We cover consumer and SME financing as well as deposits, secured and payday lending, from instalment to invoice finance throughout the entire credit life cycle. Modular software, desired add-ons and operational customisation are the key points of our full infrastructure implementation, making sure that your new systems’ ecosystem performs.

We stand for fair insurance for cars and drivers, which naturally means that we have our own story to tell. A simple story, which is at once beautiful, straightforward and full of action.

Cybernetica has over 20-years of experience in building future-proof products that rely on R&D. We have been a key partner in developing e-governance solutions for many countries, from Estonia to all over the world. Our expertise ranges from digital identity technologies to secure data exchange, i-voting, information security, situational awareness and more. Our next generation digital ID technology turns mobile devices into secure authentication and qualified signature devices for the user, while regulatory compliant, scalable and efficient for the service provider.

Tuum is a modular core banking platform for a quick roll-out of customer-centric financial services. The platform has been carefully developed with agility and flexibility in mind: It’s cloud-agnostic, configurable without customisation, and covers all retail and business banking processes from accounts, lending, payments and cards to financial accounting, assets & collateral and debt management. Tuum is the innovation engine powering the next generation of financial services.

Salv was founded in Estonia in 2018 by ex-Skype and ex-Wise co-founders. In addition, early joiners brought startup know-how from fellow unicorns Bolt and Pipedrive, as well as financial industry knowledge from leading banks such as HSBC, ING, and Nordea, and the deep-tech engineering and data science expertise that’s become the hallmark of Estonian startups. Salv’s products enable customers across ten European countries (and beyond) to meet their anti-money laundering, screening, monitoring, and risk assessment needs, including two top-35 European banks, Swedbank and SEB. Major fintechs such as TrueLayer and Sun Finance trust Salv with every transaction that passes through their business. In just a few years the team has grown to 50+, with serious expansion to come as Salv’s AML Bridge – Europe’s first cross-border FinCrime intelligence sharing platform – expands to Baltics, UK and beyond.

We are the partner of the Estonian state in issuing certificates for national identity documents (ID-card, Mobile-ID, Digi-ID, residence permit card and e-resident’s Digi-ID). We enable the citizens of different countries to log in to e-services and give electronic signatures. SK ID Solutions caters to nearly 1000 organizations, which include financial, healthcare, education, and various other private and public sector e-services. We have issued 3 000 000 authentication tokens across the Baltics.