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Maksym Zdorovyi - Co-founder and E-commerce Expert

Maksym Zdorovyi

Co-founder, E-commerce Expert

20+ years of experience in finance and 13+ years in e-commerce.

Co-founder of a company with deep expertise in digital technologies and innovative business solutions. Actively implements AI, Machine Learning, and Data Science in retail and banking.

Author of academic papers presented at international conferences (Amsterdam, Zurich, Stockholm, New York, Lisbon, and more) on banking digitalization.

20+
Years in Finance
17+
Years in Business
13+
Years E-commerce
30+
Academic Works

Academic Activity, Publications & Talks 2024–2026

Harmonizing Digital Banking with the EU Common Agricultural Policy (CAP): models of financial integration for agribusiness
Harmonizing Digital Banking with the EU CAP: Financial Integration of Agribusiness
Agri-Finance 2026
Webinar 'From Writing to Analysis': research methodology and data analysis
Webinar: From Writing to Analysis
Webinar 2026
Cybersecurity in digital banking: strategies for protecting banks and customers in Ukraine, Stockholm
Cybersecurity in Digital Banking: Protecting Banks and Customers
Stockholm 2026
UX/UI Design in Mobile Banking: impact on engagement, conversion and retention, Irpin
UX/UI Design in Mobile Banking: Engagement, Conversion & Retention
Irpin 2026
Cloud technology adoption in Ukraine's banking sector: benefits, risks and regulatory aspects, Bern
Cloud Technology Adoption in the Banking Sector
Bern 2026
Financial inclusion and digital literacy: comparison of approaches in Ukraine and global practices, Liverpool
Financial Inclusion and Digital Literacy: Ukraine vs. Global Practices
Liverpool 2026
Cybersecurity in the banking system: challenges and protection strategies in the context of digitalization, Lyon, France
Cybersecurity in the Banking System in the Context of Digitalization
Lyon 2026
Digital onboarding of customers: remote identification, e-signature, KYC and fraud prevention, Zurich, Switzerland
Digital Onboarding: Remote Identification, KYC and Fraud Prevention
Zurich 2026
The role of national payment infrastructure and the regulator in the development of digital banking: the case of Ukraine and EU countries, Marseille
The Role of National Payment Infrastructure and the Regulator in Digital Banking
Marseille 2026
Open API architecture in a bank: technical solutions, security and monetization models, Chernivtsi
Open API Architecture in a Bank: Security and Monetization
Chernivtsi 2026
Integration of Banking Products into Non-Financial Platforms (Embedded Finance): trends, models and case studies, Reykjavik
Integration of Banking Products into Non-Financial Platforms (Embedded Finance)
Reykjavik 2026
Trust by Design: the role of UX/UI in perceived security, engagement and customer retention in mobile banking apps, Kharkiv
Trust by Design: The Role of UX/UI in Security and Customer Retention
Kharkiv 2026
RFM and behavioral segmentation in banking using Big Data: methods and case studies, Lisbon
RFM and Behavioral Segmentation in Banking (Big Data)
Lisbon 2026
Presentation: The role of loyalty programs in the digital ecosystem of banks, a case study of Ukrsibbank, Odesa
The Role of Loyalty Programs in the Digital Ecosystem of Banks (Case Study: Ukrsibbank)
Odesa 2026
Gamification in mobile banking: impact on engagement and cross-selling, Vienna
Gamification in Mobile Banking: Impact on Engagement and Loyalty
Vienna 2026
Using machine learning for real-time fraud detection in banks, Amsterdam
Using Machine Learning for Real-Time Fraud Detection
Amsterdam 2025
Publication in the Universum journal: Machine Learning for detecting financial fraud
Publication: Machine Learning for Detecting Fraudulent Transactions
Universum 2025
Blockchain and DLT technologies in banking infrastructure: prospects for Ukraine, Ivano-Frankivsk
Blockchain and DLT Technologies in Ukraine's Banking Infrastructure
Ivano-Frankivsk 2025
Building a Customer Data Platform (CDP) in banking architecture, Chicago
Building a Customer Data Platform (CDP) in Banking
Chicago 2025
Using artificial intelligence for credit scoring in digital banking, Bologna
AI for Scoring and Creditworthiness in Digital Banking
Bologna 2025
Open Banking in Ukraine: implementation challenges and new opportunities
Open Banking in Ukraine: Challenges and New Opportunities
Open Banking 2025
Application of generative artificial intelligence in banking: from chatbots to back-office automation, Dresden
Generative AI in Banking: From Chat Assistants to Back-Office
Dresden 2025
Customer Lifetime Value (CLV) analytics in digital banking: models and practical implementation, Montreal
Customer Lifetime Value (CLV) Analytics in Digital Banking
Montreal 2025
Digital adaptation of Ukraine's banking system in the context of ESG sustainable development goals, Chernihiv
Digital Adaptation of the Banking System and ESG Goals
Chernihiv 2025
Evaluating the effectiveness of marketing campaigns in a bank's digital channels: attribution and A/B testing, Cambridge
Effectiveness of Marketing Campaigns: Attribution & Uplift Modeling
Cambridge 2025
Digital customer lifecycle of a bank: stages, triggers and KPIs, Glasgow
Digital Customer Lifecycle: Stages, Triggers and KPIs
Glasgow 2025
Multichannel and omnichannel approach in digital banking: channel integration, Poltava
Multichannel and Omnichannel Approach: Models and Effectiveness
Poltava 2025
Next Best Action and Offer models in banking systems: algorithms and design, New York
Next Best Action and Offer Models in Banking Systems
New York 2025
Harmonizing regulation of Ukraine's banking sector with EU directives (PSD2, GDPR)
Harmonizing Banking Sector Regulation with EU Directives
Regulation 2025
Analysis of customer data for personalizing banking products: privacy and benefits
Data Analytics for Product Personalization: Benefits and Privacy
Data Privacy 2025
Digital operational resilience of banks: implementation of DORA (Digital Operational Resilience Act) principles in Ukraine
Digital Operational Resilience of Banks: DORA Implementation
Cybersecurity 2025
Conference abstracts: Open Banking in Ukraine, regulatory challenges and API integrations
Abstracts: Open Banking in Ukraine — Challenges and Opportunities
Abstracts 2025
Digital adaptation of a company's financial system: strategies and tools, Kharkiv
Digital Adaptation for a Company's Financial System
Kharkiv 2025
Talk on the use of artificial intelligence in Ukraine's banking sector, Kharkiv
Using Artificial Intelligence in the Banking Sector
Kharkiv 2024

Certificates & Qualifications

Data School certificate: Analysis Mindset, Oracle SQL, Power BI
Data School: Analysis Mindset & Tools
Oracle SQL / Power BI / Data Prep
SEO specialist certificate: Poshukovik 2.0 course
"Poshukovik 2.0" Course (SEO Advanced)
ID: cA0sEKmZUR, 22.03.2021
Frontend development certificate: E-commerce website markup HTML/CSS/JS
E-commerce Website Development from Scratch
HTML5 / CSS3 / JavaScript
Certificate: Fundamentals of artificial intelligence and machine learning
Fundamentals of Artificial Intelligence (AI Basics)
Machine Learning Fundamentals
Certificate: Digital technologies in scientific research and data analysis
Digital Technologies in Research
Data Science & Research