Maxcode Tech Survey

Share your views!

Help shape the future of fintech, built by those who actually build it.

The Maxcode Tech Survey is a bi-annual study capturing how fintech professionals are navigating regulation, technology, and real-world product challenges.

In just a few minutes, you’ll contribute to insights that go beyond theory, reflecting what’s actually happening in the industry today.
✔ Benchmark your approach against peers
✔ Get early access to the results
✔ Help shape the industry conversation

If you’re building, scaling, or enabling fintech...your input matters.

Question Title

* 1. Which of the following descriptions best applies to your company?

Bank

Payment Service Provider

Payment Gateway

Fintech

Embedded finance provider

Merchant / Marketplace

Blockchain / Web3 infrastructure provider

RegTech / Compliance technology provider

Other

Question Title

* 2. Has your company changed its emphasis on technology over the last 12 months?

Yes, increased emphasis to an extent

Already had strong emphasis on technology

Yes, increased substantially

No change

Question Title

* 3. What are priority areas for IT spending in your organization?

AI
· AI-driven fraud detection
· Generative AI for internal productivity
· AI-driven personalization
· AI governance and explainability
· Predictive analytics

Security
· Cybersecurity resilience
· Zero-trust architecture
· Identity & access management
· Fraud prevention
· DORA compliance

Web3
· Stablecoin payments
· Tokenized assets
· Digital identity (DID)
· Crypto payment infrastructure
· CBDC integration

Azure / .NET
· Cloud-native architecture
· Azure modernization
· Microservices & API architecture
· Platform engineering
· Legacy modernization (.NET transformation)

Quality & Regulation
· Regulatory reporting automation
· FIDA / PSD3 readiness
· AI Act copliance
· Internal audit & traceability
· Test automation & QA scaling

Question Title

* 4. What are the biggest technological challenges facing your organization?

Integrating AI safely and complianty

Recruiting and keeping top technology talent

Budget and resource limitations

Adapting legacy infrastructure to meet new business demands

Changing customer demands

Cybersecurity

Keeping up with new regulatory demands

Adapting to technology changes

Question Title

* 5. What are the main cybersecurity challenges that your organization has recently experienced?

Phishing attacks

We do not experience cybersecurity challenges

Fraudulent transactions

Denial of service attacks

Financial fraud/theft

Question Title

* 6. What are the main factors and challenges your organization addresses with cloud computing?

Data security

Scalability

We run everything in the cloud

Regulatory compliance

Access control and encryption

We don’t focus on cloud computing now

Question Title

* 7. What are your organization’s main challenges when it comes to fast software releases and quick time to market?

We have rare, fixed release cycles

We have layers of processes at each stage

We lack end-to-end automation

We don’t have a clear product release cycle

We have blockers in software development

Question Title

* 8. Has your organization become more likely to adopt technology and systems from vendors in the past 12 months?

No. We still prefer to build in-house

We haven’t considered changing/adding new vendors

We are slowly adopting more vendor solutions

We are speeding up our adoption of vendor solutions

We already deploy large amounts of vendor solutions and are thinking of outsourcing significant components of our IT infrastructure.

Question Title

* 9. If your company is interested in using technology from (fin)tech companies, which areas are most likely to purchase services from? (Please pick top three)

Mobile solutions

Large IT infrastructure revamps

Cloud computing

Big data projects/analytics

Compliance

Payments/transaction banking

Customer/client experience

Cybersecurity

Web3 / crypto payment integration

Question Title

* 10. How is your company dealing with new technology features needed for your product(s)?

We partner with fintechs

We build it in-house

We outsource to distributed teams

Question Title

* 11. If you were looking to build technology with a technology vendor, which of these factors would you look at?

Career history/quality of management

How long the firm has been in business

The technology on offer

Track record with similar projects at other institutions

Ease of maintenance

Question Title

* 12. Which of the following statements do you agree with?

Augmented Reality will become the new reality of online shopping

Headless and API-driven ecommerce will become the norm

Payment apps are the new lifestyle apps

Buy Now, Pay Later will account for almost half of ecommerce transactions by 2026

In ten years’ time, all merchants will accept cryptocurrency as a form of payment

In ten years' time, all ecommerce warehouses will be completely automated, using robotics

Question Title

* 13. If your company is looking to deploy systems from tech companies, what is the biggest internal challenge for your organization?

Lack of technical skills within your organization to deploy new systems

Do not want to rely on a company that may not exist in three years

Difficulty in integrating modern technology with legacy infrastructure

Have been let down by outside suppliers in the past

Complicated and long procurement process

Strict regulatory requirements and standards

Clash of cultures between us and them

No time to research them

Maxcode Tech Survey

Share your views!

Question Title

* 1. Which of the following descriptions best applies to your company?

Question Title

* 2. Has your company changed its emphasis on technology over the last 12 months?

Question Title

* 3. What are priority areas for IT spending in your organization?

Question Title

* 4. What are the biggest technological challenges facing your organization?

Question Title

* 5. What are the main cybersecurity challenges that your organization has recently experienced?

Question Title

* 6. What are the main factors and challenges your organization addresses with cloud computing?

Question Title

* 7. What are your organization’s main challenges when it comes to fast software releases and quick time to market?

Question Title

* 8. Has your organization become more likely to adopt technology and systems from vendors in the past 12 months?

Question Title

* 9. If your company is interested in using technology from (fin)tech companies, which areas are most likely to purchase services from? (Please pick top three)

Question Title

* 10. How is your company dealing with new technology features needed for your product(s)?

Question Title

* 11. If you were looking to build technology with a technology vendor, which of these factors would you look at?

Question Title

* 12. Which of the following statements do you agree with?

Question Title

* 13. If your company is looking to deploy systems from tech companies, what is the biggest internal challenge for your organization?

Question Title

* 14. Would you like to receive the survey results when they’re ready? If so, please enter your email address (optional).