Today, and increasingly so, the banking industry is a highly competitive environment. Customers are used to consume high standard services and they start to select banks which are able to satisfy their highly individualized needs. World changes, business changes, rules change, methods change, new motivators evolve, new distribution and communication channels change, services and products interconnect, flexibility are aspects that are all becoming crucial market differentiators. The ability of business to realize new business ideas, have flexible reactions on the market and align with customer demands are directly dependent on the capability of IT to realize IT support in a bank IT environment. IT is directly dependent on its multichannel platform, established development approach, delivery method and well-structured skillset.

We believe that flexibility and simplicity are the most important features of the solutions, which once achieved, will bring further benefits in lower change and maintenance costs, performance, user and training requirements and management overhead capacity required.

We further believe that the path to flexibility and simplicity is in use of Model Driven Engineering, which allows flexible interaction with business, enforcing architectural guidelines and self-documentation (software is documented by its own model) and possibility to generate executable code from model to any required environment, which brings independence of the logic from its implementation while avoiding the need for re-programming.

Furthermore, we believe that the right answer is to systematically and continuously build a flexible application environment, where changes of rules, applications and logic are an integral part of common daily life and inexpensive and long-lasting exceptions.

Our strongest motivation is to provide our customers with such an environment – our Financial Services Production Line (FSPL). FSPL can be compared to an efficient factory where processes are highly automated, tuned and well-functioning – a product line producing online financial services.

FSPL use