30+ years in the financial market as trusted partner in the digital transformation journey of banking & financial institutions

We support banks, payment & financial institutions and intermediaries with a comprehensive portfolio of specialized solutions and services based on innovative technologies. Our competencies range on a wide spectrum of areas mixed together with the advanced software skills to offer a unique set of solutions fo the financial market:

   -  Cheleo Suite: Financial modular software for the Consumer credit & NPL management;

   -  FARADAY: Modular platform for Risk management & AML;

   -  Software development & Testing specialized support.

Italian leader for NPL & Consumer credit management

Cheleo - a TXT company - is the Italian specialist in the field of design and development of products and services for the life cycle management of financing by financial and banking intermediaries: preliminary investigations, credit management and collection, disposal of credit packages, both “performing” and “non-performing”. The types of financing covered by our suite are: leasing, loans, salary-backed loans, factoring and Non Performing Loans (NPL).

With 15+ years experinece in the financial market, Cheleo is recognised as specilized provider of software solutions for the management of the financing; We provde our customers with best-in-class solutions and technical support... since the release of our first financial software, our goal has always been the satisfaction of our customers.

We provide specialized solutions to meet the needs of our customers in the financial markets, leveraging on technologies and specilized technical competenies to promote the access and use of information and data.

Our mission is to create value for our customers by designing, developing and selling high-tech applications and services for the financing markets. 


Cheleo Suite: Our Proprietary Solution


Best-in-class software solutions for the management of financing and Non Performing Loans (NPL), designed for financial and banking intermediaries.

The Cheleo Suite is build on vericat, web-based software modules and offers the following solutions:


A new risk approach: innovative solutions for the compliance

We offer a set of specilized solutions for the risk assesment on financing terrorism, corruption, money laundering and more. Our comprehensive platform aims to meet the needs of all the entities as Bank institutions, Insurance companies, Public entities, Governments and all those who are subject to the AML European and national legislation.

Each solution, although designed and tailored according to the needs of customer and the related activity carried out, is based on a highly flexible basic platform, FARADAY ™, which allows users to manage different types of data and support the calculation of risk in various areas.


FARADAY: an AI based solution for Risk Management & AML


Save up to 70% on your compliance costs: Our new, innovative platform has changed the risk approach allowing Banks, Payment institutions, Insurances and Public Entities to be compliant and responsive to Corruption, Money Laundering and other regulations by saving money and time.

The FARADAY platform combines the specilized technical know-how in risk management with innovative technologies as machine learning algorithms to offer best-in-class solutions.

FARADAY.80: SaaS for Public Sector & Public Tender Compliance

The new regulations oblige Public Entities to go through complex and expensive compliance processes that impact cost plans and efficiency.

We have developed a new software module for our FARADAY platform designed to be responsive with the compliance needs of Public Entities and Governments, by managing all the processes from risk assesment to the preparation and forwarding of reports.

Discover more and try our new solutions; contact our experts in compliance and risk management to understand your best choice.


Software Development & Quality Services

We support customers in the financial sector in developing quality software and defining strategies and testing processes, with the aim of improving the quality of the applications released, even if developed by third parties. Our teams have a consolidated experience in banking and financial core processes and IT applications and a strong methodological competence that allows to support organizations in the management and optimization of the development of web/mobile applications and software quality process.

The Group Quality Assurance Center is a structure dedicated to the financial world, whose focus is on optimizing IT quality and alignment with the business. Through a model of measurement and control of the IT risk, we guarantee the effectiveness and efficiency of the information systems.

The work is carried out by specialists in possession of ISTQB certifications and deep knowledge of the main market and open source technology platforms, through which customers are supported to achieve the highest software quality in all their projects, being then carried out using waterfall and agile methods.


Software development

Today dematerialization, virtualization, disintermediation, mobility are some of the key words widely used in the business plans of different entities and that make software applications leading actors in the developing of different businesses, from production to delivery, from management to organization, from internal communication to customer relations; in this context, application development acquires an increasingly strategic role, requiring increasing levels of quality and effectiveness at the adequate cost.

30+ years of experience in the financial, telco and logistic sectors make of TXT Group the ideal partner for companies looking for agile and effective solutions to develop their business with reliable, performing and scalable application solutions and quality software, leveraging on strong skills in web/mobile applications design and strong synergies with software quality assurance proven specialized know-how.

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Software quality & Testing strategy

As first mover & Italian leader in Software Quality services for Italian Banking Industry, in the current evolving environment we have developed an envolving, bast-un-class range of testing strategies for different needs:

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Independent Verification & Validation

Software verification & validation is defined as a system engineering methodology aimed to ensure that quality is "built into" the software during development. TXT Group offers a proven experience in IV&V, providing a large team dedicated to IV&V activities for different markets and wide-ranging knowledge of several tools and suites including open source ones.

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How we work


Innovative proprietary platforms


On-Site with offices in Milano, Torino and Bari


Off-Site with 200+ professionals


Turn Key Support


Test & Quality Factory

TXT FinTech management team


Enrico Magni

Group CEO, TXT


Giovanni De Stradis

Head of Software quality services Founder/CEO of Assioma - a TXT company


Andrea Serra

Head of Digital payments solutions Founder/CEO of Assiopay - a TXT company


Michele Martini

Head of Risk Management & AML Solutions Co-Founder/CEO of TXT Risk Solutions


Mario Turla

Head of Risk Management & AML Solutions Co-Founder/CEO of TXT Risk Solutions


Bruno Roma

Head of Solutions for Consumer credit & NPL management Co-Founder/Chairman of Cheleo - a TXT company


Flavio Minari

Head of Solutions for Consumer credit & NPL management Co-Founder/Managing Director of Cheleo - a TXT company


Francesco Sacchi

Head of solutions for the Supply Chain Finance Founder/CEO of TXT Working Capital Solutions