Fractional or Interim CTO for Your Businesses
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Filip Jakubowski
Filip is a distinguished Fractional CTO with a robust background in fintech and AI, catering to startups from inception to growth phases. With an impressive track record dating back to 2002, Filip has pioneered several groundbreaking projects including the UK's first mobile digital bank and a modern payment solution part of Australia's Open Banking Sandbox. His expertise in fintech is further highlighted by his work on a digital bank in Eastern Europe and an insurance management solution featuring an AI-driven quotation engine.
Filip's role as the Chief Technology Officer at Koia Consulting has seen him driving product innovation and building scalable, resilient software architectures, significantly impacting the fintech landscape. As a founding CTO at Human AI Pte Ltd, he has enhanced cash flow optimization in B2B2C ecosystems through AI technology. Filip's passion for technology and mentorship makes him an ideal partner for startups looking to navigate the complex waters of early-stage and growth-phase development.
Our Clients
Our Partnerships
Who is Fractional CTO?
A Fractional CTO, or Chief Technology Officer, is a part-time executive who provides technology leadership to organizations without the need or resources to employ a full-time CTO. This role is especially beneficial for startups, small to mid-sized businesses, or companies undergoing transitional phases that require expert guidance in technology strategy, development, and implementation but cannot justify the expense of a full-time position.
A Fractional CTO brings a wealth of experience and expertise, offering strategic insights to drive technology decisions that align with the company’s goals. They play a crucial role in areas such as software development, infrastructure upgrades, cybersecurity, and technology stack evaluation. Additionally, they help in building and leading tech teams, managing budgets, and ensuring that technology implementations enhance operational efficiency and competitive edge.
This setup not only provides businesses with access to top-tier tech leadership at a fraction of the cost but also allows them to scale their technology efforts flexibly as the company grows or as project needs change. Essentially, a Fractional CTO serves as a strategic partner, guiding technology choices that will support business objectives and foster growth.
Differences between Fractional and Interim CTO
A Fractional CTO, or Chief Technology Officer, is a part-time executive who provides technology leadership to organizations without the need or resources to employ a full-time CTO. This role is especially beneficial for startups, small to mid-sized businesses, or companies undergoing transitional phases that require expert guidance in technology strategy, development, and implementation but cannot justify the expense of a full-time position.
A Fractional CTO brings a wealth of experience and expertise, offering strategic insights to drive technology decisions that align with the company’s goals. They play a crucial role in areas such as software development, infrastructure upgrades, cybersecurity, and technology stack evaluation. Additionally, they help in building and leading tech teams, managing budgets, and ensuring that technology implementations enhance operational efficiency and competitive edge.
This setup not only provides businesses with access to top-tier tech leadership at a fraction of the cost but also allows them to scale their technology efforts flexibly as the company grows or as project needs change. Essentially, a Fractional CTO serves as a strategic partner, guiding technology choices that will support business objectives and foster growth.
Why to hire Fractional CTO?
A Fractional CTO brings a wealth of knowledge and experience in technology leadership without the full-time salary expense. This access to expertise helps in crafting strategies that incorporate the latest technological innovations and industry best practices
For many companies, especially startups and small businesses, the cost of a full-time CTO can be prohibitive. A Fractional CTO provides the same level of guidance and expertise but at a fraction of the cost, since they work on a part-time or contractual basis.
Companies can adjust the involvement of a Fractional CTO based on their current needs, projects, or strategic direction. This flexibility allows for efficient allocation of resources and enables the company to respond swiftly to changes in the market or technology landscape.
Companies can adjust the involvement of a Fractional CTO based on their current needs, projects, or strategic direction. This flexibility allows for efficient allocation of resources and enables the company to respond swiftly to changes in the market or technology landscape.
As a company grows, its technological needs will evolve. A Fractional CTO can guide this evolution, ensuring that the company's technology infrastructure scales effectively to meet demand without overextending resources.
With their extensive experience, Fractional CTOs are adept at identifying potential technological risks and implementing strategies to mitigate them. This includes cybersecurity threats, compliance issues, and ensuring that technology projects are aligned with the company’s risk tolerance.
They can oversee the implementation of new technologies, manage IT projects, and ensure that technology investments align with the company’s goals. This strategic oversight ensures that technology acts as a lever for growth rather than a source of continuous challenges.
For companies without a dedicated IT department, a Fractional CTO can serve as the crucial link between executive leadership and technology implementation. They ensure that technology strategies are effectively communicated and executed across the company..
Our Services
Strategic Planning and Advisory
Developing and refining the company's technology strategy in line with its business objectives. This includes advising on technological trends, innovations, and investments that can drive growth and competitive advantage.
Technology Leadership and Management
Offering leadership to the company's technology teams and projects, including managing developers, IT staff, and overseeing technology-related decisions at the executive level.
Digital Transformation and Innovation
Guiding companies through digital transformation initiatives to improve efficiency, customer experience, and to capitalize on digital opportunities. This may also involve fostering a culture of innovation within the organization.
Technology Roadmap Development
Creating a detailed plan that outlines the specific technologies and systems the company will implement over time to support its strategic objectives. This includes prioritization of technology investments and project timelines.
IT Infrastructure and Architecture
Assessing and optimizing the company's IT infrastructure and architecture to ensure it is scalable, secure, and efficient. This includes cloud services, data management, and cybersecurity measures.
Product Development and Management
Overseeing the development of new technology products or services, from concept through launch. This includes product strategy, design, development, and lifecycle management.
Risk, Security, and Compliance
Identifying and mitigating technology risks, ensuring the security of data and IT systems, and maintaining compliance with relevant laws and standards. This is crucial for protecting the company and its customers from cyber threats and legal issues.
Operational Efficiency and Automation
Implementing technologies and processes that streamline operations, improve efficiency, and reduce costs. This can involve automating repetitive tasks, optimizing workflows, and leveraging data analytics.
Vendor and Partnership Management
Managing relationships with technology vendors and partners, including negotiations, contracts, and collaboration on technology solutions. This ensures the company gets the best value and support from its technology providers.
Due Dilligence
Koia Consulting offers expert Due Diligence services, focusing on fintech. We thoroughly assess financial, legal, and operational risks to ensure informed decisions and secure investments. Trust our precision and strategic insight to navigate complex transactions with confidence.
Talent and Resource Allocation
Advising on the hiring, development, and organization of technology-related human resources. This includes planning for the growth of the team, skill development, and optimal resource allocation to projects