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Cloud Cost Optimization Strategies for FinTech & HealthTech SaaS

in FinTech Business
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Cloud Cost Optimization Strategies for FinTech & HealthTech SaaS

Reduce cloud costs by up to 40% with proven optimization strategies. Code & Pepper helps FinTech & HealthTech SaaS cut spending without sacrificing performance.

Cloud bills are unpredictable. For FinTech and HealthTech SaaS companies, they’re often bloated. Real companies overpay by 30-40% for unused resources. This guide shows practical cloud cost optimization strategies to cut costs without compromising performance. Whether you’re planning a cloud migration or optimizing existing infrastructure, these tactics work.

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Building a Fintech MVP: How To Get Investors

in FinTech Business
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Most fintech founders make the same mistake. They build a feature-rich product, spend months in development, and wonder why investors pass. The truth? Investors don’t fund features. They fund solutions to real problems with proof of market demand.

Building a fintech MVP that gets funded requires a different approach. You need to demonstrate traction, show regulatory awareness, and prove you understand your users’ pain points. This guide breaks down what actually works.

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Code & Pepper podpisało z Ministerstwem Finansów umowę o wartości 6,45 mln PLN na rozwój kluczowego systemu celnego

in Company Life

WARSZAWA, 23 września 2025 r. – Software House Code & Pepper podpisał umowę z Centrum Informatyki Resortu Finansów (CIRF) na rozwój i utrzymanie Systemu Rozliczania Procedur Specjalnych i Czasowego Składowania (RPS). Wartość czteroletniego kontraktu wynosi maksymalnie 6,45 mln PLN brutto i stanowi kluczowy krok w strategicznej ekspansji firmy na polskim rynku zamówień publicznych. Code & Pepper specjalizuje się w tworzeniu rozwiązań FinTech i HealthTech; umowa jest jednym z pierwszych kroków poświęconych rozszerzeniu działalności firmy na polskim rynku.

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Building Fundree’s FinOps Engine: A Look Inside the Tech

in Company Life
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Managing ad spend at scale is a mess – a chaotic mix of prepaid platform wallets, shifting credit limits across dozens of ad accounts, and a nightmare of manual reconciliation in spreadsheets. For a media partner like Fundree, who helps advertisers navigate this chaos, taking care of that complexity is everything.

They needed a centralized, API-driven platform to build a FinOps engine for social media advertising. A place where their clients could load a single wallet and allocate funds with precision, and where their own team could manage the entire system.The platform needed to be two things at once. It had to be highly automated for day-to-day efficiency, but also allow for granular, manual overrides for the edge cases. 

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Centaur Fintech AI: 9 Examples Where Human Experts and AI Win Together

in FinTech Business
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The tech world loves a good apocalypse story. For years, the narrative about FinTech AI was the “robo-apocalypse,” a future where artificial intelligence would replace every human expert. We were told to expect a world of fully automated finance, run by algorithms in a black box.

It was a great headline. But it was a terrible business model. Fintech AI looks a bit different now.

The most successful and innovative AI fintech startups today are not pure AI. They are “Centaurs”: a powerful fusion of a human expert and an AI co-pilot. The machine does the math. The human makes the call. This fintech AI model is proving to be the most effective and trusted way to build a modern financial company.

Here are nine companies that prove it.

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The FinTech Founder’s AI Playbook: 5 High-ROI Implementations for AI in FinTech

in FinTech Business
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Your runway is finite. Every engineering hour must deliver a return. So when the board asks about your “AI strategy, or AI in FinTech” chasing complex, theoretical models is a quick way to burn cash. The smarter approach is to apply AI to your most expensive, time-consuming problems first.

Forget the hype. Real ROI comes from focused, practical application. Here are five concrete AI implementations that solve specific FinTech challenges, delivering immediate value to your business and your users.

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Vibe Coding Analysis: The Methods, Tools, and Hard Limits

in Software Development
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“Vibe coding” has officially moved from a developer meme to a legitimate workflow. Powered by a new class of powerful AI tools, writing code based on intuition, conversation, and rapid iteration is now a daily reality for many. The simple “for or against” arguments are no longer useful.

It’s time for a real analysis. What does vibe coding actually look like in practice? What are its different styles, what can the tools really do, and where are the hard limits that separate a cool demo from a high-tech, scalable product?

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A Playbook for Building Startups with AI in 2025: Your New Co-Founder is an AI

in Project Management
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Building a startup is a grind. The pressure to innovate, validate, build, and scale is immense. But what if you had a co-founder who never sleeps, analyzes markets in seconds, and helps you write code? In 2025, you do. Its name is artificial intelligence.

AI is more than just a tool; it’s a genuine partner in creation. But like any co-founder, it has incredible strengths and critical blind spots. This playbook will guide you through the startup lifecycle, showing you exactly where to lean on AI and where you need to invest in specialized human talent to win.

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8 AI-Powered Platforms Every FinTech Should Know

in FinTech Business
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In FinTech, AI is no longer a buzzword for a futuristic robo-advisor. It’s now the core engine behind the industry’s most critical functions: security, compliance, and operational efficiency. Winning companies aren’t just building slick user interfaces; they’re creating intelligent systems that make better decisions, faster.

While building a proprietary AI from scratch is a massive undertaking, many FinTechs gain a competitive edge by integrating with specialized platforms. These tools can transform an organization’s capabilities. Here are eight platforms that deliver real, operational value.

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How Patchwork Health Scaled Faster and Smarter with Code & Pepper: Healthtech Software Development

in FinTech Business
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Healthcare is hard. Building software for healthcare? Even harder.
You’re working with legacy systems, real-world consequences, regulatory overhead, and zero room for error. That’s the space Patchwork Health chose to challenge.

And here’s how Code & Pepper helped them do it.

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How Monkee Scaled Faster With Code & Pepper

in FinTech Business
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Some products just make sense. Monkee is one of them.

It’s a personal finance app built to help people save money the same way modern tech companies help them spend it: easily, with nudges, and zero friction. The app uses behavioral design, gamification, and AI to encourage users to hit real savings goals—on their own or with others. It’s part digital coach, part social piggy bank, part financial assistant. It’s smart, well-designed, and genuinely helpful.

That’s why it hit over hundreds thousands users. But getting there wasn’t easy.

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Hiring AI Developers? 6 Mistakes That Can Wreck Your Product

in FinTech Business
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Hiring AI Talent Isn’t Just Hard—It’s Risky. You’ve got an idea for an AI product. You’re backed by real use cases and early traction. But now comes the bottleneck: hiring the right people to build it.

It sounds simple—hire AI developers and start building. But most companies hit walls before they even get to market.

The truth is, AI product development needs more than smart resumes. It needs a hiring strategy that fits how AI products are actually built.

Here are six of the biggest hiring mistakes companies make—and how to avoid them by thinking beyond your local talent pool.

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Outsourcing Software Development for Startups: Red Flags and Green Flags

in FinTech Business
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When you’re running a startup, every decision counts. Especially the ones about how and who builds your product.

Outsourcing software development is often the most practical way to ship faster, stay lean, and cut the cost of hiring an entire in-house team. But the difference between the right partner and the wrong one? It can decide your timeline, your budget—and even your launch.

This guide walks you through the red flags that should stop you in your tracks, and the green lights that tell you you’re talking to the right team—whether you’re hiring bespoke software developers, looking for healthcare software developers, or need AI software experts to bring your vision to life.

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Why a Leading FinTech Chose Nearshore Developers Over Local Teams

in FinTech Business
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Your product’s growing. Your users want more. But your local team is maxed out, and hiring takes months you don’t have.

That’s exactly what Finbourne faced with their LUSID platform. They had a cutting-edge back end and could not deliver it cleanly to users.

Instead of stretching their UK team thinner, they partnered with nearshore developers in Poland – Code & Pepper. The result? A faster, smoother product rollout, powered by smart IT staff augmentation.

Here’s how outsourcing engineers—the right way—helped a top FinTech scale without chaos.

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Staff Augmentation vs. Full Outsourcing: What’s Best for Your Startup?

in FinTech Business
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For most startups, software development outsourcing is no longer a question of if, but how. Between tight funding rounds, shifting roadmaps, and limited in-house bandwidth, founders need external help—fast.

That’s where the choice kicks in: staff augmentation or full outsourcing? Both are popular paths for outsourcing software development. Both offer access to talent, flexibility, and scalability. But which one really fits your product vision, hiring pace, and growth pressure?

Let’s unpack it.

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5 Compliance Mistakes FinTech Startups Make (And How to Avoid Them Without Burning Budget)

in FinTech Business
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FinTech moves fast. But compliance? It doesn’t wait for your roadmap. Miss a step, and you’re not just tweaking a product backlog—you’re dealing with regulators, legal fees, and reputational damage. And if you’re in early growth mode, those distractions can wreck momentum. Here are 5 Compliance Mistakes you want to avoid.

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The Hidden Costs of Hiring an In-House Development Team vs Outsourcing Software Development

in FinTech Business
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Building a software development team is expensive. But beyond salaries, there are hidden costs that many businesses overlook. Hiring in-house may seem like the safest bet, but it often leads to higher expenses, slower product development, and more management overhead. Let’s look into outsourcing software development benefits over in-house hiring.

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Best Practices on Upselling in FinTech

in FinTech Business

Developing strategies that increase the value of your customers and contribute to the long-term and stable growth of your company is essential. A great to achieve this goal is upselling – recommending additional services or goods for existing consumers based on their present preferences or purchasing habits. How to implement upselling in FinTech, what are the best practices, and how can you grow your app this  way?

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Alloy – A Swiss Army Knife for FinTech Security

in FinTech Business
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Alloy is a New York-based fintech company that solves multiple problems for banks and other entities from the finance sector. Specialists from there run an end-to-end identity risk management platform to take control of fraud, credit, and compliance risks. Let’s look at how this firm reached the level of 600 clients globally and what made their offering so special.

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The Rise of Personalized Insurance Products: The Future of Tailored Coverage

in Software Development
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In the rapidly evolving insurance industry, one trend is making waves: personalized insurance products. This innovation is transforming the way insurers engage with customers by offering tailored coverage based on individual needs, behaviors, and preferences. From usage-based car insurance to health plans that reward fitness, personalized insurance is reshaping the future of risk management. Let’s dive into how this trend is revolutionizing the industry, the technologies enabling it, and the benefits it brings to both insurers and policyholders.

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