--- title: How owning your tech means owning your future description: Ron Shteinberg, Senior Director of Product Delivery, discusses the importance of proprietary tech and adaptability to change in payments. image: https://www.cashflows.com/hubfs/Blog%20images/Blog%20Images%202021/Blog%20image%20Ron.jpg --- [![blue_logo](https://www.cashflows.com/hs-fs/hubfs/Blog%20images/Blog%20Images%202021/blue_logo.png?width=143&height=26&name=blue_logo.png) ](https://www.cashflows.com) - Products - [ Payment Processing ](https://www.cashflows.com/solutions/payment-processing) ![payment-processing-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payment-processing-icon.svg) #### [Payment Processing](https://www.cashflows.com/solutions/payment-processing) Fast, secure, easy - card processing to support your business #### [Anytime Settlement Get access to your funds within hours](https://www.cashflows.com/solutions/anytime-settlement) #### [Account Updater Automatically update lost or stolen card details](https://www.cashflows.com/solutions/account-updater) #### [Direct Send Pay out to card in minutes](https://www.cashflows.com/solutions/instant-payout) #### [3D Secure V2.2 Get ready for two-factor authentication](https://www.cashflows.com/solutions/3d-secure) #### [Network Tokens Revolutionizing digital transactions](https://www.cashflows.com/solutions/network-tokens) - [ In-Person Payments ](https://www.cashflows.com/solutions/point-of-sale) ![payments-in-person-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payments-in-person-icon.svg) #### [In-Person Payments](https://www.cashflows.com/solutions/point-of-sale) All you need for taking card payments in person #### [SUNMI P3 Seamless, secure and speedy payments](https://www.cashflows.com/solutions/sunmi-p3) #### [SUNMI P2 SE Smart POS with the power of Android](https://www.cashflows.com/solutions/sunmi-p2-se) #### [SUNMI P3 Mix All-in-one POS solution for business](https://www.cashflows.com/solutions/sunmi-p3-mix) #### [Countertop card machine Castles Vega Countertop specifications](https://www.cashflows.com/countertop-card-machine) #### [Mobile card machine Castles Vega 3000 Mobile specifications](https://www.cashflows.com/mobile-card-payment-machine) #### [Smart POS card machine Castles Saturn 1000 F2 specifications](https://www.cashflows.com/smart-pos-card-machine) #### [Compare Card Machines Compare our latest card machines](https://www.cashflows.com/compare-card-machines) - [ Payment Gateway ](https://www.cashflows.com/solutions/online-payments) ![online-payments-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/online-payments-icon.svg) #### [Payment Gateway](https://www.cashflows.com/solutions/online-payments) Start taking payments online today #### [Hosted Checkout Easy, secure and compliant payments for your website](https://www.cashflows.com/solutions/hosted-checkout) #### [Virtual Terminal Phone payments made easy for your team](https://www.cashflows.com/solutions/virtual-terminal) #### [Pay by Link Take card payment on invoices and emails](https://www.cashflows.com/solutions/pay-by-link) #### [Cashflows Portal Access to your data and payment tools in real-time](https://www.cashflows.com/solutions/cashflows-portal) #### [Click to Pay The revolutionary digital wallet](https://www.cashflows.com/solutions/click-to-pay) - [ Fast Onboarding ](https://www.cashflows.com/solutions/fast-onboarding) ![CF NAV - Faster Customer Onboarding 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Faster%20Customer%20Onboarding%202024.svg) #### [Fast Onboarding](https://www.cashflows.com/solutions/fast-onboarding) A game-changing tool that puts you in control of your customer applications - [ Omnichannel ](https://www.cashflows.com/solutions/omnichannel) ![omnichannel-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/omnichannel-icon.svg) #### [Omnichannel](https://www.cashflows.com/solutions/omnichannel) Take payments wherever your customers shop - [ Cashflows Advance ](https://www.cashflows.com/solutions/cashflows_advance) ![Cashflows Advance](https://www.cashflows.com/hubfs/Cashflows%20Advance.svg) #### [Cashflows Advance](https://www.cashflows.com/solutions/cashflows_advance) Alternative business financing - [ Solutions for sectors ](https://www.cashflows.com/solutions/solutions-for-sectors) ![CF NAV - Solutions for Sectors 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Solutions%20for%20Sectors%202024.svg) #### [Solutions for sectors](https://www.cashflows.com/solutions/solutions-for-sectors) Your industry supported with card payments #### [Retailer payment systems Retail payment solutions to support your business.](https://www.cashflows.com/solutions/retail) #### [Insurance payment processing Seamless payment processing for Insurance, Brokers and MGA's.](https://www.cashflows.com/solutions/insurance) #### [Financial services payment solutions From recurring billing, to payout, we’re ready to support you.](https://www.cashflows.com/solutions/financial-services) #### [Veterinary payment systems Payments you can trust to help your business grow.](https://www.cashflows.com/solutions/vets) #### [Dental payment systems Seamless and secure systems for dental payments.](https://www.cashflows.com/dental-payment-systems-cashflows) - [Partner with us ](https://www.cashflows.com/solutions/partnership-opportunities) - [Shift ](https://www.cashflows.com/shift) - About - Resources - Support - [Developers ](https://developer.cashflows.com/) [ Login ](https://www.cashflows.com/login) [ Contact sales ](https://www.cashflows.com/contact) **** - Products - [![payment-processing-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payment-processing-icon.svg) #### Payment Processing Fast, secure, easy - card processing to support your business ](https://www.cashflows.com/blog/how-owning-your-tech-means-owning-your-future#Payment-Processing) - [![payments-in-person-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payments-in-person-icon.svg) #### In-Person Payments All you need for taking card payments in person ](https://www.cashflows.com/blog/how-owning-your-tech-means-owning-your-future#In-Person-Payments) - [![online-payments-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/online-payments-icon.svg) #### Payment Gateway Start taking payments online today ](https://www.cashflows.com/blog/how-owning-your-tech-means-owning-your-future#Payment-Gateway) - [![CF NAV - Faster Customer Onboarding 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Faster%20Customer%20Onboarding%202024.svg) #### Fast Onboarding A game-changing tool that puts you in control of your customer applications ](https://www.cashflows.com/solutions/fast-onboarding) - [![omnichannel-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/omnichannel-icon.svg) #### Omnichannel Take payments wherever your customers shop ](https://www.cashflows.com/blog/how-owning-your-tech-means-owning-your-future#Omnichannel) - [![Cashflows Advance](https://www.cashflows.com/hubfs/Cashflows%20Advance.svg) #### Cashflows Advance Alternative business financing ](https://www.cashflows.com/solutions/cashflows_advance) - [![CF NAV - Solutions for Sectors 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Solutions%20for%20Sectors%202024.svg) #### Solutions for sectors Your industry supported with card payments ](https://www.cashflows.com/blog/how-owning-your-tech-means-owning-your-future#Solutions-for-sectors) - Partner with us - Shift - About - Resources - Support - [Developers ](https://developer.cashflows.com/) [ Login ](https://www.cashflows.com/login) [ Contact sales ](https://www.cashflows.com/contact) Back [![payment-processing-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payment-processing-icon.svg) #### Payment Processing Fast, secure, easy - card processing to support your business ](https://www.cashflows.com/solutions/payment-processing) ##### Features #### [Anytime Settlement Get access to your funds within hours](https://www.cashflows.com/solutions/anytime-settlement) #### [Account Updater Automatically update lost or stolen card details](https://www.cashflows.com/solutions/account-updater) #### [Direct Send Pay out to card in minutes](https://www.cashflows.com/solutions/instant-payout) #### [3D Secure V2.2 Get ready for two-factor authentication](https://www.cashflows.com/solutions/3d-secure) #### [Network Tokens Revolutionizing digital transactions](https://www.cashflows.com/solutions/network-tokens) Back [![payments-in-person-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/payments-in-person-icon.svg) #### In-Person Payments All you need for taking card payments in person ](https://www.cashflows.com/solutions/point-of-sale) ##### Features #### [SUNMI P3 Seamless, secure and speedy payments](https://www.cashflows.com/solutions/sunmi-p3) #### [SUNMI P2 SE Smart POS with the power of Android](https://www.cashflows.com/solutions/sunmi-p2-se) #### [SUNMI P3 Mix All-in-one POS solution for business](https://www.cashflows.com/solutions/sunmi-p3-mix) #### [Countertop card machine Castles Vega Countertop specifications](https://www.cashflows.com/countertop-card-machine) #### [Mobile card machine Castles Vega 3000 Mobile specifications](https://www.cashflows.com/mobile-card-payment-machine) #### [Smart POS card machine Castles Saturn 1000 F2 specifications](https://www.cashflows.com/smart-pos-card-machine) #### [Compare Card Machines Compare our latest card machines](https://www.cashflows.com/compare-card-machines) Back [![online-payments-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/online-payments-icon.svg) #### Payment Gateway Start taking payments online today ](https://www.cashflows.com/solutions/online-payments) ##### Features #### [Hosted Checkout Easy, secure and compliant payments for your website](https://www.cashflows.com/solutions/hosted-checkout) #### [Virtual Terminal Phone payments made easy for your team](https://www.cashflows.com/solutions/virtual-terminal) #### [Pay by Link Take card payment on invoices and emails](https://www.cashflows.com/solutions/pay-by-link) #### [Cashflows Portal Access to your data and payment tools in real-time](https://www.cashflows.com/solutions/cashflows-portal) #### [Click to Pay The revolutionary digital wallet](https://www.cashflows.com/solutions/click-to-pay) Back [![CF NAV - Faster Customer Onboarding 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Faster%20Customer%20Onboarding%202024.svg) #### Fast Onboarding A game-changing tool that puts you in control of your customer applications ](https://www.cashflows.com/solutions/fast-onboarding) Back [![omnichannel-icon](https://www.cashflows.com/hubfs/Solution%20Menu%20Imagery/omnichannel-icon.svg) #### Omnichannel Take payments wherever your customers shop ](https://www.cashflows.com/solutions/omnichannel) ##### Features Back [![Cashflows Advance](https://www.cashflows.com/hubfs/Cashflows%20Advance.svg) #### Cashflows Advance Alternative business financing ](https://www.cashflows.com/solutions/cashflows_advance) Back [![CF NAV - Solutions for Sectors 2024](https://www.cashflows.com/hubfs/Icons/CF%20NAV%20-%20Solutions%20for%20Sectors%202024.svg) #### Solutions for sectors Your industry supported with card payments ](https://www.cashflows.com/solutions/solutions-for-sectors) ##### Features #### [Retailer payment systems Retail payment solutions to support your business.](https://www.cashflows.com/solutions/retail) #### [Insurance payment processing Seamless payment processing for Insurance, Brokers and MGA's.](https://www.cashflows.com/solutions/insurance) #### [Financial services payment solutions From recurring billing, to payout, we’re ready to support you.](https://www.cashflows.com/solutions/financial-services) #### [Veterinary payment systems Payments you can trust to help your business grow.](https://www.cashflows.com/solutions/vets) #### [Dental payment systems Seamless and secure systems for dental payments.](https://www.cashflows.com/dental-payment-systems-cashflows) [![arow](https://www.cashflows.com/hubfs/Group%2021%20(3).svg)Explore our blog library](https://www.cashflows.com/blog) [Leadership Blog](https://www.cashflows.com/blog/tag/leadership-blog) # How owning your tech means owning your future ![Constant change creates opportunity - especially when you control your own tech - Ron Schteinberg](https://www.cashflows.com/hubfs/Blog%20images/Blog%20Images%202021/Blog%20image%20Ron.jpg) [By Ron Shteinberg](https://www.cashflows.com/blog/author/ron-shteinberg) Managing change is an everyday state at Cashflows. The payments industry is in a constant flux of new regulations, user needs, and technical innovation and, as an organisation, committed to creating smart and relevant solutions to real-life business challenges. It’s important that we see change coming and that we’re ready to face it head-on.    What’s different about Cashflows is that we fully own our technology – our platform, gateways, APIs, everything is designed, built, and managed in-house. This gives us the benefit of true agility; we’re not limited in the way we think about or design solutions. We have the power and the scope to build what’s right and impactful for our customers and partners within timeframes that we control.    Prioritisation is entirely up to us. Without competing for resources, we can accelerate what’s important or reorientate towards new opportunities. We’re able to build powerful links with the best in technical partners, speeding up delivery and creating seamless integrations for customers. And we can create solutions that stand out and provide real differentiation in our markets – like Anytime Settlement, which challenges the industry standard delays in receiving card funds.   Of course, such flexibility can bring risk. When you have the freedom to direct your tech as you choose, it’s critical to make sure the projects you prioritise meet customer needs and deliver commercial value. Just because your smart tech has the capability to deliver something, it doesn’t mean any of your customers or partners will want to buy it, and that’s why we’re determined to harness our tech only towards viable opportunities.    We’ve been working hard to align our product and tech teams around shared priorities and a unified roadmap. We’ve adopted a culture of ‘working backwards’ to get everyone thinking about what we want our end goal to be. For example, if we envisage a customer review or a press release – what’s the headline we’re striving for? Then we map out the process from that point back to the start, defining every step towards delivering the headline. It’s a sense check that keeps our customers and partners at the heart of our thinking and forces us to ask every day: why we’re doing the things we do.    Our product and tech teams bring together a wide bunch of skillsets and cultures and, for a passionate techie who seeks a dynamic, impactful role at a time of huge industry transformation, it’s a super exciting place to be. Everyone who works here is empowered to shape and influence the decisions we make and the solutions we deliver. We are the change, and we make the difference.    I’m in the early days of my Cashflows career, but I am confident that our agility, scope to prioritise, and ‘working backwards’ customer focus, all realisable because of our proprietary technology, will be key in helping us win for our customers, partners, and our teams. It’s a movement I’m proud to be a part of.    Joining the technology team at Cashflows is an incredible opportunity - especially right now, as we embark on some truly exciting and industry-leading initiatives. We’re always interested in discovering new talent, so if you’re a tech superstar with experience, ambition, and drive, [let’s start a conversation](https://www.cashflows.com/careers).  ## Related Stories [![The importance of payments partnership in 2024](https://www.cashflows.com/hubfs/Partnerships%202024%20image.jpg) Leadership Blog ## The importance of payments partnership in 2024 As technology continues to redefine the way we conduct financial transactions, understanding the ... ](https://www.cashflows.com/blog/the-importance-of-payments-partnership-in-2024) [![What can we expect from payments in 2024?](https://www.cashflows.com/hubfs/2024%20predicitions%20post.jpg) Leadership Blog ## What can we expect from payments in 2024? If I had to pick my main takeaway from 2023, it would be the importance of maintaining access to ... ](https://www.cashflows.com/blog/what-can-we-expect-from-payments-in-2024)