Mike Novikov

Mike Novikov is CTO at Framnex, where he leads platform architecture and engineering. He works on modular financial infrastructure, provider integrations, and the operational workflows required to launch and scale banking, payments, and embedded finance products.

Joined: August 24, 2026
Articles: 2

News

Fintech Pricing Transparency Index 2026: 58.2% Publish No Price

Home Blog Research The Fintech Pricing Transparency Index 2026 FintechSpecs Research / Benchmark Report / August 2026 The Fintech Pricing Transparency Index 2026 We audited the public pricing of 134 fintech infrastructure vendors across 12 categories, from KYC and Banking-as-a-Service…

Mike Novikov
August 25, 2026

Guide

Provider-Agnostic Fintech Architecture: The Hidden Cost of Putting Provider Logic in Your Product

Key takeaways A fintech team rarely decides to build long-term dependency on one infrastructure provider. It happens one sensible delivery decision at a time. The first integration needs to ship, so the product stores the provider’s payment status directly. Onboarding…

Mike Novikov
August 24, 2026

Fintech Pricing Transparency Index 2026: 58.2% Publish No Price

Provider-Agnostic Fintech Architecture: The Hidden Cost of Putting Provider Logic in Your Product

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