01
Strategy Sprint
When the opportunity is real but the product, economics, roadmap or risks are still fuzzy.
PB
Payment Bros Brief
Senior Product, Architecture & Engineering Studio
Senior studio for complex digital products, fintech and payment infrastructure.
We help banks, fintechs, marketplaces and ambitious product teams solve problems where customer journeys, economics, architecture and engineering execution must move together.
Proof base
National payments, marketplace fintech and global money movement.
Scope
Strategy, economics, architecture, delivery and adoption.
Mode
Senior support from opportunity to launch.
Not generic consulting
Too complex for just strategy. Too important for just development.
Payment Bros works on products that fail when strategy, economics, architecture, delivery or adoption are solved in separate rooms.
01
Product strategy and business model design
02
High-load systems architecture
03
Payments, banking and fintech domain expertise
04
Customer journeys, onboarding and activation
05
Hands-on engineering delivery
06
Operating model and product team setup
Operator credibility
The core team has held operating roles behind national payments, marketplace fintech and global money movement.
The proof point is not a narrow offer. It is evidence that the team can connect product, architecture, ecosystem adoption and delivery under real constraints.
Dmitry Markosyants
Chief Executive, Faster Payments at NSPK; Head of Fintech at Wildberries; Head of B2B Transaction Banking at Ozon Fintech.
Pavel Riaby
Product Director, Faster Payments at NSPK; Group Product Manager at Wise; integrations with Pix, Blik and Request-to-Pay.
Delivery pattern
From 12-bank pilot to 200+ bank rollout, merchant acceptance, B2C payouts, operations and post-launch adoption.
From idea to mass adoption
FPS is a concrete example of the kind of cross-functional product problem Payment Bros knows how to solve.
The useful lesson is the operating pattern: product vision, bank adoption, merchant economics, resilient architecture and post-launch operations.
6 mo
to first version, developed and piloted with 12 banks
200+
banks rolled out within the first year
99%
of consumer-to-consumer transfers now run through FPS
12.9%
C2B market share reached in 1Q2025, via QR and payment links
Broader than one project
Payments are the proof base. The studio scope is broader.
Payment Bros applies the same operator pattern to fintech, marketplaces, internal platforms, high-load products and AI-enabled operations.
Marketplace & Embedded Fintech
Business accounts, acquiring, wallets, card products, payouts, seller onboarding and B2B transaction banking.
Payments Infrastructure
RTP, payment links, QR flows, bank rails, merchant economics, B2C payouts and ecosystem adoption.
Digital Product Creation
Strategy, MVP definition, journeys, onboarding, activation funnels, discovery and roadmap design.
High-Load Architecture
Scalable systems, integration-heavy products, observability, reliability, performance and readiness.
AI & Operational Automation
AI-enabled workflows, internal tools, dashboards and automation of repetitive banking or business processes.
Operating Model & Adoption
Team setup, governance, metrics, partner onboarding and launch systems after the first release.
From ambiguity to working products
We help when the problem crosses product, money, technology and adoption.
01
Opportunity
02
Architecture
03
Launch
04
Adoption
Product strategy and roadmap
Market, customer and stakeholder discovery
Business model and unit economics
Customer journeys and onboarding flows
MVP scope and technical requirements
High-load architecture and integration design
Vendor selection or in-house team setup
Engineering delivery and implementation support
Launch planning, adoption model and operating processes
02
Product Discovery & Design
When the team needs use cases, journeys, MVP scope, business model and launch plan.
03
Architecture & Readiness Review
When scale, integration, reliability, observability or operational readiness can block launch.
04
Build Team / Delivery Support
When hands-on product, architecture and engineering support is needed to ship.
05
Payments & Ecosystem Advisory
When bank, merchant, PSP, partner or customer adoption is as important as the platform.
Why complex products succeed
Technology is necessary. It is not sufficient.
The FPS lesson generalizes: complex products work only when customer need, economics, architecture, delivery, adoption and operations reinforce each other.
01
Real customer use casesStart with behavior valuable enough to change habits.
02
Viable business modelFees, costs and incentives must work for every participant.
03
Scalable architectureThe platform supports load, integration and resilience.
04
Reliable engineering executionDelivery quality matches the product’s importance.
05
Ecosystem adoptionBanks, merchants, partners and users actually move.
06
Operating model after launchTeams, metrics and governance keep the product alive.
Closing
Bring us the problem that keeps crossing team boundaries.
If you are building a complex digital product, fintech capability, payment infrastructure or high-load platform, Payment Bros can help turn ambiguity into a launchable system.
01
Pressure-test the opportunity
02
Design the product and system
03
Launch, adopt and scale