Hire Reliable & Experienced Embedded Finance Solutions Experts

Hire a Reliable & Experienced

  • We are a 400+ person team of Software Developers, Architects, Consultants, Data Engineers, Data Scientists, Analysts and Designers
  • Our team operates remotely and is based in the European Union - with our HQ in Poland
  • We serve clients in North America (US & Canada) and Europe (DACH, Nordics, BeNeLux, and the UK)
  • We work with the world's largest Enterprises, Scaleups, and Startups
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Embedded Finance Solutions
Logo ITMAGINATION Client BNP ParibasLogo ITMAGINATION Client L'OrealParamount LogoDanone LogoGreenlight ITMAGINATION Customer / Client
Logo ITMAGINATION Client Variant 2Orange ITMAGINATION ClientCredit Agricole ITMAGINATION ClientEurofins ITMAGINATION ClientTikkurila ITMAGINATION ClientDNB (Danske Bank) ITMAGINATION Client
mBank ITMAGINATION ClientCashback World ITMAGINATION ClientDNB (Danske Bank) ITMAGINATION ClientGenerali Insurance ITMAGINATION ClientPayU ITMAGINATION ClientCD Projekt Red  ITMAGINATION Client


Years On The Market


Delighted Clients


Successful Projects


People On Board

Our Embedded Finance Solutions Services

Experienced Backend Developers Ready to Help You

API Backend Development and Integration

We engineer robust API backend solutions that serve as the backbone for your financial services, ensuring seamless integration with existing and future systems. Our approach prioritizes security, scalability, and performance, enabling smooth data exchange and functionality across your financial ecosystem.

Embedded Finance API Architecture

We help you build seamless embedded finance experiences with our API architecture expertise. Our team specializes in creating robust, scalable API solutions that integrate seamlessly into your existing platforms, enabling you to offer a wide range of financial services directly within your applications.

Core System Modernization – Embedded Finance

Revitalizing Core Systems for Embedded Finance

Your customers expect access to embedded financial services as part of their daily digital shopping experience.  

To meet these expectations, modernizing your core systems is essential. Empower your organization by adopting modularity, integrating with open banking, and enabling seamless API connections—you can't have embedded finance without API integrations.

Core System Modernization

We offer our expertise in core system modernization to help your bank or company to transition towards advanced technology stacks and architectures. This upgrade enhances operational efficiency, reduces costs, and ensures compatibility with modern API-driven ecosystems – preparing your system for a potential embedded finance solution development or integration.

Embedded Insurance

Insurance Technology Development and Integration

Transform your insurance offerings with our technology development and integration services. From policy management to claims processing, we provide innovative solutions that enhance operational efficiency, improve customer experience, and drive digital transformation in the insurance sector.

Factoring Solutions Development and Integration

Unlock the potential of invoice financing with our factoring solutions development service. We provide bespoke factoring and invoice discounting platforms that offer businesses a flexible way to manage cash flow, improve working capital, and foster growth without incurring debt.

Payments Solutions

We help you create and integrate your own custom embedded payments solutions. From mobile payments to cross-border transactions, we support you in developing custom payment solutions that are scalable, compliant, and user friendly.  

Banking & Payment Systems Integrations

Create banking and payment systems integrations that connect your services to the global banking nework. We ensure secure, compliant, and efficient linkages to a variety of payment gateways, banks, and financial institutions, facilitating smooth transactions and financial operations.

Digital Wallet and P2P Payments Innovation

We design and implement secure, user-friendly digital wallets that support a variety of payment methods, enhancing the transaction experience for your customers. Facilitate easy and secure peer-to-peer transactions with our P2P payment system integration services. We create custom solutions that simplify payments among individuals, making it easier for your users to split bills, pay for services, or transfer money without hassle.

Payment Gateway Customization and Integration

Customize and integrate payment gateways to suit your business needs. Our services ensure seamless, secure payment transactions, supporting multiple payment methods and currencies for a global customer base.

E-Commerce Solutions and Integrations

E-commerce Financing Solutions

Boost your e-commerce platform with integrated financing options. We help you to enable instant credit approvals, buy now pay later options, and flexible payment plans, enhancing the shopping experience and increasing purchase likelihood.

Merchant & e-Commerce Integrations

Expand your online presence with our merchant and e-commerce integration services. We offer customized solutions that enhance user experience, streamline payment processes, and connect your business to a wider market through seamless integration with major e-commerce platforms.

Loyalty and Rewards Program Integration

Enhance user engagement with tailored loyalty and rewards program integration. Our team can support your efforts to incentivize platform usage and financial transactions, driving customer loyalty through points, discounts, and personalized rewards.

Embedded Lending Solutions

Custom Lending Platform Development

Elevate your lending services with custom platforms tailored to your business needs. Our expertise in developing comprehensive lending solutions includes application processing, risk assessment, and loan management features, driving efficiency and customer satisfaction.

BNPL (Buy Now, Pay Later) Solutions Development

We also specialize in developing custom Buy Now, Pay Later platforms that integrate effortlessly into your checkout process, providing customers with flexible payment options. Our services include solutions like: real-time application processing, credit assessment, and a streamlined repayment system, all designed to boost conversion rates and customer loyalty.

Cloud – Embedded Finance

Leverage Cloud Insights and Analytics for Embedded Finance

Leverage the power of Azure, AWS and Google Cloud to transform data into actionable insights. We help you create your own custom cloud solutions that offer real-time analytics, predictive modelling, and personalized dashboards for your embedded finance solutions.

Cloud and DevOps Integration

Integrate software development, cloud infrastructure, and DevOps practices to accelerate time-to-market and enhance product quality. Our holistic approach ensures continuous delivery, scalability, and resilience, enabling you to innovate faster and more efficiently.

Risk & Compliance Solutions

Credit Scoring and Risk Management Systems

We help you implement advanced credit scoring and risk management. Our technology assesses user data to provide accurate credit scores, managing risk efficiently to support lending and financial decision-making processes.

Identity, KYC, and AML Solutions

Protect your business and your customers by developing your own custom-made KYC, and AML solutions. We design and create systems to prevent fraud, ensure compliance with global regulations, and streamline customer onboarding, all while safeguarding personal and financial information.

RegTech Solutions for Compliance and Reporting

We custom develop systems for real-time compliance monitoring, reporting, and risk management, ensuring that your financial services operate within legal frameworks while maximizing operational efficiency.

Our Partners & Certifications

Microsoft Gold Partner Certification 2021 for ITMAGINATION

What Our Clients Say

"Kabbage’s (Acquired by American Express) partnership with ITMAGINATION has been instrumental in completing our goals."

ITMAGINATION has helped support our internal engineering teams implement numerous major projects and features for Kabbage.

Their project managers and software engineers were able to quickly learn our domain processes and technologies to immediately provide value. We recommend ITMAGINATION as a professional provider of Software Engineering services.

David McGowan
SVP, Chief Information Officer (CIO) of Global Commercial Services, Previously Chief Technology Officer (CTO) at Kabbage, Acquired by AmEx
"ITMAGINATION's team was able to understand our business needs and set up a development team quickly and to a high quality."

Thanks to ITMAGINATION’s flexibility and professionalism, we were able to onboard their developers quickly and start cooperation within only a few weeks after we reached out to them.

We have a true partner relationship, and we trust their expertise. They efficiently support work on our platform and help us release new features quickly and reliably.

David Wood
Managing Director
"The team has been great to work with, they are direct communicators, open to feedback and work hard to build a great product."

We are very in sync about how to improve the team and our processes. It has been very refreshing to partner with ITMAGINATION to build up our backlog of things to do and to prioritize together.

Involvement and engagement by the ITMAGINATION leadership team has been great. They set up structured check-ins with our company leadership, and have kept us constantly looped in on the team’s progress.

Michael Wolf
"We fully recommend ITMAGINATION as a trustworthy business partner and creator of dedicated IT solutions."

ITMAGINATION has been cooperating with BNP Paribas since 2012. The company has completed many initiatives with the bank, providing and implementing software that was developed especially for our needs. In the course of the project, ITMAGINATION proved itself as a professional partner.

Małgorzata Dąbrowska
RB/PF IT Line Managing Director

Our experts help our clients accelerate innovation to achieve their technical and business goals

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Automated Factoring, Reverse Factoring, And Credit Risk Assessment

NFG introduced the first Factoring & Reverse Factoring services on the Polish market, integrating with many economic intelligence agencies. Thanks to using cutting-edge technologies, in cooperation with our team at ITMAGINATION, they created a decision engine that automates most of the tasks related to customer service.

NFG (National Guarantee Fund) is a modern financial institution that specializes in providing services for micro and small enterprises in factoring. NFG belongs to the Kaczmarski Group(including KRD, KRD BIG, Rzetelna Firma, Kaczmarski Inkasso).

Luma Financial Technologies

Fintech Platform Development

ITMAGINATION supports Luma Financial Technology's internal development team with new feature development and with maintaining their current platform.
Luma was looking for a partner experienced in Fintech. Our team's portfolio of clients in Fintech who are located in the US, and our team at ITMAGINATION was able to tick all the right boxes.

Luma Financial Technologies provides a platform that has been used by broker-dealers and their advisors nationwide for nearly a decade to more efficiently source, configure, compare and price structured products and annuities that meet their customer’s specific investment needs.

Not sure whether there's a fit before committing to a call? We totally understand and we've got you covered.

We Work With Your Industry

Loans & Credit
Insurance & Insurtech
Telecommunications (Telecom, Telco)
Transport & Logistics
Aviation & Aerospace
Healthcare & Life Sciences (HealthTech, MedTech, BioTech)
Media & Entertainment


Frequesntly Asked Questions About Embedded Finance Solutions Services

Where are you located?

ITMAGINATION is based in the heart of Europe in Poland.

Our headquarters is located in Poland in Warsaw's city center, but we are a remote-first company where our team works from 20 countries across the European Union.

Let's Talk About Your Project!

Hisham Itani

Head of Marketing

If you're interested in exploring how we can work together to achieve your objectives & challenges - whether technical or on the business side, I'm just a message away. Let's dive deep into a conversation!

Our Team Is Trusted By

Greenlight ITMAGINATION Customer / ClientLogo ITMAGINATION Client BNP ParibasLogo ITMAGINATION Client L'OrealParamount LogoOrange ITMAGINATION ClientSantander ITMAGINATION ClientCredit Agricole ITMAGINATION ClientArmadillo.one LogoSkanska ITMAGINATION CustomerDNB (Danske Bank) ITMAGINATION ClientDanone Logo
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