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On the lighter side of things , we ask the industry experts what makes them tick . . . .

As the Chief Technology Officer at Wio Bank PJSC , Terentyev spearheads technological innovations , driving the organisation ’ s platform banking model . Wio Bank differentiates itself with digital banking apps , embedded finance solutions , and BaaS capabilities , focusing on delivering seamless , customer-centric banking experiences across the Middle East .

What are your strengths and abilities that you bring to the above role ?

Terentyev ’ s strengths lie in his strategic vision and deep understanding of emerging technologies . His ability to collaborate across teams fosters a culture of innovation and excellence , ensuring that Wio Bank remains at the forefront of digital banking advancements and delivers superior customer experiences . branches . Additionally , businesses seek robust banking solutions that can be easily embedded into their own applications , reducing the friction of managing multiple platforms .

Wio Bank addresses these pain points by prioritising agile technology solutions . The bank ’ s digital banking apps provide intuitive navigation and streamline financial transactions . Embedded finance solutions integrate banking services directly into thirdparty applications , allowing users to access banking functionalities without switching platforms .

The BaaS capabilities extend these services further , making banking more accessible and flexible . By leveraging artificial intelligence , machine learning , and blockchain technologies , Wio Bank enhances

Please describe the expectations of the end customers that you address . What are their pain points today ?

End customers of Wio Bank expect seamless digital experiences and personalised financial solutions . Their primary pain points include cumbersome banking processes , limited access to diverse financial products , and a lack of integration across different platforms .

Customers demand convenience , transparency , and the ability to conduct banking activities efficiently without the need to visit physical

Wio Bank addresses these pain points by prioritising agile technology solutions .

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