What is a Fractional CTO?

A fractional CTO provides part-time technology leadership to drive innovation and business growth without a full-time commitment.

How can a Fractional CTO support digital transformation?

A fractional CTO offers expertise in cloud migration, DevOps practices, and building scalable technology solutions aligned with business goals.

What are the benefits of hiring a Fractional CTO?

Businesses gain cost-effective, high-level technology leadership without the financial burden of a full-time executive.

Case study · lending

Fractional CTO for Digital Transformation

MG Group was a traditional lender: physical branches, and a deploy that took days. It ended as a fintech platform with a mobile app, its own credit-risk engine, and an acquisition. Here's how that went.

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Diagnosis

Challenges of Digital Transformation

The hard part was never the technology. MG Group had a working business; what it did not have was a way to ship quickly, a team built for what came next, or systems that talked to each other. Four things were in the way.

Legacy systems that capped both how fast the team could grow and how fast anything shipped.

Everyday operations that took longer than the business could afford.

No reliable way to attract the technical talent the next phase needed.

Systems that did not integrate with modern tools, or with each other.

In practice

Solutions in Action: A Case Study

I led MG Group from traditional lender to fintech platform. What that took:

Building the Team

Recruited T-shaped engineers: deep in one area, capable across the neighboring ones, so one person could carry a problem from end to end.

Architectural Redesign

Moved the monolith onto containerized services and serverless functions, which made the system easier to maintain and to scale.

DevOps Transformation

Built a DevOps culture around continuous delivery. Deployment went from days to minutes, with several deploys a day and 99.9% uptime.

Credit Risk Engine

Extended the in-house scoring engine and connected it to the credit bureaus and central bank data. The company could then lend to people without a traditional banking history.

Mobile App Launch

Launched a native and web app where borrowers see their loans, insurance and receipts, and dealerships publish their cars.

Auto Marketplace

Built a used-car marketplace with instant financing. That became a direct sales channel to the end buyer.

Impact

Results

Fractional CTO · Lending → Fintech

MG Group came out of it as a fintech platform. The car business spun off into Prendo, a marketplace connecting car buyers and agencies, and a major insurance group bought part of the company.

99.9%

availability

Minutes

per deploy, down from days

A cloud architecture that scales with the business.
Lending decisions informed by credit bureau and central bank data.
Credit scoring that works for people without a banking history.
A mobile app in use by borrowers and dealerships.

Next step

Ready for Your Own Transformation?

Tell me where you are stuck, and I'll tell you which parts of this case apply to yours.

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