CASE STUDY
FINTECH
Simplifying Finances for Freelancers

Learn how Raiffeisenbank International and Creative Dock launched Fairo, a mobile banking app tailored to streamline financial management for freelancers in Europe.

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The client

Raiffeisenbank International

Raiffeisenbank International (RBI) is a leading banking group in Central and Eastern Europe.

The Challenge

Meeting the Financial Needs of European Freelancers

01

Addressing Financial Complexity

Freelancers often struggle with the administrative side of their work, including invoicing, tracking expenses, and managing taxes. RBI needed a solution to simplify these processes for freelancers

02

Navigating the Ukrainian Market

Ukraine, chosen as the initial market due to its growing freelance sector, presented unique challenges, such as frequent changes in tax payment details and limited open banking integration.

03

Adapting to External Challenges

The war in Ukraine and resulting geopolitical instability led to RBI temporarily suspending the banking functions of Fairo, requiring a pivot to strengthen the app’s non-banking capabilities.

discover FAIRO

Fairo: A User-Friendly App that Takes the Hassle out of Freelance Finances

Invoices created in 60 seconds
Automated tracking of invoice payments
Real-time tax calculations and reminders
Automatic transaction sorting for bookkeeping
Direct income tax report submissions

fairo and Creative Dock

Results

158,000 logins in Ukraine

51,000 logins in Romania

3,500 tax reports submitted in Ukraine

Who we are

Bridging fintech strategy with hands-on execution

At Creative Dock, we have a proven track record in developing, launching, marketing, and scaling cutting-edge fintech solutions together with industry leaders worldwide.

About us

WHAT WE DO

Our product expertise includes

Embedded finance
Mobile banking
Digital Payments
Blockchain solutions

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The Creative Dock blueprint

360-degree business building

From idea through scaling to operations, we go beyond advising—we execute.

Fast-tracking your fintech success

Accelerate your fintech solutions with our in-house methodology. Launch within 3 to 4 months.

Resilience & lasting success

Build a business that stands the test of time with the help of our Strategic Foresight service.

medailon of Petr Zibrid

DIRECTOR OF FINTECH PRODUCTs

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