All posts by Anatoli Shevtsov
ISO 20022 Explained: Why Payments Product Managers Should Care
ISO 20022 is a global messaging standard for financial services — a common language for payments systems to communicate with each other. It is replacing the legacy SWIFT MT message format and is being adopted across CHAPS, SEPA, Fedwire, CHIPS and other major payment rails worldwide. For payments product managers, it is one of the…
What Is Payment Orchestration? Definition, Benefits, and Examples
Payment orchestration is the layer that sits between your checkout and your payment processors — routing transactions intelligently, retrying failed payments, and giving you a single integration point to manage multiple acquirers, gateways and fraud tools. It has become one of the most important infrastructure decisions for any eCommerce business processing significant volume. Why Payment…
What Is Open Banking? A Payments Product Manager’s Guide
Open banking is the regulatory and technical framework that requires banks to share customer financial data — with the customer’s consent — with third-party providers via standardised APIs. It is the foundation of a new generation of payment products, from account-to-account payments that bypass card networks to personal finance tools that aggregate data across multiple…
What Is a Risk Decisioning Platform? Workflow, AI, and Design Principles
Design principles for AI risk decisioning platforms in financial workflows, with emphasis on transparency, auditability, workflow control, and human review.
A2A Payments and the Challenge of Replacing Cards
A2A payments are gaining momentum, but replacing cards requires more than lower costs. Trust, protection, rewards, habits, and infrastructure still matter.
Fraud Declines vs. No-Fraud Declines
Fraud declines vs. no-fraud declines: why false declines quietly cost merchants revenue and how better risk decisions protect legitimate customers.
What Is VAMP?
A practical explanation of Visa Acquirer Monitoring Program, how VAMP thresholds work, and why merchants and acquirers need stronger dispute monitoring.
Supervised vs. Unsupervised Anomaly Detection in Fintech
Supervised vs. unsupervised anomaly detection in fintech: how each method works, where it fits, and how payment teams use both for risk monitoring.
Why do companies need both product managers and product owners?
Many companies hire both product managers (PMs) and product owners (POs), and many people use the two titles as if they meant the same thing. They overlap, but they are not the same job. The product manager owns why and what: the problem, the strategy and the outcomes. The product owner owns how the backlog…
Payment Processing Fees in 2026: Who Gets Paid and How Much
A practical breakdown of payment processing fees, interchange, assessments, processor markup, and who earns money on each card transaction.