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Q&A: Ivan Kovachev, Co-Founder & CEO

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What is your role at Capitalixe?  

As the CEO of Capitalixe, I play a multifaceted role that stretches across strategic leadership, decision-making, and the comprehensive management of our operations. Fostering strong relationships with our clients and partners is one of my top priorities. 

My responsibilities span from setting the strategic direction for our business initiatives to overseeing our financial management structure, all designed to power our company’s upward trajectory in the ever-evolving world of payments and banking solutions. Whether it’s charting the course for strategic investments, spearheading service development initiatives, expanding our market presence, forging strategic partnerships, attracting top talent, or overseeing the financial management of the organization, I am entrusted with making critical decisions that influence our growth and success. 

I lead the business development function, identifying and capitalising on new business opportunities. This involves a deep understanding of the fintech landscape, regulatory environment, and the unique needs of businesses. By understanding their requirements and aligning our services to cater to their needs, we can provide exceptional solutions tailored to high-risk industries and solidify our foothold in this specialised niche. 

 

What does a typical workday look like for you?  

I usually start the day reviewing the agenda to ensure that every minute is optimised for maximum productivity. This is followed by a thorough catch-up on fintech industry news and market trends, which forms the basis of our strategic decisions. With a finger on the pulse of the industry, I am able to proactively address any pending inquiries from our clients, partners, and team members. 

An integral part of my day involves collaborative work with the sales team, leading the charge in identifying and capitalising on new business opportunities. Together, we ensure that every lead is effectively pursued, and every prospective client receives the attention they deserve. I take a hands-on approach in assisting with ongoing cases, leveraging my experience and expertise to provide insights and strategic guidance. This hands-on involvement allows me to stay closely connected to our clients and ensures that their needs are met with the utmost care and attention. 

Simultaneously, I engage with our partners, forging open lines of communication to ensure that our clients are not only well-served but also positioned to explore new avenues for growth and prosperity. I am constantly seeking innovative ways to expand our reach and generate new business opportunities, pushing the boundaries of what is possible within the high-risk industries we cater to. 

My workday is a blend of strategy, operations, and relationship management, all aimed at propelling Capitalixe forward.

 

What motivated you to build Capitalixe?

The motivation behind the creation of Capitalixe was born from a profound belief that no company should be denied the solutions they require due to their perceived risk profile. Turning away clients simply because they were deemed “too high-risk” felt inherently wasteful and counterintuitive to the mission of providing financial solutions. 

I committed to finding a way to help those underserved companies that struggled to access the same solutions available to most other businesses. This conviction led me to leverage my network and industry expertise to build relationships with leaders in the field. Through these alliances, we created a robust network that offers tailored banking and payment solutions for these clients and created a mutually beneficial ecosystem within the fintech industry. capable of serving the underserved. 

Our unique approach not only solved problems for our clients but also generated new business for our partners, creating a mutually beneficial ecosystem where everyone involved wins. 

 

What are the most rewarding aspects of being a founder at Capitalixe? 

Witnessing the transformation of our company from a mere idea into a respected brand name within the industry within 3 years is nothing short of awe-inspiring. It represents the realization of a vision and the culmination of tireless efforts invested in nurturing our organization’s growth. 

Working with clients from diverse industries across the globe is a constant source of inspiration. Each client brings a unique set of challenges and opportunities, pushing us to innovate and exceed expectations continually. 

Also, building a talented and passionate team of individuals who are committed to our vision and excel in their roles is incredibly rewarding. Their achievements reflect the robustness of our organizational ethos and the high regard in which we hold our team members.  

 

What challenges do you face as the founder of a payments and banking consulting firm catering to high-risk industries?

Being at the helm of a firm providing banking and payment solutions in high-risk industries comes with its unique set of challenges. One of the most significant hurdles we face is the fluctuating regulatory landscape and the shifting risk appetites of our partners. These external forces lie beyond our control, requiring adaptability and agility in navigating the complexities of compliance and risk management. 

We embrace these challenges as opportunities for growth and remain steadfast in our commitment to providing innovative, tailored solutions to our clients. By staying ahead of regulatory changes, leveraging our deep industry knowledge, and nurturing strong partnerships, we overcome these obstacles and continue to thrive. 

 

What excites you the most about the advancements in fintech and their impact on payments and banking?

Advancements in fintech have ushered in a new era of possibilities, especially in the realm of payments and banking. One particularly exciting concept is the introduction of blockchain technology into existing legacy systems. The potential of blockchain to revolutionise the way financial transactions are conducted, recorded, and verified is truly remarkable. This innovation promises enhanced security, transparency, and efficiency, paving the way for new levels of trust and accountability in the financial ecosystem. 

Moreover, the advent of fintech advancements brings forth new products and services that empower us to widen our own offerings to customers. By embracing these advancements, we position ourselves at the forefront of innovation, continuously adapting to meet the evolving needs of our clients. 

 

What motivates you to exceed expectations for your clients, even in the face of obstacles?

At Capitalixe, we deeply understand the importance of nurturing long-term relationships, which we view as the backbone of our business. Every interaction we have with our clients and partners is a step towards strengthening this bond. We are dedicated to exceeding their expectations and delivering exceptional value, even in the face of significant challenges. 

In the competitive world of fintech, being seen as a trusted advisor and a preferred partner is no small feat. This reputation is cultivated over time through consistent high-quality service and a relentless dedication to the success of our clients and partners. Our deep understanding of the payments and banking landscape, combined with our ability to navigate the complexities of high-risk industries, equips us to provide expert advice and tailored solutions. 

Consistently exceeding expectations has been instrumental in Capitalixe’s success over the years, and it continues to drive us forward.

 

What are the key insights or lessons learned from leading Capitalixe? 

Leading Capitalixe has granted me invaluable insights and lessons. Adversity is an inherent part of every business journey, and the ability to learn from these challenges and apply the lessons learned to future decisions is what fuels growth and development. 

Also, I have come to appreciate the irreplaceable value of building a cohesive and dedicated team. At the core of every successful business lies a group of individuals who share a common vision, align with the company’s goals, and possess the skills and passion necessary to drive progress. Making wise choices in assembling this team is paramount during the early stages of any business. 

Lastly, I have learned the importance of finding a niche and dedicating time and resources to become the absolute best in that field. By cultivating expertise and positioning ourselves as industry leaders within our chosen niche, we differentiate ourselves from competitors, attract clients seeking specialised solutions, and establish ourselves as trusted authorities in our domain. 

 

What do you believe sets Capitalixe apart and makes it so unique?  

What sets Capitalixe apart and makes it truly unique is our commitment to putting our clients’ interests first. Offering our services free of charge aligns our incentives directly with the success of our clients. By eliminating any potential conflicts of interest, we become trusted partners, singularly focused on finding the best possible solutions at the most favorable price points. This mindset fosters a deep sense of collaboration, enabling us to work closely with our clients and partners to tailor solutions that precisely meet their needs. 

We invest the time and effort to thoroughly understand the intricacies of their businesses, allowing us to deliver exceptional value and forge enduring relationships. Our clients and partners trust us to be their dedicated advocates, actively engaging with them at every stage and consistently surpassing their expectations. 

What are your interests outside of Capitalixe? 

When I’m not immersed in the world of fintech, I indulge in my biggest personal passions: Food, travel, cars, and watches.  

Food and travel offer me the opportunity to explore diverse cultures, experience different cuisines, and broaden my horizons. Immersing myself in different culinary traditions and embarking on adventures to new destinations is how my spirit gets invigorated and my creativity fuelled. 

Also, I am drawn to the exhilaration of fast cars. I admire their designs, engineering marvels, and the adrenaline rush they deliver – with safety always at the wheel, of course. 

Last but not least, I am a big fan of the intricate craftsmanship and timeless elegance that watches embody. Love growing my watch collection.

 

Want to connect with Ivan?

Send him a message on LinkedIn to learn more and join his network of like-minded professionals!

Get in touch with our team of experts.

At Capitalixe, we specialize in helping our clients who are often deemed as “high risk” find the perfect banking and payment solution for their needs. We do this by leveraging our network of over 100+ financial institutions, EMI’s and banks worldwide. Our goal is to help save you time and take the pain of finding trustworthy and suitable solutions away from you.   

Feel free to reach out to us for a complimentary consultation. We will be more than happy to help you. 

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