Name

Banks Soft Systems

Legal name

Общество с ограниченной ответственностью «Бэнкс Софт Системс»

Website

https://bssys.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Digital Banking Software

NAICS

Custom Computer Programming Services (541511), Computer Systems Design and Related Services (54151), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Programming Services (7371)

akta.pro primary industry

Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC)

akta.pro secondary industries

Billing, Payments & Account Administration Centers (BPAAAAAF), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Business Rules & Decision Management Platforms (BRMS/DMN) (HDAEAKAG)

Keywords

• Remote banking systems
• Digital banking platform
• Conversational AI solutions
• Speech analytics software
• Banking cybersecurity services

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

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. Software Licensing (DBO and Platform Solutions): Sale of packaged (box) software solutions for digital remote banking, including Digital2Go platform, DBO BS-Client x64, Digital2SME, Digital2BM, Digital2Retail. Licensed to banks on a per-instance or enterprise basis. Includes the option for banks to expand functionality independently using SDK and API tools.
2. Implementation and Custom Development Services: Professional services for implementation, customization, integration with bank back-end systems (ABS), and deployment of BSS solutions. Projects range from one month to several years. Technical support and maintenance contracts are bundled with implementations.
3. Speech Technology Platform (D2VerbAI) Licensing: Licensing of the omnichannel conversational AI platform for voice assistants, chatbots, and speech analytics to enterprises in banking, government, telecom, retail, healthcare, and energy sectors. Can be deployed on-premises or in a private cloud.
4. Information Security Services (BSS-Bezopasnost): Specialized cybersecurity services including penetration testing, source code analysis, vulnerability assessment, security auditing, DDoS protection, and certification consulting, offered through subsidiary OOO BSS-Bezopasnost.
5. Digital Ruble and Regulatory Compliance Solutions: Specialized regulatory solutions including digital ruble integration and AUSN (automated simplified taxation) module sold as add-on modules to existing DBO platform customers.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

BSS develops, sells, and implements remote banking systems (DBO), digital banking platforms (Digital2Go, DBO BS-Client x64, Digital2SME, Digital2Retail, Digital2BM), and AI-powered conversational and speech analytics technology (D2VerbAI, voice assistants, chatbots, speech analytics, voice biometrics). It also delivers information security services through subsidiary BSS-Bezopasnost and regulatory compliance modules such as digital ruble integration and AUSN automated simplified taxation. Implementation, integration with bank core systems, and ongoing technical support are bundled with all platform and module deployments.

Product overview

Banks Soft Systems (BSS) offers a comprehensive platform-plus-modules architecture centered around Digital2GO - a universal remote banking platform for all customer segments. The portfolio includes DBO systems (BS-Client x64, Digital2SME, Digital2BM, Digital2Retail), the D2VerbAI omnichannel dialog platform with speech technologies (voice assistant, chatbot, speech analytics, voice biometrics), and the microservices platform. AI-powered solutions feature Dialog Composer 3.0 for AI agents, Agent Trainer for contact centers, and LLM-based knowledge management. Information security services and digital ruble/AUSN tax modules extend the ecosystem. The platform leverages open API and SDK architecture, integrates with major Russian accounting systems (1C, MoekhDelo), counterparty services (Kontur.Fokus, Sonar), and supports SBP payments.

Differentiator

Problem solved

Functional benefit

Products and services

• Digital2Go Platform Universal platform for creating remote banking services for all customer categories (retail, SMB, corporate). Features microservices architecture, omnichannel dialog platform D2VerbAI, and comprehensive information security system with open API and SDK for banks.
• DBO BS-Client x64 Comprehensive system for organizing remote banking services for legal entities in Bank-Client mode and Internet. Includes Bank-Client, Mobile Business Client, Internet-Client, and Online Statement subsystems. Certified compatible with 1C:Enterprise.
• Digital2SME Internet bank solution for small and medium businesses, built on Digital2Go platform. Features intelligent search, graphical analytics, counterparty verification via Kontur.Fokus/Sonar, currency operations, cloud accounting integration, and chat with bank via Webim.
• Digital2BM (D2BusinessMobile) Full-featured mobile office and financial management app for iOS and Android, designed for SMB. Offers payment functions, multi-company management, corporate cards, and SBP support.
• Digital2Retail Modern and flexible solution for remote service of retail banking customers. Built on HTML5 with ReactNative mobile app, featuring omnichannel, voice control integration, and modular architecture.
• D2VerbAI (Digital2VerbAI) Innovative omnichannel dialog platform enabling execution of developed scenarios in voice and text channels with context preservation when switching communication channels. Combines script-based and generative AI approaches.
• Speech Analytics (D2S.SA) Speech analytics module with generative AI capabilities including call summarization, automatic request classification, automatic service quality assessment, emotional temperature analysis, and GPT-powered interactive analysis.
• Virtual Voice Assistant (D2S.NB) Self-learning virtual assistant using AI for natural language customer interactions. Automatically determines request categories and routes to appropriate contact center employees.
• Voice Biometrics (D2S.VB) Voice biometrics module including speaker identification and verification throughout conversation using AI-based voiceprint analysis.
• Chat-Bank / Chat-Bot Intelligent chatbot providing conversational AI assistance in messengers and web interfaces. Can consult and provide banking services in conversational format. Chat-Bank serves B2B clients, Katiusha chatbot serves SMB segment.
• Dialog Composer 3.0 No-code tool for creating dialog scenarios and AI agents. Version 3.0 enables transition from scripted bots to autonomous AI agents with native LLM-based architecture support.
• Agent Trainer (AI-Trainer) AI-powered training module for contact center operators using dialog simulation. Conducts training in format close to real work scenarios without supervisor involvement.
• Microservices Platform Platform based on microservices architecture for organizing and managing infrastructure. Developed with RFIT funding for import substitution, enabling banks to independently or jointly develop unique services.
• Digital Ruble Solution Functional solution for digital ruble operations including compliance with Bank of Russia requirements, complete set of digital ruble scenarios for individuals and legal entities, and integration with Financial Intermediary.
• AUSN Module (Automated Simplified Taxation) Module for automated simplified taxation system on Digital2Go platform, enabling micro, small, and medium businesses to manage tax obligations through DBO with automatic data transmission to tax authorities.
• Host2Host Direct integration solution for large businesses and corporations enabling seamless connection between corporate systems and bank infrastructure.
• Payment Gate EPOS Electronic invoice presentation and payment system providing unified integration gateway for bank interaction with payment systems and providers.
• WidgetPayment Payment widget for retail customers enabling quick and convenient payment functionality integration.
• Server Notification Autonomous technological service for informing bank customers through various communication channels including SMS, email, push notifications, and file exchange.
• Bank Contract Maintenance Banking support for corporate contract management including tracking and management of corporate financial obligations.
• Bank Correspondent Specialized solution for correspondent banking operations and interbank transactions management.
• Broker-Client Solution for retail customers to receive current broker account information and fund accounts from other products in single-window mode.
• Agentic AI Platform Agentic AI platform for transforming contact centers into profit and loyalty drivers. Autonomous agents handle multi-step customer service tasks.
• FRAUD-Analysis (Anti-Fraud System) Solution for preventing fraud in banking operations for legal entities and individuals in DBO systems. Evaluates financial transactions on the Internet for fraud indicators.
• Information Security Services Comprehensive information security services including source code analysis, vulnerability assessment per OUD4, load testing, Darknet reconnaissance, Red Team cyber exercises, Wi-Fi security analysis, penetration testing, web and mobile application security analysis, bank IB level assessment, and certification consulting.
• NPF Personal Account (Личный кабинет клиента НПФ) Personal account solution for clients of non-state pension funds (NPF), enabling them to view pension account information and manage pension-related operations through BSS retail platform.

Quantifiable outcome

• Automates 40%+ of customer inquiries in contact centers without operator involvement
• +10 more outcomes

Named customers24 records

Segments9 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

AI capability14 records

Feature11 records

Partnerships

Six partnerships are on record, tiered moderate, core and minor.

• ИжГТУ (Izhevsk State Technical University)moderateStrategic or Co-development Partner · 1 June 2026BSS and IzhGTU (a leading technical university in the Volga region) signed an agreement to implement educational programs and internships in artificial intelligence and speech technologies. The partnership aims to jointly prepare IT personnel for the digital economy, addressing the talent shortage in AI and speech technology development.
• Webim (Чат-платформа Webim)coreTechnology or IntegrationBSS integrates Webim's chat platform into its Digital2SME digital banking solution, enabling banks to offer real-time text messaging with bank operators, offline message submission, chat history, and file/image sharing within the internet banking interface.
• 1С:Предприятие (1C Enterprise)coreTechnology or IntegrationDBO BS-Client x64 is certified compatible with 1C:Enterprise accounting system. Integration enables seamless data exchange between digital banking and accounting workflows for corporate clients.
• ПАО Сбербанк (Sberbank)minorChannel Partner/ Reseller/ DistributorSberbank processes payments through BSS's Payment Gate 'ЭПОС' system, which serves as an integration hub connecting the bank with multiple payment systems and service providers.
• БТФ-Холдинг (BFT-Holding)moderateStrategic or Co-development PartnerVoice assistant 'Aurora' for MFC Saint Petersburg was implemented by BFT-Holding together with BSS as the technology partner. BSS provides the underlying speech technology platform, while BFT-Holding handles the overall project implementation and government relationship.
• НТЦ АРГУС (NTC ARGUS)minorStrategic or Co-development PartnerBSS and NTC ARGUS jointly conducted a webinar on optimizing contact center operations with AI speech analysis and WFM (Workforce Management) data, demonstrating the combined capabilities of BSS speech analytics and ARGUS workforce management solutions.

Scale indicators15 records

Recent moves8 records

Expansion highlights7 records

Broad incumbents

• NICE: Global enterprise software vendor for customer experience, contact center AI, and voice analytics. Comparable to BSS on the speech-analytics and conversational-AI layers with similar use cases (real-time call monitoring, quality scoring, agent coaching), but serving broader enterprise verticals globally.
• Genesys: Global leader in contact center and conversational AI platforms. Comparable to BSS's D2VerbAI / contact center AI offering at the technology-layer level (ASR, NLU, agent assist, speech analytics), though Genesys lacks BSS's banking-DBO bundling and Russian regulatory positioning.
• Verint Systems: Enterprise vendor of workforce engagement, speech analytics, and conversational AI. Directly comparable to BSS's Speech Analytics / AI Trainer offerings — call quality monitoring, agent performance, conversation summarization — at the platform category level.
• Nexign: Large Russian BSS/OSS vendor historically rooted in telecom billing that has expanded into fintech and banking software. Compared to BSS, Nexign operates at a larger scale and broader portfolio but covers adjacent digital banking and middleware use cases.

Direct peers

• Naumen (Наумен): Russian vendor of contact center software, speech AI, and omnichannel customer service platforms. Directly comparable to BSS's D2VerbAI conversational platform and speech analytics product line, particularly in cross-vertical (telecom, government, healthcare) deployments.
• Diasoft (Диасофт): Major Russian banking software vendor providing core banking, DBO, and digital channel solutions. Diasoft competes head-to-head with BSS for Russian bank IT budgets and serves many of the same tier-1 banks, making it the most directly comparable Russian DBO/fintech platform peer.
• CTI (Communications Technology Innovations): Russian contact center, telephony, and conversational AI solutions provider serving enterprise and government customers. Comparable to BSS for speech analytics, voice bots, and contact center automation, with overlapping customers in telecom and financial services.
• R-Style Softlab (Р-Стайл Софтлаб): Russian banking and financial software vendor offering DBO systems, ABS integrations, and digital banking platforms. Overlaps with BSS in providing software to systemically important and regional Russian banks, and is similarly bundled with Russian import-substitution messaging.

Emerging players

• Smart Engines (Смарт Энджинс): Russian AI company specializing in OCR, computer vision, and document recognition. Comparable as a Russian-headquartered AI vendor serving banks and enterprises; overlaps with BSS's Photo Payment feature (powered by ABBYY FlexiCapture) at the document-AI layer.
• Exactpro Systems: Russian-origin fintech software testing vendor serving exchanges, clearinghouses, and banks. Comparable as a Russian fintech software specialist with bank and trading-platform clients, though focused on testing rather than the platform/AI layer that BSS occupies.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/bssyscom
• Facebookfacebook.com/bssyscom

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Banks Soft Systems