What Digital Habits does

Digital Habits Group (ГК «Цифровые привычки») is a privately held Russian IT services holding company headquartered in Saint Petersburg, founded in 2016. The Group provides custom system software development, boxed IT solutions, and digital transformation services primarily to Russian banks and fintech companies, with named enterprise customers including Sberbank, VTB, and Alfa-Bank. The Group is ranked in the Top-5 of IT vendors for Russian banks based on own solutions according to TAdviser's 2023 rating, and operates through three wholly-owned subsidiaries — Цифровые привычки (custom system software), Финейтив/Finative (banking platforms and personal accounts), and Платформа КИНН/KINN (HR and contractor automation) — employing 304-350+ IT specialists with multi-year experience serving Russian fintech leaders. Custom development for financial organizations accounts for 63% of Group revenue, with the remainder coming from boxed IT solutions, custom client software, and licensed educational services.

The Group has built a portfolio of proprietary AI/ML-driven products including the Credit Conveyor (Кредитный конвейер, reducing credit processing to 7-10 minutes), an AI Voice Consultant (claimed 98% human error reduction), an Investment Analytics Platform (claimed 50% analyst efficiency lift), Protection Dome (Защитный купол, fraud detection with +35% triage accuracy), a CodeAche platform for rapid IT project launch, the KINN HR automation platform, and most recently Quantum Hash, a 2025-launched DSPM platform for monitoring sensitive data in Kubernetes environments. Underlying AI capabilities span NLP, computer vision, speech-to-text, predictive analytics, anomaly detection, generative AI (via GPT-4 API), and process automation across text, image, audio, code, and structured data modalities. The Group has registered 10+ proprietary solutions in the Russian domestic software registry.

The Group goes to market through direct enterprise sales and competitive tendering, achieving an 18% average conversion rate from tender submissions to contract wins and 39.2 billion rubles of competitive procedure participation (+110.7% YoY). The contract portfolio reached 7.7 billion rubles by end of 2025, with 14.9 billion rubles contracted through 2029 and an 83% three-year client retention rate. Revenue grew 68% in 9M2024 (41% YoY on a different reporting basis, vs 32% market average), with 59% OIBDA margin and 89% net profit growth in 2025. Shares were admitted to OTC trading on the Moscow Exchange in August 2025 as a step toward a potential IPO; ownership appears founder/management-controlled with no disclosed external institutional investors.

Name

Digital Habits

Legal name

Акционерное общество «Цифровые привычки»

Website

https://dhabits.ru

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Digital Habits Group is a Russian IT services holding company that delivers custom software, AI/ML solutions, and banking platforms primarily to systemically important Russian banks (Sberbank, VTB, Alfa-Bank) and fintech firms, ranked Top-5 in TAdviser's 2023 IT vendor ranking for banks.

Ownership category

akta.pro rank

Product category

Banking Software Solutions

NAICS

Software Publishers (513210), Software Publishers (51321)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Prepackaged Software (7372)

akta.pro primary industry

Digital Learning Content Development (eLearning, Labs, Simulations) (BPAEANAD)

akta.pro secondary industry

Workplace Accessibility, Adoption & Change Management (Digital Adoption, training, comms) (BPAEAIAN)

Keywords

• Banking software development
• Fintech IT solutions
• Core banking systems
• ML financial platforms
• Digital transformation services

Headquarters

HQ city

Saint Petersburg

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Custom Development for Financial Organizations: Development of core banking software and system software for banks and financial organizations, accounting for 63% of Group revenue.
2. Box IT Solutions: Supply of boxed/canned IT solutions including own products - banking platforms, investment platforms, and ML-based systems.
3. Custom Development for Client Software: Custom software development in the field of client software including mobile applications and personal accounts.
4. Educational Services: Training services for IT specialists, including certification programs. Group has Ministry of Education license.
5. Contract-based Development: Revenue from large contracts with major Russian banks. Contract portfolio by end of 2025 - 7.7B rubles, contracted orders 14.9B rubles through 2029.

Go-to-market motion2 records

Distribution channels1 record

Marketing channels8 records

Core offering

Digital Habits is a Russian IT vendor that delivers custom and productized software for banks and fintech companies. Its offering spans infrastructure (core banking, system software), client-facing platforms (mobile apps, personal accounts under the Finative brand), an ML/AI solutions portfolio (Credit Conveyor, AI Voice Consultant, Investment Analytics, Protection Dome, AI Digital Assistant) and adjacent platforms such as CodeAche (IT project launch) and KINN (HR for self-employed contractors).

Differentiator

Problem solved

Functional benefit

Brands

• Финейтив (Finative): Platform for retail and corporate remote banking, ML-based banking solutions, personal accounts for individuals and legal entities.
• CodeAche
• КИНН / KINN

Products and services

• Finative (Финейтив) Retail and corporate remote-banking platform under the Finative brand, offering mobile applications and personal accounts for individuals and legal entities, ML-based banking solutions, and an investment-platform module for MOEX (added in 2024).
• CodeAche Platform for rapid testing and launch of new IT projects with automated development-efficiency control, short implementation timelines and detailed analytics for IT organizations.
• KINN (КИНН) Platform for automating business tasks related to digital product development, including delegation, settlements with performers, documentation, automated calculations and HR management for IT specialists.
• Quantum Hash (Квантум Хэш) DSPM platform that monitors sensitive data in Kubernetes environments to support data security posture management for enterprises.
• ML Solutions Portfolio (Credit Conveyor, AI Voice Consultant, Investment Analytics Platform, Protection Dome, AI Digital Assistant) Portfolio of AI-based banking solutions including Credit Conveyor for end-to-end retail and corporate credit processing, AI Voice Consultant for account opening and credit/insurance/investment recommendations, Investment Analytics Platform for trading-strategy formation, Protection Dome for real-time suspicious-transaction identification, and a Digital Assistant that personalizes financial products.
• Custom Software Development for Banks and Fintech Bespoke development, supply, configuration and support of system and client software for banks and fintech organizations, including core banking systems, mobile applications and personal accounts.
• Educational Services for IT Specialists Training and certification programs for IT specialists covering areas such as fintech development and cybersecurity, delivered under a Russian Ministry of Education license, including a unique dual-certification course with Positive Technologies covering Central Bank cybersecurity requirements.

Quantifiable outcome

• 68% annual revenue growth
• +6 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability17 records

Feature8 records

Partnerships

One partnership is on record.

• Positive TechnologiescoreStrategic or Co-development Partner · 1 January 2024Partnership for unique dual certification course covering Central Bank cybersecurity requirements. Modules created for developers and system analysts at middle level. First such program on the market combining cybersecurity training with fintech-specific content.

Scale indicators15 records

Recent moves8 records

Expansion highlights6 records

Regional players

• Nexign: Russian-headquartered BSS provider for telecom and enterprise, with some presence in financial services billing. Comparable as a Russian IT vendor serving large enterprises with custom development and packaged solutions.

Direct peers

• Jet Infosystems: Large Russian IT services company with significant banking and financial services practice. Comparable in delivering custom software development and IT services to large Russian enterprises including financial institutions.
• Diasoft: One of Russia's largest banking software vendors providing core banking and digital channel solutions to Tier-1 Russian banks including Sberbank and VTB. Most directly comparable peer given overlapping customer base and product focus on banking IT systems.
• R-Style Softlab: Russian banking IT vendor with strong position in automated banking systems and core banking solutions for Russian banks. Direct competitor in the same segment with similar product offerings and customer overlap.
• CFT Group (Center for Financial Technologies): Major Russian banking software developer offering core banking, processing, and digital banking solutions. Directly competes with Digital Habits in the same Tier-1 bank customer segment with similar packaged software and custom development offerings.
• BSS (Banking Software Systems): Russian banking software vendor specializing in digital banking, anti-fraud, and process automation for Russian financial institutions. Comparable in targeting the same banking IT modernization budget pool with packaged and custom solutions.
• Reksoft: Russian IT services company focused on custom software development for banks and financial institutions. Comparable in scale and target customer segment with similar services-led business model.

Broad incumbents

• Softline: Major Russian IT vendor offering software licensing, cloud services, and IT solutions to enterprises including financial institutions. Broader incumbent with overlapping customer base in Russian banking sector.
• Croc Incorporated: One of the largest Russian IT integrators with significant presence in banking and financial services. Broader incumbent offering IT infrastructure, services, and custom development to large Russian banks and enterprises.
• T1 Group (incl. AT Consulting): Large Russian IT services and software group providing banking, telecom, and public sector IT solutions. Comparable as a broader incumbent in Russian banking IT with overlapping custom development capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks4 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@digitalhabits9532
• LinkedInlinkedin.com/company/dhabits

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Digital Habits