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Financial Services

We help financial institutions modernize through engaging digital lending solutions, reliable data analytics platforms and AI for improved efficiency.

+40M

transactions processed yearly on Zitec-built platforms

+€1.2B

yearly processed transaction value across platforms and industries

Proven impact in financial services

Reimagining mobile banking for modern users

We created Nexent Bank’s next-generation CardAvantaj mobile app to support the organization’s digital transformation ambitions, being recognized with the Public Choice Award at UX Awards Berlin 2026.

3 months 

delivery for a complete mobile app

8% increase

in active users

Faster loan decisions based on microservices

We built custom microservices for HeyBlu, speeding up loan approvals and making it easier for them to grow through retailer partnerships.

36 seconds

average loan approval time

4% increase

in daily conversion rates

Fraud detection & prevention in financial services

We developed a GenAI solution using Google Cloud to help Finqware label banking transactions quickly and accurately.

91.3%

accuracy

3.1 seconds

processing time using Gemini Pro

From compliance to checkout

We built a PCI DSS-compliant payment platform for Token, helping them simplify transactions and onboard merchants quickly.

Compliance 

with PCI DSS and the National Bank of Romania

9 Months

Time to deliver the first version of the product

Unified payment experiences

Redesigned the 24pay mobile app and created intuitive UIs for public terminals and courier apps. Our work included user flows for AVM terminals (taxes, lottery), the Pudo T4 delivery app and Mastercard campaigns.



Full redesign

of 24pay app interface

AVM UI design

for tax and lottery transactions 

Meet our Financial Services leadership team

Results & tech excellency in one package

Lucian Daia

Financial Services
Director & CTO

Iulian Oprea

Tech Consulting Director

MAKE IT Impact

How we enable financial institutions to grow

Reflecting our client’s success

Innovative payments

Start launching new innovative payment products faster, integrate transformative payment methods, streamline operations  and optimize costs through advanced data analytics.

Transforming payments with Token

Mobile & digital banking

By building well-crafted digital platforms around your core systems, you can launch products faster, elevate CX, while turning your stability and extensive customer data into a competitive edge. Match the agility of dynamic fintech competitors without the risk.

Revamping UX for Nexent Bank

Consumer & SME lending

Through robust digital platforms, you can start launching new innovative financing products faster, onboard your customers 100% digitally, offer a superior customer experience and improve portfolio profitability with  advanced data analytics.

Scaling operations with HeyBlu

Innovative fintech solutions

We build and deploy MVPs in record time, leveraging agile methods and fintech expertise so you can launch, iterate, and gain traction quickly. As you scale, we guide your transition from startup to resilient market leader.

Automating transactions with Finqware

Technology partnerships backed by expertise in BFSI

Discover the partnerships that enable us to deliver digital solutions built to the highest standards of security, compliance, and performance.

Microsoft Solutions Partner logo
Google Cloud Partner logo
Mambu logo
databricks logo

End-to-end capabilities to help you
build and scale in financial services

Strategy that delivers Tech Strategy &
Consulting
Tech Strategy &
Consulting

Foundation workshops · Business analysis · PoC development · Transformation roadmap

Find out how
End-to-end ownership Digital Solutions
Development
Digital Solutions
Development

Product Team as a Service · Project Team as a Service

Find out how
Business impact AI Engineering
AI Engineering

AI readiness & use case definition, GenAI & Large Language Models integration, AI-powered automation, Machine learning models

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User-centric products that perform User Experience &
Design
User Experience &
Design

UX design · UI Design

Find out how
From data to decisions Data Analytics &
Machine Learning
Data Analytics &
Machine Learning

Data Strategy & Achitecture · Business intelligence & visualization · Data Engineering

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Stability at speed DevOps & Security
Infrastructure
DevOps & Security
Infrastructure

CI/CD pipelines · DevSecOps · Security & compliance · System reliability

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Built for scale Cloud & Platform
Transformation
Cloud & Platform
Transformation

Microsoft & Google Premier Partner · Cloud architecture · Migration & modernization · Cost optimization

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Long-term partnership Application Maintenance

& Evolution
Application Maintenance

& Evolution

Technical audit · Continuous improvement · Maintenance & support

Find out how
Growth aligned with product Digital Marketing
Digital Marketing

Demand generation · Lead & sales enablement · Growth strategy · Brand amplification · SEO · GEO

Find out how

What our clients say about us

User details

“We weren’t just looking for a software developer, but a true business partner aligned with our ambition. Zitec proved to be that partner. Based on trust, openness and transparent communication, we sparked a lasting collaboration that continues to evolve with a pipeline of new strategic initiatives.” 

George-Iuhas-HeyBlu

“In our quest to find the right technological partner for our needs, we had several exchanges with different other companies in the market. We were immediately attracted by the technological architecture proposed by Zitec, as well as by the team brought forward. The proven experience with similar projects was a vital criteria for us and it proved to be the right decision reflecting Zitec’s top-tier status.”

Grounded in trust

Regulatory compliance

We treat regulatory compliance as a core architectural requirement. Our deep understanding of PSD2, GDPR, and AML is engineered into the foundation of your compliant financial platform.

Security by design

We design a multi-layered architecture to shield sensitive data, combining secure code reviews, penetration testing and cloud security assessments, embedding protection throughout the development lifecycle.

Accessibility

Our approach to accessibility by design integrates WCAG standards directly into the heart of our product design and development processes. By embedding these standards from the start, we create a more equitable experience for all users.

MAKE IT Real

Connected to the ecosystem through the Digital Banking Scorecard

Through our involvement in the Digital Banking Scorecard report and annual event, including Zitec’s regular contribution to the report and Lucian Daia, Head of Financial Services at Zitec, taking the stage, we stay close to the insights, benchmarks and trends shaping the banking industry year after year. It helps us track how digital maturity evolves across the market and remain connected to the priorities transforming financial services.

Lucian Daia, Zitec’s financial services business line director, on stage at Digital Banking Scorecard 2026