PKO Finat

Name

PKO Finat

Legal name

PKO BP Finat sp. z o.o.

Website

https://finat.pl

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Fund Administration Services

SIC

Finance Services (6199)

akta.pro primary industry

Financial Planning & Analysis Support (Budgeting, Forecasting, Management Reporting) (BPAAAGAJ)

akta.pro secondary industry

Billing, Subscription & Revenue Management Infrastructure (FSAGABAM)

Keywords

• Fund administration services
• Transfer agent services
• IT outsourcing services
• Cloud transformation services
• Investment fund accounting

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Transfer Agent Services: Comprehensive transfer agent (agent transferowy) services for investment funds (TFI) and pension funds (PTE), including participant registries, fund operations, settlements, and reporting.
2. Fund Accounting: Bookkeeping services for open and closed-end investment funds, including accounting, NAV calculation, depositary reconciliation, and regulatory reporting.
3. IT Staffing/Body Leasing: IT specialist outsourcing including body leasing, team leasing, time & material, and fixed price models. Manages database of 10,000 IT experts.
4. Platform Services Commission: Platforma usług dodatkowych serves as intermediary between service providers and PKO Bank clients. Revenue from transaction processing and payment settlements.
5. PPK Administration: Employee Capital Plans (PPK) handling services for financial institutions via iPPK application and API REST.
6. IT Services: Cloud transformation, digital transformation, application development, and IT consulting/project management services.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

PKO Finat provides fund administration outsourcing (transfer agent services, fund accounting, and PPK/Employee Capital Plan administration) to investment fund companies (TFIs) and pension fund companies (PTEs), IT outsourcing and cloud transformation services to corporate clients, IT specialist body leasing with access to 10,000 experts, and operates the Platforma usług dodatkowych — a marketplace connecting third-party digital service providers with PKO Bank Polskiego customers. As part of the PKO Bank Polski Group, the company also distributes value-added consumer services (security, gift cards, e-accounting, mobile top-ups, highway tolls) through the iPKO and IKO channels.

Product overview

PKO Finat offers a comprehensive portfolio of financial technology services as part of the PKO Bank Polskiego Group. The core offering centers on fund industry services including transfer agent services (Usługi dla TFI), fund accounting (Księgowość funduszy), and PPK management. The company provides IT services including cloud transformation, digital transformation, application development, and IT advisory. The Platforma usług dodatkowych serves as a marketplace platform enabling third-party digital service providers to reach PKO Bank customers. Supporting services include IT staff outsourcing (Body Leasing) with access to 10,000+ specialists, and internet security (Bezpiecznie w Internecie). The consumer-facing portfolio includes the gamification app Kropka, gift cards, e-accounting, BIK reports, highway toll payments, and mobile top-ups, distributed through iPKO and IKO channels.

Differentiator

Problem solved

Functional benefit

Brands

• Kropka: Mobile application that combines gamification mechanics with a lottery, rewarding users for logging in, cashless purchases, and completing daily missions with points that translate into lottery entries for cash and material prizes.
• Bezpiecznie w Internecie
• Cloud Transformation
• Body Leasing
• e-Księgowość

Products and services

• Transfer Agent Services for TFI (Usługi dla TFI) Comprehensive transfer agent services for Polish investment fund companies (TFI), covering participant registries, distributor registries, settlement processing, regulatory reporting, and archive services.
• Fund Accounting (Księgowość funduszy) Accounting services for open and closed-end investment funds, including maintaining books of accounts, determining net asset value (NAV), reconciliation with depositaries, and investment limit control.
• PPK Management (PPK w PKO Finat) PPK (Employee Capital Plans) management tools and services for financial institutions and employers, including the iPPK internet application supporting both flat file transmission and API REST data exchange per PPK Working Group standards.
• Cloud Transformation Services Cloud migration and transformation services helping businesses move infrastructure to public, private, or hybrid cloud environments, including cloud readiness assessment, migration concept design, and ongoing cloud environment management with 24/7 SLA support and cost optimization.
• IT Services (Digital Transformation, Application Development, IT Advisory & Project Management) Custom IT services for enterprise clients covering digital transformation and business process automation, custom application design and deployment, and IT consulting and project management to guide technology decisions and project execution.
• Platforma usług dodatkowych (Additional Services Platform) Technology platform connecting third-party digital service providers with PKO Bank Polskiego customers, enabling sale of products and services through iPKO internet banking and IKO mobile app, handling purchasing, settlements, and payments between the bank and provider.
• Bezpiecznie w Internecie (Internet Security) Comprehensive internet security service protecting PKO Bank Polskiego retail customers from online threats, with F-Secure-powered payment protection, data protection, expert CyberPomoc hotline support, VPN privacy, encrypted password storage, antivirus, and child protection filters.
• Body Leasing / IT Staff Outsourcing IT specialist outsourcing service providing access to a database of 10,000 experts including project managers, IT directors, system analysts, programmers, testers, and banking/insurance consultants, with multiple engagement models (body leasing, team leasing, time & material, fixed price).
• Kropka Mobile App (Gamification & Lottery) Mobile gamification and lottery app rewarding users with points for logging in, making cashless purchases (verified via PSD2 open banking), and completing missions; points translate into lottery entries for cash and material prizes up to 150,000 PLN. Available to all smartphone users without requiring a PKO Bank Polskiego account.
• E-Księgowość (E-Accounting) Integrated finance and accounting service within iPKO electronic banking enabling invoicing, financial document management, document scanning, and Income and Expense Ledger (KPiR) management with VAT reporting and sales profitability analysis.
• Gift Cards (Karty podarunkowe) Digital gift card codes for entertainment platforms and services (Google Play, PlayStation, Xbox, Spotify, Nintendo, Microsoft), available within iPKO and IKO.
• BIK Reports & Alerts (Raporty i Alerty BIK) Credit bureau products distributed by PKO Finat, including BIK credit reports and BIK alerts with one year of darknet monitoring.
• Highway Toll Payments (Opłaty za autostrady) Automatic highway toll payment service for A1 (Toruń-Gdańsk) and A4 (Katowice-Kraków) sections via the IKO app.
• Mobile Top-ups (Doładowania telefonów) Online mobile phone top-up service for prepaid phones across Orange Polska, Polkomtel, T-Mobile Polska, Virgin Mobile, and Play networks.

Quantifiable outcome

• Net profit increased from 100 thousand PLN to 40 million PLN between 2010-2017 under former CEO Agnieszka Surmacka
• +1 more outcomes

Segments5 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

One partnership is on record.

• PKO Bank PolskiegoflagshipOthersPKO Finat is a wholly-owned subsidiary of PKO Bank Polskiego, Poland's largest financial institution. The company leverages PKO Bank's distribution channels (iPKO, IKO) and brand. Services include fund administration for the bank's operations and digital platform distribution.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• CGI Group: CGI is a global IT and business process services provider with strong financial-services credentials (UK/EU banks, asset managers) — competing with PKO Finat for IT outsourcing, cloud migration, and digital-banking platform contracts in Poland and the broader region.
• Atos Poland: Atos (now Eviden/OneSpan-era) provides IT services, cloud, and digital transformation to Polish banks and financial institutions — an established incumbent competing for the same IT outsourcing and cloud transformation contracts as PKO Finat.
• Capgemini Polska: Capgemini is a global IT services and consulting incumbent with a large Polish delivery footprint serving banks, asset managers, and insurers — competing for the same financial-sector IT transformation, cloud migration, and BPO mandates as PKO Finat but at much larger scale.
• Wipro: Wipro is a global IT services and BPO incumbent providing cloud, digital, and managed services to banks and financial institutions across Europe — competing with PKO Finat at the IT services and BPO layer for Polish and regional financial-sector clients.
• Accenture Poland: Accenture operates large financial-services consulting, IT, and outsourcing practices in Warsaw and Kraków, serving Polish banks and multinational financial clients — an incumbent alternative to PKO Finat for digital transformation, cloud, and managed services engagements.

Direct peers

• Luxoft (DXC Technology): Luxoft provides IT services and digital transformation to global banks and capital markets firms — directly comparable in cloud transformation, application development, and body-leasing services to financial institutions, the same core PKO Finat IT offering.
• Comarch: Comarch is a Polish-listed fintech/IT firm providing core banking, fund accounting, and IT outsourcing to banks, TFI, and insurance companies across Poland — directly overlapping with PKO Finat's transfer-agent, fund-accounting, and IT-services portfolio.
• ProService Finteco: ProService is one of Poland's largest dedicated fund-administration / transfer-agent service providers for investment funds, pension funds, and PPKs — a head-to-head competitor to PKO Finat in the TFI/PTE/PPK administration segment.
• Asseco Poland: Asseco Poland is the largest Polish IT services vendor serving banks and financial institutions with software, IT outsourcing, and integration services — a direct peer to PKO Finat's IT services, cloud transformation, and body-leasing offerings for the financial sector.

Emerging players

• EPAM Systems: EPAM is a global digital engineering and IT services firm with a meaningful Polish delivery base, increasingly serving financial-services clients — an emerging competitor in cloud, application development, and IT staffing work that overlaps with PKO Finat's IT services portfolio.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 PKO Finat