{"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":"aldur-fjarmalalausna-knuinna-af-gervigreind-nytt-timabil-i-fintech","status":"publish","type":"post","link":"https:\/\/thecodest.co\/is\/blog\/the-age-of-ml-driven-financial-solutions-a-new-era-in-fintech\/","title":{"rendered":"Aldur fj\u00e1rm\u00e1lalausna kn\u00fainna af v\u00e9lan\u00e1m: N\u00fdtt t\u00edmabil \u00ed fintech"},"content":{"rendered":"<p>\u00cd n\u00fdlegri umr\u00e6\u00f0u minni um samruna <strong>gervigreind <\/strong> (<a href=\"https:\/\/thecodest.co\/is\/blog\/the-rise-of-ai-in-the-baltics-discussion-on-estonia-latvia-and-lithuanias-tech-scene\/\">Gervigreind<\/a>) og  <strong><a href=\"https:\/\/thecodest.co\/is\/dictionary\/machine-learning\/\">v\u00e9lan\u00e1m<\/a> <\/strong> \u00ed <a href=\"https:\/\/thecodest.co\/is\/blog\/top-technologies-used-in-european-fintech-development\/\">fj\u00e1rm\u00e1l<\/a> geira, haf\u00f0i \u00e9g \u00feann hei\u00f0ur a\u00f0 lei\u00f0a samr\u00e6\u00f0una me\u00f0 beinum spurningum. Lei\u00f0beinandi dj\u00fapu greiningar okkar var Sebastian Niehaus, a  <strong>Machine Learning verkfr\u00e6\u00f0ingur <\/strong> s\u00e9rh\u00e6fir sig \u00ed magnbundinni Finance og the <a href=\"https:\/\/thecodest.co\/is\/blog\/guide-to-enterprise-software-development\/\">CTO<\/a> vi\u00f0 <a href=\"https:\/\/www.sekasa-technologies.com\" rel=\"nofollow\">SEKASA T\u00e6kni <\/a>. V\u00ed\u00f0t\u00e6k s\u00e9rfr\u00e6\u00f0i\u00feekking Sebastians veitti uppl\u00fdsandi inns\u00fdn \u00ed vaxandi saml\u00edfi  <strong>Gervigreind og <a href=\"https:\/\/thecodest.co\/is\/dictionary\/what-is-fintech-in-banking\/\">fj\u00e1rt\u00e6kni<\/a> <\/strong>.<\/p>\n<p>\u00cd spjalli okkar \u00e1 CTO k\u00f6nnu\u00f0um vi\u00f0 Sebastian heim gervigreindar og fj\u00e1rm\u00e1la. \u00der\u00e1tt fyrir a\u00f0 vera lj\u00f3s\u00e1rum \u00e1 milli rann samtali\u00f0 hn\u00f6kralaust! <\/p>\n<p><img decoding=\"async\" src=\"\/app\/uploads\/2024\/05\/zrzut-ekranu-2023-08-9-o-10.37.52.png\" alt=\"fundast&lt;em&gt;skj&aacute;r&lt;\/em&gt;tveir_menn&rdquo; title=&rdquo;Fundur JJ og SN scr&rdquo; \/&amp;gt;H&eacute;r er t&oacute;mt.&lt;p&gt;N&uacute; skulum vi&eth; kafa &iacute; heiminn af  &lt;strong&gt;Machine Learning &lt;\/strong&gt; og  &lt;strong&gt;Fj&aacute;rt&aelig;knifyrirt&aelig;ki! &lt;\/strong&gt;&lt;\/p&gt;&lt;p&gt;&lt;b&gt;Jakub: Sebastian, seg&eth;u tengill=\"https:>okkurHlekkur Af hverju \u00e6tti fj\u00e1rm\u00e1lafyrirt\u00e6ki a\u00f0 \u00edhuga a\u00f0 innlei\u00f0a gervigreind \u00ed daglega starfsemi s\u00edna?h\u00e1r<\/p>\n<p><b>Sebastian<\/b>: Einfaldlega sagt gerir \u00fea\u00f0 kleift a\u00f0 greina mikla magni af <a href=\"https:\/\/thecodest.co\/is\/blog\/app-data-collection-security-risks-value-and-types-explored\/\">g\u00f6gn<\/a> sem ekki er h\u00e6gt a\u00f0 greina \u00e1 annan h\u00e1tt, og \u00feannig skapa verulegt <a href=\"https:\/\/thecodest.co\/is\/dictionary\/what-is-the-size-of-your-potential-reachable-market\/\">marka\u00f0ur<\/a> kostir.<\/p>\n<p>Finance sn\u00fdst allt um a\u00f0 greina og vinna \u00far g\u00f6gnum. Hvort sem um er a\u00f0 r\u00e6\u00f0a grei\u00f0sluveitendur, fj\u00e1rfestingarfyrirt\u00e6ki, <a href=\"https:\/\/thecodest.co\/is\/blog\/fintech-app-development-services-features-in-2026\/\">bankar<\/a> e\u00f0a marka\u00f0sgerendur. Allir marka\u00f0sa\u00f0ilar, sama hversu sm\u00e1ir, framkv\u00e6ma greiningar me\u00f0 tilt\u00e6kum g\u00f6gnum, kannski ekki me\u00f0 fl\u00f3knum reikniritum en me\u00f0 \u00f6\u00f0rum greiningara\u00f0fer\u00f0um.<\/p>\n<p>Vandam\u00e1li\u00f0 me\u00f0 g\u00f6gn er hins vegar a\u00f0 sj\u00e1lfst\u00e6\u00f0ir gagnapunktar eru yfirleitt gagnslausir; \u00feeir ver\u00f0a a\u00f0eins \u00e1hugaver\u00f0ir \u00feegar samhengi er b\u00e6tt vi\u00f0. \u00deetta samhengi m\u00e1 b\u00e6ta me\u00f0 \u00fev\u00ed a\u00f0 bera g\u00f6gn n\u00faverandi m\u00e1ls saman vi\u00f0 svipu\u00f0 m\u00e1l e\u00f0a b\u00e6ta vi\u00f0 tengdum og \u00f3tengdum g\u00f6gnum. \u00deetta g\u00e6ti til d\u00e6mis fali\u00f0 \u00ed s\u00e9r sam\u00fe\u00e6ttingu gagna \u00far \u00f6\u00f0rum m\u00f6rku\u00f0um e\u00f0a umhverfisgagna \u00ed fj\u00e1rfestingar\u00e1kv\u00f6r\u00f0unum, e\u00f0a v\u00ed\u00f0t\u00e6kara \u00farval vi\u00f0skipta \u00ed greiningu svika. <\/p>\n<p><b>Jakub: S\u00e9\u00f0 fr\u00e1 \u00feessu sj\u00f3narhorni \u2013 hva\u00f0 eru gervigreind og v\u00e9lan\u00e1m almennt? <\/b><\/p>\n<p><b>Sebastian<\/b>Gervigreind (AI) er \u00fer\u00f3un t\u00f6lvukerfa sem geta sinnt verkefnum sem venjulega krefjast mannlegrar greindar, svo sem l\u00e6rd\u00f3ms, r\u00f6khugsunar, lausnar vandam\u00e1la og \u00e1kvar\u00f0anat\u00f6ku. <\/p>\n<p><strong>Machine Learning<\/strong> er undirsett gervigreind sem beinist a\u00f0 \u00fej\u00e1lfun reiknirit til a\u00f0 l\u00e6ra mynstur og sp\u00e1 fyrir um \u00far afturvirkum g\u00f6gnum til a\u00f0 uppfylla tilteki\u00f0 verkefni. \u00deannig afhj\u00fapar h\u00fan mynstur og ferla til a\u00f0 sj\u00e1lfvirkniv\u00e6\u00f0a verkefni e\u00f0a skapar n\u00fdja \u00feekkingu um \u00feau. <\/p>\n<p>AI e\u00f0a v\u00e9lan\u00e1mst\u00e6kni hefur or\u00f0i\u00f0 svo vins\u00e6l \u00e1 undanf\u00f6rnum \u00e1rum vegna \u00feess a\u00f0 h\u00fan getur unni\u00f0 \u00far miklu magni mismunandi gagnauppl\u00fdsinga. \u00deetta er mikill munur fr\u00e1 hinum hef\u00f0bundnu t\u00f6lfr\u00e6\u00f0ilegu l\u00edk\u00f6num sem vi\u00f0 h\u00f6fum nota\u00f0 \u00ed fj\u00e1rm\u00e1lum s\u00ed\u00f0an \u00e1 \u00e1ttunda \u00e1ratugnum. <\/p>\n<p><b>Jakub: \u00deetta er \u00e1hugaver\u00f0 inns\u00fdn! Svo, hva\u00f0a \u00e1vinning hefur v\u00e9lan\u00e1m fyrir <a href=\"https:\/\/thecodest.co\/is\/blog\/on-the-radar-top-fintech-companies-in-nevada\/\">FinTech fyrirt\u00e6ki<\/a>?<\/b><\/p>\n<p><b>Sebastian:<\/b> \u00cd einu setningu: \u00deeir eru a\u00f0 n\u00fdta alla s\u00edna m\u00f6guleika! <\/p>\n<p>FinTechs eru hreinir gagnframlei\u00f0endur og \u00feurfa a\u00f0 vinna me\u00f0 mikla fj\u00e1rm\u00e1lag\u00f6gn og \u00f6nnur \u00f3hef\u00f0bundin g\u00f6gn. \u00dar \u00feessum g\u00f6gnum geta \u00feeir uppg\u00f6tva\u00f0 n\u00fd vi\u00f0skiptat\u00e6kif\u00e6ri, tryggt n\u00faverandi ferla, gert \u00e1kvar\u00f0anir s\u00ednar gagns\u00e6rri og b\u00e6tt g\u00e6\u00f0i \u00e1kvar\u00f0ana sinna. <\/p>\n<p>Jafnvel \u00fe\u00f3tt ferlar, e\u00f0a s\u00e9rstaklega \u00e1kvar\u00f0anat\u00f6kuferlar, s\u00e9u sk\u00fdrt skilgreindir og virki vel, er oft skynsamlegt a\u00f0 b\u00e6ta vi\u00f0 v\u00e9lan\u00e1mstilgreiningum til a\u00f0 veita a\u00f0ra s\u00fdn og draga \u00far hugl\u00e6gum mist\u00f6kum manna. \u00deetta g\u00e6ti til d\u00e6mis komi\u00f0 \u00ed veg fyrir a\u00f0 fj\u00e1rfestingafyrirt\u00e6ki geri FOMO-fj\u00e1rfestingar.<\/p>\n<p><b>Jakub: Hver er hvatinn og vi\u00f0skiptar\u00f6k fyrir innlei\u00f0ingu gervigreindar?<\/b><\/p>\n<p><b>Sebastian<\/b>\u00dea\u00f0 sn\u00fdst oft um a\u00f0 tryggja samkeppnisforskot, ferlastj\u00f3rnun e\u00f0a einfaldlega a\u00f0 svara tilteknum spurningum. Auk \u00feess eru einnig m\u00e1lefni eins og framt\u00ed\u00f0arh\u00e6fni \u2013 sem er til d\u00e6mis vandam\u00e1l fyrir mj\u00f6g r\u00f3tgr\u00f3in fj\u00e1rm\u00e1lafyrirt\u00e6ki. \u00deessi fyrirt\u00e6ki vita oft ekki einu sinni hva\u00f0a m\u00f6guleikar felast \u00ed g\u00f6gnum \u00feeirra og koma me\u00f0 einfaldri bei\u00f0ni: \u201cVi\u00f0 viljum pr\u00f3fa hva\u00f0 h\u00e6gt er a\u00f0 b\u00e6ta me\u00f0 Machine Learning \u00ed fyrirt\u00e6kinu okkar.\u201d<\/p>\n<p>L\u00e1ttu mig gera svari\u00f0 \u00e1\u00fereifanlegra me\u00f0 nokkrum d\u00e6mum: <\/p>\n<ul>\n<li>\u00cd fj\u00e1rfestingarsj\u00f3\u00f0um er oft hvati til a\u00f0 veita fj\u00e1rfestum meiri \u00f6ryggi og \u00fear me\u00f0, au\u00f0vita\u00f0, byggja upp samkeppnisforskot. Til d\u00e6mis, \u00ed vir\u00f0isfj\u00e1rfestingarstefnu, m\u00e1 b\u00e6ta v\u00e9lan\u00e1mger\u00f0 sem vi\u00f0b\u00f3tarstj\u00f3rnunareiningu. <\/li>\n<li>\u00cd greiningum \u00ed samruna- og yfirt\u00f6kur\u00e1\u00f0gj\u00f6f er h\u00e6gt, til d\u00e6mis, a\u00f0 taka tillit til mun fleiri \u00e1hrifavalda og \u00feannig veita kaupandanum meiri uppl\u00fdsingar um hugsanlegt markmi\u00f0. <\/li>\n<\/ul>\n<p>\u00c9g get haldi\u00f0 \u00feessum lista \u00e1fram a\u00f0 eil\u00edfu: <\/p>\n<ul>\n<li>V\u00e9lanotkun kn\u00fain \u00e1fram af gervigreind getur ennfremur leitt til l\u00e6gri launakostna\u00f0ar og aukinnar framlei\u00f0ni, sem skilar verulegum kostna\u00f0arsparna\u00f0i fyrir fyrirt\u00e6ki.<\/li>\n<li>A\u00f0 sam\u00fe\u00e6tta ML \u00ed framvindu \u00fe\u00edna mun lei\u00f0a til aukinnar skilvirkni. ML-verkf\u00e6ri geta sj\u00e1lfvirkniv\u00e6tt endurteknar og t\u00edmafrekar a\u00f0ger\u00f0ir, svo starfsf\u00f3lk geti einbeitt s\u00e9r meira a\u00f0 mikilv\u00e6gum og vir\u00f0isaukandi verkefnum. <\/li>\n<li>B\u00e6tt <a href=\"https:\/\/thecodest.co\/is\/dictionary\/how-to-develop-a-product\/\">V\u00f6r\u00fer\u00f3un<\/a> \/ B\u00e6tt uppbygging eignasafns<\/li>\n<li><a href=\"https:\/\/thecodest.co\/is\/blog\/difference-between-elasticity-and-scalability-in-cloud-computing\/\">Stigst\u00e6r\u00f0<\/a> (T\u00e6kif\u00e6ri sem kn\u00fain eru af gervigreind geta me\u00f0h\u00f6ndla\u00f0 miki\u00f0 magn gagna og verkefna \u00e1n mannlegrar \u00edhlutunar)<\/li>\n<li>Samkeppnisforskot (gervigreindart\u00f3l geta leitt til n\u00fdst\u00e1rlegra vara)<br \/>\n\u00c1h\u00e6ttustj\u00f3rnun<\/li>\n<li>S\u00e9rsni\u00f0in vi\u00f0skiptavinat upplifun \/ B\u00e6tt vi\u00f0skiptavina\u00fej\u00f3nusta<br \/>\nSp\u00e1greining <\/li>\n<\/ul>\n<p><b>Jakub: Skulum fjalla n\u00e1nar um \u00feetta efni \u2013 hva\u00f0a algengustu notkunartilvik eru?<\/b><\/p>\n<p><b>Sebastian<\/b>: Sumir af \u00feeim mest notu\u00f0u eru: <\/p>\n<ul>\n<li>A\u00f0 finna n\u00fdja vi\u00f0skiptavini<\/li>\n<li>S\u00e9rsni\u00f0in vi\u00f0skiptavinaupplifun  <\/li>\n<li><a href=\"https:\/\/thecodest.co\/is\/blog\/ai-in-customer-service-benefits-challenges-and-effective-implementation\/\">\u00dej\u00f3nusta vi\u00f0 vi\u00f0skiptavini<\/a> Virkjun: Greining \u00e1 \u00e1h\u00e6ttu misheppna\u00f0ra l\u00e1nveitinga \/ Mat \u00e1 l\u00e1nsh\u00e6ttu <\/li>\n<li>Svikagreining<\/li>\n<li>Regluger\u00f0aruppfylling<\/li>\n<li>Merki- og au\u00f0kenningarkerfi fyrir hlutabr\u00e9famarka\u00f0sver\u00f0, gjaldeyrismarka\u00f0 og hr\u00e1v\u00f6rur.<\/li>\n<li>Ver\u00f0sp\u00e1r<\/li>\n<li>A\u00f0 greina marka\u00f0s\u00e1h\u00e6ttu<\/li>\n<li>\u00c1lagspr\u00f3fanir<\/li>\n<li>Fj\u00e1rm\u00e1lapakkahagkv\u00e6mni <\/li>\n<\/ul>\n<p><b>Jakub: Hvernig er h\u00e6gt a\u00f0 sam\u00fe\u00e6tta v\u00e9lan\u00e1m \u00ed FinTechs?<\/b><\/p>\n<p><b>Sebastian<\/b>\u00dea\u00f0 er mikilv\u00e6gt a\u00f0 byrja \u00e1 vi\u00f0skiptagrundvelli og n\u00faverandi ferlum. \u00deetta vir\u00f0ist sj\u00e1lfsagt, en algengt er a\u00f0 \u00feessi \u00fe\u00e1ttur s\u00e9 algj\u00f6rlega vanmetinn og oft hunsa\u00f0ur. <\/p>\n<ul>\n<li>Skilgreindu notkunartilvik \/ vi\u00f0skiptatilvik<\/li>\n<li>Sko\u00f0a n\u00faverandi ferla og setja vi\u00f0eigandi markmi\u00f0<\/li>\n<li>Skilgreindu vi\u00f0eigandi, tilt\u00e6k og nau\u00f0synleg g\u00f6gn<\/li>\n<li>Gagna\u00f6flun og forvinnsla <\/li>\n<li>Uppsetning l\u00edkans og innvi\u00f0a   <\/li>\n<li>Val \u00e1 l\u00edkani<\/li>\n<li>Eiginleikafr\u00e6\u00f0ing<\/li>\n<li>L\u00edkans\u00fej\u00e1lfun<\/li>\n<li>M\u00f3delmat<\/li>\n<li>Uppsetning<\/li>\n<li>Sk\u00fdrslu-\/\u00fatg\u00e1fuh\u00f6nnun<\/li>\n<li>Sk\u00fdrsluger\u00f0<\/li>\n<li>T\u00falkun ni\u00f0ursta\u00f0na<\/li>\n<li>Samfelld eftirlit og vi\u00f0hald <\/li>\n<\/ul>\n<p><b>Jakub: Mi\u00f0a\u00f0 vi\u00f0 reynslu \u00fe\u00edna \u2013 hversu erfitt er a\u00f0 sam\u00fe\u00e6tta v\u00e9lan\u00e1m \u00ed ferla fyrirt\u00e6kja sem starfa samkv\u00e6mt FinTech?<\/b><\/p>\n<p><b>Sebastian<\/b>: <\/p>\n<ul>\n<li>Allt byggir \u00e1 a\u00f0gengi og g\u00e6\u00f0um gagna. <\/li>\n<li>Traust uppl\u00fdsingat\u00e6kninnvi\u00f0ir og reiknigeta eru nau\u00f0synleg. <\/li>\n<li>Mannau\u00f0ur me\u00f0 r\u00e9tt s\u00e9rfr\u00e6\u00f0i\u00feekkingarsvi\u00f0 og \u00feekkingu <\/li>\n<li>Gagnavernd og \u00f6ryggi \u00fearf a\u00f0 hafa \u00ed huga hven\u00e6r sem er.<\/li>\n<li>A\u00f0 sam\u00fe\u00e6tta ML \u00ed tilteknar ferla getur leitt til nau\u00f0synlegra uppf\u00e6rslna \u00ed n\u00faverandi ferli. <\/li>\n<li>A\u00f0 skilja ni\u00f0urst\u00f6\u00f0urnar og t\u00falka \u00fe\u00e6r r\u00e9tt getur veri\u00f0 erfitt. <\/li>\n<li>L\u00edk\u00f6n \u00fearf a\u00f0 pr\u00f3fa og athuga st\u00f6\u00f0ugt.<\/li>\n<li>Samfelld eftirlit og vi\u00f0hald. <\/li>\n<\/ul>\n<p>\u00deetta kann a\u00f0 hlj\u00f3ma miki\u00f0, en m\u00f6rg \u00feessara verkefna er h\u00e6gt a\u00f0 sta\u00f0la og sj\u00e1lfvirkniv\u00e6\u00f0a. Og \u00feegar \u00feau hafa veri\u00f0 sam\u00fe\u00e6tt vegur \u00e1vinningurinn flj\u00f3tt \u00feyngra en fyrirh\u00f6fnin.<\/p>\n<p><b>Jakub: \u00dea\u00f0 sem \u00fe\u00fa nefndir \u00e1\u00f0an kallar \u00e1 spurningu \u2013 hversu a\u00f0l\u00f6gunarh\u00e6f eru v\u00e9ln\u00e1msl\u00edk\u00f6n vi\u00f0 breytileg umhverfi?<\/b><\/p>\n<p><b>Sebastian<\/b>V\u00e9larn\u00e1msl\u00edk\u00f6n eru mj\u00f6g a\u00f0l\u00f6gunarh\u00e6f og ver\u00f0a a\u00f0 geta brug\u00f0ist hratt vi\u00f0 breytilegum a\u00f0st\u00e6\u00f0um. \u00deau m\u00e1 a\u00f0laga a\u00f0 breytilegum a\u00f0st\u00e6\u00f0um me\u00f0 a\u00f0fer\u00f0um eins og endur\u00fej\u00e1lfun \u00e1 uppf\u00e6r\u00f0um g\u00f6gnum, flutningsn\u00e1mi og st\u00f6\u00f0ugu eftirliti. \u00deetta tryggir a\u00f0 frammista\u00f0a v\u00e9larn\u00e1msl\u00edkana haldist vi\u00f0eigandi og n\u00e1kv\u00e6m me\u00f0 t\u00edmanum.<\/p>\n<p>D\u00e6mi: Fyrir vi\u00f0skiptafyrirt\u00e6ki.<\/p>\n<p>Vi\u00f0skipta\u00admerki fyrir gjaldeyri e\u00f0a hr\u00e1v\u00f6rur geta breyst, til d\u00e6mis vegna breytinga \u00e1 heg\u00f0un annarra marka\u00f0sa\u00f0ila. Vi\u00f0 sj\u00e1um \u00feetta til d\u00e6mis \u00ed vaxandi vins\u00e6ldum vi\u00f0skiptaforrita, en einnig \u00ed fl\u00f3knari atbur\u00f0um.<\/p>\n<p>Af \u00feessum s\u00f6kum \u00e6ttu fyrirt\u00e6ki sem \u00feegar vinna me\u00f0 megindlegar a\u00f0fer\u00f0ir a\u00f0 \u00edhuga a\u00f0 halda reikniritum s\u00ednum uppf\u00e6r\u00f0um og fella inn ferskar hugmyndir. <\/p>\n<p><b>Jakob<\/b>: Sebastian, takk fyrir inns\u00e6isr\u00edka samr\u00e6\u00f0u. Vi\u00f0 hl\u00f6kkum til a\u00f0 sj\u00e1 meiri v\u00f6xt og n\u00fdsk\u00f6pun \u00e1 \u00feessu svi\u00f0i!<\/p>\n<p><b>Sebastian<\/b>\u00dea\u00f0 er m\u00e9r \u00e1n\u00e6gja, Jakub. \u00c9g \u00feakka fyrir \u00feetta t\u00e6kif\u00e6ri, \u00fev\u00ed \u00fea\u00f0 ger\u00f0i okkur kleift a\u00f0 r\u00e6\u00f0a spennandi framfarir \u00e1 okkar svi\u00f0i og mikilv\u00e6gi \u00feeirra \u00ed s\u00edbreytilegu stafr\u00e6nu landslagi.<\/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=\"snertib\u00fa\u00f0 JJ\" \/><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Innsl\u00e1ttur samtal vi\u00f0 Sebastian Niehaus, CTO hj\u00e1 SEKASA Technologies, um umbreytingarhlutverk gervigreindar og v\u00e9lan\u00e1m \u00ed fintech-geiranum.<\/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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