About Heorhi Tratsiak

Heorhi Tratsiak

I spent seven years inside the payment operations of one of the largest banks in the CIS region — managing the financial relationship between the bank and global payment networks: Visa, Mastercard, Apple Pay, Samsung Pay, and SWIFT. That work gave me a view of financial infrastructure that most people never see. Not the product layer — the actual mechanics of how money moves between institutions at scale. Since leaving banking, I've built three fintech ventures and documented what failed and why with the same honesty I apply to what worked. I've studied financial markets for 17 years and hold a Yale Certificate in Financial Markets. I write about payment infrastructure, fintech strategy, and AI in finance — for founders, bankers, and anyone who wants to understand how financial systems actually work. My writing reaches over 500,000 readers monthly across VC.ru and Medium.