Skills
About
Tamara Kostova is a fintech founder and industry leader with more than 20 years of experience spanning capital markets, banking and financial technology. Having founded, scaled and exited an international wealthtech company, she is now focused on the future of AI in finance and how technology can make finance more human and wealth creation more inclusive. As one of the founding fintech members of the Senior Executive Think Tank, she brings a practitioner’s perspective to the conversations shaping this future. Tamara is the Founder and CEO of AllVesta, where she is building the behavioural intelligence layer for retail investing. AllVesta helps financial institutions understand the human being behind the money and turn retail savers into confident long-term investors, addressing one of the industry’s most important challenges: why millions of people who have access to investing still do not invest. She previously founded and scaled Velexa, a WealthTech100 company that partnered with banks, brokers and wealth firms to expand access to regulated digital investing infrastructure across Europe, the US, Asia and the Middle East. Following its international growth, the company was successfully acquired in 2025. Earlier in her career, Tamara held senior roles at DXC Technology, Deutsche Bank, UBS and Thomson Reuters, working across trading floors, technology transformation and the modernisation of financial markets. Tamara is a Forbes Business Council member, advisor and mentor to fintech founders, and an active contributor to the UK and European fintech ecosystems. Her leadership has been recognised internationally, including Female Leader of the Year by Forbes Bulgaria, Best Female Entrepreneur at the Stevie Awards, and the Global CXO Business Leadership Excellence Award.
Tamara Kostova
Published content
expert panel
AI is already reshaping fraud prevention, account monitoring and personal finance tools, but fintech leaders say the industry is still falling short on transparency and on truly understanding the people behind the transactions. Members of the Senior Executive FinTech Think Tank break down where the technology is delivering real value, where it's falling short and what leaders should do next.Financial institutions have poured billions into artificial intelligence over the past two years, and the payoff is starting to show. Fraud detection is sharper, customer service is faster and personalization has moved well past generic marketing emails. Yet those gains have exposed a deeper challenge: an IDC study commissioned by Atlanta-based Sage found that 71% of finance leaders would reject an AI tool that was 99% accurate if it couldn't explain its answers. More than half would pay a premium for AI that shows its work. For every leap forward, executives are discovering how much further the industry has to go when it comes to transparency, customer trust and understanding people rather than simply transaction histories.To make sense of where AI is truly moving the needle in financial services, and where the industry keeps stumbling, we turned to members of the Senior Executive FinTech Think Tank, a curated group of financial technology leaders and advisors. Their answers point to a pattern: the easy wins are technical, and the harder, more valuable work is human.Here, they share where they see AI creating meaningful change today, and where they believe the industry is still getting it wrong.
Company details
AllVesta
Company bio
AllVesta is building the behavioural intelligence layer for retail investing. Financial institutions have given millions of people access to investing, yet many still do not invest. AllVesta helps banks, asset managers and wealth platforms understand the human being behind the money, identifying the confidence gaps, behavioural barriers and decision patterns that prevent people from taking action. Through AI-powered Investor DNA and personalised behavioural journeys, AllVesta helps financial institutions turn retail savers into confident long-term investors. Our mission is to show how AI can make finance more human and wealth creation more inclusive.