{"id":15078,"date":"2022-11-04T18:01:46","date_gmt":"2022-11-04T11:01:46","guid":{"rendered":"https:\/\/www.smartdev.com\/?p=15078"},"modified":"2024-07-18T07:55:10","modified_gmt":"2024-07-18T07:55:10","slug":"fintech-scout-cto-andrey-tikhonov-at-money-20-20","status":"publish","type":"post","link":"https:\/\/smartdev.com\/kr\/fintech-scout-cto-andrey-tikhonov-at-money-20-20\/","title":{"rendered":"\ud540\ud14c\ud06c \uc2a4\uce74\uc6b0\ud2b8: Money 20\/20\uc758 CTO Andrey Tikhonov"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">So, Fintech is moving fast. It has to. If you\u2019re looking for a good analogy, here you go: The average human neuron in the brain fires an average of 0.16 times per second, and serves the human body. How many times does the Fintech sector fire impulses to serve the world\u2019s financial sector? Much more often than that. Because Fintech is a complicated, distributed system like the human brain, it needs a holistic, system-level of understanding to be, um\u2026understood.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this analogy, the world\u2019s financial sector is the body, and Fintech is the brain. Or at least a part of it. You get the picture.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">SmartDev is part of a tech family called <a href=\"https:\/\/verysellgroup.com\/\">VerySell<\/a>, which includes Fintech leader <a href=\"https:\/\/verypay.ch\/\">\ubca0\ub9ac\ud398\uc774<\/a>. And VeryPay&#8217;s own <\/span><a href=\"https:\/\/verysellgroup.com\/meet-our-team\/\"><span style=\"font-weight: 400;\">CTO Andrey Tikhonov<\/span><\/a><span style=\"font-weight: 400;\">\u00a0went to the world\u2019s biggest Fintech conference: <\/span><a href=\"https:\/\/us.money2020.com\/\"><span style=\"font-weight: 400;\">Money 20\/20<\/span><\/a><span style=\"font-weight: 400;\">, hosted in Las Vegas from October 23-26. Because there\u2019s a lot to keep up with.\u00a0<\/span><\/p>\n<div id=\"attachment_15080\" style=\"width: 959px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" aria-describedby=\"caption-attachment-15080\" class=\"wp-image-15080 size-full lazyload\" data-src=\"https:\/\/smartdev.com\/wp-content\/uploads\/2022\/11\/andrey-tikhonov-e1667559500248.png\" alt=\"\uc548\ub4dc\ub808\uc774 \ud2f0\ucf54\ub178\ud504\" width=\"949\" height=\"778\" data-srcset=\"https:\/\/smartdev.com\/wp-content\/uploads\/2022\/11\/andrey-tikhonov-e1667559500248.png 949w, https:\/\/smartdev.com\/wp-content\/uploads\/2022\/11\/andrey-tikhonov-e1667559500248-300x246.png 300w, https:\/\/smartdev.com\/wp-content\/uploads\/2022\/11\/andrey-tikhonov-e1667559500248-768x630.png 768w, https:\/\/smartdev.com\/wp-content\/uploads\/2022\/11\/andrey-tikhonov-e1667559500248-15x12.png 15w\" data-sizes=\"(max-width: 949px) 100vw, 949px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 949px; --smush-placeholder-aspect-ratio: 949\/778;\" \/><p id=\"caption-attachment-15080\" class=\"wp-caption-text\">The very face of VeryPay&#8217;s very talented CTO.<\/p><\/div>\n<p><span style=\"font-weight: 400;\">You may have noticed an acceleration in tech trends. That\u2019s true across the board, and certainly in Fintech. The world of Fintech is touching more lives than ever before, and it\u2019s looking to explode in personal utility. The focus of Money 20\/20, positioned as the Fintech&#8217;s Biggest Conversation was allocated between several key aspects of developing Financial Technology in the modern era:<\/span><\/p>\n<ul>\n<li><span class=\"JsGRdQ\">Security and Vulnerability Management<\/span><\/li>\n<li><span class=\"JsGRdQ\">KYC and Identity Management<\/span><\/li>\n<li><span class=\"JsGRdQ\">Blockchain and Crypto<\/span><\/li>\n<li><span class=\"JsGRdQ\">Decentralized Finance<\/span><\/li>\n<li><span class=\"JsGRdQ\">Embedded Finance<\/span><\/li>\n<li><span class=\"JsGRdQ\">Banking as Service<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">As Money 20\/20 content director Zach Anderson explained, \u201cFinancial services, Fintech, embedded finance, whatever your buzzword is \u2014 it matters. Every single person striving to build a better life and put food on the table needs hope. We need the brightest minds to care about this financial world that we love. We need to see how consequences intended or unintended can give us a sense of what happens. So \u2014 what happens when the unexpected occurs?<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Vulnerability\"><\/span><span style=\"font-weight: 400;\">Vulnerability<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Let\u2019s be real: When you put financial data out there, it\u2019s vulnerable. This can be frightening. But it can also be affirming: Knowing that your data is secure with one service compared to others gives a competitive advantage. This is the level playing field that giants are made on.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The world has certainly felt more vulnerable than ever these last few years, so people are more sensitive than ever to threats. That doesn\u2019t have to be a bad thing. What that means for Fintech providers is simple: Embracing chaos and vulnerability and imagining every possible outcome leads to stronger solutions. Stuff happens, but if you\u2019re prepared for it, it doesn\u2019t have to happen to you.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Offense_Defence\"><\/span><span style=\"font-weight: 400;\">Offense &amp; Defence<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you\u2019re a person, business, or anything in between, you have two choices when it comes to handling threats: offense and defense. When businesses are challenged with threats to their bottom line, for example, they wonder if they should cut costs or aim to increase sales. A casual observer might ask, well, why not both?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The same goes for Fintech. When sensitive data is on the line, it needs to be protected both proactively and reactively. A military saying says \u201cOffense is the best defence.\u201d Well, that\u2019s nonsense. The best offense is a good offense. The best defence is a good defence. When it comes to online security, there\u2019s no room for error on either end.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Chain_Reactions\"><\/span><span style=\"font-weight: 400;\">Chain Reactions<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div id=\"attachment_15081\" style=\"width: 1034px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" aria-describedby=\"caption-attachment-15081\" class=\"wp-image-15081 size-large lazyload\" data-src=\"https:\/\/smartdev.com\/wp-content\/uploads\/2022\/11\/josep-castells-5Mh8iz9vqpY-unsplash-1024x683.jpg\" alt=\"Chain lightning\" width=\"1024\" height=\"683\" data-srcset=\"https:\/\/smartdev.com\/wp-content\/uploads\/2022\/11\/josep-castells-5Mh8iz9vqpY-unsplash-1024x683.jpg 1024w, https:\/\/smartdev.com\/wp-content\/uploads\/2022\/11\/josep-castells-5Mh8iz9vqpY-unsplash-300x200.jpg 300w, https:\/\/smartdev.com\/wp-content\/uploads\/2022\/11\/josep-castells-5Mh8iz9vqpY-unsplash-768x512.jpg 768w, https:\/\/smartdev.com\/wp-content\/uploads\/2022\/11\/josep-castells-5Mh8iz9vqpY-unsplash-1536x1024.jpg 1536w, https:\/\/smartdev.com\/wp-content\/uploads\/2022\/11\/josep-castells-5Mh8iz9vqpY-unsplash-18x12.jpg 18w, https:\/\/smartdev.com\/wp-content\/uploads\/2022\/11\/josep-castells-5Mh8iz9vqpY-unsplash-900x600.jpg 900w, https:\/\/smartdev.com\/wp-content\/uploads\/2022\/11\/josep-castells-5Mh8iz9vqpY-unsplash.jpg 1920w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/683;\" \/><p id=\"caption-attachment-15081\" class=\"wp-caption-text\">Chain reactions in Fintech move as fast as lightning.<\/p><\/div>\n<p><span style=\"font-weight: 400;\">A neuron firing in the brain sets off a chain reaction in the body. Similarly, developments in Fintech ripple across the global economy, leading to uncertain outcomes. The uncertainty part is ok: That\u2019s just what happens in complex systems.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Complex systems can never be fully described or modeled, but they can be understood as a whole. That\u2019s just what a CTO is for, and that\u2019s why our Andrey Tikhonov went to Money 20\/20. Chain reactions these days tend to loop back on themselves, creating a resonant effect. What that means for Fintech is an acceleration tending towards exponentiality. Where this will be in ten years is anyone\u2019s guess. But where this is right now? We\u2019re on top of it.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Covering_All_the_Bases\"><\/span><span style=\"font-weight: 400;\">Covering All the Bases<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you were to look at the future of money right now, you\u2019d be looking through a kaleidoscope. Essentially, you\u2019re looking at a system of ever-increasing complexity and diversity in which individual technical players \u2014 like us, of course \u2014 play an increasingly large role. We build the technical future, but our clients use it.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Want to know just how SmartDev can help build your Fintech future? <a href=\"https:\/\/smartdev.com\/kr\/get-started\/\">\ubb34\ub8cc \uacac\uc801\uc744 \uc6d0\ud558\uc2dc\uba74 \uc800\ud76c\uc5d0\uac8c \uc5f0\ub77d\ud558\uc138\uc694<\/a> and we\u2019ll show you how it\u2019s done. It\u2019s fun for us, anyway.\u00a0<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>So, Fintech is moving fast. It has to. If you\u2019re looking for a good analogy,&#8230;<\/p>","protected":false},"author":13,"featured_media":15079,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[49],"tags":[],"class_list":{"0":"post-15078","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-technology"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fintech Scout: CTO Andrey Tikhonov at Money 20\/20 | SmartDev<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/smartdev.com\/kr\/fintech-scout-cto-andrey-tikhonov-at-money-20-20\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fintech Scout: CTO Andrey Tikhonov at Money 20\/20 | SmartDev\" \/>\n<meta property=\"og:description\" content=\"So, Fintech is moving fast. 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