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Built differently. Deployed faster. Meet us at Unchain

Oradea, June 17–18. Let's talk seriously!

Architect Your Bank’s Tomorrow, Today.

Our services

Three platforms that deliver the future of digital banking

SME credit decisions in Romania take days. This is the remedy for that.

  • Loan origination cycle reduced from days to minutes – embedding AML, scoring, and registry checks inside the flow, leveraging IDA, ADA, and AXI agents to eliminate manual handoffs and document bottlenecks

  • Drives higher conversion with a 360° client view and pre-conversation credit capacity, enabling same-day decisions that eliminate application drop-offs

  • Cloud-compatible with Microsoft Azure and GCP – the platform empowers business teams to launch new credit products without IT intervention, supported by built-in compliance, audit trails, and reporting from day one

 

Trusted by BRD, Alior Bank, ING Belgium (czy można użyć nazw? PR). Recognised in the Gartner (czy można wspomnieć nazwę? PR) Market Guide for Commercial Loan Origination.

The SME lending gap in Romania is wide open. The banks that move first will own that segment.

 

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Loan

Intelligent Credit Platform

Trusted by BRD, Alior Bank, ING Belgium. Recognised in the Gartner Market Guide for Commercial Loan Origination.

Corporate

Agentic SME & Corporate Banking

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Factoring

End-to-end factoring platform

Self-running factoring operations free up the people who should be talking to clients.

Example

The SME lending gap in Romania is wide open. The banks that move first will own that segment

SME credit decisions in Romania take days. This is the remedy for that:

  • Loan origination cycle reduced from days to minutes – embedding AML, scoring, and registry checks inside the flow, leveraging IDA, ADA, and AXI agents to eliminate manual handoffs and document bottlenecks
  • Drives higher conversion with a 360° client view and pre-conversation credit capacity, enabling same-day decisions that eliminate application drop-offs
  • Cloud-compatible with Microsoft Azure and GCP – the platform empowers business teams to launch new credit products without IT intervention, supported by built-in compliance, audit trails, and reporting from day one
Scale your lending in Oradea – book a slot

Example

The SME lending gap in Romania is wide open. The banks that move first will own that segment

Context-aware digital banking platform that anticipates the needs of your business banking clients:

  • Cutting C/I Ratios with a Hybrid Strategy – Securing both the defense and offense of your bank, Agent-Mesh automates your back-office end-to-end to industrialize efficiency. This structural productivity protects margins against cost pressures. It delivers a measurable ROI, with up to 125bp improvement in your C/I ratio.
  • LTV built into the architecture – every interaction is logged and contextualized to power the next recommendation, scaling revenue without a linear increase in acquisition costs
  • Every specialist on our team works with agentic AI daily – when we guide your bank through AI adoption, we've already run the process ourselves
See the architecture in person – book a slot

Example

The SME lending gap in Romania is wide open. The banks that move first will own that segment.

Full factoring lifecycle – automated from limit to settlement. Built for what Romanian CFOs actually deal with:

  • Covers domestic and international factoring in one system via native FCI integration and AI-driven payment reconciliation, eliminating manual matching and the need for parallel toolsets
  • Real-time risk & limit automation – replaces manual spreadsheet approvals with an engine that sets and updates limits based on live risk assessments, providing instant visibility into settlement tracking across the entire portfolio
  • Agile, cloud-compatible connectivity – utilizing Microsoft Azure or GCP, the platform integrates natively with ERPs (SAP, Oracle) and banking APIs while staying ahead of 2030 E-invoicing laws to ensure seamless data exchange without forceful replacements
Let’s talk factoring in Oradea – book a slot

The SME lending gap in Romania is wide open. The banks that move first will own that segment.

Get in touch
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Already live in Romania, with the country's 4th-largest bank

BRD – Groupe Société Générale holds 10.2% of the Romanian banking market. They evaluated their options. They chose Comarch. And they've been running on it ever since.

This isn't a pilot. It isn't a proof of concept sitting in a sandbox. It's a live deployment – fully operational, fully compliant with DORA and BNR requirements, inside one of the most scrutinized financial institutions in the country.

What that means for you?

  • We don't learn the Romanian regulatory environment from documentation – we operate inside it

  • Every compliance requirement you'll face, we've already solved it

  • The architecture running at BRD is the same architecture we're bringing to your bank

Explore more
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Meet Alexandru Calin, Chapter Lead, Corporate Lending Solutions at BRD

At Unchain, Alexandru takes the stage to talk about what a real deployment in a Romanian bank looks like – the decisions, the compliance challenges, and the things that surprised them. Not a vendor case study. A practitioner talking to practitioners.

If you want to hear it straight from someone who's been through it – this is the session.

 

The adoption of Comarch’s Loan Origination platform marks an important step in streamlining our credit operations. By consolidating multiple operating streams into a single, unified credit file, we have created a leaner, more efficient process that improves approval timelines and reduces manual errors. This enables our colleagues to focus on delivering tailored financing solutions that meet the evolving needs of our non-retail clients.

Alexandru Calin

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The banks that decided. The results that followed

Who else is running on this?

Sixty banks across four continents run on Comarch platforms today. Some started with one product. Some came with a full transformation mandate. And all of them went live.

Here's just a small glimpse of what that looks like, explained in their words, and how it’s recognized by the industry.

About Comarch Factoring Platform:

The new system is rated significantly better than the previous version. Customers are very pleased with the ability to generate reports in an intuitive and simple way.

Eliza Wyrzykowska, Head of the Factoring Service Department, Member of the Management Board of BNP Paribas Faktoring

Once we explored the Comarch Factoring Platform (…), we realized many of our expectations could be met in a smarter, more efficient way – often without any customization at all.

Ewa Gawrońska-Micuń, Head of Strategic Marketing and Product for CEE Region, Country Manager Poland, Bibby Financial Services

Recognized by the industry. Verified by the banks.

FinTech Futures Awards 2024

Best Digital Solution Provider, Banking Tech

Global Finance 2019

Best Integrated Corporate Banking Site (ING)

 

Digital CX Awards

Best Digital CX Partner, SME Bank

 

Gartner Market Guide

For Commercial Loan Origination Solutions

 

WOA Digital

Best Factoring Software in Europe 2025

 

SME Banking Club

Best Factoring Software in CEE Region 2024, 2023

 

Trusted by leading companies

A word from Oradea – before we meet in person

Iulia-Teodora Nuta knows Romania's banking market – and she knows Oradea. In this short video, she'll tell you what she's bringing to UNCHAIN, what she wants to talk about, and where to find the best papanași in the Fortress.

Some conversations are worth having before the event starts.


Meet the Minds Behind the Tech

You'll find our people at booth no. X

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Iulia-Teodora Nuta

Romania Market

She knows the Romanian banking market from the inside – talk to her first if you want context before the product conversation.

See my Linkedin
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Piotr Kusek

Sales Director CEE

He's had the "we're not ready yet" conversation with banks that are now live – give him 30 minutes to see if you still want to wait.

Let's talk
People_MGD-4964 PZ 13-5 Romania7

Robert Błaszczyk

Corporate Banking Expert

20 years of corporate banking implementations across CEE – if your platform frustrates your clients, he's seen exactly why.

Let's talk
People_MGD-4964 PZ 13-5 Romania3

Dorota Sikorska

Loan Origination Expert

She's built lending systems that process thousands of decisions a day – she’ll tell you why yours still runs on spreadsheets.

I'm in!
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Krzysztof Uchman

Sales Banking Expert

If you want to know what a realistic implementation timeline actually looks like, skip the brochure and ask Krzysztof directly.

Contact me
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Wojciech Mach

VP at Comarch

Wojtek is an IT executive who drives business growth and digital transformation across the banking, insurance, and capital markets.

Let's talk

Let the countdown to Unchain break the links

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Something’s still holding you back?

I can't make it to Oradea – can we still talk?

Absolutely. Book a virtual session through the form and we'll schedule a call that works for you. UNCHAIN is where we'd rather meet – but it's not the only place the conversation happens.

Do I need a UNCHAIN ticket to meet your team at the booth?

No. Our booth is open to everyone at the festival – no ticket or prior registration required. Just walk up, or book a slot in advance if you want a guaranteed time with a specific person.

What if I want a deep technical session, not just 30 minutes?

Tell us when you book. We'll match you with the right person and set aside the time you actually need – architecture walkthrough, compliance deep-dive, or a full product demo. Thirty minutes is the floor, not the ceiling.

Will you do a demo at our offices after the event?

Yes – and we prefer it that way. Oradea is the introduction. The real conversation happens when we're in your building, looking at your setup. Use the form to flag your interest and we'll follow up within 48 hours after the event.

Which product should I ask about if I'm evaluating lending platforms for SMEs?

Start with Comarch Loan Origination – it's built specifically for banks that want to industrialize SME lending without disrupting what already works. If you're also looking at corporate clients or factoring, let us know and we'll bring the right people to the same table.

I‘ve heard many contradictions about the use of AI in business. What can AI really do in banking?

We’re aware that many myths are circulating about AI's actual capabilities. Let’s talk facts – our experts will tell you everything you need to know.