{"id":3637,"date":"2023-08-09T08:29:27","date_gmt":"2023-08-09T08:29:27","guid":{"rendered":"http:\/\/the-codest.localhost\/blog\/the-age-of-ml-driven-financial-solutions-a-new-era-in-fintech\/"},"modified":"2024-08-09T11:21:45","modified_gmt":"2024-08-09T11:21:45","slug":"vek-financnich-reseni-zalozenych-na-ml-nova-era-fintech","status":"publish","type":"post","link":"https:\/\/thecodest.co\/cs\/blog\/the-age-of-ml-driven-financial-solutions-a-new-era-in-fintech\/","title":{"rendered":"V\u011bk finan\u010dn\u00edch \u0159e\u0161en\u00ed zalo\u017een\u00fdch na ML: Nov\u00e1 \u00e9ra v oblasti fintech"},"content":{"rendered":"<p>V m\u00e9m ned\u00e1vn\u00e9m rozhovoru o f\u00fazi <strong>um\u011bl\u00e1 inteligence <\/strong> (<a href=\"https:\/\/thecodest.co\/cs\/blog\/the-rise-of-ai-in-the-baltics-discussion-on-estonia-latvia-and-lithuanias-tech-scene\/\">AI<\/a>) a  <strong><a href=\"https:\/\/thecodest.co\/cs\/dictionary\/machine-learning\/\">strojov\u00e9 u\u010den\u00ed<\/a> <\/strong> v <a href=\"https:\/\/thecodest.co\/cs\/blog\/top-technologies-used-in-european-fintech-development\/\">finance<\/a> jsem m\u011bl tu \u010dest \u0159\u00eddit dialog pomoc\u00ed trefn\u00fdch ot\u00e1zek. Pr\u016fvodcem na\u0161eho hloubkov\u00e9ho ponoru byl Sebastian Niehaus.  <strong>Machine Learning In\u017een\u00fdr <\/strong> specializuj\u00edc\u00ed se na kvantitativn\u00ed Finance a <a href=\"https:\/\/thecodest.co\/cs\/blog\/guide-to-enterprise-software-development\/\">CTO<\/a> na adrese <a href=\"https:\/\/www.sekasa-technologies.com\" rel=\"nofollow\">SEKASA Technologies <\/a>. Sebastianovy rozs\u00e1hl\u00e9 odborn\u00e9 znalosti poskytly pou\u010dn\u00fd pohled na rostouc\u00ed symbi\u00f3zu  <strong>Um\u011bl\u00e1 inteligence a <a href=\"https:\/\/thecodest.co\/cs\/dictionary\/what-is-fintech-in-banking\/\">fintech<\/a> <\/strong>.<\/p>\n<p>B\u011bhem na\u0161eho chatu CTO jsme se Sebastianem pronikli do sv\u011bta um\u011bl\u00e9 inteligence a financ\u00ed. P\u0159esto\u017ee jsme od sebe na m\u00edle vzd\u00e1leni, konverzace prob\u00edhala bez probl\u00e9m\u016f! <\/p>\n<p><img decoding=\"async\" src=\"\/app\/uploads\/2024\/05\/zrzut-ekranu-2023-08-9-o-10.37.52.png\" alt=\"Seznamte se s&lt;em&gt;obrazovka&lt;\/em&gt;two_people&quot; title=&quot;Setk&aacute;n&iacute; JJ a SN scr&quot; \/&amp;gt;&lt;\/p&gt;&lt;p&gt;Nyn&iacute; se pono\u0159&iacute;me do sv\u011bta  &lt;strong&gt;Machine Learning &lt;\/strong&gt; a  &lt;strong&gt;Fintech! &lt;\/strong&gt;&lt;\/p&gt;&lt;p&gt;&lt;b&gt;Jakub: Sebastian, \u0159ekni. &amp;lt;a href=\"https:>n\u00e1s<\/a> pro\u010d by se finan\u010dn\u00ed firma m\u011bla zab\u00fdvat integrac\u00ed um\u011bl\u00e9 inteligence do sv\u00e9 ka\u017edodenn\u00ed \u010dinnosti?<\/b><\/p>\n<p><b>Sebastian<\/b>: Jednodu\u0161e \u0159e\u010deno, umo\u017e\u0148uje anal\u00fdzu velk\u00e9ho mno\u017estv\u00ed dat. <a href=\"https:\/\/thecodest.co\/cs\/blog\/app-data-collection-security-risks-value-and-types-explored\/\">data<\/a> kter\u00e9 nelze analyzovat \u017e\u00e1dn\u00fdm jin\u00fdm zp\u016fsobem, \u010d\u00edm\u017e se vytv\u00e1\u0159\u00ed v\u00fdznamn\u00e1 <a href=\"https:\/\/thecodest.co\/cs\/dictionary\/what-is-the-size-of-your-potential-reachable-market\/\">trh<\/a> v\u00fdhody.<\/p>\n<p>Finance se zab\u00fdv\u00e1 anal\u00fdzou a zpracov\u00e1n\u00edm dat. Bez ohledu na to, zda se jedn\u00e1 o poskytovatele platebn\u00edch slu\u017eeb, investi\u010dn\u00ed spole\u010dnosti, <a href=\"https:\/\/thecodest.co\/cs\/blog\/fintech-app-development-services-features-in-2026\/\">banky<\/a> nebo tv\u016frci trhu. Ka\u017ed\u00fd \u00fa\u010dastn\u00edk trhu, bez ohledu na to, jak je mal\u00fd, prov\u00e1d\u00ed anal\u00fdzy s existuj\u00edc\u00edmi daty, mo\u017en\u00e1 ne s pomoc\u00ed vymy\u0161len\u00fdch algoritm\u016f, ale s jin\u00fdmi formami anal\u00fdzy.<\/p>\n<p>Probl\u00e9m s daty v\u0161ak spo\u010d\u00edv\u00e1 v tom, \u017ee nez\u00e1visl\u00e9 datov\u00e9 body jsou obvykle k ni\u010demu, zaj\u00edmav\u00fdmi se stanou a\u017e po p\u0159id\u00e1n\u00ed kontextu. Tento kontext lze p\u0159idat porovn\u00e1n\u00edm dat aktu\u00e1ln\u00edho p\u0159\u00edpadu s podobn\u00fdmi p\u0159\u00edpady nebo p\u0159id\u00e1n\u00edm dal\u0161\u00edch souvisej\u00edc\u00edch a nesouvisej\u00edc\u00edch dat. M\u016f\u017ee j\u00edt nap\u0159\u00edklad o za\u010dlen\u011bn\u00ed dal\u0161\u00edch trh\u016f nebo \u00fadaj\u016f o \u017eivotn\u00edm prost\u0159ed\u00ed p\u0159i investi\u010dn\u00edm rozhodov\u00e1n\u00ed nebo o \u0161ir\u0161\u00ed \u0161k\u00e1lu transakc\u00ed p\u0159i odhalov\u00e1n\u00ed podvod\u016f. <\/p>\n<p><b>Jakub: Co je to um\u011bl\u00e1 inteligence a strojov\u00e9 u\u010den\u00ed obecn\u011b? <\/b><\/p>\n<p><b>Sebastian<\/b>: Um\u011bl\u00e1 inteligence (AI) je v\u00fdvoj po\u010d\u00edta\u010dov\u00fdch syst\u00e9m\u016f, kter\u00e9 jsou schopny vykon\u00e1vat \u00fakoly, k nim\u017e je obvykle zapot\u0159eb\u00ed lidsk\u00e9 inteligence, jako je u\u010den\u00ed, uva\u017eov\u00e1n\u00ed, \u0159e\u0161en\u00ed probl\u00e9m\u016f a rozhodov\u00e1n\u00ed. <\/p>\n<p><strong>Machine Learning<\/strong> je podmno\u017einou um\u011bl\u00e9 inteligence, kter\u00e1 se zam\u011b\u0159uje na tr\u00e9nov\u00e1n\u00ed algoritm\u016f pro u\u010den\u00ed vzor\u016f a vytv\u00e1\u0159en\u00ed p\u0159edpov\u011bd\u00ed z retrospektivn\u00edch dat za \u00fa\u010delem spln\u011bn\u00ed konkr\u00e9tn\u00edho \u00fakolu. Odhaluje tak vzory a mechanismy pro automatizaci \u00faloh nebo o nich generuje nov\u00e9 znalosti. <\/p>\n<p>Metody um\u011bl\u00e9 inteligence nebo strojov\u00e9ho u\u010den\u00ed se v posledn\u00edch letech staly tak popul\u00e1rn\u00edmi, proto\u017ee jsou schopny zpracov\u00e1vat velk\u00e9 mno\u017estv\u00ed r\u016fzn\u00fdch datov\u00fdch prvk\u016f. To je velk\u00fd rozd\u00edl oproti klasick\u00fdm statistick\u00fdm model\u016fm, kter\u00e9 ve financ\u00edch pou\u017e\u00edv\u00e1me od 80. let. <\/p>\n<p><b>Jakub: To je zaj\u00edmav\u00fd post\u0159eh! Jak\u00e9 jsou tedy v\u00fdhody strojov\u00e9ho u\u010den\u00ed pro <a href=\"https:\/\/thecodest.co\/cs\/blog\/on-the-radar-top-fintech-companies-in-nevada\/\">Spole\u010dnosti FinTech<\/a>?<\/b><\/p>\n<p><b>Sebastian:<\/b> Jednou v\u011btou: Vyu\u017e\u00edvaj\u00ed sv\u016fj pln\u00fd potenci\u00e1l! <\/p>\n<p>FinTech jsou \u010dist\u00fdmi producenty dat a mus\u00ed pracovat s velk\u00fdm mno\u017estv\u00edm finan\u010dn\u00edch a alternativn\u00edch dat. Z t\u011bchto dat mohou objevit nov\u00e9 obchodn\u00ed potenci\u00e1ly, zabezpe\u010dit st\u00e1vaj\u00edc\u00ed procesy, zpr\u016fhlednit sv\u00e1 rozhodnut\u00ed a zlep\u0161it jejich kvalitu. <\/p>\n<p>I kdy\u017e jsou procesy nebo zejm\u00e9na rozhodovac\u00ed procesy jasn\u011b definovan\u00e9 a dob\u0159e funguj\u00edc\u00ed, \u010dasto m\u00e1 smysl p\u0159idat algoritmy strojov\u00e9ho u\u010den\u00ed, kter\u00e9 poskytnou druh\u00fd pohled a omez\u00ed subjektivn\u00ed chyby \u010dlov\u011bka. To by mohlo nap\u0159\u00edklad zabr\u00e1nit investi\u010dn\u00edm spole\u010dnostem v investic\u00edch typu FOMO.<\/p>\n<p><b>Jakub: Jak\u00e1 je motivace a obchodn\u00ed d\u016fvody pro integraci um\u011bl\u00e9 inteligence?<\/b><\/p>\n<p><b>Sebastian<\/b>: \u010casto jde o zaji\u0161t\u011bn\u00ed konkuren\u010dn\u00edch v\u00fdhod, optimalizaci proces\u016f nebo jen o zodpov\u011bzen\u00ed konkr\u00e9tn\u00edch ot\u00e1zek. Krom\u011b toho se objevuj\u00ed i t\u00e9mata, jako je budouc\u00ed \u017eivotaschopnost - co\u017e je ot\u00e1zka nap\u0159\u00edklad pro velmi zaveden\u00e9 finan\u010dn\u00ed spole\u010dnosti. Tyto spole\u010dnosti \u010dasto ani nev\u011bd\u00ed, jak\u00fd potenci\u00e1l se v jejich datech skr\u00fdv\u00e1, a p\u0159ich\u00e1zej\u00ed s jednoduch\u00fdm po\u017eadavkem: \"R\u00e1di bychom vyzkou\u0161eli, co lze v na\u0161\u00ed spole\u010dnosti zlep\u0161it pomoc\u00ed Machine Learning\".<\/p>\n<p>Dovolte mi, abych odpov\u011b\u010f p\u0159ibl\u00ed\u017eil na n\u011bkolika p\u0159\u00edkladech: <\/p>\n<ul>\n<li>V investi\u010dn\u00edch fondech je \u010dasto motivac\u00ed poskytnout investor\u016fm v\u011bt\u0161\u00ed jistotu, a t\u00edm samoz\u0159ejm\u011b vytvo\u0159it konkuren\u010dn\u00ed v\u00fdhodu. Nap\u0159\u00edklad v p\u0159\u00edstupu hodnotov\u00e9ho investov\u00e1n\u00ed to m\u016f\u017ee b\u00fdt p\u0159id\u00e1n\u00ed modelu strojov\u00e9ho u\u010den\u00ed jako dal\u0161\u00ed kontroln\u00ed instance <\/li>\n<li>Nap\u0159\u00edklad v p\u0159\u00edpad\u011b anal\u00fdz v poradenstv\u00ed v oblasti f\u00faz\u00ed a akvizic mohou progn\u00f3zy zohlednit podstatn\u011b v\u00edce ovliv\u0148uj\u00edc\u00edch faktor\u016f a poskytnout tak kupuj\u00edc\u00edmu v\u00edce informac\u00ed o potenci\u00e1ln\u00edm c\u00edli. <\/li>\n<\/ul>\n<p>V tomto seznamu bych mohl pokra\u010dovat donekone\u010dna: <\/p>\n<ul>\n<li>Automatizace zalo\u017een\u00e1 na um\u011bl\u00e9 inteligenci m\u016f\u017ee nav\u00edc v\u00e9st ke sn\u00ed\u017een\u00ed n\u00e1klad\u016f na pracovn\u00ed s\u00edlu a zv\u00fd\u0161en\u00ed produktivity, co\u017e podnik\u016fm p\u0159in\u00e1\u0161\u00ed v\u00fdznamn\u00e9 \u00faspory n\u00e1klad\u016f.<\/li>\n<li>Integrace ML do va\u0161eho postupu povede ke zv\u00fd\u0161en\u00ed efektivity. N\u00e1stroje ML mohou automatizovat opakuj\u00edc\u00ed se a \u010dasov\u011b n\u00e1ro\u010dn\u00e9 \u00fakoly, tak\u017ee se zam\u011bstnanci mohou v\u00edce soust\u0159edit na d\u016fle\u017eit\u00e9 \u00fakoly s p\u0159idanou hodnotou. <\/li>\n<li>Vylep\u0161en\u00e9 str\u00e1nky <a href=\"https:\/\/thecodest.co\/cs\/dictionary\/how-to-develop-a-product\/\">V\u00fdvoj produktu<\/a> \/ Zlep\u0161en\u00e1 struktura portfolia<\/li>\n<li><a href=\"https:\/\/thecodest.co\/cs\/blog\/difference-between-elasticity-and-scalability-in-cloud-computing\/\">\u0160k\u00e1lovatelnost<\/a> (N\u00e1stroje s um\u011blou inteligenc\u00ed dok\u00e1\u017e\u00ed zpracov\u00e1vat velk\u00e9 mno\u017estv\u00ed dat a \u00fakol\u016f bez z\u00e1sahu \u010dlov\u011bka).<\/li>\n<li>Konkuren\u010dn\u00ed v\u00fdhoda (n\u00e1stroje AI mohou v\u00e9st k inovativn\u00edm produkt\u016fm)<br \/>\n\u0158\u00edzen\u00ed rizik<\/li>\n<li>Personalizovan\u00e1 z\u00e1kaznick\u00e1 zku\u0161enost \/ vylep\u0161en\u00e1 z\u00e1kaznick\u00e1 podpora<br \/>\nPrediktivn\u00ed anal\u00fdza <\/li>\n<\/ul>\n<p><b>Jakub: Jak\u00e9 jsou obl\u00edben\u00e9 p\u0159\u00edpady pou\u017eit\u00ed?<\/b><\/p>\n<p><b>Sebastian<\/b>: Mezi nejpou\u017e\u00edvan\u011bj\u0161\u00ed pat\u0159\u00ed: <\/p>\n<ul>\n<li>Identifikace nov\u00fdch z\u00e1kazn\u00edk\u016f<\/li>\n<li>Personalizovan\u00e9 zku\u0161enosti z\u00e1kazn\u00edk\u016f  <\/li>\n<li><a href=\"https:\/\/thecodest.co\/cs\/blog\/ai-in-customer-service-benefits-challenges-and-effective-implementation\/\">Z\u00e1kaznick\u00fd servis<\/a> Automatizace: Identifikace rizika selh\u00e1n\u00ed \u00fav\u011bru \/ Hodnocen\u00ed \u00fav\u011brov\u00e9ho rizika <\/li>\n<li>Odhalov\u00e1n\u00ed podvod\u016f<\/li>\n<li>Dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f<\/li>\n<li>Identifikace sign\u00e1l\u016f pro ceny na akciov\u00fdch trz\u00edch, forex a komodity<\/li>\n<li>P\u0159edpov\u011bdi cen<\/li>\n<li>Identifikace tr\u017en\u00edch rizik<\/li>\n<li>Z\u00e1t\u011b\u017eov\u00e9 testy<\/li>\n<li>Optimalizace portfolia <\/li>\n<\/ul>\n<p><b>Jakub: Jak lze do FinTech integrovat strojov\u00e9 u\u010den\u00ed?<\/b><\/p>\n<p><b>Sebastian<\/b>: Je d\u016fle\u017eit\u00e9 za\u010d\u00edt obchodn\u00edm p\u0159\u00edpadem a st\u00e1vaj\u00edc\u00edmi procesy. Zd\u00e1 se to b\u00fdt samoz\u0159ejm\u00e9, ale je b\u011b\u017en\u00e9, \u017ee tento bod je zcela podce\u0148ov\u00e1n a \u010dasto opom\u00edjen. <\/p>\n<ul>\n<li>Definice p\u0159\u00edpadu u\u017eit\u00ed \/ obchodn\u00edho p\u0159\u00edpadu<\/li>\n<li>Kontrola st\u00e1vaj\u00edc\u00edch proces\u016f a stanoven\u00ed p\u0159\u00edslu\u0161n\u00fdch c\u00edl\u016f<\/li>\n<li>Definice relevantn\u00edch, dostupn\u00fdch a pot\u0159ebn\u00fdch \u00fadaj\u016f<\/li>\n<li>Sb\u011br a p\u0159edb\u011b\u017en\u00e9 zpracov\u00e1n\u00ed dat <\/li>\n<li>Nastaven\u00ed modelu a infrastruktury   <\/li>\n<li>V\u00fdb\u011br modelu<\/li>\n<li>Funkce in\u017een\u00fdrstv\u00ed<\/li>\n<li>Modelov\u00e9 \u0161kolen\u00ed<\/li>\n<li>Hodnocen\u00ed modelu<\/li>\n<li>Nasazen\u00ed<\/li>\n<li>N\u00e1vrh zpr\u00e1vy \/ v\u00fdstupu<\/li>\n<li>Generov\u00e1n\u00ed zpr\u00e1v<\/li>\n<li>Interpretace v\u00fdsledk\u016f<\/li>\n<li>Pr\u016fb\u011b\u017en\u00e9 monitorov\u00e1n\u00ed a \u00fadr\u017eba <\/li>\n<\/ul>\n<p><b>Jakub: Jak obt\u00ed\u017en\u00e9 je integrovat strojov\u00e9 u\u010den\u00ed do proces\u016f spole\u010dnost\u00ed FinTech?<\/b><\/p>\n<p><b>Sebastian<\/b>: <\/p>\n<ul>\n<li>V\u0161e z\u00e1vis\u00ed na dostupnosti a kvalit\u011b dat. <\/li>\n<li>Je zapot\u0159eb\u00ed robustn\u00ed IT infrastruktura a v\u00fdpo\u010detn\u00ed v\u00fdkon. <\/li>\n<li>Lidsk\u00e9 zdroje se spr\u00e1vnou odbornost\u00ed a znalostmi <\/li>\n<li>Na ochranu soukrom\u00ed a bezpe\u010dnost dat je t\u0159eba br\u00e1t ohled v ka\u017ed\u00e9m okam\u017eiku.<\/li>\n<li>Integrace ML do dan\u00fdch proces\u016f m\u016f\u017ee v\u00e9st k pot\u0159ebn\u00fdm aktualizac\u00edm st\u00e1vaj\u00edc\u00edho procesu. <\/li>\n<li>Pochopen\u00ed v\u00fdsledk\u016f a jejich spr\u00e1vn\u00e1 interpretace mohou b\u00fdt obt\u00ed\u017en\u00e9. <\/li>\n<li>Modely je t\u0159eba pr\u016fb\u011b\u017en\u011b testovat a kontrolovat.<\/li>\n<li>Pr\u016fb\u011b\u017en\u00e9 sledov\u00e1n\u00ed a \u00fadr\u017eba. <\/li>\n<\/ul>\n<p>M\u016f\u017ee se to zd\u00e1t hodn\u011b, ale mnoho z t\u011bchto \u00fakol\u016f lze standardizovat a automatizovat. A jakmile je jednou integrujete, v\u00fdhody rychle p\u0159ev\u00e1\u017e\u00ed nad vynalo\u017een\u00fdm \u00fasil\u00edm.<\/p>\n<p><b>Jakub: To, co jsi zm\u00ednil d\u0159\u00edve, vyvol\u00e1v\u00e1 ot\u00e1zku - jak jsou modely strojov\u00e9ho u\u010den\u00ed p\u0159izp\u016fsobiv\u00e9 m\u011bn\u00edc\u00edmu se prost\u0159ed\u00ed?<\/b><\/p>\n<p><b>Sebastian<\/b>: Modely strojov\u00e9ho u\u010den\u00ed jsou vysoce adaptivn\u00ed a mus\u00ed b\u00fdt schopny rychle reagovat na m\u011bn\u00edc\u00ed se prost\u0159ed\u00ed. Lze je p\u0159izp\u016fsobit m\u011bn\u00edc\u00edmu se prost\u0159ed\u00ed pomoc\u00ed technik, jako je p\u0159e\u0161kolov\u00e1n\u00ed na aktualizovan\u00e1 data, p\u0159enosov\u00e9 u\u010den\u00ed a pr\u016fb\u011b\u017en\u00e9 sledov\u00e1n\u00ed. T\u00edm je zaji\u0161t\u011bno, \u017ee v\u00fdkonnost model\u016f strojov\u00e9ho u\u010den\u00ed z\u016fstane v pr\u016fb\u011bhu \u010dasu relevantn\u00ed a p\u0159esn\u00e1.<\/p>\n<p>P\u0159\u00edklad: Pro obchodn\u00ed spole\u010dnosti.<\/p>\n<p>Obchodn\u00ed sign\u00e1ly pro forex nebo komodity se mohou m\u011bnit nap\u0159\u00edklad v d\u016fsledku zm\u011bn chov\u00e1n\u00ed ostatn\u00edch \u00fa\u010dastn\u00edk\u016f trhu. M\u016f\u017eeme to pozorovat nap\u0159\u00edklad prost\u0159ednictv\u00edm n\u00e1r\u016fstu obchodn\u00edch aplikac\u00ed, ale tak\u00e9 prost\u0159ednictv\u00edm pokro\u010dilej\u0161\u00edch ud\u00e1lost\u00ed.<\/p>\n<p>Z tohoto d\u016fvodu by spole\u010dnosti, kter\u00e9 ji\u017e pracuj\u00ed s kvantitativn\u00edmi metodami, m\u011bly v\u017edy zv\u00e1\u017eit aktualizaci sv\u00fdch algoritm\u016f a zahrnout do nich nov\u00e9 n\u00e1pady. <\/p>\n<p><b>Jakub<\/b>: Sebastian D\u011bkuji za zasv\u011bcen\u00fd rozhovor. T\u011b\u0161\u00edme se na dal\u0161\u00ed r\u016fst a inovace v t\u00e9to oblasti!<\/p>\n<p><b>Sebastian<\/b>: Je mi pot\u011b\u0161en\u00edm, Jakube. Oce\u0148uji tuto platformu, proto\u017ee n\u00e1m umo\u017enila diskutovat o vzru\u0161uj\u00edc\u00edm pokroku v na\u0161em oboru a jeho v\u00fdznamu v neust\u00e1le se m\u011bn\u00edc\u00edm digit\u00e1ln\u00edm prost\u0159ed\u00ed.<\/p>\n<p><a href=\"https:\/\/calendly.com\/kuba_thecodest\/30min?month=2023-09\"><img decoding=\"async\" src=\"\/app\/uploads\/2024\/05\/let-s-discuss-the-obstacles-you-face-as-a-cto-2-.png\" alt=\"belka kontaktowa JJ\" \/><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Zasv\u011bcen\u00fd rozhovor se Sebastianem Niehausem, CTO ve spole\u010dnosti SEKASA Technologies, o transforma\u010dn\u00ed roli um\u011bl\u00e9 inteligence a strojov\u00e9ho u\u010den\u00ed v odv\u011btv\u00ed fintech.<\/p>","protected":false},"author":2,"featured_media":3638,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[4,15],"tags":[],"class_list":["post-3637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-enterprise-scaleups-solutions","category-fintech"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - 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