DBX Kft
DBX Kft is a Hungarian software vendor that builds Hammy, an enterprise omnichannel customer-communication platform (email, SMS, Viber, postal, DÁP, Qvik payments), and Moby, an automated insurance administration system, serving leading Hungarian insurers (Allianz, Generali, Groupama, Aegon, NN, Uniqa) and broker intermediaries.
- Company typePrivate
- Founded2003
- HeadquartersBudapest, Hungary
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What DBX Kft does
DBX Kft is a privately held Hungarian software development company founded in 2003, headquartered in Budapest, operating with 11–50 employees across two flagship product families for the Hungarian insurance and financial-services market. Its core platform Hammy is an enterprise-grade omnichannel customer communication system that delivers messages across email, SMS, Viber, Messenger, postal mail, customer portal, and the Hungarian Qvik instant-payment rail, with integrated encryption, scenario-based workflow automation, drag-and-drop HTML editing, and a built-in electronic document management sub-product called Doky. The second family, Moby (including Moby-IaaS), is an automated insurance administration platform handling claim handling, commission management, policy administration, and data aggregation, with an "Insurance-as-a-Service" consumption model and modular open-architecture APIs (REST/SOAP/JSON).
The technical foundation is a Java-based, modular, loosely coupled platform with queue-based inter-component communication, running on Docker, PostgreSQL, Oracle, .NET, Ember.js, Angular, Kotlin, Ruby on Rails, Apache Tomcat, and Elastic Stack on Linux infrastructure. DBX has integrated with Hungary-specific regulatory and payment infrastructure — DÁP (Digital Citizenship) eAuthentication and eSignature (mandatory for banks and insurers from June 2025) and GIRO's AFR2.0/Qvik instant payments — and is publicly committed to ISO 27001 certification. Its go-to-market is direct enterprise field sales into large Hungarian insurers and banks, supplemented by self-serve Hammy Direct usage-based SaaS for smaller companies and consortium-based R&D partnerships (notably the NKFIA-funded R34DY Zrt. AI/MI platform, 2024–2025).
DBX serves more than ten named Tier-1 Hungarian insurers — Allianz, Generali, Uniqa, Groupama, Aegon, Alfa, CIG Pannónia, Genertel, Signal iDUNA, NN, and Magyar Posta Biztosító — as well as insurance brokers (Erste Broker, PBA Insura, Hungarikum Biztosítási Alkusz), pension institutions, the MABISZ industry association, and a small number of adjacent customers in real estate, non-profit, and technology. Distribution and thought leadership run through deep relationships with MABISZ and FBAMSZ, an active English/Hungarian blog, and community groups (Insurtech Hungary, Ügyfélkommunikáció). Revenue is generated through enterprise license + custom development, Moby managed-services (IaaS), and the Hammy Direct usage-based SaaS subscription.
DBX Kft firmographics
Firmographics- Name
- DBX Kft
- Legal name
- DBX Kft
- Website
- https://dbx.hu
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- DBX Kft is a Hungarian software vendor that builds Hammy, an enterprise omnichannel customer-communication platform (email, SMS, Viber, postal, DÁP, Qvik payments), and Moby, an automated insurance administration system, serving leading Hungarian insurers (Allianz, Generali, Groupama, Aegon, NN, Uniqa) and broker intermediaries.
- Ownership category
- akta.pro rank
DBX Kft industry classification
Industry- Product category
- Insurance Administration and Omnichannel Communication Software
- NAICS
- Software Publishers (5132), Custom Computer Programming Services (541511)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- E-Signature & Digital Transaction Management (DTM) (HDAEAGAF)
- akta.pro secondary industry
- Business Rules & Decision Management Platforms (BRMS/DMN) (HDAEAKAG)
Keywords
Where DBX Kft is headquartered
LocationHeadquarters
- HQ city
- Budapest
- HQ country
- Hungary
- HQ region
- Europe
Offices1 record
Markets served
DBX Kft business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- SaaS Subscription (Hammy Direct): Software-as-a-Service model providing full access to Hammy communication platform with usage-based billing. Customers pay only for usage rather than upfront licensing costs, enabling smaller and mid-sized companies to access enterprise-grade software.
- Enterprise License and Custom Development: Traditional software licensing model for large enterprise customers (insurance companies, banks) with customized implementations and ongoing support services.
- Moby-IaaS (Insurance as a Service): Service-based insurance software solution where DBX provides infrastructure and processes, enabling customers to bring product ideas and have DBX implement required workflows and infrastructure.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Hammy Direct SaaS - Usage-based subscription for smaller and mid-sized companies |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
DBX Kft product offering
Product offeringCore offering
DBX Kft develops and sells enterprise software for the Hungarian insurance and banking sectors. Its flagship Hammy platform provides omnichannel customer communication (email, SMS, Viber, postal mail, customer portal, encrypted email, and Qvik payments) with scenario-based automation, integrated document management (Doky), and compliance features including DÁP digital citizenship authentication. Its Moby product is an automated insurance administration system available as Moby-IaaS (Insurance-as-a-Service) for policy administration, claims handling, commission management, and data aggregation, and is augmented by an AI-driven financial institution platform co-developed with R34DY Zrt.
Product overview
DBX Kft operates as a software development company offering two primary product families — Hammy (omnichannel enterprise customer communication) and Moby (automated insurance systems) — both delivered as on-premise or cloud-based (SaaS/IaaS) solutions. Hammy serves as the company's flagship communication platform, handling multi-channel message delivery (email, SMS, Viber, postal, customer portal, Qvik payments, DÁP eAuthentication) with integrated document management (Doky), a visual HTML editor, scenario-based automation, and encrypted email. Moby provides insurers with a modular, open-architecture insurance administration platform that can be customized and launched as an Insurance-as-a-Service offering. The two product lines share integration capabilities (Qvik payments, DÁP services) and together address the full insurance value chain from customer communication through product management.
Differentiator
Problem solved
Functional benefit
Brands
- Hammy: Enterprise omnichannel customer communication platform for large financial institutions, supporting multiple channels including email, SMS, Viber, Messenger, and more
- Moby
- Moby-IaaS
- Dáp szolgáltatások
- Qvik integráció
- Hammy Direct
- Doky
Products and services
- Hammy An enterprise omnichannel customer communication platform that unifies email, SMS, Viber, postal letter, customer portal, Qvik payments, and DÁP-authenticated encrypted email under a single engine with scenario-based automation, visual drag-and-drop HTML editor, traffic management, and integrated document management (Doky). It is used by large Hungarian insurance carriers and brokers such as Allianz, Generali, Uniqa, Groupama, and Aegon.
- Moby An automated insurance system providing modular, open-architecture business process automation for insurers, covering fast-responding insurance products, claims handling, commission management, policy administration, and data aggregation with 24/7 availability, available on-premise or via the Moby-IaaS hosted delivery model for insurance carriers and brokers.
- Moby-IaaS Insurance-as-a-Service (IaaS) module of the Moby platform that provides cloud-hosted infrastructure and software, allowing insurance companies to launch and manage insurance products without on-premise installation and paying based on usage. Targets insurance carriers seeking cost-effective, scalable product deployment.
- AI-driven Financial Institution Platform A consortium-developed AI/MI-driven platform (R34DY Zrt. and DBX Kft.) bridging traditional banks/insurers and new digital entrants, providing a universal data model, pre-built integrations, use-case library, and AI-supported workflow orchestration and integration code generation for the financial sector. Integrates Oracle Banking Suite and DBX's own account management system.
Quantifiable outcome
- Encrypted email solution used for sending millions of messages
- +1 more outcomes
Companies that use DBX Kft
Customer profileNamed customers19 records
Segments3 records
Ideal customer profiles2 records
DBX Kft technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability5 records
Feature7 records
DBX Kft partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core, integration and strategic.
- R34DY Zrt.coreConsortium partnership for development of AI-driven, integrated platform for financial institutions with AI-based life insurance module. Project 2023-1.1.1-PIACI_FÓKUSZ-2024-00010, funded by NKFIA with 581,506,201 Ft. Project period: 2024.01.01 to 2025.12.31. Platform integrates Oracle Banking Suite and DBX's account management system, enabling third-party solution integration and automated use case discovery for financial sector.
- GIRO Zrt.integrationIntegration with GIRO's instant payment infrastructure (AFR2.0 - Azonnali Fizetési Rendszer) enabling Qvik payment solutions including payment request, deep link, and QR code capabilities through Hammy platform.
- Facebook (Viber)integrationViber messaging channel integration in Hammy platform, enabling push notifications and alternative to SMS with cost savings. In Hungary, 68% mobile penetration rate among mobile users.
- MABISZ (Magyar Biztosítók Szövetsége)strategicLong-standing partnership with Association of Hungarian Insurance Companies. DBX is recognized as the largest local IT knowledge center in the insurance sector and actively participates in MABISZ conferences and industry initiatives.
- FBAMSZ (Független Biztosítási Alkuszok Magyarországi Szövetsége)strategicActive participation in FBAMSZ conferences and industry events as sponsor and exhibitor. Company presents on insurtech trends and demonstrates Hammy and Moby products to insurance broker community.
Scale indicators1 record
Recent moves6 records
Expansion highlights6 records
DBX Kft competitors and assessment
Company assessmentDirect peers
- Duck Creek Technologies: Cloud-native core platform for insurers spanning policy, claims, and billing with an API-first architecture. Highly comparable to Moby/IaaS in targeting modern insurance administration with modular deployment.
- Guidewire: Leading global provider of core systems for property & casualty insurers (policy administration, claims, billing). Directly comparable to DBX's Moby insurance administration suite in serving insurer back-office workflows.
- EIS Group: Enterprise insurance platform offering policy administration, claims, billing, and digital engagement. Directly comparable to DBX's combined Hammy (engagement) + Moby (core) proposition for insurers.
- Prima Solutions: French-headquartered insurance software provider with policy administration, claims, and omnichannel distribution tools. Closely comparable to DBX's combination of insurance administration and communication capabilities.
- msg life (msg group): German insurance core systems and digitalization specialist covering life, health, and P&C. Compares to DBX as a European-focused insurance software house with deep regulatory expertise.
Emerging players
- Socotra: Cloud-native, API-first insurance core platform targeting modern carriers and insurtechs. Comparable to Moby in its modular, integration-heavy approach to insurance administration.
Regional players
- RGI Group: Italian-headquartered insurance software vendor with strong presence in EMEA, providing core systems for life and P&C insurers. Comparable European insurance-software peer to DBX.
- Tia Technology: Austrian insurance software vendor providing policy administration, claims, and partner integrations across Central Europe. Comparable regional peer in DACH/CEE insurance markets.
- LINK Mobility: Nordic-headquartered mobile messaging and omnichannel communications provider serving enterprises across Europe. Comparable to Hammy as a multi-channel messaging and notification platform for regulated industries.
Broad incumbents
- CM.com: European-listed omnichannel communications and payments platform covering messaging, voice, and customer engagement. Comparable to Hammy in omnichannel customer communication and payment-adjacent capabilities.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
DBX Kft social profiles
Digital presenceDBX Kft compliance and trust
Trust signalCompliance1 record
DBX Kft financial estimates
Financial estimateRevenue estimate
Valuation estimate
DBX Kft leadership team
Management profileNumber of profiles
Profiles3 records
DBX Kft funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
DBX Kft M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about DBX Kft
What does DBX Kft do?
DBX Kft develops and sells enterprise software for the Hungarian insurance and banking sectors. Its flagship Hammy platform provides omnichannel customer communication (email, SMS, Viber, postal mail, customer portal, encrypted email, and Qvik payments) with scenario-based automation, integrated document management (Doky), and compliance features including DÁP digital citizenship authentication. Its Moby product is an automated insurance administration system available as Moby-IaaS (Insurance-as-a-Service) for policy administration, claims handling, commission management, and data aggregation, and is augmented by an AI-driven financial institution platform co-developed with R34DY Zrt.
Is DBX Kft a public or private company?
DBX Kft is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was DBX Kft founded?
DBX Kft was founded in 2003. It employs 11 to 50 people.
Where is DBX Kft based?
DBX Kft is headquartered in Budapest, Hungary, in the Europe region.
How does DBX Kft make money?
Three revenue lines are on record. SaaS Subscription (Hammy Direct) is the primary driver. The others are enterprise License and Custom Development and moby-IaaS (Insurance as a Service).
Who are DBX Kft's main competitors?
Direct peers on record are Duck Creek Technologies, Guidewire, EIS Group, Prima Solutions and msg life (msg group). Socotra is listed as an emerging player. Regional players are RGI Group, Tia Technology and LINK Mobility. CM.com is listed as a broad incumbent.
Does DBX Kft have an API?
Yes. The Hammy platform exposes service endpoints accessible via HTTP/HTTPS or queue (SOAP XML or REST JSON/JSON API formats). Clients require registration to access service points for security; service client management is available via the HammyAdmin dashboard. The API enables sending messages across all channels (email, SMS, Viber, postal letter, customer box), generating PDFs from DOCX templates, querying message status, and managing templates, campaigns, and scenarios. The platform supports Basic authentication for notification delivery to partner systems. Developer documentation is at hammy3.com.
What industry is DBX Kft in?
DBX Kft's product category is Insurance Administration and Omnichannel Communication Software. Its primary akta.pro industry code is HDAEAGAF, E-Signature & Digital Transaction Management (DTM), with a secondary code of HDAEAKAG, Business Rules & Decision Management Platforms (BRMS/DMN). Its NAICS code is 5132 and its SIC code is 7372.