MEDIA
Tetiana Nikolenko, Co-Founder and Deputy CEO of PayForce, has been named to the "Top 50 Most Influential Women in Fintech" ranking by the Ukrainian Association of FinTech and Innovation Companies (UAFIC) — for the third year in a row.
This recognition reflects not only Tetiana's professional expertise, but her daily contribution to building PayForce and Ukraine's digital financial infrastructure. In her work, strategic vision consistently goes hand in hand with attention to detail, a deep understanding of banks' needs, and the ability to align teams around complex, ambitious goals.
This very year, with Tetiana's direct involvement, PayForce was named to the Forbes Ukraine Next 250 ranking. Both milestones are the logical outcome of consistent work: developing technology solutions for banks, building long-term partnerships, and creating products used by millions of people every day.
PayForce CEO Dmytro Havrykov Named Among Top 30 Ukrainian Financial Sector Influencers by Banker.ua
This well-deserved recognition reflects years of deep banking expertise and a track record of engaging the market in a clear, focused, and pragmatic dialogue grounded in a real understanding of industry challenges.
This exact commitment—transparent communication and integrity in partnership—builds the trust that leads banks and financial institutions to consistently rely on PayForce solutions year after year. That trust delivers tangible results: today, PayForce solutions serve over 5 million users and are deployed across more than 10 banks. The iBank online banking platform covers all client segments with 20+ modules and a turnkey infrastructure for rapidly integrating financial services into any digital product—including Open Banking, P2P transfers, Click to Pay, Apple Pay/Google Pay, Instant Credit Transfers, digital onboarding via Diia, and white-label online banking with open APIs.
Ultimately, Dmytro's impact extends far beyond a single company—he is actively driving the pace of digital transformation across Ukraine's entire financial sector.
PayForce is in the Forbes Ukraine Next 250 list of the most promising companies shaping the country's future.
This year, Forbes Ukraine opened its list to IT product companies for the first time — and we were ready.
Being included in the Forbes Ukraine ranking is more than recognition. It's confirmation that the fintech infrastructure we build for banks and businesses matters — at scale, and for the long term. PayForce was represented on stage by Tetiana Nikolenko, Deputy CEO and Co-Founder.
Ukraine's Fintech Doesn't Stop. It Builds.
UNCHAIN Festival 2026 gave us exactly the kind of moment we value most — not just visibility, but a real conversation.
PayForce joined this year's festival as one of the Technology Partners, and our Deputy CEO Tetiana Nikolenko took the stage at the Ukraine Country Forum panel, moderated by Sean Murphy , alongside Alex Kshutashvili from Neofin Solutions.
This panel made one thing clear: there's no single playbook for Ukrainian fintech. Alex spoke about scaling outside Ukraine, helping businesses launch financial services. Tetiana brought a sharper focus: operating and growing insideUkraine, during the war — and building lasting partnerships with major banks based on one core principle: be a partner, not a vendor. A vendor ships a product. A partner co-creates, adapts, and grows alongside the client for years. That's exactly how we work — and why our clients stay with us for years, with some choosing us again and again for their next key projects.
And if one word sums up where Ukrainian fintech stands in 2026 — Tetiana's answer was "Open." Open Banking. Open collaboration. Open to the world. That's why PayForce's platform, already deployed across more than 10 banks, is ready to scale across any market — built on PSD2-compliant open API.
Thank you to the UNCHAIN team for creating a platform where these conversations happen naturally.
A special thank you to David Pollack — for his personal investment in making sure Ukrainian fintech has a strong, consistent voice in the CEE dialogue.
Great sessions. New connections. The kind of energy that stays with you after the festival ends.
🏆 Fintech Company of the Year — PayForce
During the Ukrainian Fintech Awards 2026 ceremony, PayForce received one of the industry’s key recognitions. For our team, this is a particularly meaningful achievement. Being named among the strongest fintech companies in the country confirms that we are moving in the right direction and building technologies that truly transform financial services.
In addition, we were honored with the Best Collaboration Fintech + Bank award — PayForce + KredoBank, recognizing more than seven years of successful partnership and joint innovation. 🤝
The ceremony took place as part of Ukraine Fintech Week 2026 — a major industry week organized by the Ukrainian Association of FinTech and Innovation Companies. Over several days, the fintech community came together to discuss key areas shaping the future of the market: payment infrastructure, open banking, digital lending, regulatory dialogue, technology, and talent development.
The program featured industry events including Pay.Forum and Digital Lending Conference, as well as roundtables with regulators and international experts and meetings of professional communities.
We also supported the Fintech Job Fair — an open platform for those exploring a career in fintech or seeking new opportunities in the industry. For PayForce, it is also an opportunity to connect with the next generation of specialists, and we are considering launching internship programs for students interested in starting their careers in fintech.
We sincerely thank our partners, clients, and the entire PayForce team — this recognition is the result of our joint work and shared belief in the development of Ukraine’s fintech ecosystem.
From Early NFC Payments to 5 Million Users: Tetiana Nikolenko on Transforming the Fintech Landscape.
Today, we are pleased to share an interview with Tetiana Nikolenko, Deputy CEO and Co-Founder of PayForce, featured in the special project "Women Leaders' Stories" by MC: Money & Career. Tetiana is among the pioneers who built the Ukrainian fintech ecosystem from the ground up—from testing the first contactless payments at supermarket checkouts at 5 AM to developing a platform that now serves over 5 million users.
UAFIN.TECH 2025 is the largest fintech conference in Eastern Europe, an event that, without exaggeration, sets the tone for the development of the fintech market in the region, where strategy meets practice, and discussions about digital transformation go beyond presentations and turn into substantive, sometimes tough, but honest discussion about the challenges, risks, and real drivers of growth in the financial sector. It is platforms like these that determine what fintech will look like tomorrow — locally and globally.
We were happy to join this large-scale event and participate in the panel discussion “Digital Transformation for Embedded Finance,” where Tetiana Nikolenko, Deputy CEO and co-founder of PayForce, together with her colleagues in the market, discussed practical approaches to the implementation of embedded finance, the balance between personalization and security, as well as the technological solutions that are already setting new standards for banks and fintech companies.
On November 27, PayForce was invited to Vienna for an expert meeting entitled “Business Financing: Eastern Europe and Central Asia,” organized by the SME Banking Agency - Insights. The event brought together leading banks in the region and presented the results of the Business Financing 2025 study, outlining key trends in SME development and modern approaches to business financing.
Leading financial institutions from Azerbaijan, Kazakhstan, Kyrgyzstan, Georgia, Moldova, and Ukraine participated in the discussion. The winners of the Business Financing rating in six countries of Eastern Europe and Central Asia were announced separately as a benchmark of quality and efficiency for the entire market.
PayForce is honored to be part of the dialogue that shapes the future of SMEs in the region. We would like to thank the SME Banking Agency for the invitation and the high level of organization of the event.
The future of fintech is about the speed of decisions and the flexibility of teams. At Digital Banking 2025 in Kyiv, we saw how fast this transformation is accelerating.
PayForce was a strategic partner of the conference, and co-founder and Deputy CEO Tetiana Nikolenko shared her vision of the transformation of mobile banking and participated in a panel discussion about mobile banking's future.
We were not talking about "trends from presentations," but about real technological advances that are already changing customer behavior and banking models.
Key directions shaping the new ecosystem:
• Open Banking → Embedded Finance. Banking is moving from separate applications to everyday digital services — wherever it is convenient for the customer here and now.
• AI-based personalization. Products adapt to user behavior, predict needs, and offer solutions before the customer even thinks about them.
• Gamification of finance. Game mechanics increase engagement and make financial actions easier and more understandable.
• A new level of security. Multimodal biometrics, behavioral models, contextual authentication — security becomes hidden but continuous, without the need to constantly enter passwords and PIN codes.
This is where PayForce supports banks in moving faster: from implementing open APIs to creating comprehensive digital platforms that enable mobile banking to scale and become more customer-oriented.
Fintech is shifting from a vendor model to a partnership model, as CEO and owner of PayForce Dmytro Gavrykov reveals in a recent interview with Forbes. "It's no longer about technology, but about a new business philosophy — trust, joint innovation, and shared responsibility," he underlines. PayForce, whose solutions are used by over 5 million people and more than 10 banks, builds relationships with customers based on long-term development rather than short-term contracts.
Why is this important? Because a partner doesn't just perform tasks, they share risks, think strategically, and help banks not "catch up" with the market, but instead set its tempo. It is specifically these ecosystems — "bank + technology partner" — that are shaping the future of fintech. And here we would like to ask one question to all businesses: are you looking for a vendor or a partner?
On Friday, October 31, the first Forbes Banker conference took place, bringing together leaders of the financial industry — bankers, financiers, regulators, and innovators.
PayForce was the official partner of the event.
Tetiana Nikolenko, co-founder and Deputy CEO of PayForce, conducted a public interview with Volodymyr Fedorin, founding editor of Forbes Ukraine, where they discussed key trends—Open Banking, instant money transfers, Click to Pay, and the challenges of deep transformation in the banking sector.
Among the important news was the NBU initiative. As Andrii Pyshnyi announced, an innovative hub for the financial sector will be launched in 2026 — a new format for interaction between the market and the regulator.
We would like to thank Forbes Ukraine for the event, which became a concentration point for ideas, experience, and strategic vision for the industry.
PayForce was awarded “Vendor of the Year for Digital Financial Solutions” at the Banker Awards 2025.
In an extensive interview for a special release of Banker magazine, the company's CEO, Dmytro Gavrykov, shared his vision for the development of fintech, the role of artificial intelligence, and PayForce's mission to be more than just a vendor.
On September 30, we took part in the main event of the financial year — BANKER AWARDS 2025, where we to be awarded the title of “Vendor of the Year in Digital Financial Solutions Development,” which for us is not only an award but also a confirmation of trust from the professional community.
For us, this award symbolizes that we are moving in the right direction: from a supplier to a reliable partner that helps clients build the future of financial technologies.
We thank the organizers Banker.ua and sincerely congratulate all the winners of the award!
In an extensive interview for a special issue of Banker, Dmytro Gavrikov, CEO and owner of PayForce, shared why we have always been and remain more than just a vendor. We invest in R&D, artificial intelligence, and our own ecosystems so that banks and financial companies receive solutions that work “for tomorrow.”
PayForce відвідали Fintech Moldova Conferece 2025 — подію, яка об’єднує партнерів, колег і однодумців, що формують майбутнє фінансових технологій у Східній Європі. Атмосфера — надзвичайно динамічна, сповнена енергії співпраці та розвитку.
Цього року конференція стала особливою: Молдова офіційно приєдналася до SEPA, зробивши важливий крок у напрямку європейської інтеграції. Завдяки узгодженню нормативно-правових актів, розвитку eGov і активній позиції Нацбанку, країна швидко перетворюється на регіональний fintech-хаб.
Tetiana Nikolenko, Deputy-CEO PayForce is included in the TOP-50 rating most influential women in the fintech industry for the second year in a row, as determined by an authoritative jury from the Ukrainian Association of FinTech and Innovation Companies.
For PayForce, this is yet another confirmation of the importance of female leadership, which inspires the team and shapes the company's strategic development. We are proud of Tetiana and her contribution to the development of Ukraine's fintech sector.
PayForce officially joined DoWithUA — a non-profit B2B platform developed by Ukrainian Association of FinTech and Innovation Companies with support from international partners. It connects Ukrainian fintech, IT companies and specialists with global clients, investors and partners.
For us, it’s a chance to grow globally, present our services to international audiences and be part of a powerful ecosystem of Ukrainian innovation.
We invite other companies to explore the platform, register and connect:
PayForce wins Best Fintech Collaboration award!
21 march fintech week of the year has come to an end - a large-scale event that brought together market leaders, regulators, banks, technology companies, and fintech startups. It was a week of ideas, partnerships and breakthrough solutions that shape the future of digital financial services in Ukraine.
The final event was the Ukrainian Fintech Awards 2025, where PayForce received the Best Fintech Collaboration award for the implementation of the project “Expansion of Digital Banking Services” for Agroprosperis Bank with the support of Development Facility of the European Fund for Southeast Europe (EFSE DF) and with the with funding from the European Union in the framework of EU4Business initiative.
PayForum 2025: the future of digital finance is here!
20 march, at PayForum 2025, Tetiana Nikolenko, Deputy CEO of PayForce, shared insights on the future of digital wallets, market analytics, and new 2025 standards that PayForce is already implementing for its customers.
It is symbolic that 9 years ago today we remember how in 2016 PayForce together with Visa were the first in Ukraine to launch a prepaid digital card. Back then, it was an innovative solution that allowed making contactless payments directly from a smartphone.
Digital payments today require maximum comfort and security. VISA's Tap to Add Card technology allows you to add bank cards to digital wallets with one touch, avoiding the need for manual data entry. This solution improves security and minimises the risk of fraud, making it one of the key innovations in financial solutions. The technology is supported by digital wallets around the world, providing full integration with existing digital wallet services.
As a mobile banking development vendor for the International Investment Bank (IIB), PayForce was one of the first to configure and implement Visa's Tap to Add Card technology. This allowed the bank's customers to quickly and securely add their cards to digital wallets without any extra steps. Today, IIB customers can already use the new technology and appreciate its benefits.
PayForce continues to follow the trends in the fintech industry, implementing the most advanced technologies that improve the convenience and security of payment services for users.
PayForce won the Best TechFin Project award at the PaySpace Magazine Awards 2024!
This award recognizes our work in implementing innovative "all-in-one" technologies that provide Ukrainian businesses with convenient financial solutions within a single ecosystem. We are sincerely grateful to our clients and partners for their trust, because together with you we are creating the future of financial services.
We would like to express our special gratitude to the organizers of the PaySpace Magazine Awards. For the ninth year in a row, they have recognized the leaders of the FinTech and e-commerce market in Ukraine.
On December 3, PayForce Support, a part of the PayForce group of companies, has received an award in the Digitalization category within the framework of the Partnership for Sustainable Development 2024 project organized by the UN Global Compact Network Ukraine
This award was received thanks to a joint partnership in the project “Expanding Digital Banking Services” implemented for Agroprosperis Bank with the support of Development Facility of the European Fund for Southeast Europe (EFSE DF) and with the with funding from the European Union in the framework of EU4Business initiative.
As part of the project, our team has developed a number of innovative solutions for:
🔹 Remote customer identification
🔹 Online bank account opening
🔹 Integration with the Diia portal
🔹 Implementation of a mechanism for detecting a real person
These technologies have greatly simplified and accelerated the process of onboarding customers in mobile versions of online banking, creating convenient and affordable financial services.
PayForce is a strong example of female leadership in action. This is confirmed by the recognition of the company's co-founder Tetiana Nikolenko as one of the TOP 50 most influential women in the fintech industry. Yesterday, the annual presentation of the Ukrainian Association of FinTech and Innovation Companies catalogue, which recognises the achievements and influence of women in the industry, was held. The organisation received 323 applications, of which 99 were shortlisted for the final jury voting.
The role of women executives in the fintech industry and business in general is essential to support the sustainable development and recovery of Ukraine's economy in times of challenge and uncertainty. PayForce consistently supports the initiative and efforts of women leaders, creating conditions for them to realise their potential and achieve new heights in their professional activities.
Remote Identification of Legal Entities is an urgent market demand in the need to rapidly expand the customer base. This is the latest technological solution presented by PayForce at the International Forum: "Tech & Intelligence in BANKING: CUSTOMER-FIRST" from the International Financial Club "BANKIR", where Tetiana Nikolenko attracted the attention of not only banks but also financial companies with her report. This is not surprising, as our product offers a unique approach to the registration and verification of legal entities. Now they can become bank customers and open accounts online without having to visit a branch. This full digital cycle provides maximum convenience and security, making the onboarding process fast and efficient.
It was also interesting to listen to the speeches of other speakers, exchange and get inspired by new ideas. Special thanks to the organisers for their help and attention at the conference
Interview with CEO PayForce Dmytro Gavrykov for Forbes.
Today, about 5 million people use the products of the Ukrainian fintech company PayForce. More than 10 banks have already purchased the solutions and services, including KredoBank, Industrial Bank, BIS Bank, and others. PayForce offers banks to improve their customers' experience on a turnkey basis: create online banking, implement remote identification, and add a card to Wallet for contactless payments..
In the age of digitalization, a revolution in banking services! PayForce is challenging outdated banks by offering an innovative platform for creating a new generation of neobanks. Tatiana Nikolenko, co-owner of PayForce, made a presentation on “Ready-made technical solutions for creating a NEOBANK” and offered 20+ ready-made modules for creating your own NEOBANK.
On April, 2024, PayForce became the Honorary Partner of the anniversary conference - Ukrainian Interbank Payment Systems Member Association “EMA”: 25 years together!
PayForce became one of the official partners of the award ceremony “25 Leading Banks of Ukraine” from the Financial Club
PayForce Deputy CEO Tetiana Nikolenko personally congratulated and presented awards to KredoBank in the Overdrafts nomination and Oschadbank in the SME and FOP Loans nomination.
PayForce became a general partner of Forbes Tech 2023 and joined the discussion “Rewired. Solution providers for digital transformation of your business.
The FinAwards ceremony is an all-Ukrainian annual award recognizing the best in the financial sector. This event is an important moment for our industry, it identifies leaders and recognizes achievements that move us forward in the world of finance and the development of modern technological solutions.
PayForce, as a Silver Partner, was honored to award Monobank, PrivatBank, and Bank PUMB in the nomination “CARD #1 IN THE WALLET”.
Interview with CEO PayForce Dmytro Gavrykov for Forbes.
In today's digital world, where speed, convenience, and innovation are the determining factors in the choice of financial services, neobanks are becoming the new standard in the banking sector. What is PayForce's place in this market and what is the uniqueness of its solutions?
Interview with CEO PayForce Dmytro Gavrykov for the Financial Club news agency is a platform for communication of a fundamentally new format among the financial and banking community, the expert community, regulators and society.
In 2023, banks focused on products and services related to remote identification, as well as online currency purchases.