Fintech Will Never Be the Same Again

4 min readAug 23, 2022


The fintech sector is going through profound changes for two main reasons. To start with, the pandemic has shifted this sector off of its original course. Simultaneously, technologies are changing faster than ever, requiring consistent innovation and out-of-the-box thinking. I see an opportunity in every challenge. Therefore, my colleagues and I implemented some vast improvements and new features to, the global online broker I established — both during the pandemic and after things started getting back to normal.
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While the pandemic was raging, we focused on adjusting to our corporate mission and improving the services we provide. We tried putting people, technology, and processes together to work more effectively. Procedures were digitalized to create a faster and more fluent pace of work for the benefit of our customers. We also created more products and better services. Spreads and fees were lowered, attracting new investors.

As life started getting back on track, we created our X-branded product line, and we are also close to launching our investing service through DMA. Here is a brief description of these products:

  • Stox allows trading unleveraged products with no commissions.
  • ThematiX merges top companies into stock portfolios.
  • DMA (Direct Market Access) allows commission-free investing for all.

The story of is nowadays known as a world-leading reputed international broker, and the recent improvements I mentioned gave us another advantage over other brokers. It may be easy to forget, though, that also started as a small and unfamiliar company.

It’s been 14 years since I started working in the online trading industry. During this time, I invested in various startups, but I was always the most enthusiastic about fintech companies. It wasn’t long till I was certain I wanted my day-to-day job to remain in online trading. I founded during times when regulations were tighter, and the competition was fiercer. I saw this challenge as an opportunity to compete and learn from the big players. Eventually, became a big player on its own.

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Nowadays, is flourishing. We started this business during the most difficult period in the markets, but nowadays, online trading is entering a golden age, as many people have started growing interested in investing.

We at have employees of over 40 nationalities, many of whom are under 30. We value our team — they bring a true spirit of innovation and hard work to our offices. For these reasons, we always prefer to promote from within.

I believe it doesn’t matter who was first to enter this market or who’s proceeding faster. Consistency is more important. We are here for the long run. I see this business as a marathon, not a sprint. Others may have the advantage of time, but we have the lead in other aspects: Hard work, putting the client first, and the fine products we offer.

Where we’re headed

The fintech and online trading world are ever-changing. The modern era has modified them a lot. The most significant shift it brought was democratization. This change benefits clients and users of financial instruments and also small businesses since they now can accomplish more with fewer resources. Democratization wouldn’t have been possible without Web 3.0, which unleashed the potential of low-code or no-code. The latter is expected to expand dramatically by the end of 2022, as are API connections and other factors.

Direct Market Access
Photo by Shutterstock

Today, exceptional products can be created with much less hassle and in much less time than it used to take a few years back while maintaining a competitive advantage. Fintech is gaining popularity at an unprecedented pace, and brokerage firms have begun to shift their focus from ‘old-school’ brokerage and investments to product and marketing firms. We at are well aware of the current trends and take them into account while planning for the future. However, we do it quite differently from others.

Spoiler alert

I prefer not to dive into great depth about our future developments since I believe a part of’s success is a product of a humble mindset. We are the kind of people who talk less but do more. However, just to give you a general idea of what we plan on doing, I’ll give you some spoilers: New products are on their way into, as are new and exciting markets. is expected to have more licenses, so clients will be able to use improved services. To conclude, is set to become a true one-stop shop for enthusiastic investors.