Dmytro Rukin, CEO of LaFinteca: The Role of Technology in Redefining the B2B Payment Experience

In the world of finance, technology is reshaping business models at their core. According to a McKinsey report, the cross-border payments market in Latin America is projected to reach $1.2 trillion by 2026—highlighting the urgent need for faster, safer, and more efficient payment solutions in the region. This trend underscores the growing complexity companies face when managing payments across diverse markets.

From Engineering Culture to Business Impact

At LaFinteca, engineering is not just about building tools—it’s about solving problems with precision and purpose. According to Dima Rukin, CEO of LaFinteca, technology must be approached as both a creative and strategic discipline—one that adapts to the dynamic nature of B2B payments in Latin America. This mindset fuels a product-driven culture focused on real outcomes.

In B2B payments, challenges go far beyond basic transactions. Businesses must navigate broken checkout flows, complex reconciliation processes, fraud risks, and poor user experiences—issues that delay operations, increase costs, and create daily friction. We address these pain points as opportunities for product innovation, building flexible and reliable solutions that directly respond to client needs.

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Solving Complexity, Market by Market

Latin America’s payments landscape is highly fragmented. With distinct regulations, business behaviors, and infrastructure levels, a one-size-fits-all model simply doesn’t work. That’s why LaFinteca creates localized solutions tailored to the conditions of each country.

From adapting to national tax systems and integrating preferred payment methods, to ensuring compliance with country-specific rules, every product is designed to reflect the local realities. This localization empowers clients to operate seamlessly—even in markets with strict or highly specific requirements.

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Iterative Product Development, Fueled by Client Feedback

At LaFinteca, we follow an iterative development model. Rather than relying on static product launches, new features evolve based on real client input, usage insights, and market trends. This continuous cycle of testing, learning, and refining keeps the platform agile and responsive to shifting business demands.

This approach has driven measurable improvements in checkout optimization, fraud prevention, and automated reconciliation—while maintaining a strong focus on usability and reliability.

Business Impact as a Product Principle

At LaFinteca, every product decision starts with one question: how does this improve business performance? The team prioritizes solutions that reduce complexity, save time, improve accuracy, or enhance visibility for clients. Innovation isn’t pursued for its own sake—it’s always tied to tangible outcomes.

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This pragmatic, results-focused approach ensures that technology delivers value at scale—helping businesses streamline operations and strengthen their financial health.

The Future of Payments: Seamless and Borderless

The ultimate goal is to make cross-border payments as intuitive and efficient as local ones. According to Dima Rukin, the future of payments lies in eliminating friction, reducing costs, and embedding connectivity into every transaction.

This vision shapes every product at LaFinteca. By building the next generation of payment infrastructure for Latin America, the company is helping businesses grow and scale—without borders.

Also read my thoughts about “Enhancing Payment Solutions Across Latin America”