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:
Alright, you've changed your scorecards by using alternative data. How can you check if they work well? What metrics you should measure? Check out the article.
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Discover how BNPL reshapes lending as split payments boost access and alternative credit scoring helps manage rising credit risk.
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Learn to identify high-value borrowers early: pretransaction signals predict lifetime value and reduce default risk.
Explore the booming BNPL market and uncover how RiskSeal helps providers tackle rising fraud, defaults, and risk assessment challenges.
Explore how IP address analysis improves credit risk assessment, detects fraud, and reduces loan defaults.
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Discover how social media profiling enhances credit risk management by analyzing digital footprints.
Explore how alternative data transforms credit scoring in 2025. Boost inclusion, reduce fraud, and grow your lending success.
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Explore how email address analysis can provide alternative data for credit scoring, impacting loan approval rates.