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# Vacuumlabs: We put the tech in FinTech

## Sitemaps
[XML Sitemap](https://vacuumlabs.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Pages
- [Crypto Hub](https://vacuumlabs.com/crypto-hub/): Unlock the potential of digital assets and cryptocurrencies with tailored services, ensuring your firm stays ahead in the competitive market.
- [Homepage 2026](https://vacuumlabs.com/): "Vacuumlabs is more than a partner. It is part of the Afin Bank team, and continues to go above and beyond to ensure we are successful."
- [Banking APAC](https://vacuumlabs.com/banking-apac/): Modernisation is essential. We build scalable digital products fast, backed by 14+ years of experience and trusted by 200+ clients worldwide.
- [Contact us](https://vacuumlabs.com/contact-us/): Skip the pitch. Talk directly to a domain expert. Vacuumlabs has 14+ years delivering regulated fintech products across the UK, EU & Asia.
- [Wealth Hub](https://vacuumlabs.com/wealth-hub/): We help wealth managers build platforms where clients understand their portfolio, every interaction builds trust, and AUM stays where it belongs.
- [Banking Hub](https://vacuumlabs.com/banking-hub/): From greenfield launches and core banking transformations, Vacuumlabs partners with financial institutions and fintechs to deliver production-grade banking.
- [Privacy Statement (EU)](https://vacuumlabs.com/privacy-statement-eu/): This privacy statement was last updated on 20/03/2026 and applies to citizens and legal permanent residents of the European Economic Area and Switzerland.
- [Cookie Policy (EU)](https://vacuumlabs.com/cookie-policy-eu/): This Cookie Policy was last updated on 20/03/2026 and applies to citizens and legal permanent residents of the European Economic Area and Switzerland.
- [Grow without the chaos](https://vacuumlabs.com/grow-without-the-chaos/): Do you really need to break so you can transform?
- [How We Work With AI](https://vacuumlabs.com/how-we-work-with-ai/): A breakdown of why and how we use AI to accelerate and enhance our engineering process
- [Payment Solutions](https://vacuumlabs.com/services/payment-solutions/): We’ve partnered with startups, scaleups, and global players across the fintech space. Our deep domain knowledge helps us design and build payment solutions that meet regulatory standards and market demands.
- [Core Banking](https://vacuumlabs.com/services/core-banking-system-solutions/): Your partner in implementing core banking solutions, whether you want to co-exist with incumbent solutions or to replace them. 
- [Wealth management solutions](https://vacuumlabs.com/services/wealth-management-solutions/): We can guide you through the ideation and launch of future-forward wealth management tools
- [Product Strategy](https://vacuumlabs.com/services/product-strategy/): About Product Strategy
- [KYB solutions](https://vacuumlabs.com/services/kyb-solutions/): About KYB Solutions
- [Digital lending products](https://vacuumlabs.com/services/digital-lending-products/): About Digital Lending Products
- [B2B Digital Lending Management](https://vacuumlabs.com/services/loan-solutions-services/): Provide businesses with leading digital lending management, backed by expert engineering
- [Blockchain Adoption](https://vacuumlabs.com/services/blockchain-adoption/): About Blockchain Adoption
- [End to End Greenfield solutions](https://vacuumlabs.com/services/end-to-end-greenfield-solutions/): About End-to-End Solutions
- [Fintech engineering](https://vacuumlabs.com/services/fintech-engineering/): We specialize in fintech engineering to drive your growth
- [Fraud detection](https://vacuumlabs.com/services/fraud-detection/): We can help you navigate the latest security challenges with a custom fraud detection system
- [Digital transformation](https://vacuumlabs.com/services/digital-transformation/): We can help with an array of digital transformation services 
- [Mobile App Development](https://vacuumlabs.com/services/mobile-app-development/): About Mobile App Development
- [Feature development](https://vacuumlabs.com/services/feature-driven-development/): About Feature Development
- [Solution architecture](https://vacuumlabs.com/services/solution-architecture-service/): About Solution Architecture
- [Portfolio management](https://vacuumlabs.com/services/portfolio-management/): About Portfolio Management
- [Trading and investment](https://vacuumlabs.com/services/trading-and-investment/): Ensure your trading and investment platform meets industry regulations and security standards. We help you integrate KYC, AML, and fraud detection systems to protect users while maintaining compliance across global markets.
- [DevOps](https://vacuumlabs.com/services/devops/): About DevOps
- [Product Innovation](https://vacuumlabs.com/services/product-innovation/): About Product Innovation
- [AI automation](https://vacuumlabs.com/services/ai-automation/): About AI Automation
- [Super Apps](https://vacuumlabs.com/services/super-apps/): About Super Apps
- [QUALITY POLICY VACUUMLABS S.R.O.](https://vacuumlabs.com/commitment-to-quality/): Approved by: Tomáš Mašek - CEO
- [Spark](https://vacuumlabs.com/services/spark/): Expert-led product discovery that will get you delivery-ready and mitigate risks
- [Fintech Roundup Special Offer](https://vacuumlabs.com/special-offer/): No more articles or downloads. Just schedule a call with one of our experts and let’s start solving your challenges. Tell us a bit about your idea and business needs and we can get on the road to market-ready implementation. 
- [Business Banking for the SME Sector in the EU and UK](https://vacuumlabs.com/business-banking-for-the-sme-sector-in-the-eu-and-uk/): 
This whitepaper delves into the critical role business banking plays in supporting Small and Medium-sized Enterprises (SMEs) in Europe and the UK. It explores the current landscape, key players, innovative solutions, and the potential for financial institutions to better serve this vital sector.
- [Oasis Services](https://vacuumlabs.com/services/oasis-services/): We stand at a pivotal moment in history as AI agents become integral to our lives and work, revolutionizing the way we operate our businesses.
- [About Oasis](https://vacuumlabs.com/oasis-about/): We developed Oasis as a specialized offering to guide people through the growing field of artificial  intelligence. With this deep focus, we aim to provide each clients with customized consultations or development to grow their business.
- [Oasis Home](https://vacuumlabs.com/oasis-home/): Deploy AI agents to work alongside your employees and act as co-pilots to reduce costs and improve efficiency.
- [Oasis Prompt Craftbook](https://vacuumlabs.com/oasis-prompt-craftbook/): We stand at a pivotal moment in history as AI agents become integral to our lives and work, revolutionizing the way we operate our businesses.

- [Ledger](https://vacuumlabs.com/services/ledger/): Vacuumlabs is an official Ledger partner specializing in the development of Device Applications and their Integration into Ledger's ecosystem. We have been delivering blockchain solutions with a keen focus on secure and seamless integration since 2017. Some of our clients include Solana Foundation, Adalite, YOROI, Nufi and others. We are looking forward to discussing how we can help you with your next project.

## Case Studies
- [Modernising private wealth with new digital investment platform](https://vacuumlabs.com/case-study/modernising-private-wealth-across/): Personalised private banking, venture investments, and a mobile app — built on 20+ years of expertise and €200M+ in assets under management.
- [Helping underserved borrowers build financial futures in the UK](https://vacuumlabs.com/case-study/helping-underserved-borrowers-build-financial-futures-in-the-uk/): Afin Bank partners with Vacuumlabs to launch a digital-first bank for Africans and foreign nationals in the UK
- [Empowering Blockchain with API3: A Case Study on Decentralized API Solutions](https://vacuumlabs.com/case-study/empowering-blockchain-with-api3-a-case-study-on-decentralized-api-solutions/): API3 is an open-source, collaborative effort to build, manage, and monetize decentralized APIs (dAPIs), delivering data feeds at scale built on EVM.
- [Galgal: End-to-end development for a friendly budgeting and banking app in India](https://vacuumlabs.com/case-study/galgal/): Galgal builds a user-friendly banking app with Vacuumlabs in just eight months
- [MOX: Building a neobank in Asia with all-in-one numberless bank cards](https://vacuumlabs.com/case-study/mox/): Mox has extraordinary success as an online bank. Led by former CEO Deniz Güven, the smart phone app has taken Hong Kong by storm, snatching up more than 100,000 customers within its first year. It’s rare for a fintech to do so well. And especially so for a legacy bank to create it. At long last, banking giant Standard Chartered has proved that the godfathers of finance really can beat the tech companies at their own game. 
- [Smartie: Discovering unique solutions for a kid-friendly banking app](https://vacuumlabs.com/case-study/smartie/): When 365.bank wanted to teach children financial literacy, it turned to Vacuumlabs to lead the project from ideation to development. Through workshops, testing, and multiple iterations, the Smartie app was born, which uses gamification to help teach youth how to save and spend money.
- [ANATA NFTs Bring VTuber Avatars to Life on Blockchain](https://vacuumlabs.com/case-study/anata-nfts-bring-vtuber-avatars-to-life-on-blockchain/): The ANATA NFT project introduces a unique collection of 2000 anime-style VTuber avatars designed for use in various online platforms like Twitch TV, Discord, and YouTube.
- [Where Solidity Meets Scalability Across Multiple Blockchains](https://vacuumlabs.com/case-study/where-solidity-meets-scalability-across-multiple-blockchains/): Milkomeda delivers rollup technologies to leading Layer 1 ecosystems by offering the most popular smart contracting language, Solidity, while enhancing inter-blockchain interoperability, user experience, and developer traction all at the Layer 2 level.
- [NuFi: A one-stop-shop to simplify crypto’s complex cross-chain world](https://vacuumlabs.com/case-study/nufi/): With Vacuumlabs’ in-house team and resources, NuFi built a non-custodial crypto wallet with the tools to securely manage, buy, sell, swap and stake cryptocurrencies on different blockchains together. Lightweight, private, and Web3 dApp-compatible, NuFi eliminates the need for multiple wallets and simplifies the complex world of cross-chain crypto.
- [Moneyhoon: Improving financial health with an AI-human hybrid financial advisor](https://vacuumlabs.com/case-study/moneyhoon/): Moneyhoon leverages data, AI and human expertise to help people improve their financial health
- [AdaLite: Developing a lightweight-browser wallet for Cardano investors](https://vacuumlabs.com/case-study/adalite/): AdaLite is a secure, lightweight wallet developed to address the performance limitations of the official Daedalus wallet. Our team reverse-engineered the cryptography from the Haskell implementation and ported it to a JavaScript app, making AdaLite significantly faster and leading to direct collaborations with Cardano and EMURGO.
- [Advance Intelligence: Less than 12 months to build a new full-service bank that is a match for industry leaders](https://vacuumlabs.com/case-study/advance-intelligence/): Advance Intelligence Group, a leading financial group focusing on BNPL, consumer financing and AI-powered products and services in Asia and Vacuumlabs expand access to banking with a new full service bank
- [Twisto: Refining an embedded finance app with streamlined customer registration](https://vacuumlabs.com/case-study/twisto/): Twisto is delivering a simple and fair daily financing solution to retail customers in the CEE region. The application allows one-click online purchases with the option to postpone the settlement. The application is not connected to any bank account, which makes the process more secure. Its cutting-edge risk engine Nikita is leveraging non-traditional data sources and machine learning for credit assessment, analyzing over 400 data points per transaction in milliseconds. Twisto is currently active in the Czech Republic and Poland. As of 2022, they have 1.6 million users and have partnered with over 4000 e-shops in the Czech Republic and Poland.
- [Trade Ledger: Launching a lending app for businesses to asses risk in real-time](https://vacuumlabs.com/case-study/trade-ledger/): Trade Ledger achieve remarkable growth with Vacuumlabs as their augmentation partner
- [Cledara: Building an all-in-one SaaS purchasing and management platform in 7 weeks](https://vacuumlabs.com/case-study/cledara/): Cledara is an all-in-one SaaS purchasing and management platform, which lets you issue virtual cards instantly to use for SaaS subscriptions. You setup permissions, rules and limits to be fully in control and receive cashback rewards as you spend. We helped the founding team launch in just 7 weeks and have been developing since. While we built the tech, the founding team focused on customer acquisition, growth and fundraising. Cledara won SaaS startup of the year  immediately after launch and one year later raised nearly 1 million euros from Anthemis/BBVA and Techstars.
- [Doconomy: Allowing brands and individuals to reduce the climate impact with a calculator](https://vacuumlabs.com/case-study/doconomy/): A global concern needs a global technical solution
- [Kiwi: Boosting the flight ticket booking process through a great user experience](https://vacuumlabs.com/case-study/kiwi/): Kiwi.com is an online search engine allowing users to combine transportation options from non-cooperating carriers. It is powered by its proprietary algorithm (Virtual Interlining) that allows users to combine flights and ground transportation from over 750 carriers.
- [Yoroi: Creating a simple and secure crypto wallet with 170k+ downloads](https://vacuumlabs.com/case-study/yoroi/): Yoroi app downloads
- [SKPAY: Launching a prepaid card wallet for both mobile and web in less than six months](https://vacuumlabs.com/case-study/skpay/): Vacuumlabs helped to launch a prepaid contactless card that allows customers to pay by cash and get cash from an ATM. The card and digital wallet are particularly useful for the underbanked in the market as no bank account is required to use SKPay. They can be requested directly via the app or given out by employers to their teams as a method of paying out wages or tracking expenses.
- [Innovatrics: Reducing fraud through biometrics and a great automated fingerprint identification](https://vacuumlabs.com/case-study/innovatrics/): Innovatrics is an independent, trusted partner for biometric technologies built for identity management. They empower organizations around the world to integrate or build powerful identification solutions based on biometric technologies, including facial recognition and the fastest automated fingerprint identification system in the world.
- [Cybertonica: Improving the e/m-commerce experience with secure risk-based authentication](https://vacuumlabs.com/case-study/cybertonica/): London-based Cybertonica services merchants and platforms to prevent fraud and creates robust risk scores that can be leveraged to grow the zone of trust for payers and payment systems worldwide. It enhances the e/m-commerce purchasing experience boosting sales, customer satisfaction and long term loyalty. Customers also feel that they are 100% safe online, and they churn less, adding more to baskets.
- [BDSWISS: Enabling more than 9.6 million transactions via web and mobile app](https://vacuumlabs.com/case-study/bdswiss/): BDSwiss is one of Europe’s leading financial institutions and the first choice for online traders. They provide online trading services to over 900.000 international clients trading over 250 underlying assets including CFD’s, Forex, equities, and Crypto. BDSwiss lets their clients trade on multiple financial markets using a single account. They’re paving the way and simplifying the entire process from onboarding to real trading. 
- [Stock Twits: Improving the experience and security for 1.3+ million investors and traders](https://vacuumlabs.com/case-study/stocktwits/): StockTwits is a social media platform designed for sharing ideas between investors, traders, and entrepreneurs. It was listed as the Top 50 Innovative websites by Time Magazine & Fast Company.

## Insights
- [How to Choose a Digital Transformation Partner for Banking](https://vacuumlabs.com/articles/digital-transformation-partner-banking/): Most "digital transformation" content covers change-management theory or a vendor-neutral RFP checklist. This guide shows banks how to vet a partner who also has to build the thing, using a practical framework focused on delivery capability.
- [How AI Is Changing What Wealth Advisors Actually Do All Day](https://vacuumlabs.com/articles/ai-wealth-management-advisors/): Explore how AI is changing the day-to-day work of wealth advisors by reducing administrative tasks, improving preparation and supporting training. And an honest look at the risks and limitations of AI
- [Should Banks Build or Partner for Cryptocurrency and Blockchain Services?](https://vacuumlabs.com/articles/banks-crypto-blockchain-build-or-partner/): This isn’t another hype piece about the future of banking. In this short guide, we take a real look at what can help your CTO decide what to actually build or buy this year in the realm of onchain finance.
- [How to Evaluate a Build Partner for Wealth Management Platform Development](https://vacuumlabs.com/articles/how-to-evaluate-a-build-partner-for-wealth-management-platform-development/): The real risk in wealth management products lies with integration, client data migration, and advisor adoption. Here's a framework for evaluating a development partner on those crucial points.
- [Best Companies to Build a Neobank With (2026): How to Evaluate Them](https://vacuumlabs.com/articles/best-company-build-neobank/): Most "best neobank companies" articles rank platforms and agencies side by side as if they solve the same problem. They don't. Here's how to actually evaluate who should build your neobank and what separates a delivery partner from a basic vendor.
- [Core Banking Modernisation Vendor Selection: Reducing Operational Risk in a Legacy Transformation](https://vacuumlabs.com/articles/core-banking-modernisation-vendor/): Most core banking modernisation guides either rank platform vendors or list generic "things to consider." Neither addresses the actual operational risk during the transition itself. Here's a framework for evaluating a modernisation vendor on risk-reduction capability.
- [What Is Core Banking? Definition, System, Software, and Services Explained](https://vacuumlabs.com/articles/what-is-core-banking/): Core banking is the centralised system behind every deposit, loan, and payment a bank processes. Here's how it actually works, what "core banking solutions" really means, and how banks choose or migrate to a modern platform.
- [EU Payment Regulation Is Becoming an Engineering Problem for Banks](https://vacuumlabs.com/articles/eu-payment-regulation-banks/): An overview of Europe's payment regulations for banking leaders and the technology challenge hidden in plain sight.
- [What is KYC in Banking? A Complete Guide for 2026](https://vacuumlabs.com/articles/what-is-kyc-in-banking/): What is KYC in banking, and why is it so important in 2026? This guide explains how KYC works and why banks should pay attention to it.
- [Hitting the Infrastructure Ceiling: Why Fast-Growing Lenders Can’t Afford to Wait](https://vacuumlabs.com/articles/core-banking-modernization-specialist-lenders/): Interest in alternative and specialist lending is growing fast. Will you be able to break through the growing pains to meet your customers?
- [How to Tell If a Delivery Partner Is AI-Native or Just AI-Assisted](https://vacuumlabs.com/articles/ai-native-vs-assisted/): Not all 'AI-native' claims are equal. This article shows you how to separate real delivery transformation from a well-marketed developer tool.
- [What Many Banks Get Wrong About Architecture Before Modernising](https://vacuumlabs.com/articles/what-banks-get-wrong/): Before you shortlist vendors, four core banking architecture decisions determine whether your transformation succeeds or stalls.
- [How to Choose a Core Banking Implementation Partner: The Questions That Actually Matter](https://vacuumlabs.com/articles/how-to-choose-core-banking-implementation-partner/): Choosing the wrong core banking implementation partner is the most common reason transformation programmes fail. Here is how to evaluate partners beyond certifications and case studies — for both greenfield bank builders and legacy modernisation programmes.
- [Anatomy of an AI-Ready Wealth App](https://vacuumlabs.com/articles/wealth-management-app-ai-tech-stack/): The wealth transfer to younger generations is already underway, and most wealth apps weren't built for what comes next. Here's what an AI-ready architecture actually looks like, and where the real decisions get made.
- [How KYC Automation Helps Banks and Fintechs Eliminate Manual Compliance Friction](https://vacuumlabs.com/articles/kyc-automation-protocol/): The compliance cost of manual KYC is measurable in fines, in onboarding drop-off, and in analyst hours. This guide covers how automation addresses each part of the problem.
- [Modular Scaling Assessments: How Fast Can A Core Handle 10M+ Users?](https://vacuumlabs.com/articles/modular-scaling-index-core-banking/): Scaling from 100K to 10M users doesn't break systems. Bad architecture does. Here's how to find the cracks before your users do.
- [Before You Hire Developers, Are You Asking the Right Questions?](https://vacuumlabs.com/articles/fintech-external-partner/): Ask honest questions with your team. You may find it’s better to go hybrid or build in-house after all, but if things go wrong - you can say you’ve done your due diligence
- [The Architecture of a Fast Launch](https://vacuumlabs.com/articles/fast-launch-bank/): The earliest architectural decisions around what to build versus buy are what separate digital banks that launch cleanly from those that burn through their runway before going live.
- [Three Hard-Won Lessons From Building Digital Banks](https://vacuumlabs.com/articles/3-lessons-launching-bank/): Launching a regulated digital bank in 18 months is achievable through ruthless prioritisation, honest build-versus-buy decisions, and treating compliance as a continuous discipline rather than a sequential gate.
- [When Your Bank Starts Thinking for You: The Real Challenge of Fintech LLMs](https://vacuumlabs.com/articles/fintech-llm/): Implementing an llm in fintech is no longer just an idea. Explore how to de-risk innovation by building secure digital bridges between legacy cores and modern AI.
- [Why Banks Started Buying, Not Building Core Systems](https://vacuumlabs.com/articles/buying-or-building-core-system/): Did you ever wonder why every bank runs on their legacy core or switches to a modern CBS platform? Let's dive into why no one is building their own core from scratch
- [Examples of the Best Gamification in Apps for User Engagement](https://vacuumlabs.com/articles/gamification-apps-examples/): Apps that people return to again and again often share one thing. Learn how a gamification application can change the experience.
- [What Is Embedded Finance? What to Know Before Implementation](https://vacuumlabs.com/articles/what-is-embedded-finance/): The number of embedded finance use cases is growing fast. Knowing what embedded finance is and how it can benefit your business can transform the way you build.
- [Proof of Concept: How Banks De-Risk Innovation Before Going All In](https://vacuumlabs.com/articles/what-is-proof-of-concept/): Thinking about launching a new product? Don’t build the full thing just yet. A well-structured Proof of Concept (PoC) can save you months of work.
- [What Is an MVP? A Complete Guide to Minimum Viable Products](https://vacuumlabs.com/articles/what-is-mvp-software-development/): When you hear MVP, your mind probably goes to star athletes. But in business, the real MVP is your smartest first move. Learn what is MVP and what role it plays in launching products that win.
- [Blueprint to Bank in the Real World](https://vacuumlabs.com/articles/blueprint-to-bank-in-the-real-world/): In this live session, you’ll hear how Vacuumlabs partnered with Afin Bank to design, build, and launch a next-generation banking platform, building from the first architectural sketch to full regulatory approval.
- [Top 10 Banking Industry Trends in 2026](https://vacuumlabs.com/articles/curcurent-trends-in-banking-industry/): It’s that time of year when we take a closer look at the current trends in the banking industry and how they’re set to shape 2026. Shall we?
- [Automation in Banking and Its Technologies, Benefits, and Use Cases](https://vacuumlabs.com/articles/automation-in-banking/): 29% of European banks reported that their biggest technology investment in 2025 was in AI automation in banking. Discover why.
- [Why Banking Systems Get Hit by Fraud and What’s Behind It](https://vacuumlabs.com/articles/why-do-frauds-happen/): Fraud activity can grow in the background while everything appears normal. Knowing why frauds happen is the first step in making sure it doesn't happen.
- [What Is Digital Lending? An Overview Of The Platforms and Concepts](https://vacuumlabs.com/articles/what-is-digital-lending/): What if lending didn’t take days or tons of paperwork? Find out how digital lending is changing the game.
- [How Does Machine Learning Work?](https://vacuumlabs.com/articles/how-does-machine-learning-work/): How machine learning works is changing how decisions are made, how products are built, and how problems get solved. But what’s really going on behind the whole process?
- [How Artificial Intelligence Is Transforming Banking with Real Examples](https://vacuumlabs.com/articles/examples-ai-banking/): The rise of AI in banking examples has caused rapid changes in the financial services industry. Learn about benefits, real examples, and challenges in different banking sectors.
- [Regulating Artificial Intelligence: Navigating Risk, Innovation, and Compliance](https://vacuumlabs.com/articles/regulating-artificial-intelligence/): The EU AI Act is shaping how companies build and deploy artificial intelligence across the EU and beyond. This article explains what the new rules mean, how they compare globally, and what fintechs and developers need to do to stay compliant.
- [Fraud Data Analysis: Why It’s Critical for Modern Banking](https://vacuumlabs.com/articles/fraud-data-analysis/): Fraudsters move fast. But with data analysis techniques for fraud detection, banks can move faster. Learn how to spot patterns and stop threats in real time.
- [How to Launch an App Successfully with Our Step-by-Step Guide](https://vacuumlabs.com/articles/how-to-launch-an-app/): You’ve got an idea, and what now? Here’s how you launch an app, from planning and testing to post-launch growth.
- [Improve Customer Engagement in Banking With CRM and AI Tools](https://vacuumlabs.com/articles/customer-relationship-management-banking/): Customer relationship management in banking means knowing your customer across every touchpoint. In this guide, we break down how CRM makes it possible.
- [Artificial Intelligence and Cybersecurity: Exploring the Impact on Banking](https://vacuumlabs.com/articles/artificial-intelligence-and-cybersecurity/): Attackers are getting faster, trickier, and smarter. But with AI-powered cybersecurity, so are your defenses.
- [Fraud Detection In Banking: Everything You Need to Know](https://vacuumlabs.com/articles/fraud-detection-banking/): The fraud problem is massive, but so is the opportunity. With smarter systems, adaptive AI, and biometric security, banks can turn the tide and protect both customers and reputation.
- [Cloud Optimization in Banking: Why It’s Mission-Critical Today](https://vacuumlabs.com/articles/cloud-optimization-banking/): Financial services run on the cloud. Optimizing it lowers cost, improves performance, and strengthens compliance. Here is how it works and why it matters in banking.
- [Why Mobile Banking Application Development Needs To Be Perfect](https://vacuumlabs.com/articles/mobile-banking-app-development/): The next wave of mobile banking won’t be about adding “more features.” It’ll be about removing every excuse customers have to open another app.
- [Client AI Q&A by Vacuumlabs (Vol.1)](https://vacuumlabs.com/articles/client-ai-qna/): In banking, the adoption of AI is accelerating, but what happens if you misstep? It can lead to millions in fines, lost trust, and operational chaos.
- [What Is AI Automation? Moving Beyond Buzzwords ](https://vacuumlabs.com/articles/what-is-ai-automation/): What is AI automation, and why is it one of the best ways to increase efficiency, reduce costs, and cut down on mistakes? That’s exactly what we’ll unpack in this article.
- [What Is an End-to-End Solution? A Straightforward Breakdown](https://vacuumlabs.com/articles/what-is-end-to-end-solution/): Discover what an end-to-end solution is, explore its benefits, and see real-world examples of how it streamlines business processes.
- [Modernizing the Banking Ledger: Powering Smarter Core Banking](https://vacuumlabs.com/articles/banking-ledger/): Upgrade the ledger, upgrade the bank. Modern banking ledgers deliver real-time insight, rapid product launches, and audit-ready compliance.
- [How Banking Apps Took Over And What’s Next](https://vacuumlabs.com/articles/banking-application/): Banking apps have redefined how we manage money: fast, secure, and always on. Here's what makes them work, who's using them, and where they're headed next.
- [Blockchain Scalability: Challenges, Solutions & Future Outlook](https://vacuumlabs.com/articles/blockchain-scalability/): Discover what blockchain scalability means, its challenges, and the solutions shaping the future of decentralized networks.
- [Thought Machine Vault Core: How It Works and How It Compares](https://vacuumlabs.com/articles/vault-core-banking/): Banks today face a crossroads: stick with legacy all-in-one systems that slow innovation, or embrace modular, real-time architectures built for agility. Let’s compare both worlds and how modern cores like Vault Core enable faster product launches, developer autonomy, and scalability.
- [Future CX: 7 Trends Shaping The Digital Customer Experience In Banking](https://vacuumlabs.com/articles/customer-experience-in-banking/): Across every stage of the banking journey, the pressure to deliver fast, intuitive experiences is growing. Understanding the customer experience in banking and how digital trends are reshaping the landscape is essential for any bank looking to stay relevant and competitive.
- [Feature Driven Development: How AI Is Elevating This Classic Agile Method](https://vacuumlabs.com/articles/feature-driven-development-method/): The driving principle of Feature Driven Development is simple: Break down a large project into bite-sized, client-valued elements. Finish each element quickly. Show working software often.
- [Robo-Advisors: Your Guide to How They Work](https://vacuumlabs.com/articles/robo-advisors/): Investing can get complicated quickly with so much research, monitoring of markets, and having to manage a portfolio. And that's where a robo advisor comes to help.

## Press & Media
- [Vacuumlabs Announces Strategic Integration Partnership with Alpaca, Cutting Time-to-Market for Investment Products](https://vacuumlabs.com/press/vacuumlabs-alpaca-partnership/): Vacuumlabs, a global fintech development partner, is expanding its offering through a partnership with Alpaca, a global leader in agent-first brokerage infrastructure. Wealth managers and fintechs can now launch trading and investment products faster, with more simplicity and an assurance of quality. Additionally, Vacuumlabs is officially Alpaca’s first integration partner in the EU, filling a much needed gap in the market. 
- [Vacuumlabs and SaaScada Partner to Deliver End-to-End Core Banking Transformation](https://vacuumlabs.com/press/vacuumlabs-saascada-partnership/): Vacuumlabs is expanding its offering through a strategic partnership with SaaScada, the 5th Generation cloud-native core banking platform. With this partnership, Vacuumlabs helps banks and fintechs launch and modernise core-led products faster, with significantly less delivery risk.
- [Vacuumlabs Helps Afin Bank Create A New Digital Bank for Africans in the UK](https://vacuumlabs.com/press/vacuumlabs-afin-bank/): Fintech platform developer, Vacuumlabs, is working with Afin Bank to build a new digital bank to provide financial services including mortgages and savings to Africans living and working in the UK.
- [Tomas Masek Assumes Role as Vacuumlabs’ New CEO](https://vacuumlabs.com/press/tomas-masek-assumes-role-as-vacuumlabs-new-ceo/): Tomas Masek brings a wealth of experience in strategic leadership and technical expertise to his new role at Vacuumlabs
- [Ftáčnik končí ako CEO Vacuumlabs. Chce sa sústrediť na obchodné aktivity vo firme](https://vacuumlabs.com/press/https-www-forbes-sk-ftacnik-konci-ako-ceo-vacuumlabs-chce-sa-sustredit-na-obchodne-aktivity-vo-firme/): Matej Ftáčnik končí po dvoch rokoch na pozícii CEO Vacuumlabs, avšak z firmy neodchádza. Ako potvrdil pre Forbes, chce podporiť jej kľúčové aktivity z pozície šéfa obchodu.
- [Miro Skovajsa Steps in as Interim CEO of Vacuumlabs](https://vacuumlabs.com/press/miro-skovajsa-steps-in-as-interim-ceo-of-vacuumlabs/): From June 2023 Miro Skovajsa will be the interim CEO of Vacuumlabs while Matej Ftacnik refocuses his efforts in leading the companies new Sales efforts.
- [Slováci majú mindset na budovanie startupov, ale chýba im vhodné prostredie, hovorí Matej Ftáčnik](https://vacuumlabs.com/press/https-www-forbes-sk-slovaci-maju-mindset-na-budovanie-startupov-ale-chyba-im-vhodne-prostredie-hovori-ftacnik-z-30-pod-30/): Matej Ftáčnik, aktuálne CEO Vacuumlabs, sa do rebríčka Forbes 30 pod 30 dostal v roku 2014, keď vybudoval komunitný priestor The Spot.
- [Vacuumlabs Expands its Partnership with Thought Machine by Offering an Enhanced Suite of Services to Complement Their Core Banking Technology](https://vacuumlabs.com/press/vacuumlabs-expands-its-partnership-with-thought-machine/): Vacuumlabs, a digital product development firm that provides engineering, design, product development, and data science services for the fintech industry, has announced today the launch of several new propositions to complement Thought Machine's cloud-native core banking technology, Vault Core.
- [Politici nám po vražde na Zámockej nepomáhajú, ale stupňujú útoky, hovorí riaditeľ 30-miliónovej firmy Matej Ftáčnik](https://vacuumlabs.com/press/https-e-dennikn-sk-3252043-politici-nam-po-vrazde-na-zamockej-nepomahaju-ale-stupnuju-utoky-hovori-riaditel-30-milionovej-firmy-matej-ftacnik/): Firma napriek ťažkým časom expanduje, no ako queer človek sa nevie zmieriť s tým, že ani minuloročná vražda dvoch nevinných ľudí nevytvorila tolerantnejšie Slovensko.
- [Barbora Demová robila pre Louis Vuitton a Toma Forda: Až po návrate domov som našla rovnováhu medzi prácou a súkromím](https://vacuumlabs.com/press/https-disrupter-refresher-sk-123116-barbora-demova-robila-pre-louis-vuitton-a-toma-forda-az-po-navrate-domov-som-nasla-rovnovahu-medzi-pracou-a-sukromim-rozhovor/): Barbora Demová žila roky v zahraničí, kde pracovala pre svetové módne značky. Počas pandémie sa vrátila domov a stala sa zástankyňou toho, aby sa ľudia vrátili na Slovensko.
- [Z velké garážovky se Vacuumlabs přesouvají do vyšší ligy. Značný potenciál vidí v kryptoprojektech](https://vacuumlabs.com/press/https-cc-cz-z-velke-garazovky-se-vacuumlabs-presouva-do-vyssi-ligy-znacny-potencial-vidi-v-kryptoprojektech/): Na úspěchu globálních projektů od San Franciska po Tokio se v původem slovenské firmě podílejí také Češi z poboček v Brně a Praze.
- [Máme 10 let zkušeností a jsme připraveni na další světové výzvy, říká šéf brněnského Vacuumlabs, Pavel Teichman](https://vacuumlabs.com/press/https-fintree-cz-fintech-vacuumlabs-pavel-teichman/): Slovenský software house Vacuumlabs je dnes už globálním vývojářem fintech produktů. Stojí za velkým množstvím projektů, které se podílí na společenském rozvoji a ovlivňují budoucnost fintech, bankovních a krypto trhů.
- [Slovensko je pozadu. Ako krajina sa ochudobňujeme o šikovných ľudí, musíme zabrať pri podpore startupov, tvrdí Matej Ftáčnik](https://vacuumlabs.com/press/https-www-startitup-sk-ako-krajina-sa-ochudobnujeme-o-sikovnych-ludi-ftacnik-rozhovor/): Stojí na čele firmy s vyše 400 developermi, dátovými analytikmi a produktovými dizajnérmi, ktorá svojimi projektami chce zmeniť svet k lepšiemu.
- [Ako pritiahnuť talenty späť na Slovensko? Tu sú tipy šéfa vývojárskej firmy Vacuumlabs](https://vacuumlabs.com/press/https-www-forbes-sk-ako-pritiahnut-talenty-spat-na-slovensko-tu-su-tipy-sefa-vyvojarskej-firmy-vacuumlabs/): Matej Ftáčnik, ktorý sa začiatkom mája minulého roka stal CEO slovenskej vývojárskej firmy Vacuumlabs, ju pod svojim vedením plánoval zväčšiť, potiahnuť na nové trhy a okrem fintechového prostredia rásť aj v ďalších oblastiach. Pre Forbes.sk spísal niekoľko tipov, ako na to.
- [Slovenský startup sa dostal do spoločnosti gigantov ako je Revolut, N26 alebo Curve. Pracuje preň už vyše 300 ľudí](https://vacuumlabs.com/press/slovensky-startup-sa-dostal-do-spolocnosti-gigantov-ako-je-revolut-n26-alebo-curve-pracuje-pren-uz-vyse-300-ludi/): Nemusíš mať detailný prehlad o finančnom sektore, no mená ako Revolut, N26, Monese alebo Curve si už, pravdepodobne, počul. Všetko sú to mimoriadne úspešné fintech startupy, ktoré sa v...
- [Fintech Hub Slovensko ponúka unikátne testovacie prostredie pre začínajúce digitálne firmy](https://vacuumlabs.com/press/fintech-hub-slovensko-ponuka-unikatne-testovacie-prostredie-pre-zacinajuce-digitalne-firmy/): Slovenský Fintech Hub oslavuje rok od svojho vzniku a pre začínajúce firmy v oblasti finančných a digitálnych technológií má novinku. Prístup do unikátneho Agregovaného Testovacieho Prostredia (ATE), v ktorom budú mať členovia Fintech Hubu možnosť testovania svojich finančných inovácií v úplne reálnom prostredí a v súlade s aktuálnou legislatívou.
- [Na EXPO Dubaj 2021 vystúpia aj predstavitelia slovenského fintechu](https://vacuumlabs.com/press/na-expo-dubaj-2021-vystupia-aj-predstavitelia-slovenskeho-fintechu/): Prvý FinTech Hub so sídlom v Bratislave založila Slovenská FinTech asociácia v spolupráci s inovatívnymi spoločnosťami Mastercard a Vacuumlabs. Tvorcovia sa pri tvorbe platformy inšpirovali úspešnými sandbox regulátormi, ktoré fungujú a prosperujú v krajinách od Veľkej Británie po Singapur.
- [CEO Vacuumlabsu Matej Ftáčnik: Zo Slovenska môžeme exportovať do sveta schopnosť robiť dobré bankové služby](https://vacuumlabs.com/press/https-disrupter-refresher-sk-106564-ceo-vacuumlabsu-matej-ftacnik-zo-slovenska-mozeme-exportovat-do-sveta-schopnost-robit-dobre-bankove-sluzby/): Matej Ftáčnik stojí na čele spoločnosti Vacuumlabs, ktorej fintechové riešenia prerazili na celom svete. Ako sám hovorí, podnikanie je pre neho spôsob, akým človek dokáže zlepšovať veci okolo seba a posúvať spoločnosť dopredu.
- [Slovenka pracovala pre Toma Forda i Valentino: Na úspech treba ctižiadostivosť aj štipku naivity](https://vacuumlabs.com/press/slovenka-pracovala-pre-toma-forda-i-valentino-na-uspech-treba-ctiziadostivost-aj-stipku-naivity/): Na svojom konte má dlhý zoznam exkluzívnych pracovných skúseností a spoluprác. Barbora Demová je 29-ročná rodáčka z Bratislavy, ktorá niekoľko rokov pracovala pre luxusné módne ...
- [The Secrets of Building a Successful Online Bank: A Podcast by the People Who’ve Already Done it](https://vacuumlabs.com/press/the-secrets-of-building-a-successful-online-bank-a-podcast-by-the-people-whove-already-done-it/): Mox has extraordinary success as an online bank. Led by CEO Deniz Güven, the smartphone app has taken Hong Kong by storm, snatching up more than 100,000 customers within its first...
- [Slovakia Launches CEE’s First Fintech Hub to Promote Innovation Among Start-ups and Scale-ups](https://vacuumlabs.com/press/slovakia-launches-cees-first-fintech-hub-to-promote-innovation-among-start-ups-and-scale-ups/): To advocate and nurture the rising levels of innovation that have, in recent years, promoted Slovakia as home to some of the most renowned IT developers in the world, three industry leaders hav...
- [Za srdcovými projektami stoja srdcové spolupráce ](https://vacuumlabs.com/press/za-srdcovymi-projektami-stoja-srdcove-spoluprace/): Okrem bezpečnostnej konferencie GLOBSEC, festivalov Pohoda on the Ground, či detských táborov podporuje aj slovenský festival Atmosféra, ktorý sa bude po deviatykrát konať v auguste neďaleko Hontianskych Nemiec.
- [Svetový rebríček Fintech Power 50 je známy! Slovensko sa do rebríčka dostalo vďaka spoločnosti Vacuumlabs](https://vacuumlabs.com/press/svetovy-rebricek-fintech-power-50-je-znamy-slovensko-sa-do-rebricka-dostalo-vdaka-spolocnosti-vacuumlabs/): Jeho súčasťou je 40 fintech firiem z celého sveta a tiež 10 najlepších svetových influencerov v tejto oblasti. Do tohtoročného zoznamu bolo nominovaných takmer 1000 spoločností; medzi nimi aj slovenská firma Vacuumlabs, ktorá ako jediná zo strednej Európy sa dostala medzi 40 najvplyvnejšími fintechmi. 
- [Pohoda on the Ground: bezpečný vstup na festival vďaka spoločnosti Vacuumlabs](https://vacuumlabs.com/press/pohoda-on-the-ground-bezpecny-vstup-na-festival-vdaka-spolocnosti-vacuumlabs/): Slovenská technologická firma je hrdým partnerom mini-festivalov Pohoda on the Ground. Pomocou svojho projektu, Rýchlotest-Covid, prináša na trenčianske letisko efektívny systém testovania na COVID-19 pre návštevníkov, aj partnerov festivalu. Koncept registrácie testovania, ktorý pre festival vytvorila, spočíva v tom, že negatívny test automaticky zaktívni festivalovú vstupenku.
- [Tohtoročný GLOBSEC prebehol bez Covid incidentu vďaka špeciálne prepojenému testovaniu a riadeniu vstupu](https://vacuumlabs.com/press/tohtorocny-globsec-prebehol-bez-covid-incidentu-vdaka-specialne-prepojenemu-testovaniu-a-riadeniu-vstupu/): Testovacie centrum sa otvorilo 15. júna na nábreží Grand Hotel River Park Bratislava a bolo v prevádzke až do skončenia konferencie 17. júna. Všetci hostia prestížnej konferencie museli bez ohľadu na očkovanie podstúpiť testovanie na mieste.
- [Slovenský Vacuumlabs má nového šéfa a veľké plány. Chce byť jednotkou v oblasti fintechu](https://vacuumlabs.com/press/slovensky-vacuumlabs-ma-noveho-sefa-a-velke-plany-chce-byt-jednotkou-v-oblasti-fintechu/): Matej Ftáčnik, ktorý sa začiatkom mája stal CEO slovenskej vývojárskej firmy Vacuumlabs, ju chce po ťažkom roku výrazne zväčšiť, potiahnuť na nové trhy a okrem finančného priemyslu rá...
- [Doconomy and Vacuumlabs Encourage Climate Protection with a Custom-developed Calculator](https://vacuumlabs.com/press/doconomy-and-vacuumlabs-encourage-climate-protection-with-a-custom-developed-calculator/): Swedish impact-tech startup aims to enable customers to choose between products based on their ecological footprint.
- [Prvý Fintech Hub na Slovensku otvoril svoj program fintechovým inovátorom z celého sveta](https://vacuumlabs.com/press/prvy-fintech-hub-na-slovensku-otvoril-svoj-program-fintechovym-inovatorom-z-celeho-sveta/): Do programu sa už teraz môžu prihlasovať inovátori z celého sveta, avšak podmienkou je uviesť produkt alebo službu na Slovensku alebo na území Vyšehradskej skupiny.
- [Vacuumlabs and Thought Machine Announce Global Strategic Partnership to Transform Banking Worldwide](https://vacuumlabs.com/press/partnership-with-thought-machine/): Vacuumlabs, the global provider of full-stack fintech solutions, today announced a global partnership with Thought Machine, the cloud native core banking technology company, following the two firms’ successful cooperation in Asia.
- [Vacuumlabs Strengthens its Commitment to the Asia Market with a Launch of New Regional Headquarters in Hong Kong](https://vacuumlabs.com/press/vacuumlabs-strengthens-its-commitment-to-the-asia-market-with-a-launch-of-new-regional-headquarters-in-hong-kong/): Vacuumlabs, a trusted global software development partner with a proven track record in successfully delivering full-stack fintech solutions, announces the opening of its new regional headquarters in Hong Kong. Vacuumlabs aims to strengthen its presence in the region and broaden its services to existing and new clients in Asia.
- [Vacuumlabs Partners with Global Processing Services (GPS)— The Award-winning Payments Processor Behind Revolut and Starling Bank](https://vacuumlabs.com/press/vacuumlabs-partners-with-global-processing-services-gps-the-award-winning-payments-processor-behind-revolut-and-starling-bank/): Vacuumlabs, a trusted global software development partner with a proven track record in successfully delivering full-stack fintech solutions, today announces its partnership with GPS, the go-to payments processor enabling many of today’s most high-profile fintech innovators and disruptors, including Revolut, Starling Bank and Curve.

## Whitepapers
- [Where AI Actually Belongs in Banking](https://vacuumlabs.com/whitepapers/ai-banking-use-cases/): A practical guide for senior decision-makers at non-bank specialist lenders who need to scale without the limits of legacy systems
- [Why Fast-Growing Lenders Need 4th Generation Cores](https://vacuumlabs.com/whitepapers/4th-generation-banking-cores/): A practical guide for senior decision-makers at non-bank specialist lenders who need to scale without the limits of legacy systems
- [Banking Transformation & Acceleration in 2026](https://vacuumlabs.com/whitepapers/banking-transformation-acceleration/): A practical guide for decision-makers who need to get it right the first time
- [Keeping Pace With the Digital Generation](https://vacuumlabs.com/whitepapers/keeping-pace-with-digital-generation/): Investing On the Go: A Modern Wealth Management App
- [Modernize With Ease: Your Guide to Core Banking with Thought Machine](https://vacuumlabs.com/whitepapers/modernize-with-ease/): Revolutionizing products with Thought Machine’s Next-gen core banking systems
- [The Future of Mobility Financing with a Car Subscription Application](https://vacuumlabs.com/whitepapers/understanding-car-subscriptions/): A quick guide to providing the latest product in mobility financing
- [Future-Ready Family Banking](https://vacuumlabs.com/whitepapers/future-ready-family-banking/): Building the latest in family banking for new and traditional banks
- [AI in Banking: Your Best Mistake Waiting to Happen](https://vacuumlabs.com/whitepapers/ai-in-banking-your-best-mistake-waiting-to-happen/): AI is transforming banking for the better - learn how to utilize it today
- [How to Build a Digital Bank](https://vacuumlabs.com/whitepapers/how-to-builda-digital-bank/): Your guide to launching a digital bank by the Vacuumlabs team
- [Test Your Banking Resilience: A Checklist to Evaluate Your BaaS](https://vacuumlabs.com/whitepapers/test-your-banking-resilience-a-checklist-to-evaluate-your-baas/): How resilient is your business when it comes to your BaaS vendor?