ZENTITY

What ZENTITY does

Zentity a.s. is a privately held digital banking and digital-channel solutions provider headquartered in Prague, Czech Republic, founded in 2008 and operating with 200+ employees and four wholly-owned legal entities in the Czech Republic, USA (Wilmington, DE), Slovakia (Bratislava) and Hungary (Komárom). The company's core product is the Digital Accelerator Platform – a microservices-based architecture with unified front-ends, centralized business logic and standardized integration with core banking systems via JSM, WS/SOAP and REST/JSON – wrapped around which sit modular products including Digital Banking (web/mobile/smartwatch, PSD2-compliant), Zentity Digital Server (ZDS), Zentity Push Server (ZPS), Zen Bots (AI voice/chat), Integrated Loyalty/Zenefit, Digital Onboarding with liveness detection, Translation Hub, Communication Hub/ComHub, eKiosk and Identity & Access Management (ZIA). The company cites 110+ complex digital solutions delivered across 23 countries and a claimed 4-month average delivery time for fully integrated digital banking.

Name

ZENTITY

Legal name

Zentity a.s.

Website

https://zentity.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Zentity a.s. is a Prague-headquartered provider of digital banking and digital-channel solutions, selling its Digital Accelerator Platform and modular suite (ZDS, ZPS, Zen Bots, Zenefit loyalty, Digital Onboarding, ComHub, eKiosk, ZIA) to enterprise clients in banking, telecom, energy, automotive and retail across 23 countries.

Ownership category

akta.pro rank

Product category

Digital Banking Platform Software

NAICS

Computer Systems Design and Related Services (54151), Software Publishers (5132)

akta.pro primary industry

SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations) (FSAGAAAI)

Keywords

• Digital banking platforms
• Omnichannel customer journeys
• Mobile banking solutions
• PSD2 compliance software
• Loyalty management software

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices4 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 Platform Software: Licensing and deployment of Zentity Digital Accelerator Platform and its modular components including Digital Banking, Digital Server, Push Server, Zen Bots, and Integrated Loyalty modules. Delivered as customizable, ready-to-use solutions for financial institutions and other industries.
2. Implementation Services: Professional services for digital transformation projects including requirements analysis, solution design, development, integration with core systems, and deployment. Project managers serve as primary client relationship touchpoints.
3. Digital Solutions Delivery: End-to-end delivery of complex digital solutions combining native development with digital framework products. Includes mobile applications, web platforms, and integration with existing infrastructure.
4. Platform Maintenance and Support: Ongoing support and maintenance services for deployed solutions ensuring operational continuity and system updates.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels6 records

Core offering

Zentity provides a proprietary Digital Accelerator Platform that enables organizations to design and manage digital customer journeys across all channels from a single place, combining microservices architecture, unified front-ends, and centralized business logic. The company delivers customizable, ready-to-use digital banking and channel solutions complemented by modular products (Digital Server, Push Server, Zen Bots, Integrated Loyalty, Digital Onboarding, ComHub, Translation Hub, eKiosk, ZIA IAM, and ZEN:Play Super App Platform) sold primarily to financial institutions, telecom operators, energy companies, and select automotive and retail enterprises.

Product overview

Zentity offers a platform-plus-modules architecture centered on its Digital Accelerator Platform. The core Digital Banking platform provides omni-channel capabilities for web, mobile and smartwatch applications. Supporting modules include: Zentity Digital Server (integration engine), Zentity Push Server (secure messaging), Zen Bots (AI voice/chat bots), Integrated Loyalty/Zenefit (reward management), Digital Onboarding (customer acquisition), Translation Hub (multi-language management), Communication Hub/ComHub (customer communication), eKiosk (physical-digital bridge), and Identity & Access Management/ZIA (authentication/authorization). These products work together as an integrated suite for digital banking and beyond.

Differentiator

Problem solved

Functional benefit

Brands

• Digital Onboarding: Customer sign-up solution allowing remote, secure onboarding within minutes
• Zenefit (Integrated Loyalty)
• eKiosk
• Zen Bots
• Zentity Digital Server
• Zentity Push Server
• Translation Hub
• Communication Hub (ComHub)
• Identity & Access Management (ZIA)

Products and services

• Digital Accelerator Platform A modular, customizable platform that enables organizations to design and manage digital customer journeys across all channels from one place, with microservices architecture, unified front-ends, centralized business logic, and flexible integration capabilities.
• Digital Banking Freely customizable omni-channel platform solution integrating web, mobile and smartwatch applications for banking and beyond; PSD2-compliant and Beyond Banking ready, with more than 50 implementations cited.
• Zentity Digital Server (ZDS) The one engine for digital channels - a customizable, ready-to-use digital platform that simplifies integration of channels with core business systems via standardized information exchange, business logic, and connectivity to JSM, WS/SOAP, REST/JSON backends.
• Zentity Push Server (ZPS) A sophisticated, secure customer communication center that allows direct and advanced contact with customers at lower cost without exposing sensitive data to 3rd parties, with full reporting and scheduling capabilities.
• Zen Bots Integrated AI Voice and Chat Bot solution that allows serving customers across different channels (Call Centre, mobile or internet), improving customer experience and reducing customer service costs; first banking bot allowing in-chat transactions.
• Integrated Loyalty (Zenefit) Only fully integrated loyalty solution within digital channels; offers the most granular reward system, allowing definition down to the last transaction of what to reward customers for, with total flexibility in defining reward profiles and visibility across all digital channels.
• Digital Onboarding Flexible, safe digital onboarding solution allowing customers to sign up for services remotely, speedily and securely within minutes from their preferred location, with liveness detection and KYC processes that work on any smartphone.
• Translation Hub Cloud or on-premise solution for managing all translations for applications through APIs, allowing adding or fixing language items without requiring users to update their application.
• Communication Hub (ComHub) Personalizes customer communication by connecting core business applications and digital channels with major communications platforms such as app inbox, push notifications, SMS, email, and WhatsApp.
• eKiosk Bridge between digital and physical channels providing a fully branded touchpoint at physical locations with support for SIM dispensing, digital onboarding, customer self-service, and cash/card payments.
• Identity & Access Management (ZIA) Provides unique and secure identities across all digital platforms with convenient onboarding and authorization processes, including digital onboarding, biometrics, single sign-on, and multi-factor authentication.
• ZEN:Play Super App Platform First Super App & Software Development Platform allowing third-party widgets to be integrated into digital channels; includes PluginSDK for Android/iOS/React-native and Developer Portal for plugin lifecycle management.

Quantifiable outcome

• 4 months average delivery time for fully integrated digital banking solution - fastest globally
• +5 more outcomes

Named customers12 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability8 records

Feature13 records

Partnerships

Five partnerships are on record, tiered core.

• Škoda AutocoreStrategic or Co-development Partner · 1 January 2017Together with Zentity, Škoda Auto developed an open platform (ZEN:Play) that allows MyŠkoda users to seamlessly access approved third-party services and allows third-party providers to develop service widgets in a clearly defined Škoda environment. Zentity developed PluginSDK and Developer Portal enabling third-party plugin development, testing, and deployment.
• Addiko BankcoreImplementation/ SI/ Consulting Partner · 1 January 2016Group-wide rollout of mobile banking for Addiko Group across 5 countries in 6 months. Zentity established a Digital Competence Center partnership model helping with recruitment of new teams for the bank. The DCC has grown to over 20 FTEs and continues to improve the app with new features.
• NedbankcoreImplementation/ SI/ Consulting PartnerDelivered sophisticated private banking mobile application with state-of-the-art design and full functionality within 6 months. Application integrates two separate back-end infrastructures into one mobile banking application.
• BenzinacoreImplementation/ SI/ Consulting PartnerHighly flexible and seamlessly integrated loyalty system for petrol tanking and loyalty programme. Solution includes native mobile apps, Zentity Digital Server, Zenefit loyalty module, and Push Server.
• Stredoslovenská energetika (SSE)coreImplementation/ SI/ Consulting PartnerState-of-the-art customer portal for electricity and gas customers. Platform provides consistent digital experience on mobile and web with integrated loyalty, real-time electricity market pricing, and secure messaging.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Backbase: Backbase is a direct competitor offering a unified digital banking platform with omnichannel customer journeys, composable architecture, and similar enterprise banking customers. Closest functional analogue to Zentity's Digital Accelerator Platform and Digital Banking product.
• nCino: nCino provides a cloud-based digital banking platform spanning retail, business, and commercial lending with onboarding and account opening workflows. Comparable to Zentity's digital onboarding and omnichannel banking focus, although weighted more toward commercial lending.
• Thought Machine: Thought Machine builds cloud-native core and digital banking platforms (Vault) for retail and commercial banks globally. Direct competitor in the modular, API-first digital banking platform category that Zentity targets with its Digital Accelerator Platform.
• Mambu: Mambu provides a cloud-native, composable banking platform serving digital banks, neobanks, and traditional financial institutions with retail/customer account, lending, and deposit capabilities. Overlaps directly with Zentity's digital banking and onboarding use cases.
• 10x Banking: 10x Banking offers a cloud-native core banking and digital platform for incumbent banks, with strong omnichannel and API-led capabilities. Direct competitor to Zentity for Tier 1 and Tier 2 banks seeking modern digital infrastructure.

Broad incumbents

• Temenos: Temenos is a global incumbent banking software vendor offering core banking, digital channels, and digital banking platforms to retail, commercial, and private banks worldwide. A much larger competitor operating broadly across the same RFP basket as Zentity.
• Finastra: Finastra delivers a broad portfolio of banking and financial services software including core banking, digital channels, and digital lending. Competes with Zentity for the digital channels layer of large banking transformations, but as a much broader portfolio incumbent.
• Infosys Finacle: Infosys Finacle is a long-established digital banking platform suite from a global IT services major, serving retail, corporate, and wealth management banks. Competes with Zentity across digital channels and core banking modernisation deals, leveraging Infosys delivery scale.
• Sopra Banking Software: Sopra Banking Software is a European banking software vendor offering core and digital banking platforms to retail banks. Highly comparable geographic and segment overlap with Zentity's European mid-market banking customer base.
• Tata Consultancy Services (BaNCS): TCS BaNCS is a broad banking and financial services platform from a global IT services leader, covering core banking, digital channels, lending, and wealth. Competes with Zentity for large enterprise banking transformation mandates and adds global delivery scale Zentity lacks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/thezentity
• Facebookfacebook.com/zentity
• LinkedInlinkedin.com/company/zentity-a-s-

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries3 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 ZENTITY