Growth Multiplies Risk In Fintech

InnovationGrowth Multiplies Risk In FintechByDzmitry Lubneuski,Forbes Councils Member.for Forbes Technology CouncilCOUNCIL POSTExpertise from Forbes Councils members, operated under license. Opinions expressed are those of the author. | Membership (fee-based)Jun 03, 2026, 07:30am EDTDzmitry Lubneuski is the CIO at a1qa, a leading pure-play software testing company. He’s a tech expert with a solid 20-year background in QA getty​Every transaction is a promise the system has to keep.As transaction volume grows and more services depend on each other, keeping those promises becomes more complicated. Failures spread further. More payments are affected. More customers feel the impacts.Transaction volume is rising while resilience and compliance expectations are getting tighter. The European Central Bank reported 77.7 billion non-cash payments in the euro area in the first half of 2025, up 7.7% year on year, with a total value of 116.0 trillion euros.​ Meanwhile, the U.K. Treasury Committee reported at least 158 banking IT failure incidents affected millions of customers between January 2023 and February 2025, with at least 803 hours of unplanned outages across nine major banks and building societies.How can a financial technology (fintech) company grow without letting transaction, recovery and dependency risks grow with it?Infrastructure matters, but it’s only part of the answer. Scaling servers isn’t enough. The business has to scale quality governance alongside it. When testing, release control and resilience checks fall behind, the business carries more risk of transaction failures, service disruption and control gaps.Why Older QA Approaches Fall ShortA lot of QA approaches were built around release readiness. That is less useful in systems that process transactions at scale and stay available around the clock. If a payment flow passes testing but fails under live load, what did the release sign-off actually prove?A feature can pass functional testing and still fail in...