Fintech & Banking Advisor & Consultant

Advising fintechs and banks on product strategy, digital transformation, and go-to-market success.

I’m Ivica Djordjevic, a Fintech and Banking Consultant with 20+ years of experience building digital financial products across banking, fintech startups, and payment systems.

As a Head of Product at a Swiss fintech and co-founder of two startups, I combine strategic vision with hands-on execution to help financial institutions and startups launch, scale, and optimize compliant digital solutions.

Consulting Services

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Startup Boost

Fractional‑CPO mentoring that tests product–market fit, refines investor narratives, and outlines data‑driven go‑to‑market plays, equipping founders to execute with confidence.

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Product Strategy

Facilitate discovery workshops and prioritisation frameworks to translate fintech ideas into phased MVP roadmaps, complete with governance checkpoints and success KPIs.

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Digital Banking

Advise on best‑practice UX flows and compliance architecture for onboarding, KYC/AML and account servicing, guiding internal teams toward lower friction and audit‑ready design.

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Payments

Provide strategic guidance on card issuing, acquiring, and gateway integrations, interpreting scheme rules, identifying partner options, and de‑risking rollout plans.

AI Strategy & Product Integration

I work with product and leadership teams to define where AI creates true leverage, how to deploy it safely, and how to measure its impact across data, compliance, and user experience.

View my AI Consulting Framework

How I can help you grow

Fintech Startups

Advise on product–market fit and help define a focused MVP roadmap.
Clarify regulatory requirements like PSD2, KYC, and AML at early stages.
Review pitch decks and provide strategic input for fundraising.
Offer guidance on product strategy, team structure, and scaling plans.

Banks & Financial Institutions

Provide strategic input on digital transformation planning and product vision.
Evaluate existing digital channels and recommend UX improvements.
Advise on fintech partnerships, open banking opportunities, and vendor choices.
Support leadership teams in defining and prioritizing digital initiatives.

VC / Angel Investors

Deliver expert insight during product and technology due diligence.
Assess startup viability, go-to-market plans, and regulatory exposure.
Advise post-investment on product strategy and market positioning.
Act as a trusted advisor to strengthen portfolio company execution at the strategic level.

ivicadj advisor consultant fintech banking

Let’s connect.

Whether you’re building something new in fintech, launching a product, or looking for strategic advice, I’d be happy to talk.

Email: ivica@ivicadj.com
WA Business: +381 63 8200321
Time zone: CET
Linked In

My Thoughts

Stop comparing AI vs AI, companies buy ecosystems. (Yes, even when they shouldn’t.)

by Đ. Ivica | Feb 10, 2026 | AI, Fintech

Every week someone asks, or actually try to give an answer to the same question: "Is Gemini better than ChatGPT?", or: "Copilot vs NotebookLM?" But here’s what usually happens in real companies, especially non-tech ones. They don’t build a perfect AI stack. They buy...

Hype vs Responsibility in Building Fintech Products with AI

by Đ. Ivica | Jan 28, 2026 | AI, Fintech

Key takeaways AI speeds up fintech work. It can also blur who owns the outcome. The risk is not AI mistakes. The risk is unclear ownership when mistakes happen. Make AI durable by designing for handoffs, exceptions, and double-checking. I work in fintech product, and...

How I Overcame Pitch Anxiety, And How You Can Too

by Đ. Ivica | May 28, 2025 | My Journey

If you're building a startup, at some point you're going to have to pitch, whether to investors, accelerators, or even your first team member. For many of us, especially introverts, this is terrifying. I know, because I’ve been there. In 2024, my startup Colsia was...

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