What Foton does

Fóton Informática S.A. is a Brazilian IT company founded in 1993 and headquartered in Brasília, DF, that develops integrated banking automation software for financial institutions. The company's platform is anchored on Bank Link, a Java-based high-performance transaction processor that integrates corporate core banking systems with all customer-facing channels—branches, ATMs, internet banking, mobile banking, correspondent banking, call centers, and debit networks—via an omnichannel architecture supporting both on-premises and cloud deployment. Around this core, Fóton offers a portfolio of channel-specialized products: Extra Cash (ATM/self-service), Next Bank (branch automation), My Bank (mobile banking), Omni Bank (mobile teller), Extra Bank (correspondent banking), Netbanking, Cardware (card management with EMV support), Billin (electronic bill presentment and payment), Enforce (real-time compliance monitoring), Intollerant (tariff/pricing management), and Wideview (network management and monitoring).

The company monetizes through a mix of custom software development (Bespoke implementations delivered with source code to clients), software licensing and maintenance (recurring subscriptions), specialized banking factory teams deployed across Brazilian states (acting as on-site development partners), and integration services (GED document management and BI dashboards). Pricing is quote-based with annual billing cadence, tailored to institution size and project scope. GTM is enterprise direct sales targeting banks, cooperatives, and payment infrastructure providers; the company reports 30,000+ ATMs, 3,000+ agencies, 10M+ daily transactions, 40M+ end users, and 100M+ mobile app downloads across its installed base. Named customers include Caixa Econômica Federal, Banco da Amazônia, Banco do Nordeste, Sicoob, Banco Mercantil, BRB, J17 Bank, and ELO. The firm is a closed-capital Sociedade Anônima with 100% Brazilian capital, has 501–1,000 employees (28% female per its Salary Equality Report), holds MPS.Br Level C certification, maintains LGPD compliance with a designated DPO, and supports a remote/hybrid workforce across Brazil.

Name

Foton

Legal name

Fóton Informática S.A.

Website

https://foton.la

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Fóton Informática is a Brazilian IT company founded in 1993 that develops integrated banking automation software—omnichannel transaction processing, branch, ATM, mobile, and compliance solutions—for financial institutions of all sizes across Brazil.

Ownership category

akta.pro rank

Product category

Banking Automation Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Card Issuing & Program Management Platforms (BPAMAFAH)

akta.pro secondary industries

Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Card Issuing Platforms (Issuer Processing) (FSAGABAD)

Keywords

• Banking automation software
• Omnichannel transaction processing
• Core banking integration
• Mobile banking solutions
• Financial software services

Headquarters

HQ city

Brasilândia

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Custom Software Development: Bespoke software development for banking automation including channel integration, agency automation, and mobile banking solutions. Development is participatory with source code and documentation delivered to clients.
2. Software Licensing and Maintenance: Licensing of proprietary banking software solutions including Bank Link, Next Bank, Extra Cash, My Bank, and complementary products. Includes ongoing maintenance and support services.
3. Specialized Banking Factory Services: Specialized teams deployed across various Brazilian states acting as partners in development and maintenance of financial products and services, both Fóton-developed and from other suppliers.
4. Integration Services: Integration services including GED (Electronic Document Management) system integration for capture, processing, storage, indexing, sharing and backup of documents.
5. BI and Decision Support Solutions: Dashboard development for BI, business analysis, data organization with ideal technological infrastructure.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Fóton develops and licenses an integrated suite of banking automation software products centered on Bank Link, a Java-based omnichannel transaction processor that connects corporate core banking systems with branches, ATMs, internet banking, mobile banking, call centers, and correspondent networks. The portfolio also includes self-service (Extra Cash), branch (Next Bank, Omni Bank), mobile (My Bank, Netbanking), correspondent banking (Extra Bank), card management (Cardware), electronic bill payment (Billin), compliance monitoring (Enforce), tariff management (Intollerant), and channel network management (Wideview) solutions, complemented by custom development, integration, and BI consulting services for Brazilian financial institutions.

Product overview

Fóton offers a unified platform-plus-modules product architecture centered on Bank Link, an omnichannel transaction processing hub that integrates all banking service channels (branches, ATMs, internet banking, mobile banking, correspondents, and call centers) with core banking systems. Around this core engine, Fóton provides specialized channel solutions including Extra Cash (ATM/self-service terminals), Next Bank (branch automation), My Bank (mobile/digital banking), Omni Bank (mobile teller), Extra Bank (correspondent banking), and Netbanking (internet banking). The portfolio also includes payment and card management solutions (Cardware for card administration, Billin for electronic payments), compliance and monitoring tools (Enforce for real-time compliance monitoring, Wideview for network management), transaction optimization (Intollerant for tariff management), business intelligence dashboards (Cash Board, BI Dashboard Solutions), and document management integration (GED Integration). The architecture is inherently multi-channel and multi-product by design, with Bank Link serving as the central integration backbone.

Differentiator

Problem solved

Functional benefit

Products and services

• Bank Link Central Java-based transaction processor and omnichannel hub that integrates all banking service channels (branches, ATMs, internet banking, mobile, call centers, correspondents, and debit networks) with corporate core banking systems, providing routing, authorization, reconciliation, and high-throughput transaction handling (1,000+ transactions per second with sub-0.5s response time). Sold to banks and financial institutions; deployable on-premises or in the cloud.
• Extra Cash Self-service terminal automation solution for ATM networks and totems, providing online transaction processing for balance inquiries, financial movements, and interbank integration, with centralized authorization, web-based interface, and accessibility features including voice output and Brazilian Libras sign language support. Sold to banks and financial institutions operating ATM networks.
• Next Bank Branch (agency) banking automation solution providing integration of multiple service channels within bank branches, including teller operations and video teller backend systems, with centralized authorizations, centralized data and logs, electronic receipt journal (bobina eletrônica), remote supervisor authorization, and tablet access for managers. Sold to banks and credit cooperatives.
• My Bank Mobile and digital banking solution supporting multiple communication channels including SMS, email, fax, WAP, PDA, and social media (Twitter, Facebook) for account information delivery and transaction services on personal communication devices. Sold to banks and financial institutions seeking mobile and remote channel delivery.
• Omni Bank Mobile teller solution enabling portable terminals for bank staff to perform full banking transactions inside or outside the branch, reducing queues and extending service reach to customers. Sold to banks deploying assisted self-service or off-branch transaction capabilities.
• Extra Bank Correspondent banking automation enabling neighborhood commerce and non-branch agents to offer financial services including deposits, withdrawals, transfers, bill payments, and card services. Sold to banks operating or expanding correspondent banking networks.
• Netbanking Internet banking platform processing online transactions including balance inquiries, transfers, bill payments, and account management, with integrated security and audit logging. Sold to banks and financial institutions offering web-based self-service banking.
• Cardware Magnetic card administration solution managing credit, debit, and convenience card authorization cycles, with multi-brand support and EMV smart card transaction security. Sold to banks, card issuers, and payment networks.
• Billin Electronic bill presentation and payment (EBPP) solution managing interbank titles and accounts with DDA (Débito Direto Autorizado) integration. Sold to banks and financial institutions offering electronic billing and collection services.
• Enforce Compliance monitoring solution providing real-time transaction conformity checking with audit trail generation and escalation management for banking operations. Sold to banks and financial institutions requiring regulatory and operational compliance automation.
• Intollerant Transaction rating and service package management solution processing pricing rules based on service usage packages, with informative or authorizer tariff models. Sold to banks and financial institutions managing complex fee structures and tariff policies.
• Wideview Service channel network management solution providing integrated real-time monitoring and control of service networks including terminals, internet banking, mobile, and correspondents. Sold to banks and financial institutions operating multi-channel service networks.
• Custom Banking Software Development and Factory Services Bespoke software development, systems integration, and specialized on-site factory team services for Brazilian financial institutions. Development is participatory with source code and documentation delivered to clients, and specialized teams are deployed across multiple Brazilian states to act as partners in development and maintenance of financial products and services, both Fóton-developed and from other suppliers.
• BI Dashboard and GED Integration Services Business intelligence dashboard development for data-driven decision-making and Electronic Document Management (GED) system integration for corporate document capture, processing, storage, indexing, sharing, and backup. Sold to banks and financial institutions seeking BI and document management integration with their banking systems.

Quantifiable outcome

• 100+ million mobile app downloads for one of Fóton's developed apps
• +4 more outcomes

Named customers9 records

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Scale indicators9 records

Recent moves10 records

Expansion highlights5 records

Broad incumbents

• Oracle Financial Services: Global vendor of FLEXCUBE and other banking platforms used by large Brazilian and LATAM banks. Competes with Fóton for core-banking and channel-modernisation budgets at the largest Brazilian institutions.
• Mambu: Cloud-native core-banking platform serving challenger banks and incumbents modernising their cores. A direct alternative to Fóton's on-prem Bank Link for Brazilian banks pursuing cloud-first digital-banking strategies.
• Temenos: Global leader in core-banking software used by large and mid-sized banks worldwide. Competes with Fóton for the same banking-IT wallet among Brazilian mid-tier and international banks seeking a packaged core-banking platform.
• TOTVS: Largest Brazilian enterprise-software company, with a sizable financial-institutions vertical covering core banking, ERP and channel solutions. Competes with Fóton in broader bank-IT software in Brazil with greater scale and a more diversified product suite.
• Thought Machine: Cloud-native core-banking platform built on Vault, adopted by several global tier-1 banks. Represents the architectural alternative (cloud-native, microservices) that challenges Fóton's traditional Java-based omnichannel stack.
• FIS (Fidelity National Information Services): Global banking and payments technology provider with significant Brazilian and LATAM presence serving banks, issuers and acquirers. Overlaps with Fóton's transaction-processing, card-management and channel-integration capabilities.

Direct peers

• Sensedia: Brazilian API and integration platform serving banks and large enterprises. Sensedia's API-management and Open Finance integration products overlap directly with Fóton's omnichannel and Open Finance capabilities for Brazilian banks.
• Pismo: Brazil-origin core-banking and transaction-processing middleware (now part of Visa). Like Fóton, Pismo provides the orchestration and processing layer that connects bank channels (issuers, processors, core banking) via API-driven infrastructure, with comparable Brazilian heritage and overlapping target customers in LATAM.
• Z1: Brazilian digital-banking / core-account platform enabling neobanks and embedded finance. Directly comparable to Fóton's Bank Link in that both provide the digital banking engine (accounts, cards, transactions, channels) for Brazilian financial institutions.

Regional players

• Profit (B3 / formerly Dextra): Long-standing Brazilian banking-software supplier (now part of B3 group) providing capital-markets and bank-IT solutions. A direct in-country peer with similar relationships to Brazilian banks, exchanges and broker-dealers.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/fotonti
• Facebookfacebook.com/fotonti
• LinkedInlinkedin.com/company/foton
• Instagraminstagram.com/foton_ti

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Foton