<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title>Signal by Vladimir Klepic</title><description>Practical writing on technical strategy, product architecture and fintech infrastructure.</description><link>https://www.klepic.fr/</link><language>en</language><item><title>Credit routing infrastructure: separate orchestration from underwriting</title><link>https://www.klepic.fr/blog/credit-routing-infrastructure/</link><guid isPermaLink="true">https://www.klepic.fr/blog/credit-routing-infrastructure/</guid><description>An engineering approach to multi-bank credit platforms: clarify decision ownership, isolate bank adapters and preserve application history across handoffs.</description><pubDate>Thu, 01 Oct 2026 00:00:00 GMT</pubDate><category>credit infrastructure</category><category>bank integrations</category><category>UEMOA</category><category>fintech architecture</category></item><item><title>Building an expert marketplace: connect booking, video and payment</title><link>https://www.klepic.fr/blog/expert-marketplace-lifecycle/</link><guid isPermaLink="true">https://www.klepic.fr/blog/expert-marketplace-lifecycle/</guid><description>How to scope an expert consultation platform around a complete booking lifecycle, with explicit ownership of availability, payment and failure recovery.</description><pubDate>Thu, 01 Oct 2026 00:00:00 GMT</pubDate><category>marketplace development</category><category>MVP</category><category>SaaS</category><category>payments</category></item><item><title>The first CTO decisions: start with the workflow, not the stack</title><link>https://www.klepic.fr/blog/first-cto-decisions/</link><guid isPermaLink="true">https://www.klepic.fr/blog/first-cto-decisions/</guid><description>A practical architecture brief for founders: identify decision owners, failure states and operating constraints before choosing tools or expanding the team.</description><pubDate>Thu, 01 Oct 2026 00:00:00 GMT</pubDate><category>technical strategy</category><category>fractional CTO</category><category>software architecture</category></item></channel></rss>