Jakub Szeszko

Head of Financial Unit

Technology and quality management leader with extensive experience in delivering digital transformation projects for global financial institutions. Passionate about building trust-based partnerships and driving innovation that enhances efficiency, compliance and customer experience.

Written by: Jakub Szeszko

07/07/2026 |
8 min reading

You keep adding new capabilities. The app now lets customers do more than pay a bill — they can also purchase a subscription or use additional services. And yet the number of negative reviews, abandoned journeys, and customer service contacts keeps rising. In an era of neobanks, rapid product iteration, and AI models that can recognize customer behaviors, banks face a seemingly difficult choice: accelerate development or get the basics in order first. In this article, we show that the real issue is not choosing between growth and strengthening the fundamentals, but getting the sequence of actions right.

Jakub Szeszko
27/05/2026 |
10 min reading

Launching a banking app in another market is not just a matter of adding a new language version. In financial services, localization — adapting a product to the realities of a specific market — has a direct impact on how easy the service is to understand, how secure users feel, and how effective the mobile channel is. In this article, we explain why designing multilingual apps requires a broader approach: from content and interface layout, to local data formats and RTL support, to process testing and AI-supported message quality control.

Jakub Szeszko
19/05/2026 |
7 min reading

Banks invest in security, regulatory compliance, and trust-based communication, but for customers, the decisive test happens in the app: when they make a transfer, authorize a transaction, respond to an alert, or encounter an error. In these brief moments, users assess whether they understand what is happening and know what to do next. That is why UX in mobile banking should be analyzed not only in terms of ease of use, but also in terms of whether the app gives customers a sense of control. Below, we show where trust gaps most often emerge and how to design critical journeys so they reduce uncertainty rather than amplify it.

Jakub Szeszko
08/05/2026 |
8 min reading

Digital onboarding has become one of the most important moments in the customer-bank relationship. In GCC markets, where digital financial channels are already part of everyday life, and in Saudi Arabia alone non-cash payments accounted for 79% of retail transactions in 2024¹, the mobile app is increasingly the first place where customers experience a bank’s brand. In this environment, onboarding is no longer just a formal step in opening an account. It is the first real test of how simple, trustworthy, and well-designed the customer experience feels from the start.

Jakub Szeszko
30/04/2026 |
6 min reading

In banks and leasing companies, the ROI of credit process digitization often runs into hidden costs. When those costs exceed the implementation itself, ignoring them becomes a material oversight. Drawing on industry insights, we explain why the most expensive stage of origination is not scoring or e-signature, but fragmented handoffs between teams. This article shows how leaders at top institutions are starting to measure these “invisible” costs and recover margins.

Jakub Szeszko
28/04/2026 |
6 min reading

Most banking apps have already reached a high level of maturity. They support dozens of processes, run reliably, and are available whenever customers need them. And yet users still don’t feel that they are truly simple, intuitive, and predictable. This is not a technology issue, but a design one. Too often, apps reflect the bank’s internal logic instead of supporting how customers actually think and act.

Jakub Szeszko
21/04/2026 |
7 min reading

In mobile banking, application development is often shaped by two strong forces: competitive pressure and the pace of technological change. These factors naturally influence priorities and attract organizational attention, but they should not determine the starting point. From the customer’s perspective, a mobile app is not a showcase of technology. It is a tool meant to help them complete a specific task quickly and conveniently. That is why any discussion about mobile banking development should begin not with technology itself, but with the kind of experience customers actually expect.

Jakub Szeszko
21/10/2025 |
8 min reading

As early as 2022, research showed that as many as 63% of customers abandoned the digital account opening process before completing the form¹. Three years later, despite significant investments in biometrics and KYC automation, the situation remains alarming. According to The Financial Brand (2025), more than half of mobile applications end in user abandonment, and every second financial institution admits to experiencing drop-offs in its digital channels². So why do banks, despite advanced technologies and massive investments in digital transformation, still lose customers right at the start? And what are the most common mistakes in mobile onboarding that keep repeating?

Aleksandra Strelczuk
16/09/2024 |
7 min reading

In today’s fast-paced digital economy, businesses can no longer afford to react to problems after they’ve already impacted performance. That’s where Business Activity Monitoring (BAM) steps in — giving organisations the tools to monitor operations in real time, spot inefficiencies, and optimise processes before they escalate into costly disruptions. By aligning technical insights with business goals, BAM transforms raw data into actionable intelligence that drives smarter decisions and continuous improvement across every level of the enterprise.

Jakub Szeszko