@wislacode

Fintech integration engineering for banks and B2B platforms. Payments, lending, KYC and AML, open banking - built into your stack, not around it.

 Warsaw, Poland
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Joined May 2025
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ISO 20022 structured addresses: what becomes mandatory in November 2026 wislacode.com/blog/iso-20022…

ISO 20022 structured addresses: the November 2026 rules - WislaCode

Swift and the EPC have delayed the end of unstructured addresses. What ISO 20022 structured addresses require, and what to build before the new date.

wislacode.com
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Who carries the loss when an agent buys the wrong thing wislacode.com/blog/who-pays-…

Agentic payments: who carries the loss on a disputed buy - WislaCode

The card rules now define the payment agent and demand cardholder verification, then stop before the loss. What that leaves sitting on a bank's dispute desk.

wislacode.com
Two banks ask for the same mobile MVP and need different products. A transactional bank wants fast onboarding and a card in hand. A lending bank wants origination, and its MVP can ship with no repayment at all. Repayment is built after the scoring has run on real cohorts.
CCD2 requirements: what lenders must change before 20 November 2026 wislacode.com/blog/ccd2-requ…

CCD2 requirements for lenders before 20 November 2026 - WislaCode

CCD2 applies from 20 November 2026. Scope, the standard form, Article 18 creditworthiness rules and the Polish transposition gap, read for a build plan.

wislacode.com
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We moved an SME internet bank across in pieces. For a while half the screens ran on new middleware and half redirected to the old interface. We expected complaints. Customers asked when the next function would move. The bank improved throughout instead of freezing for a year.
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Digital payments systems: how they work wislacode.com/blog/digital-p…

Digital payments systems: how they work - WislaCode

Authorisation, clearing and settlement explained, with the European rails, the interchange caps, the SCA thresholds and the fraud numbers that shape them.

wislacode.com
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Investment bank development: how to start and scale wislacode.com/blog/investmen…

Investment bank development: how to start and scale - WislaCode

The EU sequence for building an investment firm: authorisation routes, the capital that actually binds, the stack, and the path from advisory to full service.

wislacode.com
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Why banks kill good recommendations, and what survives wislacode.com/blog/why-banks…

Why banks kill good recommendations, and what survives - WislaCode

A view from both sides of the table: why a sound recommendation dies inside a bank, and how to commission work that survives it. Read the practitioner view.

wislacode.com
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Harness engineering: the code around a production model wislacode.com/blog/harness-e…

Harness engineering: the code around a production model - WislaCode

What a production AI assistant needs around the model: a spend ceiling that fails closed, confidentiality enforced in code, and the gap we left open.

wislacode.com
Top 5 software testing strategies that actually hold up under pressure wislacode.com/blog/top-5-sof…

Top 5 software testing strategies - WislaCode

Risk-based, TDD, exploratory, shift-left and regression testing, judged on defect cost, release velocity and the regulatory surface of what you ship.

wislacode.com
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Microservices architecture in banking wislacode.com/blog/microserv…

Microservices architecture in banking - WislaCode

How banks decompose a core into services, what it costs organisationally, where it pays off, and what DORA requires of the boundaries in between.

wislacode.com
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Two weeks of European fintech, and almost nothing shipped because someone built a better product. Things moved, or did not move, because of a licence. Three stories.
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Third. Adyen shipped modular APIs so merchants can sell through AI platforms without rebuilding payments for each one. Stripe's Agentic Commerce Suite does the same. OpenAI added BLIK as a recurring payment method inside ChatGPT.
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None of it sells intelligence. It sells one integration instead of many, plus a local scheme mapped onto a new checkout. Adapter work, and it rewards whoever already holds the merchants and the rails.
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1/9 Corporate mobile banking is no longer a luxury. It's a must-have for CFOs, CEOs & treasury teams. Why? Visibility, speed, and control. Here's why corporate banking went from "clunky desktop" to mobile-first super apps. 👇
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8/9 Modern apps know the user’s role & context: CFO → liquidity & scenario modeling Treasurer → FX, hedging Ops → documents, receipts Security → access & approvals
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9/9 The future? 90% of corporate banking will happen in AI-enhanced mobile interfaces by 2026. But human oversight will still be key for risk & strategic calls.
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