Payments & Fintech Executive · European Markets

Ileadpaymentsbusinesses.I build software and AI products.

Nearly two decades across European banking and payments, spanning commercial leadership, enterprise partnerships, digital product and multi-country P&L.

At Vacaloca Labs, I design software architecture and build web, data and AI products, from client platforms such as Oskar to payments analytics and interactive learning tools.

Currently Head of Baltic States at Western Union.

Explore my productsarrow_downward
Piotr Maciejewski, payments & fintech executive
25+ commercial agreements
Negotiated and signed for Western Union across European markets, including multimillion-dollar agreements.
Digital launches across 8 markets
Western Union mobile applications across Central Europe.
Multi-country P&L ownership
Baltic markets, with earlier responsibility for Croatia and Hungary.
Hands-on product engineering
Architecture and development across Oskar, NewRemit and FineStack.
Selected products

Products I design and build.

I work across product definition, software architecture and hands-on development, taking web, data and AI applications through to deployment and iteration.

Oskar's respondent home page in Polish, inviting people to share their opinions on products, with a button to browse open studies.
Client platform · Touchideas

Oskar

Problem. Traditional surveys can limit follow-up and miss the reasoning behind an answer.

Solution. Software architecture and development of a conversational AI research platform, translating research workflows into a working digital product.

Case studyarrow_forward
NewRemit rate landscape for a 500 GBP transfer from the UK to India, comparing providers' effective rates against the interbank mid-rate
Payments analytics

NewRemit

Problem. Cross-border pricing is spread across providers, corridors, fees and FX margins, which makes like-for-like comparison hard.

Solution. A platform I designed and built to analyse cross-border payment markets, combining payments expertise with full-stack development, data processing and interactive analytics.

Case studyarrow_forward
FineStack landing page: on-chain money, taught the way payments people learn
Interactive payments learning

FineStack

Beta

Problem. Payments teams need to understand stablecoins and on-chain settlement, but most material is written for developers or traders.

Solution. An interactive Ethereum and stablecoin learning platform for payments professionals, combining financial-services expertise with hands-on product development.

Case studyarrow_forward
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Inside the corporate role, too

In my corporate roles I've built internal analytics dashboards and, back in compliance, Python risk tools. The building isn't a side project; it's how I work.

Also delivered for clients

Gibbarosa
TouchIdeas
MoneyTransfer
Hotel Avangarda
All workarrow_forward
What I Bring

Commercial leadership. Hands-on engineering.

monitoring

Commercial leadership & P&L

Commercial strategy, pricing and profitability, with P&L responsibility across European markets.

Current Baltic P&L ownership, with earlier responsibility for Croatia and Hungary.

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Enterprise partnerships & market expansion

Bank, fintech and distribution partnerships, from commercial negotiation through integration and market execution.

25+ agreements for Western Union, including three bank and fintech partnerships in Germany and Switzerland generating multimillion-dollar incremental revenue.

rocket_launch

Digital product & go-to-market

Bringing payments and digital-banking propositions to market across different customer, partner and regulatory environments.

Mobile-app launches across eight European markets and digital-bank go-to-market leadership in Poland and Romania.

code

Software engineering, data & AI

Software architecture and hands-on implementation across full-stack applications, data pipelines, interactive analytics and LLM integrations.

Oskar, NewRemit and FineStack, built using TypeScript, React/Next.js, Python and supporting data and AI services as appropriate to each project.

Career

Leadership across European payments.

My experience spans distribution, digital product, enterprise partnerships and market leadership across DACHL and Central and Eastern Europe. Earlier roles at Royal Bank of Scotland and State Street established my foundation in corporate due diligence and compliance.

MBA with Merit, Warwick Business School, with research on AI adoption across financial institutions.

  1. P&L2025 — Present

    Head of Baltic States

    Western Union

    Full P&L across Estonia, Latvia and Lithuania — retail, digital and B2B.

  2. Go-to-market2023 — 2025

    Go-To-Market Lead, Digital Bank Poland & Romania | Head of Baltic States Omnichannel

    Western Union

    Led digital-bank go-to-market in Poland and Romania alongside Baltic P&L ownership across Estonia, Latvia and Lithuania.

  3. Enterprise sales2021 — 2023

    Head of Sales & Integrations, Financial Institutions — Central Europe

    Western Union

    3 strategic partnerships with banks and fintechs in Germany and Switzerland — multimillion-dollar incremental revenue.

  4. Digital product2018 — 2021

    Digital Product Manager, Central Europe

    Western Union

    Launched WU mobile apps in 8 countries; signed 2 digital payment partnerships.

  5. Business development2014 — 2018

    Business Development Manager / Key Account Manager

    Western Union

    12 exclusive agent contracts; 14 key accounts with 20,000+ points of sale.

  6. 2008 — 2014

    Compliance and due diligence at Royal Bank of Scotland, State Street and Western Union.

    Full careerarrow_forward

Where I've worked

Western Union
State Street Bank
Royal Bank of Scotland
Work With Me

Ways to work together.

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Build with Vacaloca

I co-founded Vacaloca Labs, a boutique studio building web, data and AI products. Working with my co-founder across strategy and design, I lead software architecture and hands-on technical delivery, from product definition through implementation and deployment.

  • checkAI products & LLM integrations
  • checkInternal tools & dashboards
  • checkCustom web platforms
Explore Vacaloca Labsarrow_outward

Advisory. Open to selected conversations on payments product strategy, fintech go-to-market and practical AI adoption in financial services.

Discuss an advisory opportunityarrow_outward