Digital Finance

Money moves fast.
We move faster.

Payments in milliseconds. Credit decisions in real time. Regulations that move the market. The institutions that stay ahead share one belief: lasting advantage comes from mastering the technology and innovation that runs the business.

TXT designs, builds and operates the proprietary software running underneath what matters most: payments, credit, risk, distribution, governance. One stack. One team. One way of working, end-to-end: precision, accountability, velocity.

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500+

Specialists

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100+

Clients

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30+

Years serving financial institutions

What we do

Deeper roots in finance. Stronger platforms.

Full accountability. Full innovation.

From payment infrastructure to credit decisioning. From financial crime prevention to distribution management. We bring together proprietary platforms, domain expertise and cutting-edge development capability — not to help financial institutions keep up, but to help them define what comes next.

  • 01 Business strategy & digital transformation

    Strategy and execution, always aligned.

    We support financial institutions in defining strategic direction and building the organisational capabilities required to execute it. Our expertise spans digital strategy, IT governance, enterprise architecture, operating model design, vendor and technology sourcing, ESG strategy & reporting, process optimisation and automation, and business transformation programmes. Through project management, change enablement, process mining and data-driven decision making, we help organisations align business objectives, technology investments and operational execution, ensuring transformation initiatives deliver measurable and sustainable outcomes.

  • 02 Sales growth & distribution

    From first contact to a verified customer.

    We design, implement and operate the digital capabilities that power customer acquisition, distribution and servicing across financial institutions. Our solutions support sales network management and commission automation to lead generation, qualification, and financial product sales. Our platforms support every single step of the customer journey.  We also enable compliant customer onboarding through identity verification systems developed and managed entirely in-house. By combining digital platforms, workflow automation, process optimisation and regulatory-compliant onboarding, we enable institutions to accelerate growth while maintaining operational efficiency, transparency and customer experience excellence.

  • 03 Digital financial solutions & delivery

    Where proprietary application meet financial performance.

    We design, build, and operate digital platforms for financial institutions. Our solutions support leasing, factoring, consumer finance, supply chain finance, cash management, payments, smart POS services, and loyalty ecosystems, enabling efficient and scalable operations. Fully developed in-house, our applications integrate with existing core banking environments and leverage AI to enhance automation, decision-making, and service delivery. We engineer custom solutions, drive end-to-end system integration, and enforce uncompromising quality assurance — turning complexity into competitive advantage.

  • 04 Risk, compliance & cybersecrity governance

    Every threat. Every regulation. One trusted partner.

    We help financial institutions strengthen resilience across regulatory, operational and cyber risk domains. Our services cover compliance governance, cybersecurity strategy, information risk management, operational resilience, business continuity, internal control systems, third-party risk management and regulatory compliance. Powered by AI-enabled solutions for AML, KYC and Watchlist Screening, and supported by deep expertise in risk governance, security architecture and compliance frameworks, we enable organisations to proactively manage risk, protect critical assets and maintain trust in an increasingly complex regulatory environment.

Smart Solutions

We build the systems behind the money system. Payments, lending and risk. Owned end to end. 
Compliance engineered into every step.

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[Cards]_[Smart solutions]_[Faraday]

Faraday

AI-POWERED FINANCIAL CRIME DETECTION & COMPLIANCE. WE PROVIDE A UNIFIED AI-DRIVEN PLATFORM TO IDENTIFY, ASSESS, AND MITIGATE FINANCIAL CRIME RISKS ACROSS THE ENTIRE COMPLIANCE LIFECYCLE.

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[Cards]_[Smart solutions]_[Digital Insurance]

Digital Insurance

A PLATFORM THAT STREAMLINES THE ENTIRE POLICY LIFECYCLE, FROM UNDERSTANDING CUSTOMER NEEDS TO EXECUTING CONTRACTS, WHILE PROVIDING INTEGRATED SOLUTIONS FOR UNDERWRITING, ADMINISTRATION, AND CLAIMS.

Our projects

Where essential innovation makes the difference

  • 01 Credit & Lending
    [Project-list]_[Credit & Lending]

    One platform, a thousand agents

    OUR DIGITAL LENDING PLATFORM, NOVIGO, HAS ENABLED A LEADING FINANCIAL PRODUCTS DISTRIBUTION NETWORK OF OVER 1,000 AGENTS TO RUN FRONT AND BACK OFFICE FROM A SINGLE SYSTEM — CLIENT ONBOARDING AND DUE DILIGENCE, SALE OF MORTGAGES, CQS LOANS AND INSURANCE, SALES NETWORK AND COMMISSION MANAGEMENT, REPORTING. RESULT: 1,200 USERS, €3.2 BILLION INTERMEDIATED PER YEAR, COMMISSION PAYMENT TIMES CUT BY 50%.

    [Project-list]_[Credit & Lending]
  • 02 AML & Risk Management
    [Project-list]_[AML & Risk Management]

    From alerts to real anomalies

    OUR AML PLATFORM, FARADAY, HAS ENABLED A LEADING ITALIAN BANK TO TURN RULE-BASED ALERTS INTO FULLY QUALIFIED, RISK-CLASSIFIED ANOMALIES, LAYERING AI-DRIVEN RELATIONAL CLUSTERING ON TOP OF ITS EXISTING DETECTION SYSTEMS. RESULT: MORE CASES ANALYSED, SHARPER DETECTION OF GENUINELY SUSPICIOUS ACTIVITY, FASTER PROCESSING, LOWER DEDICATED HEADCOUNT.

    [Project-list]_[AML & Risk Management]
  • 03 Quality Assurance
    [Project-list]_[Quality Assurance]

    Testing the systems markets run on

    OUR TEST AUTOMATION SERVICE HAS ENABLED A LEADING PLAYER IN THE EUROPEAN FINANCIAL MARKETS TO SECURE THE PLATFORMS BEHIND TRADING, POST-TRADE AND MARKET SURVEILLANCE ACROSS A HIGHLY VERTICAL, COMPLEX DOMAIN. A DEDICATED TEAM OF 35 RUNS HUNDREDS OF AUTOMATED REGRESSION SCENARIOS, WITH ACTIVE PRODUCTION MONITORING INTEGRATED INTO THE CLIENT'S ALM TOOLS.

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  • 04 Process Intelligence
    [Project-list]_[Process Intelligence]

    From process data to decisions

    OUR PROCESS MINING PLATFORM, APROMORE, HAS ENABLED LEADING PLAYERS IN ITALIAN BANKING — INCLUDING THE COUNTRY'S MAIN PUBLIC FINANCIAL INSTITUTION AND THE PARENT COMPANY OF ITS LARGEST COOPERATIVE BANKING NETWORK — TO MAP COMPLEX OPERATIONAL FLOWS, IDENTIFY DEVIATIONS AND SIMULATE WHAT-IF SCENARIOS. RESULT: 80+ PROCESSES ANALYSED ACROSS 21 CLIENTS.

    [Project-list]_[Process Intelligence]
  • 05 Data & Business Intelligence
    [Project-list]_[Data & Business Intelligence]

    From raw data to decision-ready reporting

    OUR DATA INTEGRATION AND BI SERVICE HAS ENABLED LEADING ITALIAN FINANCIAL AND INSURANCE GROUPS — INCLUDING THE PARENT COMPANY OF THE COUNTRY'S LARGEST COOPERATIVE BANKING NETWORK AND ONE OF ITS MAIN INSURANCE AND FINANCIAL GROUPS — TO TAKE OWNERSHIP OF THE FULL DATA LIFECYCLE. RESULT: 150+ DASHBOARDS, 30 DATA WAREHOUSES/DATA MARTS, 40 DATA SOURCES INTEGRATED, 100+ ETL/ELT FLOWS.

    [Project-list]_[Data & Business Intelligence]

Make your digital solution
your next best investment.