Behsazan Farda

Name

Behsazan Farda

Legal name

Behsazan Farda (بهسازان فردا)

Website

https://behsazanfarda.ir

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Banking IT and Financial Technology Services

NAICS

Finance and Insurance (52), Depository Credit Intermediation (5221)

SIC

Finance Services (6199), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Technology, Software & IT Services (FSABACAJ)

akta.pro secondary industries

BaaS Platforms & Sponsor Bank Enablement (FSAGALAA), Customer Experience & Engagement (CRM, Support, Rewards, Loyalty) (FSAGAAAM), Neobank Core Platform (Retail/SME Digital Bank) (FSAGAAAA)

Keywords

• Core banking systems
• Payment processing services
• Electronic banking solutions
• Financial technology services
• Cybersecurity consulting

Headquarters

HQ city

Tehran

HQ country

Iran

HQ region

Middle East

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing Services: Revenue generated from electronic payment services including POS terminals, online payment gateways, and transaction processing through Behpardakht Mellat, one of Iran's leading PSPs with the highest market share in payment transactions.
2. IT Services & Software Development: Custom software development, system integration, and IT consulting services provided by multiple subsidiaries across banking, payment, and enterprise domains.
3. Banking System Management: Management and development of comprehensive banking systems (core banking) for Bank Mellat, including mobile banking platforms and digital banking services.
4. Landtech (Retail Lending) Platform: Revenue from the JetVam lending platform through loan facilitation fees, credit scoring services, and commission from partnered merchants on the JetMarket marketplace.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Behsazan Farda is the IT holding company of Bank Mellat providing end-to-end banking and financial technology solutions, including core banking systems, digital banking platforms, electronic payment processing (POS/ATM/online gateways via Behpardakht Mellat), supply chain financing, retail lending, tax compliance, cybersecurity, AI/data analytics, and domestically developed networking hardware. The group serves Iran's banking and financial sector primarily through Bank Mellat and other institutions, with distribution via thousands of POS terminals, mobile apps, and a 24/7 nationwide call center.

Product overview

Behsazan Farda (هلدینگ بهسازان فردا) is an IT holding company affiliated with Bank Mellat operating a multi-product portfolio across financial technology, payments, banking systems, tax compliance, cybersecurity, and AI-driven data analytics. The portfolio spans subsidiaries including Behpardakht Mellat (payment services), Behsazan Mellat (core banking and digital platforms), Shaghayegh (digital lending via JetVam, MegaBank mobile banking, push notifications), Yas Arghavani Industrial Engineering (data analytics, AI, business intelligence), Zirsakht-e-Amn (cybersecurity infrastructure, network automation, streaming via BMCast, secure internet, Rutisa router), Yas System (POS terminals, kiosks, fuel systems), and Vatoogh (trusted tax services via API). The products interconnect through shared infrastructure (customer management, authentication, analytics layers), with Pol-e-Vino serving as the group's innovation accelerator for emerging technologies including generative AI avatars.

Differentiator

Problem solved

Functional benefit

Brands

• Megabank (مگابانک): A bank-social platform by Bank Mellat developed by Shaghayegh Software, combining banking services with social messaging, serving over 3 million users.
• BMCAST (سامانه پخش آنلاین جلسات و رویدادها)
• SAMYAR (سامیار)
• JetVam (جت‌وام)
• Polwino (پل‌وینو)
• Vothoogh (وثوق)

Products and services

• Core Banking & Digital Banking Platform (پلتفرم بانکداری دیجیتال) Intelligent digital banking platform developed by Behsazan Mellat encompassing core banking systems on mainframe environments, digital channels, and satellite systems (Moheet, Namachak, Sohim, Moeen) for Bank Mellat's nationwide operations.
• Behpardakht Mellat Payment Services (به‌پرداخت ملت) Electronic payment services including POS terminals, online payment gateways, and transaction processing through Behpardakht Mellat, one of Iran's leading PSPs with official licensing from the Central Bank of Iran and Shaparak, holding one of the highest market shares in payment transactions.
• MegaBank (مگابانک)
• JetVam Lendtech Platform (جت‌وام) Digital lending platform developed by Shaghayegh offering instant retail credit up to 50 million tomans processed in approximately 10 minutes against an electronic Cyad check. Includes an integrated marketplace (JetMarket) and a customer loyalty club. Loan facilitation of approximately 300 billion Tomans to ~6,000 users.
• Samiyar Supply Chain Financing Platform (سامیار) Supply chain financing platform developed by Behsazan Mellat for Bank Mellat, facilitating buyer-seller interactions, credit assessment, and financial tool issuance within supply chains. Provides transparency, speed, and reduced financing costs for businesses.
• Vatoogh Trusted Tax Services (وثوق) Trusted tax service provider (TSP) platform affiliated with Behsazan Farda, offering electronic invoicing to the Iranian Tax Authority, taxpayer registration, tax return filing, and Article 100 tax advisory services. Accessible via web portal, mobile app, Android POS software, and API (web service) with 24-hour support.
• BMCAST Streaming Platform (سامانه پخش آنلاین جلسات و رویدادها) Online session and event streaming platform developed by Zirsakht-e-Amn for organizations with distributed branch networks. Operates independently of third-party platforms, supports low-bandwidth environments with distributed architecture, and provides secure, private video conferencing.
• RootiSaa Indigenous Router (روتر بومی رویتیسا) Domestically developed network router developed by Secure Transaction Infrastructure Company (Zirsakht-e-Amn), serving as a locally-manufactured alternative to imported networking equipment. Awarded 'Best Product' at the 11th Iran Transaction Exhibition.
• Secure Internet Service (اینترنت امن) Proxy-based secure internet gateway service by Zirsakht-e-Amn performing real-time content inspection and antivirus scanning of incoming traffic, blocking malicious files and executables before they reach end-user systems.
• Cyber Threat Intelligence Service (CTI / هوش تهدید) Cybersecurity intelligence service by Zirsakht-e-Amn that proactively identifies organizational vulnerabilities and threats, including cross-border threat detection, to prevent security incidents before they occur.
• Network Automation Software (اتوماسیون شبکه) Network configuration automation software by Zirsakht-e-Amn that enables administrators to manage and reconfigure network devices across distributed enterprise environments from a central system, reducing manual errors and operational time.
• Micro Kiosk (میکرو کیوسک) Compact self-service kiosk terminal developed by the Behsazan Farda ecosystem for card-based and digital payments at merchant locations.
• AI Customer Service Avatars (انسان‌های دیجیتال) AI-powered digital human agents developed via the Pol-e-Vino Innovation Center, combining speech, text, and visual modalities for customer service and sales interactions.
• Data Analytics & Business Intelligence (تحلیل داده و هوش کسب‌وکار) Data analytics and business intelligence services provided by Yas Arghavani Industrial Engineering, including data infrastructure setup, customer churn prediction using recurrent neural networks, and decision-support consulting for Bank Mellat and government organizations.
• Security Operations Center / SOC (مرکز عملیات امنیت) Cybersecurity consulting and advisory services by Zirsakht-e-Amn for architecture, design, implementation, and operation of Security Operations Centers for organizations and enterprises.
• Push Notification Service (پوش‌نوتیفیکیشن) Multi-media push notification service by Shaghayegh supporting text, image, audio, and video notifications via a management panel, enabling segmented and personalized customer communication as an alternative to SMS-based alerts.
• Setad Transparency Platform (پلتفرم ستاد) Transparency platform developed and managed by Behsazan Mellat to create public transparency and enable citizens to benefit from its outputs, serving as a national-level digital platform.
• MagaPay Mobile Payment App (مگاپی) Mobile payment application offered by the Behsazan Farda ecosystem for digital payments and financial transactions.
• Sepid Mobile Payment App (سکه) Mobile payment application offered by Behpardakht Mellat for digital payment services.
• 24/7 Contact Center & Help Desk (مرکز تماس) 24/7 nationwide customer contact center operated by Shaghayegh, supporting Bank Mellat customers with the unified number 30900.

Quantifiable outcome

• 3+ million active users on the MegaBank platform
• +4 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability10 records

Feature8 records

Scale indicators10 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Backbase: Digital banking SaaS vendor focused on engagement banking platforms. Comparable to MegaBank and the Behsazan Mellat digital banking platform offering for Bank Mellat.
• Network International: UAE-based payment processor serving the Middle East and Africa with card acquiring, processing, and fintech services. Closest geographic and functional peer to Behpardakht Mellat's PSP franchise in Iran.
• Temenos: Swiss-listed vendor of core banking and digital banking platforms used by banks worldwide. Highly comparable to Behsazan Mellat's core banking and digital banking platform business serving Bank Mellat and Iranian banks.
• ACI Worldwide: US-listed real-time electronic payment software provider for banks, intermediaries, and merchants. Direct functional peer to Behpardakht Mellat and the group's payment-switch capabilities.
• Diebold Nixdorf: Provider of ATMs, POS systems, and related banking software. Direct peer in the POS/ATM hardware and software stack underpinning Iranian retail payments.
• NCR Corporation: Global provider of ATM, POS, and digital banking software/hardware. Direct peer to Yas System's POS terminals, Micro Kiosk, and Behpardakht Mellat's payment-acquiring infrastructure.

Emerging players

• Mambu: Cloud-native core banking and BaaS platform used by neobanks and digital lenders. Comparable emerging peer to JetVam's lendtech stack and the group's cloud-style banking-system modernization efforts.

Broad incumbents

• Fiserv: US-headquartered global provider of payments, core banking, and merchant services. Comparable broad incumbent to Behsazan Farda's combined core banking + merchant acquiring + digital banking portfolio.
• FIS: Global banking technology provider spanning core processing, capital markets, and payments. Comparable broad incumbent across the holding's portfolio of banking and capital-markets-adjacent IT services.
• Jack Henry & Associates: US provider of core banking, payments, and digital banking technology to community and regional banks. Comparable as a multi-subsidiary banking-IT platform serving a captive US bank base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/behsazanfarda

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries15 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 Behsazan Farda