Capital One


Accelerating Innovation
In The Banking Industry

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Hi there!

Hi !

My team and I have been deep diving into the Banking industry and talking to a few people about their goals. Below are the most innovative product plans we saw.

SME/SMB Digital Banking Platform

  • Develop a modern, user-friendly digital banking platform that enables customers to access their business accounts, manage transactions, and perform various banking tasks with ease
  • Expense Management, including Payroll Management Solutions, comprehensive Expense Management for SMEs, and flexible Loans & Factoring Services tailored for SMEs
  • Tax, Regulatory, and Compliance solutions including Automated Tax Filing and Management Services and streamlined Regulatory Reporting for SME compliance
  • Custom Identity Verification, KYC / KYT, and AML Solutions
  • Comprehensive Business Reporting Tools including Cashflow Management, P&L, and comprehensive analytics
  • Enhance security and reduce fraud with advanced data analytics and machine learning algorithms
  • Improve operational efficiency with automated processes and real-time monitoring
  • Learn More About Our SME/SMB Solutions Development Services

Loan Origination & Underwriting (B2B And/Or B2C Focused)

  • Streamline loan origination and underwriting with automated processes and real-time data analysis
  • Improve risk management with predictive analytics and machine learning algorithms
  • Enhance customer experience with faster loan processing and decision-making

Wealth Management & Investment Services

  • Provide personalized investment recommendations and portfolio management services with real-time data analysis and predictive analytics
  • Enhance customer engagement with digital tools and real-time information
  • Improve operational efficiency with automated processes and real-time monitoring

AI-Powered Chatbot

  • Develop an AI-powered chatbot that enables customers to get answers to their banking questions and perform transactions through natural language commands
  • Enhance customer experience with personalized recommendations and proactive notifications
  • Improve operational efficiency with automated responses and reduced call center volume

Blockchain-Based Payment System

  • Develop a blockchain-based payment system that enables faster, more secure, and cost-effective transactions
  • Enhance security and reduce fraud with immutable transaction records and smart contracts
  • Improve interoperability and reduce transaction fees with decentralized payment channels

Digital Identity Verification

  • Develop a digital identity verification system that enables customers to securely verify their identity for various banking services.
  • Enhance security and reduce fraud with advanced biometric and AI-based authentication methods.
  • Improve customer experience with simplified onboarding and reduced wait times.

Do you have any similar initiatives on your roadmap?

Let's talk about your goals!
Anja Veselcic


Business Development Manager


Chief Innovation Officer (CIO)

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What Our Clients Say

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"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
"ITMAGINATION has a professional team that delivers high-quality software."

We recommend ITMAGINATION as a trustworthy business partner and creator of dedicated IT solutions. The main project created by ITMAGINATION for our company was implemented in a short time – only 13 months.

We have been cooperating with ITMAGINATION since 2016. Among other services, we have hired out the company's technology consultants for our needs.

Dorota Poniatowska-Mańczak
Chief Innovation Officer
"ITMAGINATION was an effective and reliable partner with extensive experience in the field."

ITMAGINATION was invited to participate in the RFP process which they won after showing that they clearly understand our needs, have top-notch expertise both in our sector (FMCG), as well as the technologies used (BI and Data Warehousing) and their pricing model is optimal.

They had a very persuasive way of communicating proposed solutions.

Robert Pernak
Pricing Manager
"Since 1 September 2013, ITMAGINATION completed dozens of projects for Danone Group companies in Central-Eastern and Northern Europe. We highly recommend ITMAGINATION as a professional provider of Business Intelligence services."

During project execution, ITMAGINATION actions were transparent and based on business partnership relations.

The consultants assigned to the works exhibited expert knowledge, experience and maintained a professional approach.

Marcin Łobejko
Process leader - Analytics & Enterprise Performance Management
"The expert knowledge, experience, and professionalism of the ITMAGINATION team contributed to the success of the project."

The implemented project has met all our expectations. We absolutely recommend ITMAGINATION as a trustworthy business partner and creator of dedicated IT solutions.

Szymon Małachowski
IT Coordinator
"Our joint success with the ITMAGINATION team is the development of a process and intuitive system that allows obtaining financing in as little as 5 minutes, despite many restrictions and complicated procedures associated with financial services."

Access to online financial services 24 hours a day is already a standard. Our clients expect a reliable and intuitive system that allows managing the finances of the company at any moment.

Emanuel Nowak
Product & Sales Department Manager
"Working together, we have delivered several sophisticated projects that have enabled L’Oreal business users to better understand market trends within the Beauty segment of their respective markets."

L’Oreal Central European Shared Services IT serves 15 countries in Europe and the Near and Middle-East region.

Since 2016, L’Oreal has worked closely with ITMAGINATION in the broad and diverse domain of Business Intelligence services.

Krzysztof Bieniek
Business Intelligence Manager, CE Shared Services IT
"ITMAGINATION is responsible for preparing, creating, and implementing a new data warehouse, which is the bank’s main data repository."

Since 2010, ITMAGINATION has been cooperating with DNB Poland, a member of the largest Norwegian capital group DNB and specializes in the corporate banking sector.

The system integrates over 20 systems at the Bank, including the two main ones.

Konrad Jęczeń & Paweł Świerta
Head of IT & Project Management Department & Deputy Director, IT and Project Management Department
"We fully recommend ITMAGINATION as a professional provider of Business Intelligence & Predictive Maninance (IoT-based) services, and as a trusted technology partner."

We have been working together since February 2016. Tikkurila is a multinational corporation with a strong focus on development and innovation with specific needs and requirements.

ITMAGINATION was able to meet all of these requirements and has proven itself as a reliable and professional technology partner.

Łukasz Malec
ICT Group Director
"The project was completed in a proper manner, in accordance with our expectations and quality requirements, and was delivered on an agreed schedule."

ITMAGINATION has proved itself as a professional partner.

The execution of the project, which consisted of the development and maintenance of the system, as well as support in customer service, absorbed 500 workdays of the ITMAGINATION team.

Mateusz Eichler
CEE Regional Chief Innovation and Technology Officer
"The team has proven to be an enthusiastic partner that’s determined to deliver the best possible solution to their partner."

Their commitment to our company and mission has really impressed us throughout our engagement. They’ve provided a full scope of development services that have impacted our range of service offerings.

Dennis Priess
(Former) Engineering Transformation Manager
"The professionals we hired have the knowledge and expertise we were looking for."

The stability of the platform is much better, the code readability in general has improved.

Luis Quijada
"We fully recommend ITMAGINATION as a professional provider of Outsourcing, Team Leasing services and as a trusted Technology Partner."

ITMAGINATION has been working for the Parade part of William Hill since August 2019. William Hill is one of the most trusted brands in our marketplace, attracting millions of customers from around the world and employing more than 12,000 people in eight countries. ITMAGINATION proved itself as a reliable and professional Technology Partner.

Kamil Stanuch
Site Director
"ITMAGINATION’s employees stand out with sophisticated technical skills, cutting-edge knowledge in the area of business and IT solutions, along with interpersonal skills, which makes our partnership highly efficient."

We have been cooperating with ITMAGINATION since 2014. The company renders outsourcing services, providing dozens of IT specialists for projects related to our industry.

Jarosław Dąbrowski
Member of the Board
"ITMAGINATION perseveres to deliver impressive results that further the development of this ongoing project."

Their team's work has been received well by the our internal management locally, and we are looking forward to garnering the same reactions from our global team.

Medtech Company
Commercial Director
"The team’s knowledge, work ethic, and professionalism are all very impressive and different than I’ve seen before."

The owners of ITMAGINATION take ownership of projects that their company takes on. There’s also a layer of technical management between the owners and the technical leads.

Insurance Tech Company
"Their technical competency was very impressive. Questions were answered professionally and quickly."

Thanks to the implementation of the project, it is now much easier for our controlling team to have a broad overview of the sales and to slice & dice data to dig deeper into specific topics. Our management team is also able to report on sales, have all the relevant data in a single view with granular access control, and make decisions faster and more accurately.

Leading Packaging Solutions Provider
Head of Operations & IT
"ITMAGINATION’s developers are talented, and all stakeholders are pleased with their deliverables."

The project went smoothly, and the team was always able to translate our vision into a real, working system.

They developed the entire custom IT solution for the company. The system houses operations, sales, and everything else within the company. While I came up with the initial idea and concept, the details and systems were designed and developed by ITMAGINATION entirely.

Financial Services Company
Chief Executive Officer (CEO)

Accelerate Innovation In Your Team With An Experienced Partner Who Knows Your Tech Stack Like The Back Of Their Hand

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We're trusted by
Kabbage American ExpressGreenlight ITMAGINATION Customer / ClientLogo ITMAGINATION Client DanoneEurofins ITMAGINATION ClientOrange ITMAGINATION ClientLogo ITMAGINATION Client FIS - Fidelity National InformationServices
and many more!

Our Fields Of Expertise

Custom Software Development
Data & Cloud Solutions Development
IT Outsourcing: Nearshore & Offshore
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We are advisors and engineers helping our clients lead in the digital world and build a better future

DNB Bank

Data Warehouse

Our team at ITMAGINATION was responsible for the preparation, creation, and implementation of a new data warehouse, constituting the main data repository for obligatory and operational reporting.

DNB ASA is Norway's largest financial services group with total combined assets of more than $226 Billion USD and a market capitalization of $19.5 Billion USD. DNB's head office is located in Oslo.

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DNB Bank

BNP Paribas

Bespoke Know Your Customer (KYC) System

ITMAGINATION developed a bespoke KYC system designed and built to support processes around anti-money laundering and anti-terrorism financing by calculating the risk level of each customer.
The key component of the KYC System is the workflow engine that, depending on the segment and risk score, will direct the KYC survey through a set of steps where different departments within the bank will check the survey results further and make their assessment.

BNP Paribas offers savings and investment products, as well as a wide range of loans, while providing businesses with solutions for financing. BNP Paribas also extends its services to enterprises from the agriculture and food sector. It specializes in financing agriculture, the food economy and regional infrastructure.

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BNP Paribas


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).

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Crédit Agricole

Large Scale Data Migration

ITMAGINATION migrated Credit Agricole's data on loans, credit cards, clients, and debt collection to their central banking system. The project was completed very quickly, within the span of 13 months.

Crédit Agricole Bank Polska S.A. is a member of the international Credit Agricole banking group. The bank has a wide range of products in its portfolio. The key segment for the bank are consumer finance products (loans and credit cards) which are available in over 12,000 outlets throughout Poland, as well as the agriculture segment.

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Crédit Agricole

Let's Accelerate Innovation In The
Industry Together!

Capital One

We can help in these areas and more

Custom Software Development
Data & Cloud Solutions Development
IT Outsourcing: Nearshore & Offshore