Artem Lalaiants
Artem Lalaiants is the CEO and Co-Founder of RiskSeal, with over 14 years of experience in fintech and risk management.
Artem doesn’t just write about digital credit scoring and alternative data in fintech. He builds the systems behind it. That hands-on, practitioner perspective shapes everything he publishes on the RiskSeal blog.
Under Artem’s leadership, RiskSeal has grown from an early-stage concept into a trusted platform. It is now serving consumer lenders across Asia, Africa, Central and Eastern Europe, LATAM, North America, and the Middle East.
He walked RiskSeal through a successful investment round with Inovo.vc, one of the largest venture capital firms in Central and Eastern Europe.
Under Artem’s leadership, the company also achieved ISO 27001 certification in 2025.
Before founding RiskSeal, Artem held senior engineering and leadership roles. This includes Cloud Engineer, Lead DevOps Engineer, and Director of Product. He is also Co-Founder and Strategic Advisor at Darly Solutions, a custom software development firm.
Publications
Artem contributes regularly to Forbes Councils, where his published work examines fraud prevention and credit risk through a data-first lens.
His articles include:
- Five Real-Time Data Points Changing How Borrowers Are Assessed
- How to Dodge Three Fraud Threats That Are Costing Lenders Billions
- Why Credit Risk Starts With Identity Risk
- The Credit Risk Paradox: When More Data Creates More Blind Spots
His insights have also been featured beyond Forbes.
This includes an interview with Fintech News on building RiskSeal and expanding credit access, and a byline in The Fintech Times on why 2025 broke traditional credit models.
Expertise
- Alternative credit scoring
- Digital footprint intelligence
- Digital identity verification
- Fraud detection and prevention
- Credit risk assessment and underwriting
- Real-time data analysis
- Software architecture
- Product strategy
- Fintech product development for emerging markets
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Explore Artem’s latest articles below:
Identify the growing threat of financial fraud, explore its impact, and discover how digital footprint analysis helps prevent fraudulent activities.
Discover what 6 million loan applications reveal about how digital credit scores predict repayment behavior and expand access to fair credit.
Discover how forward-thinking customer risk assessment can turn risk into revenue with alternative data, AI, and continuous monitoring.
Explore data enrichment with this hands-on guide. Learn onboarding best practices, avoid common pitfalls, and see real use cases.
Learn key behavioral data types, real-world use cases, and benefits for lenders.
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Explore key trends in alternative credit scoring that empower fintechs to assess unbanked populations.
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Learn why ISO/IEC 27001:2022 certification matters for financial companies and explore the steps RiskSeal took to achieve it.
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Learn how data enrichment enhances credit risk models by filling gaps, spotting fraud early, and supporting inclusive lending.