Rural Servicios Informaticos

What Rural Servicios Informaticos does

Rural Servicios Informaticos (RSI) is a Spanish banking-technology vendor and a subsidiary of Grupo Caja Rural, headquartered in Tres Cantos (Madrid). The company designs, develops, and operates proprietary banking infrastructure for financial institutions, with a portfolio spanning core banking, payment processing, data analytics, digital banking, and an API connectivity layer exposing more than 120 methods. RSI runs a centralized cloud banking platform that connects 60+ Spanish and Andorran financial entities, processes 63 million transactions per day, holds 130+ billion in digital assets under management, and reaches approximately 6.5 million end customers through its client entities. Customer segments explicitly served include the Grupo Caja Rural proximity-banking group (30+ entities), digital banks and neobanks, ethical/cooperative banks including FEBEA members, automotive-finance groups, savings banks, investment firms, and private banks.

RSI's technology stack is fully proprietary and built up over more than 30 years, covering active/passive banking operations, disintermediation, foreign exchange, portfolio management, accounting, product catalog, and customer-management functions. The API Market portal acts as the integration front door, while the payment infrastructure is embedded in the Spanish payments ecosystem through an Iberpay partnership. The platform is operated under a regulated compliance posture, including ENS Alta certification (Spanish National Security Scheme), ISO 14001:2015 environmental management, ISO 22301 business continuity, ISO 37001 anti-bribery, UNE 19601 criminal compliance, and DORA alignment for digital operational resilience.

RSI monetizes primarily through enterprise SaaS contracts with multi-year terms, sold via direct engagement to financial institutions rather than public list pricing. Distribution is anchored by the captive Grupo Caja Rural network and complemented by direct enterprise sales, cloud-platform onboarding, API-led integrations, and partner channels. Revenue is not publicly disclosed. Strategic posture over the past several years has emphasized compliance certification, sustainability (a 2023 co-funded photovoltaic installation), product platformization (API Market), and selective segment diversification beyond the Caja Rural captive base.

Name

Rural Servicios Informaticos

Legal name

Rural Servicios Informáticos, S.L.

Website

https://ruralserviciosinformaticos.com

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Rural Servicios Informaticos is a Spanish banking-technology subsidiary of Grupo Caja Rural that delivers proprietary core banking, payments, data analytics, digital banking, and API connectivity to 60+ financial institutions across Spain and Andorra.

Ownership category

akta.pro rank

Product category

Core Banking Platform Software

NAICS

Computer Systems Design Services (541512), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210), Computer Systems Design and Related Services (54151)

SIC

Finance Services (6199)

akta.pro primary industry

Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)

akta.pro secondary industry

Neobank Core Platform (Retail/SME Digital Bank) (FSAGAAAA)

Keywords

• Core banking software
• Banking payment processing
• Financial api platform
• Digital banking solutions
• Cloud banking infrastructure

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Infrastructure

Revenue model

1. Banking Technology SaaS Platform: RSI operates as a Software as a Service provider for financial institutions, offering integrated banking solutions including core banking, payments, data analytics, and digital banking services. The company manages transaction processing and platform connectivity for 60+ financial entities.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

RSI designs, develops, and manages proprietary banking technology solutions delivered as a cloud-based SaaS platform to financial institutions. Its offering spans five integrated product lines—core banking, payments, connectivity (APIs), data analytics, and digital banking—connected through an API Market portal exposing 120+ methods, enabling 60+ financial entities in Spain and Andorra to run their banking operations.

Product overview

RSI offers a unified ecosystem of banking technology solutions comprising five core product lines: Soluciones Digitales (digital transformation), Soluciones de Conectividad (API-based connectivity with 120+ methods), Soluciones de Core Banking (proprietary integrated core banking system), Soluciones de Payment (payment infrastructure), and Soluciones de Data (real-time analytics). The Plataforma Bancaria serves as the central nucleus integrating all banking operations. The portfolio is accessible through the API Market platform, enabling financial entities to connect and customize solutions. RSI operates as a Software as a Service provider with over 30 years of experience serving Spanish and Andorran financial entities.

Differentiator

Problem solved

Functional benefit

Products and services

• Soluciones Digitales (Digital Solutions) Digital transformation solutions enabling banks to digitize their operations through an API-first strategy that allows each client to deploy a customized digital solution with 24-hour implementation across financial networks.
• Soluciones de Conectividad (Connectivity Solutions)
• Soluciones de Core Banking (Core Banking Solutions)
• Soluciones de Payment (Payment Solutions)
• Soluciones de Data (Data Solutions)
• API Market
• Plataforma Bancaria (Banking Platform)

Quantifiable outcome

• 63 million transactions processed daily
• +4 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Two partnerships are on record, tiered core and minor.

• IberpaycoreTechnology or IntegrationIberpay logo displayed on RSI solutions page indicating payment processing integration and collaboration within the Spanish payment infrastructure ecosystem
• Unión Europea - NextGenerationEUminorOthersRSI received 42,069.44€ aid through the Photovoltaic Installation program under the Recovery, Transformation and Resilience Plan funded by NextGenerationEU. Total investment of 294,976.73€ for 224.55 kWp photovoltaic installation.

Scale indicators11 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Thought Machine: Thought Machine provides a cloud-native core banking engine (Vault) used by challenger and incumbent banks across Europe—comparable to RSI's proprietary core banking platform serving European banks with API-first architecture.
• Backbase: Backbase provides a digital banking platform and engagement layer for retail, SME, and private banks globally—comparable to RSI's Soluciones Digitales offering that delivers customized digital banking experiences via an API-first strategy.
• Cecabank: Cecabank is a Spanish banking services and payment infrastructure provider serving financial institutions with custody, payment processing, and technology services—directly comparable to RSI's role as a back-office banking technology vendor to the Spanish financial system.
• Sopra Banking Software: Sopra Banking Software is a European core banking and digital banking software vendor serving retail banks, neobanks, and fintechs across Europe—directly comparable to RSI's core banking platform offering and customer base of European financial institutions.
• Mambu: Mambu is a cloud-native core banking platform serving neobanks, digital banks, and financial institutions globally—directly comparable to RSI's API-first, cloud-delivered banking platform serving digital and neobank clients.
• Avaloq: Avaloq provides core banking and wealth management software for private banks and financial institutions in Europe and Asia—comparable to RSI in the European core banking software space serving private banking and investment services clients.

Emerging players

• nCino: nCino is a cloud banking platform serving commercial, retail, and small business banks with SaaS-based solutions—an emerging player comparable to RSI in the cloud-based, integrated banking software category targeting financial institutions.

Broad incumbents

• Oracle Financial Services: Oracle Financial Services offers core banking, payments, and analytics solutions to large global banks—a broad incumbent providing overlapping capabilities with RSI but serving a much larger, geographically diverse client base.
• Temenos: Temenos is the largest global core banking software vendor, serving retail, corporate, and digital banks worldwide—a broad incumbent comparable to RSI's core banking platform but operating globally with a much broader portfolio.
• FIS: FIS is a global financial technology provider offering core banking, payments, and digital banking solutions to banks and credit unions worldwide—a broad incumbent with overlapping capabilities to RSI but operating at a vastly larger scale globally.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCtHtIVunfJONPSx74mgpkvQ
• LinkedInlinkedin.com/company/rural-servicios-inform%C3%A1ticos-s-c-/mycompany/?viewAsMember=true
• Xx.com/rsi_ti

Compliance6 records

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 Rural Servicios Informaticos