Chief Delivery Officer, Advapay
Gustav Korobov is Chief Delivery Officer at Advapay, where he is responsible for helping clients turn Macrobank core banking software into live, regulated operations. Based in Advapay's headquarters in Tallinn, Estonia, he works with fintech founders, EMIs, neobanks, and Banking-as-a-Service providers on matching the right delivery model to each business case and aligning platform setup, licensing requirements, banking access, and operational readiness behind a successful launch.
Across Advapay’s 100+ licensing and platform projects, Gustav has seen which decisions keep a fintech launch on schedule and on budget - and which ones create delays, rework, or unnecessary technical debt. His focus is on making sure a platform purchase becomes a working financial business, not an isolated software implementation.
He writes on core banking delivery, Banking as a Service, embedded finance, and the build-versus-buy decision for fintech infrastructure.
A Tuesday Tech article on build vs buy core banking software from a delivery and engineering standpoint, covering when building is justified, what a team must maintain, the platform layer hidden under the banking features, realistic time and cost trade-offs, and how Advapay Macrobank changes the decision.