What Natech Banking Solutions does

Natech Banking Solutions is a Greek-headquartered fintech, founded in 2003 in Ioannina, that sells a modular, front-to-back banking platform to small and mid-sized financial institutions. Its product suite spans core banking (live general ledger, lending, deposits, e-wallets, BNPL), digital channels, anti-money laundering (AML), trade finance (Letters of Credit and Guarantee, SWIFT messaging), banking-as-a-service (BaaS) infrastructure, and vertical solutions for neobanks, microfinance institutions and e-wallets. The platform is API-first, cloud-native and microservices-based, deployable on public cloud, private cloud, hybrid or on-premise, with full-stack go-live targeted in under 90 days and standalone modules deployable in as little as two weeks. Natech holds ISO 9001, 22301, 27001, 27701 and 14001 certifications and operates across offices in Ioannina, Athens, Berlin and Zug.

Natech generates revenue primarily through subscription and licensing fees for its platform and modules, supplemented by managed-service fees for fully managed offerings such as e-wallets, and professional services tied to deployments. Go-to-market is enterprise-led, combining direct field sales (with a 'Book a Demo' funnel and 45-minute personalized demonstrations), a channel and consulting partner ecosystem (50+ banks, networks, payment partners and cloud providers including a Microsoft Silver partnership), and strategic alliances such as the Snappi joint venture with Piraeus Financial Holdings. Named customers span Credit Agricole, Piraeus Bank, Ziraat Bankasi, Cooperative Bank of Karditsa (a 20+ year client), Cooperative Bank of Epirus, Cooperative Bank of Chania, Tara Apap Group, BMW Financial Services Greece, Microsmart and Snappi, across 40+ countries. As of mid-2025 the company had raised approximately €43 million cumulatively (a €10M convertible in March 2023 and a $33M Series B in June-July 2025) to fund European expansion, AI and composable banking R&D, and go-to-market scaling into Germany, Italy and Central Eastern Europe.

Name

Natech Banking Solutions

Legal name

Natech S.A.

Website

https://natechbanking.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

101–250 employees

Short description

Natech Banking Solutions provides a modular, cloud-native, API-first banking platform — covering core banking, digital channels, AML, trade finance and BaaS — for small and mid-sized banks, neobanks, fintechs and microfinance institutions across 40+ countries, and operates Greece's first ECB-licensed neobank, Snappi.

Ownership category

akta.pro rank

Product category

Core Banking Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)

akta.pro secondary industries

Digital Banking & Neobank Platforms (BPAMAFAD), BaaS Platforms & Sponsor Bank Enablement (FSAGALAA), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

Keywords

• Core banking software
• Digital banking platform
• Banking-as-a-service infrastructure
• Anti-money laundering software
• Neobanking technology solutions

Headquarters

HQ city

Ioánnina

HQ country

Greece

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Banking Software Platform Licensing & Subscription: Licensing and subscription fees for Natech's modular front-to-back banking platform including core banking, digital channels, AML, BaaS infrastructure, and trade finance modules. Platform can be deployed as full-stack or standalone modules. Both cloud and on-premise deployment options available.
2. Banking-as-a-Service (BaaS): BaaS infrastructure enabling banks to distribute end-to-end banking products and services to fintechs, embedders, and distribution partners. Revenue derived from BaaS provision infrastructure and turnkey BaaS products (BNPL, e-wallets). Estimated $38 billion BaaS revenue market for banks by 2027.
3. Trade Finance Solutions: Trade finance digitalization solutions including Letters of Credit, Letters of Guarantee, SWIFT messaging, and cross-border payments. Can be embedded within core banking, standalone, or cloud/SaaS deployment.
4. E-Wallet Managed Service: Fully managed e-wallet service where Natech runs the entire wallet operation for clients including core, apps, AML, and reporting. Clients connect via single API.
5. Microfinance Solutions: End-to-end microfinance platform covering loan lifecycle, client management, digital onboarding, and compliance for microfinance institutions of all sizes.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Natech sells a modular, cloud-native, API-first front-to-back banking platform to financial institutions, packaged as Core Banking plus optional modules (Digital Channels, AML, Trade Finance, BaaS). The platform is delivered as licensed/subscribed software or as standalone solutions for Neobanking, E-Wallets, and Microfinance, with deployment in the cloud, on-premise, or hybrid. The company also operates its own ECB-licensed neobank (Snappi) as a reference implementation and BaaS showcase.

Product overview

Natech Banking Solutions provides a modular, front-to-back banking platform designed for small and mid-sized banks and financial institutions. The platform architecture combines a Core Banking system as the foundational component, augmented by integrated modules including Digital Channels (web/mobile banking), AML (anti-money laundering), Trade Finance, and Banking-as-a-Service capabilities. The product portfolio includes specialized solutions for Neobanking, E-Wallets, Microfinance, and Small & Mid-sized Banking, all built on the unified platform. Snappi, Natech's own ECB-licensed neobank sub-brand, serves as a reference implementation demonstrating the platform's capabilities. The platform features API-first architecture, cloud-native deployment options, and AI-ready capabilities including real-time monitoring, predictive analytics, and computer vision for document processing.

Differentiator

Problem solved

Functional benefit

Brands

• Snappi: A mobile-first neobank with ECB banking license, offering pan-European digital banking services including BaaS and BNPL products. First ECB-licensed neobank in Greece.

Products and services

• Core Banking Modern cloud-native core banking system providing real-time processing for end-to-end retail and business banking functionality including lending, deposits, e-wallets, BNPL, and a live general ledger that eliminates end-of-day batch processing. Designed for small and mid-sized banks, fintechs, and FIs.
• Digital Channels Next-generation web and mobile banking channels with neobank-grade UX, real-time omnichannel experience, advanced personalization, and API-integrated functionality. Includes PSD2-aligned controls and is deployable in as little as 2 weeks.
• AML (Anti-Money Laundering) Rules-based AML solution with real-time transaction monitoring, dynamic scoring, watch-list integration (INTERPOL Red Notices, UN Consolidated List), custom rule capability, case and role management, and seamless core banking integration. Deployable in as little as 2 weeks.
• Trade Finance Digitized trade finance operations platform managing the full lifecycle of Letters of Credit (LCs) and Letters of Guarantee (LGs), with integrated SWIFT messaging for trade transactions and cross-border payments in multiple currencies.
• Banking-as-a-Service (BaaS) Infrastructure BaaS infrastructure that enables banks to expose products as-a-service via open APIs and deliver end-to-end BaaS to fintechs and embedders, including turnkey BNPL and e-wallet BaaS products.
• Neobanking Solution End-to-end neobank solution enabling launch of a full front-to-back digital bank in under 90 days. Includes next-generation digital channels, ECB licensing support, AI-powered onboarding (OCR, facial recognition, liveness checking), and BaaS infrastructure.
• E-Wallets All-in-one fully managed e-wallet service combining a wallet-specific core, nextgen mobile and web apps with frictionless UX, bank-grade AML, and sponsor-bank ecosystem. Features physical/virtual cards, SEPA/Instant payments, and P2P transfers. Clients connect via a single API.
• Microfinance Solution Unified microfinance platform with a modern core, nextgen digital apps, and bank-grade AML. Supports end-to-end loan lifecycle management, digital onboarding with pre-KYC screening, real-time credit scoring with bureau integrations, and e-KYC integration with national ID systems.
• Small & Mid-sized Banking Solution Modular banking platform designed for progressive modernization of small and mid-sized regional banks. Provides core banking, digital channels, compliance, and BaaS capabilities on a single operational foundation without rip-and-replace.
• Snappi ECB-licensed mobile-first neobank and digital banking app — first-ever ECB-approved neobank in Greece. Features AI-powered tools, OCR document scanning, and innovative BaaS offerings including BNPL. Operated by Natech as a reference implementation and BaaS showcase.
• Bancapp Regulatory compliance solution that automates compliance processes and verifies customer financial data, including retrieval and cross-checking of bank account data and access to transaction patterns.
• e-Pothen Asset declaration solution that transmits customer financial data to Greece's General Secretariat for Information Systems & Digital Governance for regulatory compliance.

Quantifiable outcome

• 75% IT cost reduction
• +13 more outcomes

Named customers10 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability10 records

Feature8 records

Partnerships

Seven partnerships are on record, tiered key account, strategic, core, technology, funding and supporting.

• BMW Financial Services Greecekey accountTechnology or Integration · 21 May 2026BMW Financial Services Greece uses Natech's regulatory compliance solutions, Bancapp and e-Pothen, to automate compliance processes and verify customer financial data. The partnership enables retrieval and cross-checking of bank account data, access to transaction patterns, and transmission of asset declaration data to Greece's General Secretariat for Information Systems & Digital Governance.
• Qualco (Consortium Partner)strategicStrategic or Co-development Partner · 28 June 2024Natech-Qualco consortium was appointed to digitally leap Greece's Deposit and Loan Fund (DLF) in a 3.6 million euro deal. The consortium is responsible for digital transformation of the DLF's systems and operations.
• Piraeus Bank (Piraeus Financial Holdings)coreStrategic or Co-development Partner · 13 March 2023Joint venture with Piraeus Financial Holdings to launch Snappi, a mobile-first neobank with a pan-European banking license. Snappi is Greece's first ECB-licensed neobank. The partnership enables Natech to offer BaaS products across Europe and serves as a showcase for Natech's platform capabilities. Natech CEO Athanasios Navrozoglou serves as Vice Chairman of the Snappi Board of Directors.
• SnappicoreStrategic or Co-development PartnerSnappi is Natech's own ECB-licensed neobank, serving as both a product showcase and operational proving ground for the Natech platform. Snappi, Greece's first ECB-licensed neobank, has onboarded 20,000+ customers in its first month. Natech developed the neobank's technology stack and continues to operate and enhance it. CEO Gabriella Kindert leads Snappi.
• Microsoft (Silver Partner)technologyTechnology or IntegrationNatech is a Microsoft Silver Partner. The company attended Microsoft's 25th anniversary celebration in Greece. Natech's software has been upgraded to be cloud-based with Microsoft technologies.
• Greece 2.0 / NextGenerationEUfundingOthersNatech Trade Finance project is carried out within the framework of the National Recovery and Resilience Plan Greece 2.0, funded by the European Union NextGenerationEU. This funding supports trade finance digitalization product development.
• Ecosystem Partners (50+)supportingChannel Partner/ Reseller/ DistributorPartner ecosystem including channel partners (enable deployment and integration), consulting partners (digital transformation strategy), alliance partners (build interoperable solutions), and cloud service providers (public/private/hybrid cloud delivery). Certified API-based connectors for payments, KYC/AML, cards, lending, and analytics.

Scale indicators12 records

Recent moves11 records

Expansion highlights7 records

Direct peers

• Mambu: Berlin-based cloud-native core banking platform serving SMB banks, neobanks, and fintechs with composable SaaS banking functionality. Most directly comparable to Natech on target segment, technology approach (cloud-native, API-first), and BaaS orientation.
• Thought Machine: London-based cloud-native core banking provider (Vault) targeting incumbent and challenger banks with full front-to-back platform. Closely comparable to Natech on cloud-native architecture, modular deployment, and bank-grade compliance.
• 10x Banking: UK cloud-native core banking platform serving challenger and incumbent banks. Directly comparable to Natech in cloud-native architecture and target segment (mid-tier and challenger banks seeking modern core replacement).

Broad incumbents

• Temenos: Global incumbent in core banking software serving 3,000+ banks across retail, business, and wealth. Comparable as the established competitor Natech must displace at small/mid-sized banks; less specialised in cloud-native SaaS.
• Finastra: Large financial software provider formed from the merger of Misys and D+H, offering core banking, lending, payments, and capital markets solutions. Competes broadly in the same bank-software category as Natech but with a much larger portfolio.
• Avaloq: Swiss-based banking and wealth management platform serving 150+ financial institutions. Comparable to Natech on European mid-sized bank segment; Natech's CRO Mathias Schütz previously led an Avaloq joint venture at Raiffeisen Switzerland.
• FIS: Global financial technology vendor (Fidelity National Information Services) with extensive core banking, payments, and capital markets software. Competes broadly with Natech in the bank-software category with much larger scale.
• TCS BaNCS: Tata Consultancy Services' banking platform offering core banking, payments, lending, and wealth solutions globally. Competes broadly with Natech in core banking for retail and SME banks.

Emerging players

• nCino: Cloud banking platform focused on commercial, small business, and retail banking workflows for community and mid-market banks. Partially overlaps with Natech on the small/mid-sized US and European bank segments.
• Oradian: Cloud-native core banking platform specifically targeting microfinance institutions and community banks in emerging markets. Directly comparable to Natech's microfinance solution and SMB banking focus, though with a different geographic emphasis.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/natechbankingsolutions
• Xx.com/natechsa

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries1 record

Funding overview

Funding rounds3 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Natech Banking Solutions