TODO1 Services Inc.

What TODO1 Services Inc. does

TODO1 Services Inc., operating commercially under the brand iuvity, is a Miami-headquartered information technology company founded in 2000 that provides digital banking solutions to banks, credit unions, and fintechs across the Americas. The company operates in seven countries (USA, Mexico, Chile, Colombia, Ecuador, Panama, and Peru) and serves a customer base that includes major regional banks such as Bancolombia, Davivienda, and Banco Inter, alongside mid-market institutions including Helm, IRIS, Mundo Mujer, Coltefinanciera, and Comultrasan. The company employs between 251 and 500 people and operates as a privately held entity with no disclosed funding rounds or external investors; its sole disclosed senior leader is Juan Carlos Vizcaino, CFO and Founder.

The company's product portfolio is built on the Open Service Platform (OSP), a true open micro-frontend and composable architecture explicitly designed for embedded finance and rapid fintech integration. The core offering, iuviBANKING, is a digital banking solution enabling financial institutions to deliver modern online banking experiences. This is complemented by iuviPROFILER, an antifraud module providing anomaly detection capabilities that protect 4 billion+ transactions per year, and SARA (Smart Results Agent), an AI-powered optimizing agent positioned to improve operational efficiency. At operational scale, the platform supports 20 million+ users, processes 18.7 billion transactions annually, and enables 3.8 million new product originations and activations per year.

TODO1 generates revenue through subscription-based enterprise contracts on an annual billing cadence with quote-based pricing rather than publicly disclosed rate cards. Go-to-market is executed via direct enterprise field sales targeting banks, credit unions, and fintechs through consultative engagement (LET'S CONNECT / LET'S TALK CTAs), supported by content marketing, webinars featuring industry thought leaders, and downloadable resources such as a Gartner guide on fraud detection and UX. The company carries no disclosed patents, partnerships, awards, M&A activity, regulatory actions, or compliance certifications in the source data.

Name

TODO1 Services Inc.

Legal name

TODO1 Services Inc.

Website

https://todo1.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

251–500 employees

Short description

TODO1 Services Inc. (dba iuvity) is a Miami-headquartered IT company founded in 2000 that provides digital banking platforms, antifraud, and AI optimization software to banks, credit unions, and fintechs across seven countries in the Americas.

Ownership category

akta.pro rank

Product category

Digital Banking Software

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518), Computer Systems Design and Related Services (54151)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro industry

PRIMARYFSAGAAAA

Neobank Core Platform (Retail/SME Digital Bank)

Financial & Insurance/Financial Technology (Fintech)/Digital Banking & Neobanking Platforms

SECONDARYFSAGALAE

Embedded Deposit Accounts & Digital Wallet Infrastructure

Financial & Insurance/Financial Technology (Fintech)/Embedded Finance & Banking-as-a-Service (BaaS)

SECONDARYFSAGALAK

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes)

Financial & Insurance/Financial Technology (Fintech)/Embedded Finance & Banking-as-a-Service (BaaS)

Keywords

• Digital banking solutions
• Online banking platforms
• Fraud prevention systems
• Banking infrastructure software
• Embedded finance platforms

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Digital Banking Solutions: Software solutions for digital banking channels including online banking experiences for financial institutions

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

TODO1 Services Inc. (DBA iuvity) sells a digital banking platform and complementary modules that enable banks, credit unions, and fintechs to deliver secure, modern online banking experiences. The core offering is iuviBANKING (digital banking channels), supplemented by iuviPROFILER (antifraud system) and SARA (optimizing agent), all built on its flexible, open micro-frontend Open Service Platform (OSP) that supports embedded finance and fintech integrations.

Product overview

TODO1 Services Inc. (dba iuvity) offers a platform-plus-modules architecture for digital transformation in the financial sector. The core offering is iuviBANKING, a digital banking solution providing secure, modern online experiences for banks, credit unions, and fintechs. This core platform is complemented by two security-focused modules: iuviPROFILER (an antifraud system) and SARA (SmartResults Agent, an optimizing agent). The Open Service Platform (OSP) serves as the foundational technology layer, utilizing an open micro-frontend and composable architecture that enables rapid modernization and fintech integrations. The portfolio collectively serves 20M+ worldwide users and processes 18.7B transactions per year.

Differentiator

Problem solved

Functional benefit

Brands

• iuviBANKING: Digital banking solution
• iuviPROFILER
• SARA

Products and services

• iuviBANKING

Quantifiable outcome

• 20M+ worldwide users supported
• +3 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature4 records

Scale indicators5 records

Recent moves6 records

Broad incumbents

• Temenos: Temenos is one of the largest global providers of banking software, offering core banking and digital channels to banks and credit unions worldwide. It is comparable to TODO1 as a direct competitor in digital banking platforms serving regulated financial institutions across multiple geographies.
• Jack Henry & Associates: Jack Henry is a US-centric incumbent provider of core and digital banking technology to community banks and credit unions. It overlaps with TODO1 in digital banking for credit unions and community banks, particularly as TODO1 looks to expand in the US.
• Finastra: Finastra is a large incumbent provider of core, digital, and lending banking software, formed from the merger of Misys and D+H. It competes with TODO1 across digital channels and embedded finance at large global banks.

Direct peers

• Mambu: Mambu is a cloud-native composable banking platform that enables banks, lenders, and fintechs to launch deposit, lending, and digital banking products. It is directly comparable to TODO1's iuviBANKING and OSP offering as a SaaS digital banking platform for FIs and fintechs.
• nCino: nCino provides a cloud banking platform for financial institutions, focused on digital workflows, onboarding, and customer experience. It is directly comparable to TODO1 as a SaaS vendor selling digital banking transformation to banks and credit unions.
• Backbase: Backbase offers an Engagement Banking Platform that helps banks modernize their digital channels and customer experience. It is directly comparable to TODO1's iuviBANKING and OSP, particularly around micro-frontend and composable digital banking architecture for retail and SME banks.
• Thought Machine: Thought Machine is a cloud-native core banking platform provider whose Vault platform powers retail and SME banking products at global banks. It is comparable to TODO1 as a modern, composable banking platform targeting large regulated financial institutions.
• Q2 Holdings: Q2 provides digital banking and lending solutions to banks, credit unions, and fintechs, with a heavy focus on US community financial institutions. It is directly comparable to TODO1's iuviBANKING offering and competitive for credit union and community bank digital banking RFPs.

Emerging players

• Ohpen: Ohpen is a cloud-native core banking platform provider focused on retail and SME banking in Europe. It is comparable to TODO1 as a smaller, composable banking platform targeting regulated banks, though geographically weighted toward Europe rather than the Americas.

Regional players

• Finvero (formerly Bankly): Finvero is a Latin American digital banking software provider serving banks and fintechs across the region. It is comparable to TODO1 as a regional LatAm peer competing for the same set of regional bank and fintech customers with digital banking platform offerings.

Market position

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about TODO1 Services Inc.