In the first part of our conversation with our CPO Rusmir, we explored his convictions about quality, decision-making, and how to balance customer needs with engineering realities. Rusmir shared how close collaboration, transparency, and structured validation processes keep Quiddly’s products both relevant and actionable.
Now, in Part Two, we shift the focus from process to product leadership. We’re talking business impact, innovation, AI, and what it really takes to steer a product organisation into the future.
Market Needs & Business Impact
As we discussed in the previous article, staying close to customers and truly understanding what they want and where the pain points are, is one of the driving key ingredients in Quiddly’s product development.
By continuously collecting and analysing feedback from support interactions, surveys, interviews, and product usage data, we can prioritise initiatives that deliver real value.
Rusmir explains that customer feedback loops are central to the product strategy. They allow the team to validate assumptions, identify pain points, and uncover unmet needs directly from the people using the products. But there’s more to it, so we ask Rusmir how he and his team stay close to the market to ensure Quiddly’s product strategy reflects real needs.
It’s no rocket science – it’s honest, decent labour. Besides maintaining close relationships with existing customers, we base our product development on engaging in dialogue with potential customers and analysing market trends. This ensures that our roadmap and initiatives are driven by real market needs rather than internal assumptions.
According to Rusmir, CEOs and boards should expect CPOs and their teams to turn market and customer insights into a clear product strategy that drives growth. This means defining a roadmap that balances short-term value with long-term vision, ensuring the right prioritisation of initiatives, and aligning cross-functional teams to execute effectively.
Product leadership best supports business growth by focusing on delivering outcomes, not just outputs. This ensures products solve real customer problems, generate measurable value, and enable scalability.
Innovating and Keeping the Balance
Of course, no market disruptor is worthy of its name without a bit of extra oomph, in other words: innovation. Quiddly has a yearly company-wide Innovation Day, where everyone participates. Cross-functional teams come together for hackathons, to ask new questions, share ideas, explore uncharted territory and innovate as much as possible.
We’ve actually seen ideas from our Innovation Days become the seeds of real-world solutions that are now implemented in our products. Of course, innovation is happening all the time, and we try to nurture that mindset in our daily work. But it’s also important to schedule dedicated sessions where you can really dig deep for treasure.
Still, innovation must always be balanced. One of Quiddly’s core values, beyond leading the field as a fintech guide, is being a trusted partner. Operating in segments with high demands on security means this balance has to be present in everything we do.
My goal is always to make informed and transparent decisions that balance all relevant factors, while remaining adaptable to new information or feedback. As a software provider in our industry, we can never compromise on safety. By using an MVP approach, delivering functionality early with a limited scope, we maintain greater control and mitigate potential risks effectively.
And of Course… AI
The hype is very real right now. Every tech company is shouting about the shiny new AI features they have sprinkled across their products. Some even call themselves “AI-first.”
But as with every new technology, it’s important to pause and think. Yes, AI can enable and boost amazing functionality. But at Quiddly we believe it’s not about AI in isolation, it’s about the problems we can solve with it. AI is another useful wrench in the toolbox: something that should make a real difference in ours and the client’s workday, not just a shiny ornament to admire your reflection in.
So where does Rusmir see the most value when embedding AI into products for banks, factoring companies, and debt collectors?
Everywhere! AI provides an entirely new dimension that can enhance virtually every part of the processes we interact with. In the long term, I see AI becoming a natural part of everything we do. In the short term, I see the most value in embedding AI where it can reduce manual effort, increase accuracy, and provide actionable insights.
For banks, factoring companies, and debt collectors, this could mean automating processes, improving credit risk assessments, predicting payment behaviour, and personalising customer interactions. AI can also help detect anomalies or potential fraud earlier, strengthening compliance and reducing operational risk.
But with every opportunity comes risk. Rusmir points out that the biggest one regarding AI right now is compromising data security and compliance. To balance innovation with control, policies must govern how AI is used within a product.
We established a framework for AI early on, and it’s been invaluable. Combined with our MVP-style approach, it allows us to innovate rapidly while ensuring that controls, safety, and regulatory requirements are never compromised.
The Quiddly Legacy?
As we often do before wrapping up, we end on a more existential note. We ask Rusmir: far into the future, when tech historians look back at Quiddly, what do you think they will say about our solutions and how they contributed?
They will look back on a company that took a modern and bold approach with its software solutions in an industry that needed it, setting a standard for others to follow. Maybe they’ll even use this article as a reference?
Ready to Learn More?
Rusmir’s reflections show how product leadership at Quiddly is grounded in trust, innovation, and a relentless focus on customer needs – all with an eye firmly on the future.
If you’d like to see how Quiddly’s solutions can help your organisation streamline operations, strengthen customer experience, and prepare for the next wave of fintech innovation, then you should definitely get in touch with us today.