Dive into AI solutions for fintech. Learn about AI use cases, roles, and benefits in fintech.&nbsp;

Dive into AI solutions for fintech. Learn about AI use cases, roles, and benefits in fintech. 

AI in Fintech: How is AI Used in Fintech Industry? | Agilie

Entrepreneurs have two ways to launch their own websites: the first one is to start using out-of-the-box software while the second one is to create a web resource from scratch. There are several types of ready-made solutions, so we would like to help you choose the best option that would be cost-effective, functional, and flexible.
<h2 dir="ltr">What Are Out-of-the-Box Solutions?</h2>
Out-of-the-box software is also called commercial off-the-shelf (COTS) development. It is a set of different programs, which include basic functionality suitable for the general public.&nbsp;
The ready-made commercial solutions are developed by third-party companies to cover certain needs of the B2B sector. Developers strive to make their services simple and user-friendly so that you could install the digital products quickly and operate them easily.&nbsp;
Every business uses out-of-the-box systems: the most common examples are email clients, VoIP telephony, accounting software, office suite packages, and the like.&nbsp;
There are a few types of ready-made developments:
<ul style="list-style-type: disc;">
<li dir="ltr" aria-level="1">
Saas (software-as-a-service). A good example is marketplaces, which offer you a ready-made website on its hosting and CRM (Customer Relationship Management) system. Saas option is used mainly by online stores: all you need to do is just fill the site with content and choose a visual look. It is easy to move elements by the drag-and-drop method.
</li>
<li dir="ltr" aria-level="1">
Open-source CMS solutions are a piece of software, which you can download to your PC and then install on any hosting. These out-of-the-box solutions are the heart of web resources and often have big communities, which develop templates, widgets, plugins and assist in solving some problems. The open-source developments are designed to help users create and edit their web resources.&nbsp;
</li>
</ul>
It is worth mentioning that open-source CMS websites have fewer limitations in comparison with Saas solutions. They allow scaling your project and implementing further features. Saas sites belong to their vendors while open-source web resources are totally in your possession.
Several things you should know about out-of-the-box solutions:
<ul style="list-style-type: disc;">
<li dir="ltr" aria-level="1">
they are distributed in several ways: some of them you can buy for good while other systems require a monthly or annual subscription;
</li>
<li dir="ltr" aria-level="1">
certain programs are created to be installed only on a PC. However, the current trend is cloud access: users work on special web resources from any convenient gadgets.
</li>
</ul>
<h2 dir="ltr">Off-the-Shelf Solutions: Pros &amp; Cons</h2>
Out-of-the-Box software benefits are as follows:
<ul style="list-style-type: disc;">
<li dir="ltr" aria-level="1">
Quick installation and easy use (ready-to-go concept). No technical experience is required;
</li>
<li dir="ltr" aria-level="1">
Proven solutions under the hood;
</li>
<li dir="ltr" aria-level="1">
Regular updates and availability of support (high dependence on the chosen system);
</li>
<li dir="ltr" aria-level="1">
Enough functionality in most cases;
</li>
<li dir="ltr" aria-level="1">
Opportunity to scale your system in no time;
</li>
<li dir="ltr" aria-level="1">
Democratic price (always lower than developing from scratch).
</li>
</ul>
Common pitfalls:
<ul style="list-style-type: disc;">
<li dir="ltr" aria-level="1">
Limited functionality without the opportunity of customizing;
</li>
<li dir="ltr" aria-level="1">
Sharp rise in the price especially if your service provider is a monopolist;
</li>
<li dir="ltr" aria-level="1">
Dependence on your provider in terms of getting updates and solving problems. Some of the features you need may be released with a delay;
</li>
<li dir="ltr" aria-level="1">
Availability of unnecessary features, which pile up the system and complicate the interaction;
</li>
<li dir="ltr" aria-level="1">
Hidden fees (may take place);
</li>
<li dir="ltr" aria-level="1">
Insufficient functionality (sometimes). You have to hire specialists to expand your project.
</li>
</ul>
<h2 dir="ltr">What is Development from Scratch?</h2>
Above, we have already mentioned the concept of developing from scratch, which means the creation of your own unique solution, custom software. This approach is preferable for huge projects due to their high requirements and customized structure.
The development process assumes the awareness of your or your clients&rsquo; needs. If you have been operating in the market for a long time, you have already realized the necessary features and interface with a high probability. However, don&rsquo;t worry if you aren&rsquo;t aware of all requirements: our team is ready to conduct the discovery phase in order to dive into your business and find out your present and possible future requests. It will allow creating a system, which would be relevant through the years.
High-customized software is able to boost the operation process in your business, but the game is worth the candle only if truly specialists are responsible for the product. Otherwise, you&rsquo;ll lose your money, time, and the system developed will require a total modification.
<h2 dir="ltr">Customized Solutions: Pros &amp; Cons</h2>
Pros:
<ul style="list-style-type: disc;">
<li dir="ltr" aria-level="1">
Profitability. Yes, you have to pay a decent amount upfront but in the long run, you&rsquo;ll save money by avoiding licensing fees;
</li>
<li dir="ltr" aria-level="1">
Enhanced productivity. Boosted sales are a key to gaining market share. Rest assured that the custom software will pay off soon if, of course, the number of your sales is enough. Small companies had better use the out-of-the-box software;
</li>
<li dir="ltr" aria-level="1">
Customization. Implementing different ideas is easier because your hands are untied. So, custom solutions are always about unique features and design.
</li>
<li dir="ltr" aria-level="1">
Higher competitiveness. Convenient software created for external users enhances your competitiveness by improving interaction with you and highlighting your service among other market players.
</li>
</ul>
Cons:
<ul style="list-style-type: disc;">
<li dir="ltr" aria-level="1">
Costs. Not every company can afford significant expenses in a short period of time. Moreover, in case of poor planning, there is a risk that the digital product won&rsquo;t pay off. That&rsquo;s why the discovery stage is so important (slightly higher investments save decent money);
</li>
<li dir="ltr" aria-level="1">
Time-consuming development. Planning and developing requires some time. Furthermore, it may be a challenge to find a professional development team with relevant experience.
</li>
</ul>
<h2 dir="ltr">What Will It Be?</h2>
Below, we have listed some recommendations on what kind of software to choose.
Out-of-the-box solutions are appropriate if:
<ul style="list-style-type: disc;">
<li dir="ltr" aria-level="1">
the final user is internal;
</li>
<li dir="ltr" aria-level="1">
your business is well understood and examined;
</li>
<li dir="ltr" aria-level="1">
you don&rsquo;t expect much user growth;
</li>
<li dir="ltr" aria-level="1">
the time is crucial;
</li>
<li dir="ltr" aria-level="1">
your team doesn&rsquo;t include developers.
</li>
</ul>
&nbsp;Software from scratch is most preferable if:
<ul style="list-style-type: disc;">
<li dir="ltr" aria-level="1">
the final user is external (a good attempt to enhance competitiveness);
</li>
<li dir="ltr" aria-level="1">
your business niche is new, it is poorly studied and, as result, the market isn&rsquo;t able to offer a suitable ready-made option;
</li>
<li dir="ltr" aria-level="1">
your audience is going to increase significantly;
</li>
<li dir="ltr" aria-level="1">
your company has developers or outsource cooperation isn&rsquo;t a problem;
</li>
<li dir="ltr" aria-level="1">
the project isn&rsquo;t time-sensitive.
</li>
</ul>
Thus, out-of-the-box software benefits are evident as well as digital products from scratch. The choice highly depends on the budget.
<img src="https://d12zh9bqbty5wp.cloudfront.net/ckeditor_assets/pictures/4389/content_1development_from_scratch_vs_ready-made_out-of-the-box_solutions-02.png" alt="" width="800" height="2271" />
<div>Feel free to <a href="https://agilie.com/contacts">contact us</a> if you have decided to surprise your customers with a user-friendly solution created from scratch.</div>
<div>&nbsp;</div>
&nbsp;

The comparison of out-of-the-box and custom software will help you decide which option to choose. Follow the link for more details.

There are many ready-made solutions for different business niches. But are they suitable for you?

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<span style="color: #0d0d0d; font-family: S&ouml;hne, ui-sans-serif, system-ui, -apple-system, 'Segoe UI', Roboto, Ubuntu, Cantarell, 'Noto Sans', sans-serif, 'Helvetica Neue', Arial, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; text-align: start; white-space-collapse: preserve; background-color: #ffffff;">Do you want to create a dynamic website effortlessly? We highly recommend using PHP web frameworks for ease.

Interested in ways to speed up and simplify web development without losing flexibility in working with functionality? We recommend using PHP web frameworks 

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<span style="color: #0d0d0d; font-family: S&ouml;hne, ui-sans-serif, system-ui, -apple-system, 'Segoe UI', Roboto, Ubuntu, Cantarell, 'Noto Sans', sans-serif, 'Helvetica Neue', Arial, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; font-size: 16px; white-space-collapse: preserve; background-color: #ffffff;">CoreData vs Realm, what to choose? We provide the in-depth comparison and answer you're looking for!

Considering database solutions? Don't know what to choose? We have the answer! Click here  ➤ and find out the best open source database!

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If you want to protect your site, you should use a Secure Socket Layer (SSL). But what is SSL? Read our article to find it out!

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We bring to your attention our new concept of a free animated toggle menu that can be helpful to web developers for creating websites. We hope you'll like our menu and find a way to use it in your development practice.
<h2 dir="ltr" style="text-align: justify;">What is Animated Toggle Menu? </h2>
Our animated toggle menu is both spectacular and ergonomic, and that's why it will be highly appreciated by users of any site. Luckily, we avoided the mistake often being made by web developers who create expressive but "heavy" site design. Our animated toggle menu is visually appealing, laconic and easy-to-use.
<img style="border: none; display: block; margin-left: auto; margin-right: auto;" src="https://d12zh9bqbty5wp.cloudfront.net/images/f9e66e179b6747ae54108f82f8ade8b3c25d76fd30afde6c395822c530196169-1676556953699.gif" alt="yes_2.gif" width="512" height="384" />
We offer you lightweight, open-source menu which requires minimum lines of code. By using this menu, you&rsquo;ll be able to create a stylish and user-friendly website for all the clients.
<h2 dir="ltr" style="text-align: justify;">How to use?</h2>
Animated Toggle Menu uses css3 animations, as well as the <a href="https://cdnjs.com/libraries/jquery/">jQuery library</a>.
To take the full use of the menu, add the following block after opening the &lt;body&gt; tag:
<pre><code class="language-javascript">&lt;div class=&ldquo;menu-overlay&rdquo;&gt;&lt;/div&gt;</code></pre>
In order to add the menu itself, you need this code:
<pre><code class="language-javascript">&lt;div class="menu"&gt; &lt;div class="hamburger-menu-wrapper"&gt;

&lt;button class="hamburger-menu"&gt;

&lt;span&gt;toggle menu&lt;/span&gt;

&lt;/button&gt;

&lt;/div&gt;

&lt;div class="menu-list"&gt;

&lt;a href="#"&gt;Link 1&lt;/a&gt;&lt;br&gt;

&lt;a href="#"&gt;Link 2&lt;/a&gt;&lt;br&gt;

&lt;a href="#"&gt;Link 3&lt;/a&gt;&lt;br&gt;

&lt;a href="#"&gt;Link 4&lt;/a&gt;&lt;br&gt;

&lt;/div&gt;

&lt;/div&gt;</code></pre>
Remember, the "menu" class is going to take 100% wide.
js for the menu:
<pre><code class="language-javascript">(function() {

'use strict';

$('.hamburger-menu').click(function (e) {

e.preventDefault();

if ($(this).hasClass('active')){

$(this).removeClass('active');

$('.menu-overlay').fadeToggle( 'fast', 'linear' );

$('.menu .menu-list').slideToggle( 'slow', 'swing' )

} else {
 $(this).addClass('active');

$('.menu-overlay').fadeToggle( 'fast', 'linear' );

$('.menu .menu-list').slideToggle( 'slow', 'swing' );

$('.hamburger-menu-wrapper').toggleClass('bounce-effect');

}

})

})();</code></pre>
And, of course, don&rsquo;t forget to connect jQuery library.
&nbsp;
We hope you found our animated toggle menu appealing and useful. Feel free to take full advantage of it during the website development.
You can also visit <a href="https://github.com/agilie/AnimatedToggleMenu">this page</a> to learn more about our menu.

We bring to your attention our new concept of a free animated toggle menu that can be helpful for creating websites.&nbsp;

The article about a free animated toggle menu

Animated Toggle Menu

In 2016, we took on ticket booking apps, tried making banking apps more visually appealing, tested different interactions for e-commerce apps, and a lot of other stuff. In this article, you'll see the animations Agilie's design studio had been crafting throughout the last year.
Let&rsquo;s start!
<h3><a href="https://dribbble.com/shots/3060365-Banking-app">Banking app concept</a></h3>
by Lina Lysenko
<img style="width: 640px; height: 480px;" src="https://d12zh9bqbty5wp.cloudfront.net/ckeditor_assets/pictures/243/content_2_banking_app.gif" alt="banking app animation" />
Most banking apps are quite dull-looking, and working with them sometimes feels really like going into a bank - boring and uninspiring. In this concept, we decided&nbsp;to add some colors to the digital banking routine and imagine how to make a banking app stand out from a bunch of other similar apps.
<h3><a href="https://dribbble.com/shots/2896331-Flash-Garage-concept">Energy saving and management app concept</a></h3>
by Alexey Radzhabov
<img style="width: 640px; height: 480px;" src="https://d12zh9bqbty5wp.cloudfront.net/ckeditor_assets/pictures/244/content_flash_garage.gif" alt="energy saving app" />
Little by little, the electric power is replacing gasoline and even being employed in more unexpected cases. The Flash Garage project aims to help you track the statuses of your batteries on your electricity-powered skateboard, bicycle or scooter.
<h3><a href="https://dribbble.com/shots/2832006-Cinema-App">Cinema tickets booking app concept</a></h3>
by Yegor Kosinov
<img style="width: 400px; height: 301px;" src="https://d12zh9bqbty5wp.cloudfront.net/ckeditor_assets/pictures/255/content_4_-cinema_app_gif11.gif" alt="Cinema app" />
We at Agilie are all keen movie lovers and, therefore, moviegoers. That&rsquo;s why we&rsquo;re so concerned about finding new visually appealing and convenient ways to buy cinema tickets. This concept is one of such takes on quick and easy ticket booking process - just choose a movie, make few taps, and here you go with your digital ticket.
<h3><a href="https://dribbble.com/shots/3132086-Booking-concept">Easy tickets booking app concept</a></h3>
by Yegor Kosinov
<img style="width: 400px; height: 300px;" src="https://d12zh9bqbty5wp.cloudfront.net/ckeditor_assets/pictures/254/content_1_-booking_app_concept11.gif" alt="ticket booking" />
And here's a slightly different approach to online ticket booking.
We often buy cinema, concert, or even theater tickets online while being on the move. In such situations, tiny input forms turn the booking process into quite a painful endeavor. This concept of a cinema ticket booking app that solves the problem by offering large UI elements and employing simple gestures to make the ticket-buying process fast and convenient, regardless the situation.
<h3><a href="https://dribbble.com/shots/2879618-Chat-App">Material-based design concept for a messaging app</a></h3>
by Lina Lysenko
<img style="width: 640px; height: 480px;" src="https://d12zh9bqbty5wp.cloudfront.net/ckeditor_assets/pictures/245/content_5_chat_app.gif" alt="messaging app material" />
Here, we experimenting a little with applying Google&rsquo;s Material Design to a messaging app. Navigating through a simple card layout, a user can make calls, and create group and secret chats.
<h3><a href="https://dribbble.com/shots/2781759-Financial-App-Onboarding">Wirex</a><a href="https://dribbble.com/shots/2781759-Financial-App-Onboarding"> financial app onboarding</a></h3>
by Lina Lysenko
<img style="width: 640px; height: 480px;" src="https://d12zh9bqbty5wp.cloudfront.net/ckeditor_assets/pictures/246/content_6_financial_app_onboarding.gif" alt="" />
Meet the onboarding animation for a <a href="blog/your-own-cryptocurrency-from-scratch-everything-you-need-to-know-to-create-your-cryptocurrency">Wirex</a>, a financial app designed by the Agilie team.&nbsp;The onboarding showcases how easy a user can manage your bitcoins and card accounts using the Wirex app: send, convert, and manage money with just a few taps with the Wirex application.
<h3><a href="https://dribbble.com/shots/2902496-Payment-preloader">Payment preloader for </a><a href="https://dribbble.com/shots/2902496-Payment-preloader">a tickets</a><a href="https://dribbble.com/shots/2902496-Payment-preloader"> booking app</a></h3>
by Yegor Kosinov
<img style="width: 640px; height: 480px;" src="https://d12zh9bqbty5wp.cloudfront.net/ckeditor_assets/pictures/247/content_7_payment_preloader.gif" alt="online payment preloader" />
Most of us prefer buying tickets online using a mobile app. But we don't like staring at an empty screen while waiting for the payment approval. So why not to wait for it with some popcorn?
<h3><a href="https://dribbble.com/shots/2637299-Carousel">Carousel view concept for a shopping website</a></h3>
by Alexey Radzhabov
<img style="width: 640px; height: 480px;" src="https://d12zh9bqbty5wp.cloudfront.net/ckeditor_assets/pictures/248/content_8_carousel.gif" alt="shopping carousel" />
Why not try something new for shopping websites? Here's an elegant&nbsp;carousel for the product catalog. It turns showcasing items into a fun, interactive process.&nbsp;
<h3><a href="https://dribbble.com/shots/2608426-STITCH-Shopping-app-UI-Kit">Animated UI kit for an e-commerce app</a></h3>
by Lina Lysenko
<img style="width: 640px; height: 480px;" src="https://d12zh9bqbty5wp.cloudfront.net/ckeditor_assets/pictures/252/content_stitch.gif" alt="shopping app UI kit" />
An elegant and clean UI kit for the concept of a&nbsp;shopping app called <a href="https://dribbble.com/shots/2485821-S-T-I-T-C-H">STITCH</a>. All components here are vector-based, fully compatible and editable. Layers are organized, carefully named and grouped.
<h3><a href="https://dribbble.com/shots/2558081-Tomplay-icons-animation">Animated icons for a music app</a></h3>
by Alexey Radzhabov
<img style="width: 640px; height: 480px;" src="https://d12zh9bqbty5wp.cloudfront.net/ckeditor_assets/pictures/249/content_10_tomplay.gif" alt="animated icons" />
Animated icons are a good tool to make interactions fun and intuitive. <a href="https://www.behance.net/gallery/34364779/Tomplay-interactive-sheet-music">Tomplay</a>, an interactive sheet music app allows students to learn and practice playing numerous music instruments, learn different scores, and make own scores and recordings.
&nbsp;
The year 2017 has only begun, but it promises to be even more productive for our team. We have already crafted some new cool animations which you can check out on our&nbsp;<a href="https://dribbble.com/agilie">team page on Dribbble</a>. Also, take a look at Agilie's&nbsp;<a href="https://www.behance.net/agiliebunny">projects on Behance</a> and follow our <a href="https://www.pinterest.com/agilieninja/">brand new Pinterest page</a>.&nbsp;
Oh, and don&rsquo;t miss new stories on our <a href="https://medium.com/@agile_ninjas">Medium blog</a> - there will be a lot of interesting stuff on UI/UX design and app development coming this year!

In 2016, we took on ticket booking apps, tried making banking apps more visually appealing, tested different interactions for e-commerce apps.

Best animations 2016 by the Agilie design team

Agilie Design: The Year 2016 in Animations

Alexander Volk, our Head of Design, shares transformative insights in his articles, which turn into vital resources for both rising and experienced designers.

Alexander Volk - Head of Design Department at Agilie

Alexander Volk

For its readers, Sergey's articles contain guidelines, strategies, methods, and instruments that are crucial to mastering diverse technologies.

Sergey Melashich - CTO at Agilie

Sergey Melashich

The various articles written by Alina clearly expose a valuable approach to developing an effective development team and convey the comprehension of translating complex processes into beneficial solutions.

Alina Danets - COO at Agilie

Alina Danets

Artem Tarasenko has a lot of experience in React and is the author of many articles and tutorials that describe complex approaches and workflows in front-end development.

Artem Tarasenko - TL of React Department at Agilie

Artem Tarasenko

Sergeys’ articles describe success in the context of continued growth in today’s modernized environment as well as the emerging trends in the technological sector.

Sergey Gladun - CEO & Founder at Agilie

Sergii Gladun

Kate crafts article through her strategic thinking lens to respond not only to the current market but also to act proactively and construct excellent and sound financial products or services that can fulfill the clients’ expectations.

Kate Myronenko - Head of Business Unit at Agilie

Kate Myronenko

Michael writes articles about design and the creation of making solutions which are efficient, good and unique in concept, design, fabrication.

Michael Liptuga - Delivery Director at Agilie

Michael Liptuga

It is quite likely that readers armed with Sergii's in-depth knowledge of iOS technologies will develop applications that bear great consideration for Apple’s environmental guidelines and at the same time are creative and innovative. 