Fintech
overview
FINTECH
The fintech sector combines innovation and new business models to provide financial services beyond traditional banking. In this field, Intecs offers a wide range of products and services and is the only Italian company admitted by Banca d’Italia to the second regulatory sandbox window. This allows Intecs to test, in a protected and controlled environment, an automated monitoring tool for open banking interfaces aimed at measuring service continuity and quality in a production environment.
The experimentation will last 14 months and conclude in 2025.
The proposed tool is significantly different from the ‘Validatore XS2A’ product, as it operates directly on current accounts in a production environment, executing money movements and implementing a circular mechanism for transferring funds across multiple bank accounts.
THE OFFER INCLUDES:
OPEN BANKING
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Development of applications based on customer specifications and compliant with protocol, functional, and quality requirements as defined by international standards.
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Customizable solutions for the automatic verification (functional, compliance with standards, and robustness) of applications: ATE (Automatic Test Equipment).
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Development of blockchain solutions for the real economy, with permissioned and permissionless smart contracts.
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Development of predictive solutions with Artificial Intelligence (Machine Learning and Big Data).
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Development of solutions for e-commerce and electronic payments.
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Supply of pre-developed products and solutions, integrable or deployable in ‘white label’ mode.
BLOCKCHAIN
Innovative tools such as blockchain notarization, tokens, smart contracts, and the metaverse are revolutionizing digital ownership and value exchange, transforming business models and enhancing operational processes across all economic sectors. The transition from online to on-chain is underway and will gradually involve all companies. Intecs’ Fintech market offers end-to-end blockchain solutions through its industrial partnerships, supporting clients from initial strategic training to feasibility, development, and solution integration, ensuring a smooth and direct workflow..
Validatore XS2A
Thanks to decades of experience in rigorous fields, a suite of tools has been developed for the automatic validation of Open Banking applications and services based on PSD2/XS2A. The product, configurable and customisable, performs functional, compatibility, stress, robustness, and non-regression tests. At the end, it automatically generates a PDF document with the results. Operators can easily define and store additional tests.
Fraud Prevention System
The system is part of the digital payment security framework and enables the identification of potential fraud in banking transactions. The system, which primarily focused on credit card transactions, uses machine learning techniques to detect fraud with a probability of over 95%.
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AMEG
The product, developed by Intecs in collaboration with Professor Biggiero from the University of L’Aquila, is designed to manage both direct and indirect credit risks associated with a company. It provides a networked view of the customer portfolio, identifies connections and dominances among customers, and uses simulation functions to pinpoint critical areas and reduce the overall portfolio risk.
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v-iban
The Open Finance solution developed by Intecs’ Fintech division in collaboration with Fabrick is useful for companies with high volumes of payments and collections. The Virtual IBAN service significantly reduces management and associated costs, allowing the definition of virtual IBANs linked to a single real IBAN. This enables monitoring and controlling each account associated with a specific function or department within the company.
