In the dynamic world of finance and banking, security, reliability and adaptability are key. We present our know-how and the aspects of the industry we focus on, specifically designed to meet these requirements and support your growth.
Financial data is one of the most sensitive and our experience has made us aware of the need for the highest standards of data security and protection. We implement advanced technologies and procedures to secure your information and ensure compliance with regulatory requirements. We regularly update our products to ensure no security threats remain. The human element is an integral part of security, so we train our employees to eliminate these risks. Our diverse experience from a wide range of projects around the world ensures that we won't let you down. We are dedicated to protecting your financial data and ensuring it is safe.
In a world of finance where every second can mean the difference between profit and loss, we provide IT solutions that guarantee high availability and the ability to process huge volumes of data in real time. Our infrastructure is optimized for fast processing of financial transactions and analysis of market trends, enabling our clients to create informed strategies with instant access to data. Leveraging industry-leading redundancy and scalability solutions, we ensure that your critical systems remain active in the event of unexpected events. As a result, we offer financial institutions and banks a partnership they can rely on for their most sensitive operations.
Our company has extensive experience in implementing technology projects that are specifically designed to meet regulatory requirements in the finance and banking sector. We have worked with a number of central and commercial banks to develop systems that not only respect regulatory frameworks but also bring innovation to traditional banking operations. Through these projects, we have gained a deep understanding of the specifics of the regulatory environment and its impact on the technical aspects of banking. This experience enables us to offer solutions that are tailored to the current and future requirements of our clients.
Our clients find in us not only an IT solution provider, but above all a trustworthy partner for long-term cooperation. This partnership is based on mutual trust and a history of successful projects, which our clients entrust to us repeatedly. Our focus on quality, transparency and open communication allows us to build relationships where clients know they can rely on us for the next phase of their business. This model of long-term collaboration not only allows us to better understand our clients' needs, but also to tailor our services to best fit their evolution.
In today's fast-moving digital world, every second is crucial. Our software solutions not only offer high availability, but also astonishing processing speed. Using cutting-edge technology and infrastructure optimization, we are able to respond quickly to our clients' requirements and process huge volumes of data in real time. With our focus on speed and efficiency, we provide our clients with a competitive advantage that is critical for success in the dynamic financial market environment. Close attention to performance and cutting-edge technology solutions ensure that our software is always ready to meet our clients' most demanding requirements and respond to their needs without delay.
Our solutions are designed with future growth of your business in mind. We are able to efficiently scale our products and infrastructure to provide you with the support you need as your business grows. Scalability is one of the key elements of our approach in software development. Every piece of code, every piece of infrastructure, and every solution we provide is designed with future scalability and growth of your business in mind. It's not just about the needs of the moment, it's about a long-term perspective that takes into account your planned growth and expansion.
The MyLoan project is an application designed to provide credit to online shops in the Czech Republic and abroad. These include Alza, Mall, Datart and others. Gradually, the project was almost completely rewritten to meet new and demanding requirements such as modern design, high performance and better user experience. Key improvements include fail-safe deployment and reduced operational costs. As part of the development, we added new features such as downloading statements directly from the bank account. The most recent contribution is the redesign of the app section to make it easier for existing clients to take out loans and integrate more deeply with the mobile app. We also now enable hire purchase through payment gateways.
We have been working with colleagues from Rationis for many years. The originally planned help, for a few months, turned into a long-term relationship. The developers at Rationis are real experts and there is hardly a problem they can't handle. We also sat down in person and the collaboration works great.
Pavel Ferdan, development team leader
We have been part of the development of this product since its inception. This is one of the biggest innovations in recent years, as the original ‘hire purchase’ product has been gradually migrated to a completely new code, including the user interface. Thanks to the thoughtful design and unified code base, we were able to extend the service to serve individuals, self-employed and corporates with only minimal changes to the application. We developed a module for A/B testing and created a corresponding application to manage it. The product was enriched with new features to help clients manage the loan process and meet the requirements of national banks. Key features include OCR, FaceID, BankID and other tools that simplify the process for clients and reduce costs.
Good cooperation, the developers are willing, helpful and I always find time for consultations. They know how to come up with their own ideas on how to look at the given issue. Tasks are delivered on time and with corresponding quality. I definitely recommend the cooperation.
Mária Kopečná, product owner
In the Moroccan project, when the original Experian Credit Bureau systems were replaced by Credit Info systems, we were mainly responsible for the development of the Batch Transformation Module solution, which transforms data from flat file format according to the specifications of the original system into xml format so that the implemented CB5 (Credit Bureau System) is able to import it into the system and commercial banks operating in Morocco do not have to change their systems. In this implementation, we emphasized formal data validation, and high throughput of the system, which has to process tens of millions of records of contracts and other credit information every month.
The partners from Rationis have been tirelessly and with the utmost professionalism dedicated to the Moroccan system project, and their approach and commitment even across the complexities of the migration has been perfect. With careful planning, excellent communication and a high level of technical know-how, they were able to efficiently develop and implement a critical data transformation module, enabling a smooth migration of the Credit Bureau's systems. Our teamwork and commitment enabled us to meet our goals and provide our clients in Morocco with a solution that exactly matches their needs and expectations.
Tucker Zengerle, CTO
At the beginning of the cooperation with CreditInfo, the most challenging project in the form of a new implementation of the Credit Bureau 5 system for the Indonesian company Pefindo was underway. Our developers came to the project at a late stage of integration into the Indonesian environment. The huge volumes of data, the distribution of the workload between multiple nodes of the system, the high security and legislative requirements of the client and the need for time efficiency posed a real challenge. Technical know-how and the ability to respond agilely to evolving requirements were critical to the success of the project, as the initially monolithic product was split into scalable modules capable of distributing the workload between nodes during the project. All of which ultimately translated into success in the form of hundreds of millions of credit records in a system built “on the greenfield”.
During the implementation of our systems for our largest client at the time, Pefindo in Indonesia, our partners at Rationis worked with us to develop several products. In addition to our core credit system CBS, which is at the top of the credit sector in terms of complexity and functionality, this included the BTM system for transforming large volumes of data. Rationis was involved in its development almost from the beginning, and as a result, our partners were able to analyse and process the requirements of a system handling up to hundreds of millions of credit subjects in real time under extreme security conditions at Pefinda's headquarters in Jakarta.
Marek Barilla, software architect
For the project for the Central Bank of Sri Lanka, we have been mainly involved in the implementation customization of CB5 for Sri Lankan needs, for example we have developed a new Self Inquiry module or redefined the Billing module. We optimized this module in terms of performance, where the processing time was reduced by about 100 times. Later in the development phase, we took a leadership role within the implementation team, working closely with the project manager and providing the technical insight needed to achieve the project goals. Also of note was the development of scripts that semi-automated the process of deploying new versions to client environments, which resulted in a large time savings and allowed for a shorter customer feedback cycle. During the project, we visited CRIB’s offices onsite in Sri Lanka to gain deeper insights on the client’s needs.
I worked with Rationis to implement a credit bureau for a client in Sri Lanka, where we had to deal with a number of workload challenges for a very demanding client. Rationis colleagues were partners with whom we were always able to find a solution that satisfied the client's needs but saved the company money at the same time. I could rely on the agreed tasks to be delivered to the required quality and to the agreed deadline.
Lukáš Záruba, technical project analyst
The project in Oman consisted in implementing CB5 for the needs of the local market, where we developed new modules and functionalities of the credit registry. During the project, our experts repeatedly worked directly in Oman, helping to integrate dozens of local banks to the new system. This consisted primarily of installing and configuring the data transfer bridge, training on the use of the BTM (Batch Transformation Module) and initial analysis of the input data, validating it and correcting its shortcomings.
Colleagues from Rationis worked directly with me on several projects where Creditinfo has delivered complex solutions for critical infrastructure of the banking sector at a national level. Within these projects, we tackled many interesting challenges in terms of overall system design, performance, stability, internal process monitoring and challenging change management. The team was always willing to proactively and constructively work together to address these challenges for which they deserve thanks and recognition for successfully completed projects.
Filip Kratochvíl, Head of Project Management
Our experts had a leading role in upgrading the core products CB5 and IDS (Identity Service) to .NET 6. By that time, CB5 was on .NET Framework 4.6, so it was a significant shift. CB5 consists of over a dozen solution files (.sln) with hundreds of project files (.csproj). Technologically, some of the biggest challenges included replacing WCF services with CoreWCF, migrating Entity Framework 6 with database-first access to Entity Framework Core 6 with code-first access, or replacing some third-party technologies or libraries no longer supported in the new framework. Organizationally, the biggest challenges were not to get “lost” in the huge volume of work, when often there was no light at the end of the tunnel, and to upgrade during the normal operation of several other teams working on system development and other projects. We managed to successfully complete the whole project with only a short code-freeze before the final merge into a common development branch.
I am thrilled to commend Filip, a Consultant at Rationis, for his invaluable role as a Senior Software Engineer in leading our organization's migration from .NET Framework 4.7.2 to .NET 6. His remarkable technical prowess, leadership and collaboration skills were evident throughout the duration of the project. Despite facing challenges, Filip successfully migrated more than 1300 projects in six months, which is a testament to his determination and expertise. While there were instances where communication and coordination needed improvement, Filip's ability to foster teamwork, anticipate technical issues and provide solutions was exemplary. Although budget management concerns were raised, Filip's proactive problem solving and unwavering commitment to excellence ensured the project was completed. Overall, Filip's contribution was essential, addressing both strengths and areas for improvement, and can therefore be highly recommended for future projects requiring technical prowess, leadership and teamwork.
Jaroslav Jirava, Chief Software Architect