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Finance meets Technology: Building a FinTech Startup

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Success stories aren’t born overnight, success comes with hours of hard team work, persistence, and innovative ideas. During my speech, I will share our experience of building Mintos, the Top 3 peer to peer lending marketplace in Continental Europe.

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Finance meets Technology: Building a FinTech Startup

  1. 1. FINANCE MEETS TECHNOLOGY BUILDING A FINTECH STARTUP
  2. 2. whoami? Mārtiņš Eglītis CTO @ Mintos, www.mintos. com
  3. 3. Why Mintos ● Made in Latvia ● Operating in whole Europe ● ~20 employees (about a half in IT)
  4. 4. Agenda ● Business idea and challenges ● Technological challenges
  5. 5. Mintos is a peer-to-peer lending marketplace
  6. 6. Sharing Economy
  7. 7. Mintos Presence ● 9000 investors from 40 countries ○ Currently mainly retail ○ Some institutional investors ● 12 loan originators from 6 countries
  8. 8. Mintos Presence ● Loan products ○ Business loans ○ Mortgage loans ○ Personal loans ○ Secured car loans ○ Secured business loans ○ Invoice financing loans ○ Agricultural loans
  9. 9. Strong early traction Total loans funded (cumulative) 48M EUR 200K EUR 3M EUR
  10. 10. Mintos closes 2 million euro seed funding round
  11. 11. First business model ● All loans are secured by real estate and issued by Mintos ● Latvia first, then new countries would be added ● Marketing activities to attract borrowers
  12. 12. Traditional p2p lending
  13. 13. Marketplace model
  14. 14. Technology challenges ● Moving from MVP to IS ○ Maintenance (monitoring, infrastructure) ○ Quality assurance ○ Deployments
  15. 15. Standards ● “Finanšu un kapitāla tirgus dalībnieku informācijas sistēmu drošības normatīvie noteikumi” ● OWASP Testing Guide
  16. 16. QA
  17. 17. QA
  18. 18. QA
  19. 19. Selenium IDE
  20. 20. Scrum vs
  21. 21. Takeaways 1 ● Business model isn’t static ● Fintech is full of opportunities to change market segments
  22. 22. Takeaways 2 ● Automatic QA is easy to start ● Don’t overcomplicate development processes ● Monitor everything
  23. 23. Thank you! BTW We are hiring! https://www.mintos.com

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