EmbedIT

What EmbedIT does

EmbedIT is a private European IT services and platform company, headquartered in Prague with delivery centers in Brno, Ostrava, and Ho Chi Minh City, operating as a wholly-owned subsidiary of PPF Group, the Prague-based international investment conglomerate with operations in 25 countries and over €40 billion in assets. The company originated as the internal IT development team of Home Credit Group, a PPF-owned consumer finance business, and was formalized as a standalone entity under the EmbedIT brand in 2020 before extending its services to external enterprise clients across Central Europe and Southeast Asia.

EmbedIT's portfolio spans five service lines — Enterprise IT Transformation, Channel Transformation, Data/Analytics/AI, Advanced Cyber Security, and Infrastructure Services — supported by a set of proprietary platforms including the EmbedIT Lending Platform (130M+ clients served, €20B annual loan volume, 8M+ monthly loan applications), the Super App Platform (Flutter-based cross-mobile development), em/bot (GPT-4-powered internal chatbot on Microsoft Teams), Aisbear (corporate knowledge AI), Precision Decisioning (built on FICO Blaze Advisor), CyberCheck (GRC), and biometric authentication integrated with Innovatrics. Underlying technology is built on microservices and Kubernetes, with 2,700+ services running across 8 time zones, and integrates with enterprise stacks from SAP, SAS, Genesys, Loxon, Camunda, Thales, and Visa.

EmbedIT generates revenue through a mix of professional services (IT strategy, application development, digital transformation consulting), managed services (CISO as a Service billed on an FTE basis under multi-year contracts), and platform solutions (Lending Platform, Super App Platform, chatbot and knowledge AI products). The go-to-market is direct enterprise field sales with consultative selling into highly regulated industries — primarily consumer finance, banking, telecommunications, insurance, media, and manufacturing — using a regional sales organization that includes dedicated Country Sales Managers for Vietnam, Philippines, and Indonesia. Customer concentration is dominated by Home Credit Group and related PPF entities, with a growing set of external reference clients including Skoda Group, Yettel Bank, TV Nova, Creditinfo CEE, VinaCapital, and ČSOB Pojišťovna.

Name

EmbedIT

Legal name

EmbedIT s.r.o.

Website

https://embedit.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

101–250 employees

Short description

EmbedIT is a PPF Group-owned IT services and platform company headquartered in Prague that builds and operates enterprise IT systems, lending platforms, and cybersecurity solutions primarily for Home Credit Group and an expanding base of external enterprise clients in financial services, telecom, insurance, and media across Central Europe and Southeast Asia.

Ownership category

akta.pro rank

Headquarters

HQ city

Brno

HQ country

Czechia

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. IT Services and Consulting: Professional services including IT strategy consulting, enterprise architecture, application development, and digital transformation consulting for large complex projects
2. Platform Solutions: Licensing and deployment of proprietary platforms including Lending Platform, Super App Platform, Chatbot solutions. Revenue from platform deployment, configuration, and ongoing support.
3. CISO as a Service: Cybersecurity consulting and staffing services billed on FTE basis, providing access to security specialists from practitioner to C-level expertise.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

EmbedIT is an enterprise IT services provider that designs, builds, and runs high-volume, low-latency digital systems for clients in regulated industries. It delivers end-to-end services across enterprise IT transformation, channel transformation (mobile/web/KYC), data, analytics and AI, advanced cybersecurity, and infrastructure, complemented by proprietary platforms including a Lending Platform, a Super App Platform, the em/bot Teams chatbot, Aisbear knowledge AI, CyberCheck GRC, biometric authentication, and Precision Decisioning.

Differentiator

Problem solved

Functional benefit

Brands

• EmbedIT Lending Platform: Digital lending platform offering scalability, flexible business process orchestration, Visa integration, client scoring, high-volume processing, and fully digital onboarding for banks, fintechs, and consumer lenders.
• em/bot
• Aisbear
• EmbedIT Super App Platform
• CyberCheck
• Precision Decisioning™

Products and services

• EmbedIT Lending Platform Proprietary digital lending platform that runs end-to-end loan lifecycle operations — onboarding, underwriting, decisioning, collections, and card/payment processing — for banks, fintechs, and consumer lenders. Built on Kubernetes microservices and scaled to process 130M+ clients, 8M+ monthly loan applications, and €20B in annual loan volume.
• EmbedIT Super App Platform Cross-platform mobile development platform based on Flutter with ready-to-use building blocks and predefined processes for rapid delivery of secure, scalable mobile applications. Used by banks, telecoms, and consumer finance clients to launch or transform mobile-first channels.
• em/bot (EmbedIT Chatbot) AI-powered internal support chatbot integrated into Microsoft Teams, using GPT-4 to answer employee queries and automate routine inquiries across HR, IT, Finance, Legal, and Compliance functions with multilingual support and enterprise-grade security.
• Aisbear Corporate knowledge AI platform that gives employees instant AI-powered access to corporate documents through chat, with smart AI categorization, human validation, and on-premise deployment options for enterprise knowledge retrieval.
• EmbedIT Biometric Authentication Solution Biometric authentication solution using Innovatrics facial recognition, liveness detection, and OCR for customer identity verification and digital onboarding, reducing manual identity verifications by 94% and cutting manual deduplications from 20% to 4%.
• Precision Decisioning Programmatic decisioning engine that uses business data to automate credit and business decisions with configurable thresholds, integrating FICO Blaze Advisor rules engine for underwriting, scoring, and risk assessment.
• CyberCheck (GRC Solution) Governance, Risk and Compliance (GRC) solution that integrates risk management and regulatory compliance into a streamlined framework, supporting ISO 27001-aligned controls for businesses in regulated industries.
• Enterprise IT Transformation Services End-to-end IT consulting and delivery service covering IT strategy and architecture, application development, core business digitalisation, business process automation, precision decisioning, cards and payments, and collections for enterprises in regulated industries.
• Channel Transformation Services Channel transformation services covering omnichannel customer engagement, mobile and web applications, and KYC/digital onboarding solutions for banks, telecoms, and consumer finance clients.
• Data, Analytics and AI Services Data, analytics, and AI services including business intelligence, data strategy, data warehouse, big data, operational data store, data science and AI, data governance, and data migration/archiving.
• Advanced Cyber Security Services Advanced cybersecurity services including embedded cyber experts, CyberCheck GRC, SOC journey advisory, cloud and infrastructure security, identity and access management, Microsoft 365 licence and security optimisation, and asset governance and protection.
• Infrastructure Services IT infrastructure services including provisioning and automation, cloud-as-a-service delivery, and ongoing infrastructure support for enterprise IT estates.
• CISO as a Service Managed cybersecurity consulting and staffing offering billed on an FTE basis, providing access to 8+ cyber security specialist roles from practitioner to C-level expertise under multi-year contracts to fill IT security skills and capacity gaps.

Quantifiable outcome

• 30% growth in digital transactions for Home Credit Vietnam mobile app
• +7 more outcomes

Named customers14 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability10 records

Feature7 records

Partnerships

Eight partnerships are on record, tiered core.

• GenesyscoreTechnology or IntegrationCompetency centre for Genesys contact centre and telephony solutions. EmbedIT has deep relationships with Genesys for omnichannel customer engagement implementations.
• SAPcoreTechnology or IntegrationCompetency centre for SAP ERP implementations. EmbedIT provides SAP integration services for enterprise customers.
• SAScoreTechnology or IntegrationCompetency centre for SAS CRM solutions. EmbedIT has deep relationships with SAS for customer relationship management implementations.
• LoxoncoreTechnology or IntegrationCompetency centre for Loxon debt collection solutions. EmbedIT provides debt collection system implementations.
• FICO Blaze AdvisorcoreTechnology or IntegrationCompetency centre for FICO Blaze Advisor precision decisioning solutions. Part of EmbedIT's Precision Decisioning offering.
• Camunda ZeebecoreTechnology or IntegrationCompetency centre for Camunda Zeebe workflow orchestration. Used in biometric and digital onboarding solutions.
• InnovatricscoreTechnology or IntegrationBiometrics partner providing face recognition technology for customer identity verification in Home Credit Philippines and other deployments.
• Thales payShield HSMcoreTechnology or IntegrationPayments security partner providing hardware security modules for secure payment processing and card issuance.

Scale indicators23 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Globant: Globant is a global IT services company with strong financial-services vertical depth, AI/digital transformation offerings, and proprietary platforms — comparable in service mix, customer segment (banks, fintechs, insurers), and productized-solution strategy to EmbedIT.
• EPAM Systems: EPAM is a digital platform engineering and IT services firm with strong financial services exposure and Eastern European delivery centers — directly comparable to EmbedIT on offshore-onshore delivery model, microservices/cloud expertise, and financial-services client mix.
• Thoughtworks: Thoughtworks is a digital transformation consultancy specializing in custom software, platform engineering, and AI/data services for enterprise clients in financial services — closely mirroring EmbedIT's microservices, Kubernetes, and platform-engineering DNA at similar scale.
• Endava: Endava is a UK-headquartered IT services firm of comparable scale (~10,000+ staff) with deep digital transformation and custom software development capabilities for financial services and payments — directly overlapping EmbedIT's core delivery profile, lending and payments focus, and enterprise customer base.

Emerging players

• Backbase: Backbase is an engagement banking platform powering digital channels for banks globally — overlapping EmbedIT's Super App Platform and mobile banking engagements (e.g., Yettel Bank) at the platform layer, with comparable bank/credit-union buyer personas.
• Mambu: Mambu is a SaaS core banking and lending platform targeting digital banks and consumer lenders — directly competitive with EmbedIT's proprietary Lending Platform in the same financial services buyer segment, though operating as a pure-SaaS vendor rather than systems integrator.

Broad incumbents

• Accenture: Accenture is the largest global IT services and consulting firm with massive financial services industry depth — competing head-to-head with EmbedIT on enterprise digital transformation RFPs in banking and consumer finance, with vastly greater scale and geographic reach.
• Deloitte Digital: Deloitte Digital is the transformation arm of a Big Four firm, providing enterprise IT strategy, custom development, and managed services — directly competitive with EmbedIT on large financial-services and regulated-industry transformation mandates.
• Tata Consultancy Services: TCS is a global IT services giant with deep banking, financial services, and insurance vertical practices plus global delivery centers — competing with EmbedIT on large multi-year transformation programs in the same regulated-industry buyer base.
• Capgemini: Capgemini is a global IT services leader with dedicated financial services, digital customer experience, and cybersecurity practices — overlapping EmbedIT's banking, lending, and security offerings at the enterprise tier with much broader geographic delivery capability.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/embedit

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries1 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 EmbedIT