Fin-Tech Solutions and AI-Powered in Baks
Globaliti d.o.o. presents a comprehensive suite of mature, high-load financial solutions ready for technological expansion across Southeastern Europe. Our proven platforms have successfully processed millions of transactions for leading financial institutions and retailers in Moldova, Romania, and Bulgaria, demonstrating reliability under real-world conditions.
Every solution is built with strict compliance to European Union regulations including GDPR, PSD2/PSD3, and ISO 20022 standards, ensuring seamless market entry into EU member states. Our integrated approach combines instant payment processing, cross-border transfer networks, and AI-driven automation to create competitive advantage in today's rapidly evolving fintech landscape.
Integrated Solutions for Modern Banking
Our platform stack addresses the complete spectrum of modern financial services requirements, from point-of-sale acceptance to international transfers and intelligent automation. Each component has been battle-tested in production environments serving millions of end customers.
These solutions share common architectural principles: regulatory compliance, real-time processing, and API-first design. They can be deployed independently or as an integrated platform, providing flexibility for partners to choose their preferred implementation strategy based on existing infrastructure and market requirements.
Why Our Platform Stack Delivers Competitive Advantage
Regulatory-Ready from Day One
Full compliance with EU directives including GDPR data protection, PSD2/PSD3 open banking requirements, and ISO 20022 message standards. Pre-built modules handle authentication, consent management, and reporting obligations.
Proven at Scale
Production systems processing millions of transactions monthly for major banks and retailers. Infrastructure designed for high availability with 99.9% uptime SLA and horizontal scaling to accommodate seasonal peaks and rapid growth.
Fast Time-to-Market
Pre-built integrations with common banking systems, payment processors, and retail platforms. Reduce deployment timelines from 12 months to 3-4 months with our modular architecture and documented APIs.
Continuous Innovation
Quarterly feature releases incorporating latest regulatory changes and market demands. Access to 45+ AI use cases that can be activated as needed, ensuring your platform stays ahead of competitors.
miaPOS: Comprehensive Instant Payment Platform
Our miaPOS platform transforms basic instant payment infrastructure into a complete business-ready product for banks and merchants. The system integrates with National Bank of Serbia's IPS infrastructure and extends functionality with value-added services that differentiate your offering in competitive markets.
Unlike generic payment processors, miaPOS provides unified experience across all channels—from physical retail locations to e-commerce and mobile applications. The platform handles complex routing logic, currency conversion, and reconciliation automatically, reducing operational costs while improving customer satisfaction through consistent user experience.
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Retail Point-of-Sale Solutions
Transform any Android smartphone into a payment terminal using SoftPOS technology with NFC capabilities. Generate dynamic and static QR codes displayed on cashier screens or POS terminals. Pre-built integration protocols connect seamlessly with EFTPOS equipment and self-service kiosks.
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E-Commerce Integration Suite
Quick deployment plugins for WordPress (WooCommerce), Shopify, Magento, and OpenCart. Telegram bot enables invoice generation and payment acceptance directly within the messaging platform. Merchant back-office provides comprehensive tools for managing locations, real-time sales analytics, returns processing, and Z-report generation.
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Agentic AI Automation
Built-in AI agents automatically recognize data from invoices and receipts, perform reconciliation tasks, and update statuses in merchant ERP systems. Reduces manual data entry by 85% and eliminates human errors in accounting workflows.
Key Features Driving miaPOS Adoption
SoftPOS & NFC Technology
Convert any Android device into certified payment terminal without expensive hardware. Tap-to-pay functionality via NFC or QR code scanning provides familiar experience for end customers while reducing merchant costs.
Dynamic QR Code Generation
Real-time generation of payment codes displayed on screens at checkout points. Supports both static codes for fixed amounts and dynamic codes that update automatically as cashier rings up items.
CMS Integration Modules
Pre-built plugins connect instantly with popular e-commerce platforms. WooCommerce, Shopify, Magento, and OpenCart integrations include full documentation and sample code for customization.
Telegram Bot Payments
Unique capability to generate invoices and process payments entirely within Telegram messaging app. Reduces friction for merchants operating in social commerce channels and messaging-based business models.
Merchant Back-Office Portal
Complete management interface for multi-location businesses. Real-time sales analytics, transaction dispute resolution, automated reporting, and integration with accounting systems through API connections.
AI-Powered Reconciliation
Machine learning models automatically match transactions with invoices, detect anomalies, and update ERP systems. Reduces accounting staff workload while improving accuracy and audit readiness.
Rohora: Instant Cross-Border Transfer Network
Our Rohora platform serves as technological bridge connecting national instant payment systems into unified network for international transfers. The solution addresses critical pain point in modern banking: enabling real-time money movement across borders without requiring technical integration between every sending and receiving bank.
Phone-to-Phone Mechanism
Users never need to know IBAN or SWIFT codes—transfers initiated by mobile phone number linked to bank account. Simplifies international remittances for millions of migrant workers sending money home while maintaining full regulatory compliance through pre-verified beneficiary registration.
No Funds Custody Architecture
Platform acts as transaction routing layer rather than custodian, eliminating need for money transmitter licenses in multiple jurisdictions. Settlements occur directly between participating banks, significantly reducing compliance burden and regulatory complexity.
Initiation
Sender enters recipient's phone number and amount in mobile banking app
Routing
Platform identifies optimal path through participating banks' instant systems
FX Conversion
Real-time currency exchange with locked rate displayed before confirmation
Settlement
Direct bank-to-bank transfer completes in seconds with confirmation to both parties
Rohora Technical Architecture and Benefits
01
Instant FX Module
Real-time currency conversion with exchange rate locked at payment initiation, providing transparency on expected amount for recipient. Supports 15+ currency pairs with automated liquidity management.
02
SEPA Instant Ready
Architecture compliant with SEPA Instant Credit Transfer standards, enabling seamless integration of Serbian banks into pan-European payment infrastructure as market evolves.
03
Multi-Bank Connectivity
Single API connection provides access to entire network of participating banks. Eliminates need for bilateral agreements and technical integrations between each bank pair, accelerating network effects.
04
Real-Time Monitoring
Comprehensive dashboard shows transaction status, liquidity positions, and error conditions. Automated alerts notify operations team of failed transactions requiring manual intervention.
"Rohora transforms cross-border payments from days-long batch processes into instant experiences while maintaining full audit trail and regulatory compliance. The platform has processed over €50 million in transfers with 99.7% success rate."
AI Solutions Catalog: 45+ Proven Use Cases
Finergy AI Labs has developed comprehensive catalog of AI-driven automation scenarios specifically designed for banking and financial services. Each use case represents proven implementation with measurable ROI, reducing operational costs while improving accuracy and customer satisfaction. The modular approach allows selective activation based on your institution's priorities.
Customer Service
Email and chat automation, call center assistant, complaint processing
AML & Compliance
SAR report generation, AML alert sorting, regulatory change analysis
Lending
Credit dossier analysis, early warning system, sectoral analysis
Operations
Smart reconciliation, supplier risk assessment
IT Security
Code audit, vulnerability detection, patch prioritization
HR Operations
Resume screening, onboarding automation, HR chatbot
Detailed AI Use Case Breakdown
Customer Service Block
- Email/Chat Automation: AI classifies customer inquiries and prepares response drafts, reducing handling time by 70% while maintaining brand voice consistency
- Call Center Assistant: Real-time suggestions for operators based on bank knowledge base with automatic CRM form population during conversations
- Complaint Processing: Automated sorting and routing of complaints with response generation aligned to internal policies and regulatory requirements
AML & Compliance Block
- SAR Report Generation: Automatic narrative creation for suspicious activity reports based on investigation data, reducing manual report writing time from 4 hours to 15 minutes
- AML Alert Triage: AI evaluates risk level of each alert, filtering false positives and prioritizing critical cases for human review, reducing analyst workload by 60%
- Regulatory Gap Analysis: Continuous monitoring of new laws with automatic identification of compliance gaps in current bank procedures
Lending Block
- Credit Dossier Analysis: Automatic data extraction from borrower documents and preliminary limit calculation, accelerating loan origination cycle
- Early Warning System: Transaction pattern analysis combined with external triggers to predict default 3-6 months in advance with 85% accuracy
- Corporate Sector Analysis: Business sustainability assessment through comparison with industry benchmarks and peer performance metrics
Operations & Risk Block
- Smart Reconciliation: AI handles complex payment flows where standard algorithms fail, matching transactions across different formats and timing patterns
- Supplier Risk Assessment: Real-time analysis of SLA compliance, incident history, and financial health of counterparties
IT & HR Block
- Code Security Audit: Automated vulnerability detection with patch priority scoring based on exploit likelihood and business impact
- Recruitment Screening: AI filtering of candidates against banking-specific competencies with automated response generation for new employee questions
Ready to Deploy: Next Steps
Globaliti d.o.o. stands ready to provide detailed technical specifications and arrange demonstrations of working systems for your technical specialists. Our implementation methodology follows proven phased approach:
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Week 1-2: Discovery
Requirements gathering and architecture review
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Week 3-6: Integration
API connections and system configuration
3
Week 7-8: Testing
User acceptance testing and performance validation
4
Week 9-10: Go-Live
Production deployment with 24/7 support
Technical Documentation
Complete API specifications, integration guides, and architecture diagrams for all three platforms included in standard licensing package.
Training Programs
Role-based training modules for developers, operations staff, and business users. Includes hands-on labs and certification exams.
Support SLA
24/7 technical support with 1-hour response time for critical issues. Quarterly health checks and quarterly feature updates included.
We believe the synergy of your IT expertise and our proven products will establish market leadership position in Balkan financial services sector. Contact our team today to discuss customized implementation roadmap aligned with your strategic priorities.