Black Fintech
How Financial Technologies Learned to Manage Human Behavior
Understand how financial products shape our choices.
Financial technologies promised access, speed, and fairness, and fulfilled some of those promises. At the same time, they learned to manage a person’s behavior before that person has time to notice it.
Drawing on more than a decade inside the industry, Ivan Grigorev examines credit, scoring, neobanks, gambling, scams and algorithmic control. The book follows the mechanisms: how individually rational decisions can produce harm, and where harm becomes deliberate deception.
For readers working in finance, technology, product and risk — and anyone who wants to understand the systems that influence their financial decisions.
Translated from Russian, preserving the author’s structure, rhythm and analytical voice. A complete digital edition, including notes and sources. Published by Ivan Grigorev, 2026.
From trust to algorithmic power.
I. The Origins of Fintech
How trust became a system, and how financial technologies developed across countries.
II. The Golden Age of Fintech
Banks, payments, cryptocurrencies, regulation and the infrastructure behind financial services.
III. The Digital Power of Money
Capital, identity, data and the institutions that shape access to finance.
IV. The Dark Side of Fintech
Credit and debt, gambling, scams, dependency and algorithmic control.
V. The Future
Fintech in 2035, human-centered technologies and the limits of a world built around access.
Your English
edition.
The complete book in PDF and EPUB. After payment confirmation, your download page opens and a link is sent to your email.
- All 33 chapters, introduction, conclusion and sources
- PDF + EPUB in one ZIP archive
- Download link available for 30 days
Black Fintech · English
Approx. US$38.49
Robokassa checkout: 3,290 RUB. The USD reference uses the Bank of Russia rate dated 8 October 2026. Your card issuer determines the final conversion and any fees.
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Before you buy
Which language and formats will I receive?
The complete English translation in PDF and EPUB, delivered together in a ZIP archive. The Russian edition is sold separately. No printed book is included.
How does payment work?
Pay through Robokassa. The charge is 3,290 RUB; the USD figure is an indicative equivalent using the exchange rate dated 8 October 2026. Your bank determines the amount in your card currency and any conversion fees. International card acceptance depends on the issuing country and bank.
When will I receive the files?
After Robokassa confirms payment, your order page provides the download link. The same link is sent to your email and remains available for 30 days. If you have trouble accessing the files, email hello@human-fintech.com.
Is the Russian edition included?
This order contains the English translation. The Russian edition is sold separately. A personal purchase is for one reader.