p><strong>Zam\u00fd\u0161len\u00fd produkt <a href=\"https:\/\/thecodest.co\/cs\/blog\/team-extension-guide-software-development\/\">in\u017een\u00fd\u0159i<\/a><\/strong>&nbsp;p\u0159es\u00e1hnout r\u00e1mec psan\u00ed&nbsp;<strong><a href=\"https:\/\/thecodest.co\/cs\/dictionary\/what-is-code-refactoring\/\">k\u00f3d<\/a><\/strong>. Nam\u00edsto toho, aby se zam\u011b\u0159ovaly pouze na implementaci, usiluj\u00ed o to.&nbsp;<strong>hluboce porozum\u011bt<\/strong>&nbsp;jak technologie p\u0159isp\u00edvaj\u00ed k&nbsp;<strong>obchodn\u00ed c\u00edle<\/strong>, zlep\u0161uje zku\u0161enosti z\u00e1kazn\u00edk\u016f a vytv\u00e1\u0159\u00ed dlouhodob\u00e9&nbsp;<strong>obchodn\u00ed hodnota<\/strong>.<\/p>\n\n\n\n<p>V tradi\u010dn\u00edch modelech v\u00fdvoje,&nbsp;<strong>softwarov\u00ed in\u017een\u00fd\u0159i<\/strong>&nbsp;se zam\u011b\u0159uj\u00ed p\u0159edev\u0161\u00edm na to, jak vytv\u00e1\u0159et softwarov\u00e9 syst\u00e9my. Naproti tomu,&nbsp;<strong>produktov\u00ed in\u017een\u00fd\u0159i<\/strong>&nbsp;zam\u011b\u0159it se na&nbsp;<strong>pro\u010d<\/strong>&nbsp;a&nbsp;<strong>co<\/strong>&nbsp;by m\u011bly b\u00fdt vybudov\u00e1ny.<\/p>\n\n\n\n<p>Tento posun od&nbsp;<strong><a href=\"https:\/\/thecodest.co\/cs\/blog\/the-top-benefits-of-outsourcing-software-engineering-services\/\">softwarov\u00e9 in\u017een\u00fdrstv\u00ed<\/a> k produktov\u00e9mu in\u017een\u00fdrstv\u00ed<\/strong>&nbsp;p\u0159edstavuje v\u00fdznamnou zm\u011bnu my\u0161len\u00ed. M\u00edsto toho, aby se chovali jako \u201cp\u0159ij\u00edmatel\u00e9 objedn\u00e1vek\u201d pro&nbsp;<strong>produktov\u00ed mana\u017ee\u0159i<\/strong>, in\u017een\u00fd\u0159i se pod\u00edlej\u00ed na po\u010d\u00e1te\u010dn\u00edch f\u00e1z\u00edch&nbsp;<strong><a href=\"https:\/\/thecodest.co\/cs\/blog\/3-common-challenges-of-software-product-development-for-startups\/\">v\u00fdvoj produkt\u016f<\/a><\/strong>, kter\u00e9 p\u0159isp\u00edvaj\u00ed k:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>definov\u00e1n\u00ed&nbsp;<strong><a href=\"https:\/\/thecodest.co\/cs\/blog\/maximize-your-product-vision-workshops\/\">vize produktu<\/a><\/strong><\/li>\n\n\n\n<li>porozum\u011bn\u00ed&nbsp;<strong>pot\u0159eby u\u017eivatel\u016f<\/strong><\/li>\n\n\n\n<li>analyzovat&nbsp;<strong>konkuren\u010dn\u00ed prost\u0159ed\u00ed<\/strong><\/li>\n\n\n\n<li>identifikace&nbsp;<strong>pot\u0159eba trhu<\/strong><\/li>\n<\/ul>\n\n\n\n<p>A&nbsp;<strong>produktov\u00fd in\u017een\u00fdr<\/strong>&nbsp;se zam\u011b\u0159uje na \u0159e\u0161en\u00ed probl\u00e9m\u016f u\u017eivatel\u016f a dosahov\u00e1n\u00ed smyslupln\u00fdch v\u00fdsledk\u016f, nikoliv pouze na poskytov\u00e1n\u00ed technick\u00fdch funkc\u00ed.<\/p>\n\n\n\n<p>V praxi to znamen\u00e1, \u017ee in\u017een\u00fd\u0159i \u00fazce spolupracuj\u00ed s.&nbsp;<strong>n\u00e1vrh\u00e1\u0159i<\/strong>,&nbsp;<strong>produktov\u00ed mana\u017ee\u0159i<\/strong>, a dal\u0161\u00ed&nbsp;<strong>nein\u017een\u00fd\u0159i<\/strong>&nbsp;k utv\u00e1\u0159en\u00ed celkov\u00e9ho&nbsp;<strong>digit\u00e1ln\u00ed produkt<\/strong>.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Pro\u010d je produktov\u00e9 my\u0161len\u00ed pro FinTech kl\u00ed\u010dov\u00e9?<\/h1>\n\n\n\n<p><a href=\"https:\/\/thecodest.co\/cs\/blog\/what-are-the-top-fintech-development-partners-for-rapid-scale\/\">V\u00fdrobky FinTech<\/a> pracovat v jednom z nejslo\u017eit\u011bj\u0161\u00edch technologick\u00fdch prost\u0159ed\u00ed.&nbsp;<strong>Finan\u010dn\u00ed instituce<\/strong>&nbsp;mus\u00ed zpracov\u00e1vat velk\u00e9 objemy transakc\u00ed a z\u00e1rove\u0148 chr\u00e1nit citliv\u00e9 \u00fadaje.&nbsp;<strong>\u00fadaje o z\u00e1kazn\u00edc\u00edch<\/strong>&nbsp;a dodr\u017eov\u00e1n\u00ed p\u0159\u00edsn\u00fdch p\u0159edpis\u016f.<\/p>\n\n\n\n<p>Dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f, nap\u0159.&nbsp;<strong>boj proti pran\u00ed \u0161pinav\u00fdch pen\u011bz (AML)<\/strong>&nbsp;a&nbsp;<strong>Poznej sv\u00e9ho z\u00e1kazn\u00edka (KYC)<\/strong>&nbsp;po\u017eadavky jsou pro fintech startupy v\u00fdznamnou v\u00fdzvou.<\/p>\n\n\n\n<p>V FinTech,&nbsp;<strong>rychlost je rozhoduj\u00edc\u00ed<\/strong>, ale dodr\u017eov\u00e1n\u00ed je&nbsp;<strong>nevyjednateln\u00e9<\/strong>.<\/p>\n\n\n\n<p>Sou\u010dasn\u011b,&nbsp;<strong>bezpe\u010dnost dat a ochrana soukrom\u00ed mus\u00ed b\u00fdt nejvy\u0161\u0161\u00edmi prioritami.<\/strong>. Spole\u010dnosti mus\u00ed zav\u00e9st bezpe\u010dn\u00e9 syst\u00e9my, kter\u00e9 zahrnuj\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>v\u00edcefaktorov\u00e9 ov\u011b\u0159ov\u00e1n\u00ed<\/strong><\/li>\n\n\n\n<li><strong>hodnocen\u00ed zranitelnosti<\/strong><\/li>\n\n\n\n<li>bezpe\u010dn\u00e9 sledov\u00e1n\u00ed transakc\u00ed<\/li>\n\n\n\n<li>pokro\u010dil\u00e9 odhalov\u00e1n\u00ed podvod\u016f<\/li>\n<\/ul>\n\n\n\n<p>Spole\u010dnosti st\u00e1le \u010dast\u011bji p\u0159ij\u00edmaj\u00ed&nbsp;<strong>modely zabezpe\u010den\u00ed s nulovou d\u016fv\u011brou<\/strong>, kde ka\u017ed\u00fd po\u017eadavek mus\u00ed b\u00fdt ov\u011b\u0159en a ov\u011b\u0159en pomoc\u00ed n\u00e1stroj\u016f, jako je nap\u0159.&nbsp;<strong>nem\u011bnn\u00e9 <a href=\"https:\/\/thecodest.co\/cs\/dictionary\/what-is-a-cyber-security-audit\/\">audit<\/a> protokoly<\/strong>&nbsp;a&nbsp;<strong>detekce anom\u00e1li\u00ed v re\u00e1ln\u00e9m \u010dase<\/strong>.<\/p>\n\n\n\n<p>D\u016fv\u011bra je k\u0159ehk\u00e1 <a href=\"https:\/\/thecodest.co\/cs\/blog\/top-technologies-used-in-european-fintech-development\/\">finan\u010dn\u00ed slu\u017eby<\/a>. I drobn\u00e9 chyby v zabezpe\u010den\u00ed nebo spolehlivosti mohou po\u0161kodit pov\u011bst a v\u00e9st ke ztr\u00e1t\u011b z\u00e1kazn\u00edk\u016f.<\/p>\n\n\n\n<p>Proto z\u00edsk\u00e1v\u00e1n\u00ed&nbsp;<strong>d\u016fv\u011bra z\u00e1kazn\u00edk\u016f<\/strong>&nbsp;z\u016fst\u00e1v\u00e1 jednou z nejv\u011bt\u0161\u00edch v\u00fdzev, kter\u00fdm fintech spole\u010dnosti \u010del\u00ed.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/thecodest.co\/services\/software-development\/\"><img decoding=\"async\" src=\"\/app\/uploads\/2024\/08\/Explore_Our_Services-1.png\" alt=\"\" class=\"wp-image-4927\"\/><\/a><\/figure>\n\n\n\n<h1 class=\"wp-block-heading\">Produktov\u00e9 in\u017een\u00fdrstv\u00ed zam\u011b\u0159en\u00e9 na z\u00e1kazn\u00edka<\/h1>\n\n\n\n<p>Charakteristick\u00fdm rysem&nbsp;<strong>modern\u00ed produktov\u00e9 in\u017een\u00fdrstv\u00ed<\/strong>&nbsp;je siln\u011b zam\u011b\u0159en na&nbsp;<strong>u\u017eivatelsk\u00fd v\u00fdzkum<\/strong>&nbsp;a&nbsp;<strong>pr\u016fzkum trhu<\/strong>.<\/p>\n\n\n\n<p>\u00dasp\u011b\u0161n\u00e9 t\u00fdmy analyzuj\u00ed&nbsp;<strong>chov\u00e1n\u00ed u\u017eivatel\u016f<\/strong>&nbsp;a shroma\u017e\u010fovat&nbsp;<strong>zp\u011btn\u00e1 vazba od u\u017eivatel\u016f<\/strong>&nbsp;p\u0159ed psan\u00edm jak\u00e9hokoli k\u00f3du.<\/p>\n\n\n\n<p>Spole\u010dnosti jako nap\u0159.&nbsp;<strong>Mixpanel<\/strong>&nbsp;p\u0159ed zah\u00e1jen\u00edm v\u00fdvoje \u010dasto prov\u011b\u0159ujeme analytick\u00e1 data a zp\u011btnou vazbu od z\u00e1kazn\u00edk\u016f, abychom zjistili, co u\u017eivatele tr\u00e1p\u00ed.<\/p>\n\n\n\n<p>V mnoha organizac\u00edch se in\u017een\u00fd\u0159i p\u0159\u00edmo pod\u00edlej\u00ed na&nbsp;<strong>vol\u00e1n\u00ed z\u00e1kazn\u00edk\u016f<\/strong>&nbsp;nebo komunikovat s t\u00fdmy podpory, abyste l\u00e9pe porozum\u011bli skute\u010dn\u00fdm probl\u00e9m\u016fm u\u017eivatel\u016f.<\/p>\n\n\n\n<p>Tento p\u0159\u00edstup vytv\u00e1\u0159\u00ed&nbsp;<strong>cenn\u00e9 poznatky<\/strong>&nbsp;kter\u00fd je pr\u016fvodcem&nbsp;<strong>\u0159\u00edzen\u00ed produkt\u016f<\/strong>&nbsp;rozhodnut\u00ed.<\/p>\n\n\n\n<p>Za\u010dlen\u011bn\u00edm zp\u011btn\u00e9 vazby na po\u010d\u00e1tku&nbsp;<strong>\u017eivotn\u00ed cyklus v\u00fdvoje produktu<\/strong>, spole\u010dnosti v\u00fdrazn\u011b zvy\u0161uj\u00ed \u0161ance na vytvo\u0159en\u00ed \u00fasp\u011b\u0161n\u00fdch finan\u010dn\u00edch produkt\u016f.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Spolupr\u00e1ce mezi in\u017een\u00fdry a Product Manager<\/h1>\n\n\n\n<p>Na adrese&nbsp;<strong>produktov\u00e9 in\u017een\u00fdrstv\u00ed<\/strong>, spolupr\u00e1ce mezi technick\u00fdmi a obchodn\u00edmi t\u00fdmy je nezbytn\u00e1.<\/p>\n\n\n\n<p>M\u00edsto toho, abyste pracovali v izolovan\u00fdch sil\u00e1ch,&nbsp;<strong>in\u017een\u00fdrsk\u00e9 t\u00fdmy<\/strong>,&nbsp;<strong>produktov\u00ed mana\u017ee\u0159i<\/strong>,&nbsp;<strong>n\u00e1vrh\u00e1\u0159i<\/strong>, a specialist\u00e9 na dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f spolupracuj\u00ed na utv\u00e1\u0159en\u00ed&nbsp;<strong>produkt <a href=\"https:\/\/thecodest.co\/cs\/blog\/digital-transformation-roadmap\/\">pl\u00e1n cesty<\/a><\/strong>.<\/p>\n\n\n\n<p>In\u017een\u00fd\u0159i se \u010dasto pod\u00edlej\u00ed na&nbsp;<strong>sezen\u00ed k produktov\u00e9 strategii<\/strong>, co\u017e pom\u00e1h\u00e1 definovat&nbsp;<strong>co<\/strong>&nbsp;a&nbsp;<strong>pro\u010d<\/strong>&nbsp;za nov\u00fdmi funkcemi.<\/p>\n\n\n\n<p>Toto prost\u0159ed\u00ed spolupr\u00e1ce zaji\u0161\u0165uje, \u017ee in\u017een\u00fdrsk\u00e9 \u00fasil\u00ed je v souladu s&nbsp;<strong>hlavn\u00ed obchodn\u00ed funkce<\/strong>&nbsp;a dlouhodob\u00e9&nbsp;<strong>obchodn\u00ed c\u00edle<\/strong>.<\/p>\n\n\n\n<p>In\u017een\u00fd\u0159i jsou tak\u00e9 vyz\u00fdv\u00e1ni, aby porozum\u011bli ekonomick\u00fdm faktor\u016fm sv\u00fdch projekt\u016f a rozhodovali se na z\u00e1klad\u011b \u0161ir\u0161\u00edch souvislost\u00ed.&nbsp;<strong>vize produktu<\/strong>.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Agiln\u00ed v\u00fdvoj a kontinu\u00e1ln\u00ed iterace<\/h1>\n\n\n\n<p>V\u011bt\u0161ina fintech spole\u010dnost\u00ed se spol\u00e9h\u00e1 na&nbsp;<strong><a href=\"https:\/\/thecodest.co\/cs\/blog\/how-to-implement-agile-methodology\/\">agiln\u00ed<\/a> metodiky<\/strong>&nbsp;podporovat neust\u00e1l\u00fd v\u00fdvoj produkt\u016f.<\/p>\n\n\n\n<p><a href=\"https:\/\/thecodest.co\/cs\/blog\/how-to-handle-software-development-projects-effectively\/\">Agiln\u00ed v\u00fdvoj<\/a> umo\u017e\u0148uje t\u00fdm\u016fm:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>postupn\u00e9 poskytov\u00e1n\u00ed funkc\u00ed<\/li>\n\n\n\n<li>rychle shroma\u017e\u010fovat zp\u011btnou vazbu<\/li>\n\n\n\n<li>upravit produktovou strategii na z\u00e1klad\u011b skute\u010dn\u00fdch \u00fadaj\u016f o pou\u017e\u00edv\u00e1n\u00ed<\/li>\n<\/ul>\n\n\n\n<p>Ve fintech v\u00fdvoj nekon\u010d\u00ed nasazen\u00edm k\u00f3du.<\/p>\n\n\n\n<p>Pr\u00e1ce v\u00fdvoj\u00e1\u0159e \u010dasto nen\u00ed pova\u017eov\u00e1na za&nbsp;<strong>dokon\u010dit, dokud nebudou ov\u011b\u0159eny metriky po zaveden\u00ed.<\/strong>, v\u010detn\u011b&nbsp;<strong>chov\u00e1n\u00ed u\u017eivatel\u016f<\/strong>data a kl\u00ed\u010dov\u00e9 obchodn\u00ed ukazatele v\u00fdkonnosti.<\/p>\n\n\n\n<p>\u00dasp\u011bch se m\u011b\u0159\u00ed prost\u0159ednictv\u00edm&nbsp;<strong>OKR (C\u00edle a kl\u00ed\u010dov\u00e9 v\u00fdsledky) zam\u011b\u0159en\u00e9 na produkt.<\/strong>&nbsp;kter\u00e9 sleduj\u00ed hodnotu poskytovanou koncov\u00fdm u\u017eivatel\u016fm.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Rychl\u00e9 prototypov\u00e1n\u00ed a minim\u00e1ln\u00ed mil\u00e9 v\u00fdrobky<\/h1>\n\n\n\n<p>Rychl\u00e9 experimentov\u00e1n\u00ed je z\u00e1sadn\u00ed pro <a href=\"https:\/\/thecodest.co\/cs\/blog\/top-30-fintechs-excelling-in-customer-centric-solutions\/\">fintech pr\u016fmysl<\/a>.<\/p>\n\n\n\n<p>T\u00fdmy \u010dasto spol\u00e9haj\u00ed na&nbsp;<strong>rychl\u00e9 prototypov\u00e1n\u00ed<\/strong>&nbsp;a pojmy jako nap\u0159.&nbsp;<strong>Minim\u00e1ln\u00ed milovan\u00fd produkt (MLP)<\/strong>.<\/p>\n\n\n\n<p>Nam\u00edsto okam\u017eit\u00e9ho budov\u00e1n\u00ed rozs\u00e1hl\u00fdch syst\u00e9m\u016f t\u00fdmy testuj\u00ed men\u0161\u00ed verze produkt\u016f, aby z\u00edskaly v\u010dasnou zp\u011btnou vazbu.<\/p>\n\n\n\n<p>To organizac\u00edm umo\u017e\u0148uje ov\u011b\u0159it funkce a vylep\u0161it je p\u0159ed roz\u0161\u00ed\u0159en\u00edm.<\/p>\n\n\n\n<p><strong>P\u0159ep\u00edna\u010de funkc\u00ed<\/strong>&nbsp;se \u010dasto pou\u017e\u00edvaj\u00ed k uvoln\u011bn\u00ed nov\u00fdch funkc\u00ed nejprve pro malou skupinu u\u017eivatel\u016f, co\u017e t\u00fdm\u016fm umo\u017e\u0148uje otestovat funk\u010dnost v produk\u010dn\u00edm prost\u0159ed\u00ed p\u0159ed \u00fapln\u00fdm zaveden\u00edm.<\/p>\n\n\n\n<p>Tento p\u0159\u00edstup pom\u00e1h\u00e1 sni\u017eovat rizika a zlep\u0161ovat p\u0159ijet\u00ed u\u017eivatel\u016f.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">V\u00fdvoj zalo\u017een\u00fd na rozhran\u00ed API a \u0161k\u00e1lovateln\u00e1 architektura<\/h1>\n\n\n\n<p>Dal\u0161\u00edm charakteristick\u00fdm rysem modern\u00edho fintech in\u017een\u00fdrstv\u00ed je&nbsp;<strong>Architektura API-first<\/strong>.<\/p>\n\n\n\n<p>Spole\u010dnosti p\u0159istupuj\u00ed k intern\u00edm a extern\u00edm rozhran\u00edm API jako k vlastn\u00edm produkt\u016fm se speci\u00e1ln\u00ed dokumentac\u00ed, strategiemi verzov\u00e1n\u00ed a... <a href=\"https:\/\/thecodest.co\/cs\/blog\/hire-vue-js-developers\/\">v\u00fdvoj\u00e1\u0159<\/a> zku\u0161enosti.<\/p>\n\n\n\n<p>Tento p\u0159\u00edstup usnad\u0148uje integraci s extern\u00edmi partnery a star\u0161\u00edmi finan\u010dn\u00edmi syst\u00e9my.<\/p>\n\n\n\n<p>Integrace s&nbsp;<strong>star\u0161\u00ed syst\u00e9my<\/strong>&nbsp;z\u016fst\u00e1v\u00e1 jednou z nej\u010dast\u011bj\u0161\u00edch v\u00fdzev, s nimi\u017e se fintechov\u00e9 startupy pot\u00fdkaj\u00ed, zejm\u00e9na p\u0159i spolupr\u00e1ci se zaveden\u00fdmi bankami a finan\u010dn\u00edmi institucemi.<\/p>\n\n\n\n<p>Rozhoduj\u00edc\u00ed je tak\u00e9 \u0161k\u00e1lovatelnost.<\/p>\n\n\n\n<p>Fintech spole\u010dnosti \u010dasto za\u017e\u00edvaj\u00ed&nbsp;<strong>rychl\u00fd r\u016fst<\/strong>, co\u017e m\u016f\u017ee zat\u00ed\u017eit infrastrukturu. Produkty mus\u00ed b\u00fdt navr\u017eeny tak, aby zvl\u00e1dly vysok\u00e9 objemy transakc\u00ed a z\u00e1rove\u0148 zachovaly stabilitu syst\u00e9mu.<\/p>\n\n\n\n<p>Pou\u017e\u00edv\u00e1n\u00ed str\u00e1nek&nbsp;<strong><a href=\"https:\/\/thecodest.co\/cs\/blog\/choosing-enterprise-cloud-computing-services\/\">cloud<\/a> nativn\u00ed platformy<\/strong>&nbsp;a&nbsp;<strong><a href=\"https:\/\/thecodest.co\/cs\/blog\/difference-between-elasticity-and-scalability-in-cloud-computing\/\">cloud computing<\/a><\/strong>, spole\u010dnosti stav\u00ed&nbsp;<strong>\u0161k\u00e1lovateln\u00e9 syst\u00e9my<\/strong>&nbsp;schopn\u00e9 zvl\u00e1dnout rostouc\u00ed po\u010det u\u017eivatel\u016f a zat\u00ed\u017een\u00ed transakc\u00ed.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Data, um\u011bl\u00e1 inteligence a personalizace<\/h1>\n\n\n\n<p>Modern\u00ed fintech platformy se do zna\u010dn\u00e9 m\u00edry spol\u00e9haj\u00ed na&nbsp;<strong>data<\/strong>.<\/p>\n\n\n\n<p>Prost\u0159ednictv\u00edm&nbsp;<strong><a href=\"https:\/\/thecodest.co\/cs\/blog\/banks-go-high-tech-unravel-fraud-with-machine-learning\/\">strojov\u00e9 u\u010den\u00ed<\/a><\/strong>&nbsp;a anal\u00fdzy velk\u00fdch dat, spole\u010dnosti analyzuj\u00ed&nbsp;<strong>\u00fadaje o z\u00e1kazn\u00edc\u00edch<\/strong>&nbsp;a&nbsp;<strong>chov\u00e1n\u00ed u\u017eivatel\u016f<\/strong>&nbsp;generovat personalizovan\u00e1 finan\u010dn\u00ed doporu\u010den\u00ed.<\/p>\n\n\n\n<p>Tyto technologie umo\u017e\u0148uj\u00ed&nbsp;<strong>hyperpersonalizovan\u00e9 z\u00e1\u017eitky<\/strong>, kter\u00e9 pom\u00e1haj\u00ed z\u00e1kazn\u00edk\u016fm efektivn\u011bji hospoda\u0159it s pen\u011bzi.<\/p>\n\n\n\n<p><a href=\"https:\/\/thecodest.co\/cs\/blog\/the-rise-of-ai-in-the-baltics-discussion-on-estonia-latvia-and-lithuanias-tech-scene\/\">AI<\/a> se pou\u017e\u00edv\u00e1 tak\u00e9 pro odhalov\u00e1n\u00ed podvod\u016f, anal\u00fdzu rizik a automatizovan\u00e9 finan\u010dn\u00ed slu\u017eby.<\/p>\n\n\n\n<p>S rostouc\u00edm zav\u00e1d\u011bn\u00edm um\u011bl\u00e9 inteligence roste jej\u00ed \u00faloha v oblasti fintech.&nbsp;<strong>\u017eivotn\u00ed cyklus produktu<\/strong>&nbsp;se bude d\u00e1le roz\u0161i\u0159ovat.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Produktov\u00e9 in\u017een\u00fdrstv\u00ed v cel\u00e9m \u017eivotn\u00edm cyklu<\/h1>\n\n\n\n<p><strong>Slu\u017eby produktov\u00e9ho in\u017een\u00fdrstv\u00ed<\/strong>&nbsp;podporovat celou&nbsp;<strong>\u017eivotn\u00ed cyklus produktu<\/strong>, od po\u010d\u00e1te\u010dn\u00edch n\u00e1pad\u016f a\u017e po neust\u00e1l\u00e9 zlep\u0161ov\u00e1n\u00ed.<\/p>\n\n\n\n<p>Typick\u00fd \u017eivotn\u00ed cyklus zahrnuje:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ideation<\/strong><\/li>\n\n\n\n<li><strong>design<\/strong><\/li>\n\n\n\n<li><strong>v\u00fdvoj<\/strong><\/li>\n\n\n\n<li><strong>nasazen\u00ed<\/strong><\/li>\n\n\n\n<li><strong>\u00fadr\u017eba<\/strong><\/li>\n<\/ul>\n\n\n\n<p>V tomto modelu je inovace kontinu\u00e1ln\u00ed.<\/p>\n\n\n\n<p>Produkty se mus\u00ed neust\u00e1le vyv\u00edjet, aby nedoch\u00e1zelo k odlivu z\u00e1kazn\u00edk\u016f a aby z\u016fstaly konkurenceschopn\u00e9 na trhu.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Skute\u010dn\u00e9 p\u0159\u00edklady produktov\u00e9ho my\u0161len\u00ed FinTech<\/h1>\n\n\n\n<p>N\u011bkolik \u00fasp\u011b\u0161n\u00fdch fintech spole\u010dnost\u00ed ukazuje, jak produktov\u011b orientovan\u00e9 in\u017een\u00fdrstv\u00ed podporuje r\u016fst.<\/p>\n\n\n\n<p><strong>Revolut<\/strong>&nbsp;a&nbsp;<strong>Klarna<\/strong>, nap\u0159\u00edklad rychle roz\u0161\u00ed\u0159il pomoc\u00ed&nbsp;<strong>strategie postupn\u00e9ho zav\u00e1d\u011bn\u00ed zam\u011b\u0159en\u00e9 na produkty.<\/strong>&nbsp;kter\u00e9 up\u0159ednost\u0148uj\u00ed neust\u00e1l\u00e9 zlep\u0161ov\u00e1n\u00ed.<\/p>\n\n\n\n<p>Podobn\u011b spole\u010dnosti jako nap\u0159.&nbsp;<strong>Sm\u011bs<\/strong>&nbsp;zakotvit po\u017eadavky na shodu, jako jsou&nbsp;<strong>KYC<\/strong>&nbsp;a&nbsp;<strong>AML<\/strong>&nbsp;p\u0159\u00edmo do f\u00e1ze n\u00e1vrhu v\u00fdrobku a nepova\u017eovat shodu za z\u00e1v\u011bre\u010dn\u00fd krok.<\/p>\n\n\n\n<p>Platformy jako nap\u0159.&nbsp;<strong>Prou\u017eek<\/strong>&nbsp;dokonce nab\u00edzej\u00ed&nbsp;<strong>zku\u0161ebn\u00ed re\u017eimy<\/strong>&nbsp;kter\u00e9 umo\u017e\u0148uj\u00ed v\u00fdvoj\u00e1\u0159\u016fm simulovat skute\u010dn\u00e9 <a href=\"https:\/\/thecodest.co\/cs\/blog\/fintech-app-development-services-features-in-2026\/\">finan\u010dn\u00ed transakce<\/a> bez pohybu skute\u010dn\u00fdch pen\u011bz. To umo\u017e\u0148uje bezpe\u010dn\u011bj\u0161\u00ed experimentov\u00e1n\u00ed a rychlej\u0161\u00ed ov\u011b\u0159ov\u00e1n\u00ed produkt\u016f.<\/p>\n\n\n\n<p>Tyto p\u0159\u00edklady ukazuj\u00ed, jak se t\u00fdmy zam\u011b\u0159en\u00e9 na produkty soust\u0159ed\u00ed sp\u00ed\u0161e na v\u00fdsledky ne\u017e na pouh\u00e9 poskytov\u00e1n\u00ed funkc\u00ed.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">The Codest: Produktov\u011b orientovan\u00fd in\u017een\u00fdrsk\u00fd partner pro FinTech<\/h1>\n\n\n\n<p>Mezi modern\u00edmi&nbsp;<strong>spole\u010dnosti zab\u00fdvaj\u00edc\u00ed se v\u00fdvojem softwaru<\/strong>,&nbsp;<strong><a href=\"https:\/\/thecodest.co\/cs\/blog\/vibrant-upturn-charting-the-resolute-rise-of-swedish-firms\/\">The Codest<\/a><\/strong>&nbsp;vynik\u00e1 jako partner, kter\u00fd klade velk\u00fd d\u016fraz na&nbsp;<strong>produktov\u00e9 in\u017een\u00fdrstv\u00ed<\/strong>.<\/p>\n\n\n\n<p>The Codest pom\u00e1h\u00e1 <a href=\"https:\/\/thecodest.co\/cs\/blog\/tech-staff-augmentation-services-for-scaleups-enterprises-how-it-can-power-up-your-business-to-meet-your-business-needs\/\">scaleups<\/a> a podniky posiluj\u00ed sv\u00e9&nbsp;<strong>in\u017een\u00fdrsk\u00e9 t\u00fdmy<\/strong>&nbsp;se zku\u0161en\u00fdmi&nbsp;<strong>v\u00fdvoj\u00e1\u0159i<\/strong>,&nbsp;<strong>in\u017een\u00fd\u0159i<\/strong>, a technologi\u010dt\u00ed specialist\u00e9, kte\u0159\u00ed kombinuj\u00ed siln\u00e9&nbsp;<strong>technick\u00e9 schopnosti<\/strong>&nbsp;s hlubok\u00fdm&nbsp;<strong>p\u0159em\u00fd\u0161len\u00ed o produktech<\/strong>.<\/p>\n\n\n\n<p>M\u00edsto toho, aby se choval jako tradi\u010dn\u00ed <a href=\"https:\/\/thecodest.co\/cs\/blog\/hire-software-developers\/\">outsourcing<\/a> The Codest se zam\u011b\u0159uje na in\u017een\u00fdry.&nbsp;<strong>hluboce porozum\u011bt<\/strong>&nbsp;jak produkt, tak obchodn\u00ed kontext.<\/p>\n\n\n\n<p>Na\u0161i in\u017een\u00fd\u0159i se pod\u00edlej\u00ed na cel\u00e9m\u00a0<strong>\u017eivotn\u00ed cyklus produktu<\/strong>, od po\u010d\u00e1tku objevov\u00e1n\u00ed a\u00a0<strong>u\u017eivatelsk\u00fd v\u00fdzkum<\/strong>\u00a0na architekturu syst\u00e9mu, nasazen\u00ed a dlouhodobou optimalizaci.<\/p>\n\n\n\n<p>Pro fintech spole\u010dnosti podporuje The Codest v\u00fdvoj:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>bezpe\u010dn\u00e9 finan\u010dn\u00ed platformy<\/li>\n\n\n\n<li><strong>nativn\u00ed cloudov\u00e9 platformy<\/strong><\/li>\n\n\n\n<li>vysoce&nbsp;<strong>\u0161k\u00e1lovateln\u00e9 syst\u00e9my<\/strong><\/li>\n\n\n\n<li>modern\u00ed&nbsp;<strong>digit\u00e1ln\u00ed produkt<\/strong>&nbsp;infrastruktura<\/li>\n\n\n\n<li>pokro\u010dil\u00e9&nbsp;<strong>\u0159e\u0161en\u00ed zalo\u017een\u00e1 na datech<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Integrac\u00ed in\u017een\u00fdr\u016f do produktov\u00fdch t\u00fdm\u016f pom\u00e1h\u00e1 The Codest spole\u010dnostem sn\u00ed\u017eit&nbsp;<strong>technick\u00fd dluh<\/strong>, zlep\u0161it p\u0159ijet\u00ed u\u017eivatel\u016f a zajistit, aby fintech platformy z\u016fstaly bezpe\u010dn\u00e9, kompatibiln\u00ed a \u0161k\u00e1lovateln\u00e9.<\/p>\n\n\n\n<p>Tento p\u0159\u00edstup umo\u017e\u0148uje fintech organizac\u00edm&nbsp;<strong>rychlej\u0161\u00ed spu\u0161t\u011bn\u00ed<\/strong>, p\u0159izp\u016fsobovat se zm\u011bn\u00e1m na trhu a udr\u017eovat vysokou \u00farove\u0148 <a href=\"https:\/\/thecodest.co\/cs\/blog\/how-to-scale-your-dev-team-without-losing-product-quality\/\">kvalita v\u00fdrobku<\/a> a z\u00e1rove\u0148 podporuje dlouhodob\u00fd r\u016fst.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Z\u00e1v\u011br<\/h1>\n\n\n\n<p>Tak\u017ee,&nbsp;<strong>jak r\u016fzn\u00e9 spole\u010dnosti zab\u00fdvaj\u00edc\u00ed se v\u00fdvojem softwaru p\u0159istupuj\u00ed k produktov\u00e9mu in\u017een\u00fdrstv\u00ed pro FinTech?<\/strong><\/p>\n\n\n\n<p>\u00dasp\u011b\u0161n\u00e9 organizace se zam\u011b\u0159uj\u00ed z pouh\u00e9ho poskytov\u00e1n\u00ed funkc\u00ed na vlastnictv\u00ed&nbsp;<strong>v\u00fdsledky pro u\u017eivatele<\/strong>.<\/p>\n\n\n\n<p>Stanovuj\u00ed si priority:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>porozum\u011bn\u00ed&nbsp;<strong>pot\u0159eby u\u017eivatel\u016f<\/strong>&nbsp;a&nbsp;<strong>p\u0159izp\u016fsoben\u00ed trhu<\/strong><\/li>\n\n\n\n<li>integrace&nbsp;<strong>dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f<\/strong>&nbsp;a&nbsp;<strong>zabezpe\u010den\u00ed<\/strong>&nbsp;od prvn\u00edho dne<\/li>\n\n\n\n<li>budova&nbsp;<strong>nativn\u00ed cloud<\/strong>,&nbsp;<strong>\u0161k\u00e1lovateln\u00e9 syst\u00e9my<\/strong><\/li>\n\n\n\n<li>zahrnuj\u00edc\u00ed&nbsp;<strong>zp\u011btn\u00e1 vazba od u\u017eivatel\u016f<\/strong>&nbsp;v pr\u016fb\u011bhu cel\u00e9ho \u017eivotn\u00edho cyklu v\u00fdrobku<\/li>\n\n\n\n<li>pomoc\u00ed&nbsp;<strong>Um\u011bl\u00e1 inteligence a anal\u00fdza dat<\/strong>&nbsp;zlep\u0161ovat zku\u0161enosti z\u00e1kazn\u00edk\u016f<\/li>\n<\/ul>\n\n\n\n<p>Spole\u010dnosti, kter\u00e9 si tento p\u0159\u00edstup osvoj\u00ed, maj\u00ed lep\u0161\u00ed pozici pro zvl\u00e1dnut\u00ed slo\u017eitosti finan\u010dn\u00edch technologi\u00ed a poskytov\u00e1n\u00ed spolehliv\u00fdch digit\u00e1ln\u00edch finan\u010dn\u00edch produkt\u016f.<\/p>\n\n\n\n<p>Fintech se st\u00e1le vyv\u00edj\u00ed,&nbsp;<strong>produktov\u011b orientovan\u00ed in\u017een\u00fd\u0159i<\/strong>&nbsp;bude i nad\u00e1le kl\u00ed\u010dov\u00e1&nbsp;<strong>hnac\u00ed s\u00edla<\/strong>&nbsp;za inovacemi, pom\u00e1h\u00e1 spole\u010dnostem vytv\u00e1\u0159et bezpe\u010dn\u00e9, \u0161k\u00e1lovateln\u00e9 a z\u00e1kaznicky orientovan\u00e9 syst\u00e9my. <a href=\"https:\/\/thecodest.co\/cs\/blog\/the-age-of-ml-driven-financial-solutions-a-new-era-in-fintech\/\">finan\u010dn\u00ed \u0159e\u0161en\u00ed<\/a>.<\/p>\n\n\n\n<p><a href=\"https:\/\/thecodest.co\/en\/contact\/\"><br \/>\n  <img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-10745\"\n       src=\"https:\/\/thecodest.co\/app\/uploads\/2026\/02\/Edyta.contact-2.png\"\n       alt=\"Kontaktn\u00ed banner pro The Codest s Edytou Obszanskou, Business Growth &amp; Partnerships Lead, s textem &quot;Promluvme si o va\u0161em projektu!&quot; a tla\u010d\u00edtkem &quot;Rezervovat sch\u016fzku&quot;.\"\n       width=\"1200\"\n       height=\"630\" srcset=\"https:\/\/thecodest.co\/app\/uploads\/2026\/02\/Edyta.contact-2.png 1200w, https:\/\/thecodest.co\/app\/uploads\/2026\/02\/Edyta.contact-2-300x158.png 300w, https:\/\/thecodest.co\/app\/uploads\/2026\/02\/Edyta.contact-2-768x403.png 768w, https:\/\/thecodest.co\/app\/uploads\/2026\/02\/Edyta.contact-2-1024x538.png 1024w, https:\/\/thecodest.co\/app\/uploads\/2026\/02\/Edyta.contact-2-18x9.png 18w, https:\/\/thecodest.co\/app\/uploads\/2026\/02\/Edyta.contact-2-46x24.png 46w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><br \/>\n<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Zjist\u011bte, jak spole\u010dnosti zab\u00fdvaj\u00edc\u00ed se v\u00fdvojem softwaru vyu\u017e\u00edvaj\u00ed produktov\u011b orientovan\u00e9 in\u017een\u00fdrstv\u00ed v FinTech k vytv\u00e1\u0159en\u00ed bezpe\u010dn\u00fdch a \u0161k\u00e1lovateln\u00fdch finan\u010dn\u00edch platforem. Objevte kl\u00ed\u010dov\u00e9 strategie, technologie a re\u00e1ln\u00e9 p\u0159\u00edklady utv\u00e1\u0159ej\u00edc\u00ed modern\u00ed finan\u010dn\u00ed produkty.<\/p>","protected":false},"author":2,"featured_media":11041,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[15,9],"tags":[17],"class_list":["post-10953","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fintech","category-the-codest","tag-software-engineering-services"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Different Software Development Companies Approach Product-Minded Engineering for FinTech - The Codest<\/title>\n<meta name=\"description\" content=\"Learn how software development companies apply product-minded engineering in FinTech to build secure, scalable financial platforms. 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