Cobis
Cobis Topaz, a subsidiary of Grupo Stefanini, provides a cloud-native modular full banking platform (Topaz One) to more than 300 financial institutions across 25 countries in Latin America, covering core banking, fraud prevention, payments, and AI-powered personalization.
- Company typePrivate
- Founded1953
- HeadquartersGreat Falls, United States
- Headcount501–1,000
- GTM typeB2B
- OfferingSoftware
What Cobis does
Cobis Topaz is a Latin American-focused banking technology provider and a subsidiary of Grupo Stefanini, one of the largest technology groups in the region. The company sells a cloud-native, modular full banking platform branded as Topaz One, which it positions as the first end-to-end full banking platform in the market. Cobis Topaz serves more than 300 financial institution clients across 25 countries in the Americas, supporting an end-user base exceeding 550 million consumers, and reports a 97% customer satisfaction rate.
The Topaz One platform is composed of seven integrated modules: FinancialCore (cloud-native core banking), SecureJourney (anti-fraud and anti-money laundering), FinChannels (omnichannel digital and physical channels), FinXperience (open banking and AI-powered personalization), TechPay (immediate payment systems), FinOrigination (onboarding and origination), and TechInvest (wealth management and asset allocation). This modular architecture allows financial institutions to selectively deploy components, while benefiting from an integrated ecosystem.
Cobis Topaz operates a B2B enterprise software licensing and subscription model with annual billing and quote-based pricing tied to institution size, modules selected, and implementation scope. Its go-to-market is direct enterprise field sales targeting four primary verticals: banks (including tier-1 names such as HSBC, Santander, Scotiabank, Itaú, Davivienda, Banco Falabella, Macro, and Interbank), microfinance institutions and cooperatives, fintechs (Rappi, Cashi), and retail/utilities/telcos pursuing embedded finance. Marketing emphasizes thought leadership across content, events, and social channels, while the company is recognized by Gartner and Celent as a leading full banking platform provider.
Cobis firmographics
Firmographics- Name
- Cobis
- Legal name
- Cobis Topaz
- Website
- https://cobiscorp.com
- Company type
- Private
- Founded year
- 1953
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Cobis Topaz, a subsidiary of Grupo Stefanini, provides a cloud-native modular full banking platform (Topaz One) to more than 300 financial institutions across 25 countries in Latin America, covering core banking, fraud prevention, payments, and AI-powered personalization.
- Ownership category
- akta.pro rank
Cobis industry classification
Industry- Product category
- Core Banking Software
- NAICS
- Depository Credit Intermediation (5221), Commercial Banking (52211), Credit Intermediation and Related Activities (522)
- SIC
- National Commercial Banks (6021), Security Brokers, Dealers & Flotation Companies (6211)
- akta.pro primary industry
- Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)
- akta.pro secondary industries
- Neobank Core Platform (Retail/SME Digital Bank) (FSAGAAAA), Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)
Keywords
Where Cobis is headquartered
LocationHeadquarters
- HQ city
- Great Falls
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Cobis business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales
Revenue model
- Enterprise Software Licensing and Subscription: B2B software licensing model targeting financial institutions. Platform fees likely include implementation, licensing, and ongoing support/maintenance services for the full banking platform modules.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise platform licensing - custom quote-based pricing for financial institutions |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels7 records
Cobis product offering
Product offeringCore offering
Cobis Topaz sells the Topaz One full banking platform, a cloud-native modular software suite that enables financial institutions to run core banking, digital and physical channels, fraud and AML prevention, immediate payments, AI-driven customer experience, onboarding, and wealth management from a single integrated stack. It is licensed on a subscription basis to banks, microfinance institutions, fintechs, and retail, utility, and telco companies across Latin America.
Product overview
Cobis Topaz offers the world's first full banking platform, built as an integrated ecosystem of specialized modules. The core platform is FinancialCore (cloud-native core banking), supplemented by six specialized modules: SecureJourney (fraud/AML), FinChannels (omnichannel), FinXperience (AI-powered customer experience/Open Banking), TechPay (payments), FinOrigination (onboarding), and TechInvest (wealth management). These modules work together as an integrated full banking platform serving banks, microfinance institutions, fintechs, and retail/utilities/telecom sectors across Latin America.
Differentiator
Problem solved
Functional benefit
Brands
- Topaz One: Integrated platform ecosystem offering FinancialCore, SecureJourney, FinChannels, FinXperience, TechPay, FinOrigination, and TechInvest solutions for financial institutions.
- FinancialCore
- SecureJourney
- FinChannels
- FinXperience
- TechPay
- FinOrigination
- TechInvest
Products and services
- FinancialCore Cloud-native modular core banking platform offering scalability and configurability for financial institutions to lead digital transformation.
- SecureJourney Modular security suite providing advanced anti-fraud and anti-money laundering solutions to protect institutions and customers from financial losses.
- FinChannels Omnichannel suite transforming every customer touchpoint into an engagement opportunity, consolidating loyalty across digital and physical channels.
- FinXperience Customer experience platform powered by Open Banking and artificial intelligence that delivers personalized financial solutions anticipating customer needs.
- TechPay Payments platform enabling immediate payment systems and secure transaction processing across Latin America.
- FinOrigination Customer onboarding and origination platform featuring agile, secure, and efficient processes to attract and retain customers.
- TechInvest Automated wealth management solution optimizing asset allocation and portfolio management for financial institutions.
Quantifiable outcome
- 97% customer satisfaction rate
- +4 more outcomes
Companies that use Cobis
Customer profileNamed customers23 records
Segments4 records
Ideal customer profiles4 records
Cobis technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature7 records
Cobis partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Grupo Stefanini (Grupo Topaz)flagshipCobis Topaz is a subsidiary of Grupo Stefanini (Grupo Topaz), one of the largest technology companies in Latin America with approximately 35,000 employees. The company leverages the broader group's resources, technology expertise, and regional presence to deliver its full banking platform across 25 countries in the Americas.
Scale indicators5 records
Recent moves5 records
Expansion highlights5 records
Cobis competitors and assessment
Company assessmentDirect peers
- Temenos: Global leader in core banking software serving retail, corporate, and microfinance banks worldwide. Directly comparable to Cobis Topaz on core banking functionality and tier-1 bank client base.
- nCino: Cloud banking platform for corporate and commercial banking, with growing retail exposure. Comparable to Cobis Topaz on origination (FinOrigination) and digital channels.
- Finastra: Large banking software vendor with universal and corporate banking suites. Overlaps with Cobis Topaz on core, channels, and payments modules, particularly in LATAM and EMEA markets.
- Thought Machine: Cloud-native core banking engine (Vault) used by global tier-1 banks including Lloyds and JPMorgan. Direct competitive threat to Cobis Topaz on cloud-native architecture and AI-driven banking.
- Mambu: Cloud-native core banking platform targeting neobanks, fintechs, and incumbents. Competes head-to-head with Cobis Topaz's FinancialCore and FinXperience modules in LATAM and globally.
- Backbase: Engagement banking platform powering digital channels for banks and credit unions. Directly comparable to Cobis Topaz's FinChannels and FinXperience omnichannel/CX layer.
Broad incumbents
- FIS: Global financial technology incumbent with a deep core banking and digital portfolio. Competes broadly with Cobis Topaz on tier-1 bank RFPs across the Americas.
- Fiserv: Global fintech incumbent spanning core banking, payments, and merchant services. Competes with Cobis Topaz on payments (TechPay) and core banking at large LATAM banks.
Emerging players
- Pismo: Cloud-native core banking and payments platform founded in Brazil, serving LATAM banks and fintechs. Closest home-region peer to Cobis Topaz in the Brazilian market.
- 10x Banking: Cloud-native core and digital banking platform serving tier-1 banks in the UK, US, and Australia. Emerging competitive threat to Cobis Topaz as it expands into LATAM.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
Cobis social profiles
Digital presenceCobis financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cobis leadership team
Management profileNumber of profiles
Profiles2 records
Cobis funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cobis M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cobis
What does Cobis do?
Cobis Topaz sells the Topaz One full banking platform, a cloud-native modular software suite that enables financial institutions to run core banking, digital and physical channels, fraud and AML prevention, immediate payments, AI-driven customer experience, onboarding, and wealth management from a single integrated stack. It is licensed on a subscription basis to banks, microfinance institutions, fintechs, and retail, utility, and telco companies across Latin America.
Is Cobis a public or private company?
Cobis is a private company. It is classified as corporate owned and is currently operating.
When was Cobis founded?
Cobis was founded in 1953. It employs 501 to 1,000 people.
Where is Cobis based?
Cobis is headquartered in Great Falls, United States, in the North America region.
How does Cobis make money?
One revenue line is on record: enterprise Software Licensing and Subscription.
Who are Cobis's main competitors?
Direct peers on record are Temenos, nCino, Finastra, Thought Machine, Mambu and Backbase. Broad incumbents are FIS and Fiserv. Emerging players are Pismo and 10x Banking.
Does Cobis have an API?
No public API is recorded for Cobis.
What industry is Cobis in?
Cobis's product category is Core Banking Software. Its primary akta.pro industry code is FSAGAAAC, Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts), with a secondary code of FSAGAAAA, Neobank Core Platform (Retail/SME Digital Bank). Its NAICS code is 5221 and its SIC code is 6021.