New: z3x Talent Pool gives companies access to experienced FinTech specialists. Learn more

Product & Payments Specialists

Build and scale financial products with people who understand both product management and the realities of payments, regulation, technology, and customer journeys. z3x Talent Pool helps companies quickly engage Product Managers, Product Owners, Payments Product Managers, payment architects, acquiring, issuing, and payment operations experts for FinTech projects.

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What We Offer in terms of Product & Payments Specialists

Product and payments specialists with FinTech experience

We provide access to people who have worked on financial products, online payments, acquiring, issuing, embedded finance, open banking, financial applications, marketplaces, e-commerce, and transactional systems. These specialists understand not only backlog and roadmap management, but also payment economics, regulation, integrations, risk, and operations.

Capabilities matched to the product stage

We help define whether the project needs a Product Manager, Product Owner, payments expert, payment architect, payment operations specialist, acquiring or issuing expert, checkout specialist, reconciliation specialist, merchant experience expert, or someone to support a new payment implementation. We match profiles to the product, market, technology, and stage of development.

Support from concept to implementation

Specialists from z3x Talent Pool can support discovery, customer needs analysis, customer journey design, payment partner selection, requirements definition, roadmap prioritisation, collaboration with technology teams, testing, implementation, conversion optimisation, and product development after launch.

Flexible engagement model

A product or payments specialist can join the project part-time, full-time, for a defined stage, as an interim product lead, payments advisor, member of the product team, or candidate for a permanent role. We help align the model with project pace, scope of responsibility, budget, and team needs.

Product & Payments Specialists

How We Work?

1

We understand the product, user, and payment model

We start with a discussion about the product, customer segments, customer journey, business model, payment flows, integrations, partners, regulation, data, roadmap, and current team setup. We define whether the company needs product, payments, operational, technical, or combined capability.

2

We match people with experience in similar products

We check the availability of specialists who have worked on similar financial or payment products. We review previous products, scope of responsibility, segment knowledge, integration types, partner experience, seniority level, and fit with the organisation’s way of working.

3

We present a focused shortlist of matched profiles

You receive selected profiles with a clear description of product and payments experience, previous projects, areas of specialisation, availability, and recommended engagement model. Discussions focus on which product, stage, or problem the person should help develop.

4

We help activate the engagement and expand the scope

Once a person is selected, we support the definition of scope, priorities, ways of working, collaboration cadence, expected outcomes, and onboarding. If the project requires additional capabilities, we can match further roles from z3x Talent Pool, including compliance, technology, data, delivery, or business development.

Trusted across the financial services industry

Product & Payments Specialists

FinTech product work must connect customers, regulation, and payment economics

In financial products, a strong user journey is only part of the work. Transaction costs, conversion, risk, security, integrations, compliance, settlement, chargebacks, reconciliation, and partner requirements matter just as much. That is why product and payments should be designed together, not treated as separate worlds.

Send a specialist request
Product & Payments Specialists

Specialists for financial products, payments, and payment operations

z3x Talent Pool is useful when a company is building a new financial product, implementing online payments, improving checkout, developing embedded finance, structuring payment operations, changing a payment provider, optimising conversion, developing acquiring or issuing, or temporarily strengthening product/payments leadership.

What Our Clients Say

The z3x team demonstrated a high level of professionalism and an excellent understanding of the specifics of the FinTech and e-commerce market. The audit, detailed analysis of the competitive environment, and local customer expectations provided us with valuable data that really supported the decision-making process and planning for the launch of new services. We appreciate the strategic approach, timeliness, and quality of the materials prepared. The cooperation went smoothly and fully met our expectations.

Working with the z3x team on auditing our processes proved to be very valuable. We received a detailed analysis of existing solutions, reliable research, and specific recommendations for changes and improvements. The team demonstrated extensive knowledge of the industry and the ability to combine business and technological perspectives. The entire process ran smoothly, and the materials prepared provided a solid basis for further optimization activities.

Collaboration with Z3X Tech-Care Group helped us structure and redesign selected processes within our digital environment. Through targeted automation and operational flow optimization, we achieved improved operational efficiency and enhanced customer conversion performance.

Z3X are experts who advised us on chatbots, automation, and integrations. Thanks to their support, we eliminated many manual processes, accelerated company processes, and gained ready-to-use solutions. With their expert knowledge in AI and automation, the team led by Jakub Smeda and Karol Zielinski is highly recommended to all managers who need competent technology consulting.

Collaborating on the implementation of the debt collection game (memo) was an interesting and inspiring project for us. The solution stood out for its unconventional approach to customer communication, effectively increasing response rates in the initial phase of the campaign and demonstrating the potential of modern tools in the field of collections. We particularly appreciate the team’s flexibility and openness to tailoring the solution to our needs. The project served as a valuable complement to our standard strategies and provided us with many valuable insights that we are using to further develop our processes.

The z3x team provided comprehensive support throughout the design and development process of our new mobile application - from the initial concept, through product strategy development, to the final implementation. The collaboration covered both the technological and business aspects, with every stage carried out with great attention to detail and quality. The team demonstrated an excellent understanding of our needs, high flexibility, and the ability to efficiently address emerging challenges. The implementation of payments was just one of many well-executed components in this complex project.

Collaboration with Z3X Tech-Care Group helped us structure and clarify the direction of our next steps in preparing the organization to work with AI.

How you can use z3x Talent Pool

How you can use z3x Talent Pool

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