{"id":3770,"date":"2021-11-30T01:00:00","date_gmt":"2021-11-30T01:00:00","guid":{"rendered":"http:\/\/the-codest.localhost\/blog\/top-programming-languages-for-fintech-companies\/"},"modified":"2026-03-05T13:04:43","modified_gmt":"2026-03-05T13:04:43","slug":"geriausios-programavimo-kalbos-fintech-imonems","status":"publish","type":"post","link":"https:\/\/thecodest.co\/lt\/blog\/top-programming-languages-for-fintech-companies\/","title":{"rendered":"Kokios yra geriausios programavimo kalbos Fintech \u012fmon\u0117ms?"},"content":{"rendered":"

K\u0105 rodo skai\u010diai?<\/strong><\/h2>\n

Python<\/a> arba Java<\/a> jau kelerius metus yra viena i\u0161 labiausiai naudojam\u0173 kalb\u0173, taip pat ir kuriant fintech<\/a> produktai. \"HackerRank\" pareng\u0117 reiting\u0105, i\u0161 kurio matyti, kad \u0161ios dvi kalbos ir C++ yra populiariausios \u0161ioje pramon\u0117s \u0161akoje. Septint\u0105j\u0105 viet\u0105 \u0161iame s\u0105ra\u0161e u\u017eima Ruby<\/a>; 2019 m. jis u\u017e\u0117m\u0117 de\u0161imt\u0105 viet\u0105 bendrajame \"Stack OverFlow\" da\u017eniausiai naudojam\u0173 programavimo kalbos<\/a>.<\/p>\n

\"Fintech\"<\/p>\n

\u0161altinis: HackerRank<\/em><\/p>\n

Ar gali b\u016bti \"Ruby\" geresnis pasirinkimas nei net Python?<\/strong><\/h2>\n

A\u0161 miniu Ruby<\/a><\/strong> d\u0117l tam tikros prie\u017easties. Tai viena i\u0161 pagrindini\u0173 m\u016bs\u0173 technologij\u0173 Codest (esame programin\u0117s \u012frangos k\u016brimo \u012fmon\u0117)<\/a><\/strong>, tod\u0117l puikiai \u017einome \u0161ios kalbos privalumus; \"Fintech\" projekt\u0173 atveju \u0161i programavimo kalba puikiai tinka. Nors Python laikoma spar\u010diausiai besivystan\u010dia kalba finansai<\/a> apskritai \"Ruby\" gali b\u016bti vertinga alternatyva. Kod\u0117l? Palyginkime svarbiausias abiej\u0173 programavimo kalb\u0173 savybes, susijusias su Fintech produktai<\/a>.<\/p>\n

Ruby<\/strong><\/h3>\n

Privalumai:<\/strong><\/h4>\n
    \n
  1. \n

    Galinga sistema.<\/strong> B\u0117giai<\/a> yra populiariausia \"Ruby\" sistema. Did\u017eiausias jo privalumas - paprastas ra\u0161ymas kodas<\/a>. Taip pat verta pamin\u0117ti, kad ji turi daugyb\u0119 pl\u0117tini\u0173 ir moduli\u0173, kurie labai palengvina programuotojo darb\u0105.<\/p>\n<\/li>\n

  2. \n

    Sutaupytas laikas ir greitas k\u016brimas.<\/strong> Naudojant naujausius programavimo \u012frankius, tiek \"Ruby\", tiek Ruby on Rails<\/a> padidinti \u012fgyvendinam\u0173 projekt\u0173 laiko efektyvum\u0105. Kuriant \u017einiatinklio svetain\u0117<\/a> program\u0105, jos pirm\u0105sias funkcijas galima pasiekti daug grei\u010diau ir \u012fdedant ma\u017eiau pastang\u0173 nei naudojant kitas programavimo kalbas.<\/p>\n<\/li>\n

  3. \n

    Lankstumas.<\/strong> \"Ruby\" neriboja programuotojo, bet suteikia galimyb\u0119 bet kuriuo metu keisti ar i\u0161trinti kod\u0105. Jei klientas papra\u0161o pakeisti tam tikr\u0105 funkcij\u0105, u\u017eduot\u012f galima atlikti per palyginti trump\u0105 laik\u0105.<\/p>\n<\/li>\n

  4. \n

    Sauga.<\/strong> \u0160is veiksnys labai svarbus kuriant \"fintech\" produktus. Ruby on Rails sistemoje \"Ruby\" yra mechanizm\u0173, didinan\u010di\u0173 taikom\u0173j\u0173 program\u0173 saugum\u0105 - integruota apsauga nuo XSS, CSRF ir SQL Injection atak\u0173, kurios laikomos vienomis i\u0161 labiausiai paplitusi\u0173 atak\u0173 prie\u0161 \u017einiatinklio programas.<\/p>\n<\/li>\n<\/ol>\n

    5. Trumpas kelias \u012f MVP<\/a>.<\/strong> \"Rails\" sistema leid\u017eia labai greitai sukurti pagrindin\u012f produktas<\/a> kuriame pateikiamos svarbiausios funkcijos, kurias klientas gali patikrinti.<\/p>\n

    Python<\/strong><\/h3>\n

    Privalumai<\/strong>:<\/h4>\n
      \n
    1. \n

      Mastelio keitimas<\/a><\/strong>. Python, kaip ir \"Ruby\", laikoma programavimo kalba, kuria galima sukurti veikian\u010di\u0105 program\u0105 per labai trump\u0105 laik\u0105.<\/p>\n<\/li>\n

    2. \n

      Greitis ir efektyvumas.<\/strong> Darbas su dideliais Duomenys<\/a> Python yra gana greitas ir efektyvus. Tai labai i\u0161pl\u0117tota programavimo kalba, u\u017etikrinanti auk\u0161\u010diausius duomen\u0173 rengimo standartus, tod\u0117l j\u016bs\u0173 produktas tur\u0117t\u0173 veikti efektyviai ir greitai.<\/p>\n<\/li>\n

    3. \n

      Lengva kodo prie\u017ei\u016bra.<\/strong> Python kodas yra \u012fskaitomas, tod\u0117l jo prie\u017ei\u016bra taip pat nereikalauja daug pastang\u0173 - pakeitim\u0173, kuriuos teks atlikti ateityje, nebus daug.<\/p>\n<\/li>\n

    4. \n

      Turtinga biblioteka.<\/strong> Python turi daug integruot\u0173 ir ne\u0161iojam\u0173j\u0173 parink\u010di\u0173. Tokia biblioteka leid\u017eia atlikti daugel\u012f programavimo u\u017eduo\u010di\u0173 taikom\u0173j\u0173 program\u0173 lygmeniu - nuo \u0161ablon\u0173 parinkimo iki tinklo skript\u0173 (skriptu vadiname program\u0105, kuriai nereikia transformavimo i\u0161 teksto \u012f vykdom\u0105j\u012f fail\u0105 etapo).<\/p>\n<\/li>\n

    5. \n

      Ry\u0161ys su kitomis programos dalimis.<\/strong> Python efektyviai bendrauja su kitomis programos dalimis, nes naudojama daugyb\u0117 integracijos mechanizm\u0173.<\/p>\n<\/li>\n<\/ol>\n

      <\/article-inline-code-review><\/p>\n

      ...bet kod\u0117l \"Ruby\" skirtas \"Fintech\" produktui?<\/strong><\/h2>\n

      Be daugyb\u0117s jau min\u0117t\u0173 privalum\u0173, nor\u0117\u010diau atkreipti d\u0117mes\u012f \u012f da\u017eniausi\u0105 kaltinim\u0105 \"Ruby\". Kai kas sako, kad \u0161ios kalbos tr\u016bkumas yra dokumentacija. Ta\u010diau a\u0161 manau, kad \"Ruby\" yra tokia \"i\u0161rai\u0161kinga\", kad \"senam\" kodui nereikia dokumentacijos, kad gal\u0117tum j\u012f perskaityti. Be to, \"senas\", nedokumentuotas kodas ne\u012fvedamas \u012f projektas<\/a>; a k\u016br\u0117jas<\/a> tur\u0117t\u0173 para\u0161yti nauj\u0105 arba anks\u010diau veikus\u012f kod\u0105 ir tada tiesiogiai \u012fgyvendinti patobulinimus.<\/p>\n

      Esu tvirtai \u012fsitikin\u0119s, kad \"Ruby\" yra geras pasirinkimas kuriant \"fintech\" produktus. Ir mes galime rasti daugyb\u0119 patvirtinim\u0173 - spar\u010diai augan\u010di\u0105 Fintech \u012fmon\u0117s<\/a> kurios technologija pagr\u012fsta \"Ruby\". Pateikiame pavyzdin\u012f trump\u0105j\u012f s\u0105ra\u0161\u0105:<\/p>\n

      \"Ruby\" pagrindu veikian\u010dios \"Fintech\" \u012fmon\u0117s:<\/strong><\/h3>\n

      \"CoverWallet\"<\/strong><\/h4>\n

      Pagrindin\u0117 b\u016bstin\u0117: Niujorkas<\/p>\n

      Apie \u012fmon\u0119: \u012emon\u0117 \"CoverWallet\" derina i\u0161sami\u0105 analiz\u0119, apgalvot\u0105 dizain\u0105 ir moderniausias technologijas, kad pad\u0117t\u0173 ma\u017eoms \u012fmon\u0117ms atlikti visus j\u0173 draudimas<\/a> poreikius. \"CoverWallet\" u\u017etikrina vientis\u0105 naudotojo patirt\u012f, o savo klientams si\u016blo sutaupyti, pritaikyti draudimo apsaug\u0105 ir geriausi\u0105 aptarnavim\u0105 savo klas\u0117je.<\/p>\n

      EveryPay<\/strong><\/h4>\n

      Pagrindin\u0117 b\u016bstin\u0117: Talinas<\/p>\n

      Apie \u012fmon\u0119: \"EveryPay\" si\u016blo visi\u0161kai debesimis pagr\u012fst\u0105 mok\u0117jimo vart\u0173 platform\u0105, skirt\u0105 bankai<\/a> ir pirk\u0117jai. Ji suteikia jiems prieig\u0105 prie moderniausi\u0173 ir nuolat tobulinam\u0173 skaitmenini\u0173 mok\u0117jim\u0173 sprendim\u0173 su visomis reikiamomis priemon\u0117mis, leid\u017eian\u010diomis valdyti \u012fsigijimo veikl\u0105. Elektronin\u0117 prekyba<\/a>.<\/p>\n

      \"QuickPay PSP<\/strong><\/h4>\n

      Pagrindin\u0117 b\u016bstin\u0117: Orhusas<\/p>\n

      Apie \u012fmon\u0119: \"QuickPay\" yra saugi ir dinami\u0161ka mok\u0117jimo paslaug\u0173 teik\u0117ja, teikianti paslaugas daugiau nei 10 000 prekybinink\u0173 did\u017eiojoje Europos dalyje. Ji leid\u017eia jiems priimti plat\u0173 kredito korteli\u0173 ir kit\u0173 mok\u0117jimo b\u016bd\u0173 spektr\u0105.<\/p>\n

      InBank<\/strong> Kaip<\/strong><\/h4>\n

      Pagrindin\u0117 b\u016bstin\u0117: Talinas<\/p>\n

      Apie \u012fmon\u0119: \"Inbank\" yra \u012f vartotoj\u0173 finansus orientuota skaitmenin\u0117 bankas<\/a> turinti ES kredito \u012fstaigos licencij\u0105 ir veikianti septyniose \u0161alyse. \u0160iuo metu ji turi apie 400 000 klient\u0173 sutar\u010di\u0173, teikia vartojimo finansavimo ir ind\u0117li\u0173 produktus.<\/p>\n

      CrowdDesk<\/strong><\/h4>\n

      Pagrindin\u0117 b\u016bstin\u0117: .<\/p>\n

      Apie \u012fmon\u0119: CrowdDesk si\u016blo \u012fmon\u0117ms visi\u0161kai skaitmenizuotus finansavimo kaip paslaugos sprendimus, skirtus kapitalo pritraukimui internetu. Juos galima pritaikyti prie individuali\u0173 klient\u0173 poreiki\u0173.<\/p>\n

      kredit\u0173 lentyna<\/strong><\/h4>\n

      Pagrindin\u0117 b\u016bstin\u0117: .<\/p>\n

      Apie \u012fmon\u0119: \"creditshelf\" jau daugel\u012f met\u0173 teikia finansavimo paslaugas ma\u017eoms ir vidutin\u0117ms \u012fmon\u0117ms - paprastas, greitas ir novatori\u0161kas. D\u0117l creditshelf sukurtos technologijos kredit\u0173 analiz\u0117 klientams atliekama greitai ir lengvai.<\/p>\n

      PAIR Finance<\/strong><\/h4>\n

      Pagrindin\u0117 b\u016bstin\u0117: Berlynas<\/p>\n

      Apie \u012fmon\u0119: PAIR Finance yra pirmaujanti dirbtiniu intelektu pagr\u012fsta fintech, skirta skol\u0173 i\u0161ie\u0161kojimui ir gautin\u0173 sum\u0173 valdymui. \u012emon\u0117 verslo klientams teikia inovatyvias technologijas, moderni\u0105 elgsenos analiz\u0119 ir duomen\u0173 moksl\u0105, kad gr\u0105\u017eint\u0173 prarastus pardavimus d\u0117l neapmok\u0117t\u0173 s\u0105skait\u0173 fakt\u016br\u0173 - skaitmenin\u0119, efektyvi\u0105 ir \u012f klientus orientuot\u0105 veikl\u0105.<\/p>\n

      COMPEON<\/strong><\/h4>\n

      Pagrindin\u0117 b\u016bstin\u0117: Diuseldorfas<\/p>\n

      Apie \u012fmon\u0119: COMPEON yra vienintel\u0117 nepriklausoma MV\u012e finansavimo paslaug\u0173 teik\u0117ja Vokietija<\/a>. \u012emon\u0117s ir j\u0173 konsultantai, laisvai samdomi specialistai ir savaranki\u0161kai dirbantys asmenys \u0161ioje platformoje gali greitai rasti geriausi\u0105 finansavimo sprendim\u0105 savo projektui.<\/p>\n

      Whitebox<\/strong><\/h4>\n

      Pagrindin\u0117 b\u016bstin\u0117: Freiburgas<\/p>\n

      Apie \u012fmon\u0119: \"Whitebox\" yra vienas i\u0161 pirmaujan\u010di\u0173 nuo bank\u0173 nepriklausom\u0173 skaitmeninio turto valdytoj\u0173 Vokietijoje. \u012emon\u0117 si\u016blo aktyv\u0173 portfelio valdym\u0105, grind\u017eiam\u0105 vert\u0117s po\u017ei\u016briu. Whitebox daugiausia investuoja \u012f nepakankamai \u012fvertintas turto klases, kurios yra atvaizduotos pigiais, bir\u017eoje prekiaujamais indekso fondais (ETF).<\/p>\n

      Kaip d\u0117l \"Java\"?<\/h2>\n

      \"Java\" yra labai lanksti kalba, naudojama \u012fvairiuose projektuose, pvz. fintech<\/strong>. Jis taip pat puikiai veikia blok\u0173 grandin\u0117<\/a>, debesis<\/a> skai\u010diavimas, IoT<\/a>, AI<\/a>, ML ir t. t. \"Java\" potencialas dar tik atrandamas, ta\u010diau \u0161i programavimo kalba tikrai turi k\u0105 pasi\u016blyti.<\/p>\n

      Privalumai:<\/h3>\n
        \n
      1. \n

        \u012eperkamas<\/b>. \"Java\" programos yra pigesn\u0117s, kai kalbama apie k\u016brim\u0105 ir prie\u017ei\u016br\u0105, nes jos veikia tam tikroje aparatin\u0117s \u012frangos infrastrukt\u016broje. <\/p>\n<\/li>\n

      2. \n

        Platformos nepriklausomyb\u0117<\/b>. \"Java\" yra WORA kalbos tipas (write once, run anywhere). Tai rei\u0161kia, kad programuotojas gali kurti kod\u0105 vienoje sistemoje ir b\u016bti tikras, kad jis veiks kitose \"Java\" naudojan\u010diose sistemose. <\/p>\n<\/li>\n

      3. \n

        Stabilumas<\/b>. \"Java\" yra viena stabiliausi\u0173 kalb\u0173. Be to, naujausiais atnaujinimais siekiama, kad ji b\u016bt\u0173 dar stabilesn\u0117.<\/p>\n<\/li>\n

      4. \n

        Daugiasluoksni\u0161kumas<\/b>. Tai daugiagrandin\u0117 kalba, o tai rei\u0161kia, kad vienu metu gali veikti daugiau nei viena gija - tai padidina programos na\u0161um\u0105. <\/p>\n<\/li>\n

      5. \n

        Paprastumas<\/b>. \"Java\" laikoma ne tokia sud\u0117tinga programavimo kalba kaip C++ ir C. <\/p>\n<\/li>\n<\/ol>\n

        Santrauka<\/strong><\/h2>\n

        Jei kada nors tur\u0117site nuspr\u0119sti, koki\u0105 technologij\u0105 ir programavimo kalb\u0105 pasirinkti savo fintech produktui kurti, tur\u0117kite omenyje pirmiau pateikt\u0105 suskirstym\u0105 ir atminkite, kad Python n\u0117ra vienintel\u0117 galimyb\u0117. Kaip gal\u0117jote pasteb\u0117ti, \"Ruby\" taip pat yra puikus pasirinkimas visai fintech pramon\u0117<\/a>, k\u0105 \u012frodo daugyb\u0117 jos privalum\u0173 ir real\u016bs \u0161i\u0105 kalb\u0105 naudojan\u010di\u0173 klestin\u010di\u0173 \u012fmoni\u0173 pavyzd\u017eiai.<\/p>\n

        Jei turite klausim\u0173, susijusi\u0173 su savo fintech produktu, nedvejodami susisiekite su manimi ir susitarkite d\u0117l greito pokalbio, kad aptartume j\u016bs\u0173 abejones.<\/p>","protected":false},"excerpt":{"rendered":"

        Kurdamos \"fintech\" produkt\u0105 \u012fmon\u0117s da\u017enai susiduria su dilema, kaip pasirinkti tinkam\u0105 programavimo kalb\u0105. Ruby, Python, Java ar C - visos jos turi savo stipri\u0173j\u0173 ir silpn\u0173j\u0173 pusi\u0173, tod\u0117l pasirinkti gali b\u016bti gana sunku. Mano galva, d\u0117l technologijos tur\u0117tum\u0117te apsispr\u0119sti priklausomai nuo savo \"fintech\" produkto srities, kad gal\u0117tum\u0117te pasirinkti geriausiai poreikius atitinkan\u010di\u0105 kalb\u0105.<\/p>","protected":false},"author":2,"featured_media":3771,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[4,15,8],"tags":[32],"class_list":["post-3770","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-enterprise-scaleups-solutions","category-fintech","category-software-development","tag-fintech"],"acf":[],"yoast_head":"\nWhat Are the Best Programming Languages for Fintech Companies? - The Codest<\/title>\n<meta name=\"description\" content=\"A guide to fintech development technologies, compare Ruby, Python, and Java and learn which language works best for fintech platforms.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thecodest.co\/lt\/tinklarastis\/geriausios-programavimo-kalbos-fintech-imonems\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Are the Best Programming Languages for Fintech Companies?\" \/>\n<meta property=\"og:description\" content=\"A guide to fintech development technologies, compare Ruby, Python, and Java and learn which language works best for fintech platforms.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thecodest.co\/lt\/tinklarastis\/geriausios-programavimo-kalbos-fintech-imonems\/\" \/>\n<meta property=\"og:site_name\" content=\"The Codest\" \/>\n<meta property=\"article:published_time\" content=\"2021-11-30T01:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-05T13:04:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/thecodest.co\/app\/uploads\/2024\/05\/top_programming_languages_for_fintech_companies.png\" \/>\n\t<meta property=\"og:image:width\" content=\"960\" \/>\n\t<meta property=\"og:image:height\" content=\"540\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"thecodest\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"thecodest\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/thecodest.co\\\/blog\\\/top-programming-languages-for-fintech-companies\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/thecodest.co\\\/blog\\\/top-programming-languages-for-fintech-companies\\\/\"},\"author\":{\"name\":\"thecodest\",\"@id\":\"https:\\\/\\\/thecodest.co\\\/#\\\/schema\\\/person\\\/7e3fe41dfa4f4e41a7baad4c6e0d4f76\"},\"headline\":\"What Are the Best Programming Languages for Fintech Companies?\",\"datePublished\":\"2021-11-30T01:00:00+00:00\",\"dateModified\":\"2026-03-05T13:04:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/thecodest.co\\\/blog\\\/top-programming-languages-for-fintech-companies\\\/\"},\"wordCount\":1306,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/thecodest.co\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/thecodest.co\\\/blog\\\/top-programming-languages-for-fintech-companies\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/thecodest.co\\\/app\\\/uploads\\\/2024\\\/05\\\/top_programming_languages_for_fintech_companies.png\",\"keywords\":[\"Fintech\"],\"articleSection\":[\"Enterprise & Scaleups Solutions\",\"Fintech\",\"Software Development\"],\"inLanguage\":\"lt-LT\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/thecodest.co\\\/blog\\\/top-programming-languages-for-fintech-companies\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/thecodest.co\\\/blog\\\/top-programming-languages-for-fintech-companies\\\/\",\"url\":\"https:\\\/\\\/thecodest.co\\\/blog\\\/top-programming-languages-for-fintech-companies\\\/\",\"name\":\"What Are the Best Programming Languages for Fintech Companies? 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