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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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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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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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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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Ecomedic – Assisting Sustainability Medical Stakeholders

in Project Management
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The healthcare industry suffers from many challenges. Understaffed, with limited budgets and piling up challenges of other nature, the sector is looking for a breakthrough. Well, there might be one but not in the previously mentioned areas. Meet Ecomedic – a company founded to guide medical professionals through sustainability issues.

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Scalable Agile Framework (SAFe) and its Meaning in Fintech Development

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Scalable Agile Framework (SaFe) is one of the IT industry’s most effective project management models. The key here is a flexible approach to tasks and processes. SAFe delivers business value in the shortest time possible, and elements like planning, team cooperation or risk management are daily bread. It’s great for implementing Agile practices at an enterprise scale. Learn how to scale Agile and benefit from in the modern fintech organization.

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The Dispersed Model of Company Operation: A New Paradigm for Efficiency and Flexibility

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The COVID-19 pandemic catalyzed a seismic shift in the way companies operate, accelerating the adoption of remote work. Initially seen as a temporary solution to an unprecedented global crisis, remote work has proven to be more than a stopgap measure. Instead, it has emerged as a viable, efficient, and effective way to manage a company. The history of the dispersed model of company operation has a much longer track record. Code&Pepper has been operating this way for over a decade. Implementing such a work system is not complicated, but it needs to be done wisely. Check what we learned during those years.

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Top 10 AI Software Development Tools for Boosting Efficiency

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When properly understood and utilized, artificial intelligence can be a powerful tool to not only boost but also enhance software development and digital products. What AI software development tools are out there, why it’s a good idea to use them, and how our company is working with them to further product development?

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What is Cloud Security and How to Implement It?

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Today, doing business without a cloud seems like implementing a handicap. You can do it but don’t expect a lot of flexibility and options. With pay-per-use approach and multiple services available from top cloud providers, you can scale your business in a reasonable timeframe. The problem – it also has to be secure. How to introduce cloud to your organization and make it safe at the same time? Here’s some tips on cloud security.

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Best IT Recruitment Tools & Solutions for IT And How They Will Make Your Life Easier

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Finding a suitable employee can be a pain in the neck, especially in IT, where skilled developers rarely seek for new job opportunities on their own and screening less experienced ones is a must. But can it all be simplified? Apparently, yes. There are dozens of useful recruitment tools that can help you, as an HR department representative. Let’s find what they are and how they can make your work more effective!

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5 Key Factors to Startups’ Project Management Success

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Imagine you have a beautiful tree with a potential to bear fruit every season. It doesn’t come for free—you have to tend to it. Water the seedling, shelter from extreme weather conditions, protect from pests. Manage resources, so they can last for months. The same goes for successful project management. Many companies, especially startups, have great ideas and deep domain knowledge but lack project management skills to build products with long-lasting impact. Here’s a shortlist of key success factors and handy solutions provided by companies like ours.

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Scrum Master Certification: Step Up Your Game

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“Stay home” is probably going to be the most exploited phrase of 2020. The consequences of global lockdown will loom large for years, turning the job market upside down. However, one thing hasn’t changed – you can’t go wrong with stepping up your professional game by gaining confirmed knowledge and skills. Read on to discover Scrum Master certifications tailored to different professional areas of the IT industry.

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Top Talent Wanted: Recruiting for Team Augmentation

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Talent acquisition is one of the most complex organizational processes, with immense impact on businesses in the long run. When paired with the crude fact that great leaders are nothing without great teams, the importance of an effective and sustainable recruitment strategy becomes self-evident. Team augmentation clients are therefore setting the course for the future and Code & Pepper is honoured to contribute its unique know-how to their success on the FinTech scene.

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Transparency in Software Development… Revealed

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Do you ever have an impression that the concept of transparency in software development could be more… transparent? In every company, it can mean something entirely different and, just like any other industry practice, it has fluid boundaries. At Code & Pepper, we start our transparency policy by explaining what it stands for and what aspects of cooperation it involves. Here we go with project transparency explained for every step of the way.

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5 Questions About Product Development: Reality Check

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Let’s imagine you’ve made it this far: your FinTech idea is rock-solid, the market research is an all-night read and you’re on first names terms with the most wanted VCs. Having gone far and beyond in shaping your vision and giving your business a head start, it’s high time you covered all bases by exploring the why’s, what’s and how’s of product development. The five FAQs below should give you more insight into the intricacies of product development with the peppery flavour of our custom approach. With a pinch of Agile and a drop of Lean, it might be that acquired taste you’re looking for to give your product an edge.

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Bet on Reliability: Choosing a Technology Partner

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The need for striking thriving partnerships might be yesterday’s news in the world of financial technology. Yet, as the available cooperation models are continuously evolving to offer more tailored options, the final decision might pose a challenge. Potential savings in time and costs have to be carefully weighed against risks connected with the required credit of trust: a value of paramount importance, notably in FinTech applications. If reliability is an essential aspect of all collaborative efforts, is there a key to handling it the right way?

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