AgileFactor
AgileFactor is a privately held Portuguese SaaS company (founded 2015, ~11 employees) that builds the Truly platform for financial services digitalization, payment systems, loyalty programs, and customer intelligence, plus the BE4YOU predictive health platform, serving enterprises in Portugal.
- Company typePrivate
- Founded2015
- HeadquartersAlfragide, Amadora, Portugal
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
AgileFactor firmographics
Firmographics- Name
- AgileFactor
- Legal name
- AgileFactor, Lda.
- Website
- https://agilefactor.pt
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- AgileFactor is a privately held Portuguese SaaS company (founded 2015, ~11 employees) that builds the Truly platform for financial services digitalization, payment systems, loyalty programs, and customer intelligence, plus the BE4YOU predictive health platform, serving enterprises in Portugal.
- Ownership category
- akta.pro rank
AgileFactor industry classification
Industry- Product category
- Financial Services SaaS
- NAICS
- Software Publishers (5132)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Budgeting & Cash-Flow Management (FSAGADAA)
Keywords
Where AgileFactor is headquartered
LocationHeadquarters
- HQ city
- Alfragide, Amadora
- HQ country
- Portugal
- HQ region
- Europe
Offices1 record
Markets served
AgileFactor business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- SaaS Platform Subscription: Financial services platform delivered as SaaS with implementation, operational management, support, and integration services. Revenue derived from recurring platform subscriptions and associated implementation fees.
- Payment Systems Implementation: Implementation of payment systems including customer channels, merchant channels, and agent channels with payment equipment provisioning.
- API and Gateway Services: Payment APIs and gateways, integration APIs for loyalty programs and POS systems.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Custom enterprise SaaS solutions |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels3 records
AgileFactor product offering
Product offeringCore offering
AgileFactor builds and delivers the Truly SaaS platform for digitalization and mobility in financial services, covering payment systems (customer, merchant, and agent channels), payment gateways and APIs, communities and loyalty management with POS integration and personalized marketing, and customer intelligence (SMART KPIs, churn, lifetime value, recommendation systems). It also develops the BE4YOU predictive health and well-being platform targeting adults aged 45+, built on machine learning for individualized risk assessment and personalized monitoring.
Product overview
AgileFactor offers a SaaS-based suite of financial services technology, customer loyalty, and community management solutions. The core product is the Truly platform, which provides integrated digital financial services and mobility solutions for merchants and agents. The company also operates BE4YOU, a research project focused on predictive health and well-being analytics. All offerings are built on configurable, adaptable, and scalable cloud-native software, with APIs enabling third-party integrations.
Differentiator
Problem solved
Functional benefit
Brands
- Truly: Integrated service platform for digitalization and mobility in financial services for financial and non-financial entities. Includes Android and iOS apps, portal, and SMS/USSD services for end customers.
- BE4YOU
Products and services
- Truly Platform Integrated SaaS platform for digitalization and mobility in financial services, targeting financial and non-financial entities. Provides merchant and agent mobility solutions via an Android app with device protection, security registration, geolocation, and user authentication; end-customer services available through Android and iOS apps, a web portal, and SMS/USSD. Unites payment systems, loyalty/community management, and customer intelligence capabilities in a configurable cloud-native suite.
- Financial Services Payment Solutions SaaS-based implementation of payment systems covering customer channels, merchant channels, and agent channels, including payment gateways, APIs for third-party integration, and payment equipment provisioning. Designed for financial and non-financial entities modernizing their payment infrastructure.
- Communities and Loyalty Management SaaS module for loyalty programs, community management, and inter-partner compensation, with POS integration APIs, a mobile app, personalized marketing, and analytics. Targets merchants and commercial entities seeking to drive customer preference, repeat purchases, and increased customer lifetime value.
- Customer Intelligence Analytics SaaS module providing customer SMART KPIs, churn models and analysis, lifetime value analysis, upsell and cross-sell techniques, recommendation systems, targeting criteria for customer acquisition or reactivation, and communication optimization across channel, frequency, and timing. Built on internal machine learning capability.
- BE4YOU Predictive Health Platform Predictive platform for health and well-being state analysis targeting adults aged 45+. Provides individual risk assessment, personalized accompaniment and monitoring, access to a curated network of health providers (including laboratory analyses, nursing, nutrition, and mental health consultations), and a personalized community assistant driven by machine learning algorithms (regression, simulation, clustering, decision-tree, neural networks).
Quantifiable outcome
- Improved customer retention and lifetime value through loyalty programs and personalized communication
- +2 more outcomes
Companies that use AgileFactor
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
AgileFactor technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability6 records
Feature4 records
AgileFactor partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- INOVcoreTechnology partner for BE4YOU project providing technological expertise in platform development. INOV is a research and innovation entity contributing to the predictive health platform's technical infrastructure.
- Centro de Medicina Laboratorial Germano de SousacoreHealth services partner providing laboratory medicine services within the BE4YOU community. Contributes clinical diagnostics including laboratory analyses for health risk assessment and ongoing monitoring.
- Escola de Saúde da Universidade Atlântica (ESSATLA)coreHealth sciences academic partner contributing to BE4YOU health services design and validation. Provides nursing consultations (hypertension, diabetes), nutrition consultations, and mental health support services.
- Ribeiro SeguroscoreInsurance partner designing innovative insurance packages focused on disease prevention within the BE4YOU community. Contributes to risk assessment and wellness-oriented insurance products.
Scale indicators3 records
Recent moves4 records
Expansion highlights4 records
AgileFactor competitors and assessment
Company assessmentDirect peers
- Yotpo: Customer retention and loyalty SaaS combining reviews, SMS marketing, and personalized campaigns. Closely mirrors the integrated loyalty-plus-analytics proposition AgileFactor offers merchants on Truly.
- Smile.io: Loyalty and rewards platform for retailers and SMBs offering configurable points, referrals, and VIP programs. Comparable to AgileFactor's loyalty engine and merchant community functionality.
- Antavo: Enterprise loyalty SaaS platform offering community management, inter-partner compensation, and analytics APIs. Closely mirrors AgileFactor's Communities & Loyalty module in product architecture and target buyer (retail/financial services merchants).
- Optimove: Customer intelligence platform specializing in churn prediction, lifetime value analysis, and recommendation engines. Overlaps with AgileFactor's Customer Intelligence module's SMART KPIs, churn models, and targeting criteria capabilities.
- SIBS: Portuguese payment processor and financial services platform operator serving the same domestic financial and merchant ecosystem that AgileFactor's Truly platform targets. Directly comparable in payment gateway, merchant, and agent channel functionality within the same geography.
Broad incumbents
- Adyen: Global unified payments platform serving large enterprises with gateways, POS, and merchant mobility. Overlaps AgileFactor's payment systems and merchant channel capabilities but addresses far larger multi-national clients.
- Stripe: Developer-first global payments infrastructure with APIs and gateway services. Directly comparable to AgileFactor's API-first payment gateway model, but operating at vastly broader scale with both financial and non-financial entities.
Regional players
- Redsys: Spain's dominant payment processing platform serving banks and merchants. Comparable payment infrastructure and merchant mobility capabilities to Truly, but operating across the Spanish rather than Portuguese market.
Emerging players
- LoyalZoo: Lightweight customer loyalty SaaS for independent merchants, enabling punch cards, points, and POS integration. Closely resembles AgileFactor's SMB-facing loyalty offering in scale and configurability.
- Meiro: Customer data platform providing unified customer profiles, segmentation, and analytics APIs. Shares AgileFactor's API-first, customizable analytics approach to the same enterprise marketing audience.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
AgileFactor social profiles
Digital presenceAgileFactor financial estimates
Financial estimateRevenue estimate
Valuation estimate
AgileFactor leadership team
Management profileNumber of profiles
AgileFactor funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AgileFactor M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about AgileFactor
What does AgileFactor do?
AgileFactor builds and delivers the Truly SaaS platform for digitalization and mobility in financial services, covering payment systems (customer, merchant, and agent channels), payment gateways and APIs, communities and loyalty management with POS integration and personalized marketing, and customer intelligence (SMART KPIs, churn, lifetime value, recommendation systems). It also develops the BE4YOU predictive health and well-being platform targeting adults aged 45+, built on machine learning for individualized risk assessment and personalized monitoring.
Is AgileFactor a public or private company?
AgileFactor is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was AgileFactor founded?
AgileFactor was founded in 2015. It employs 11 to 50 people.
Where is AgileFactor based?
AgileFactor is headquartered in Alfragide, Amadora, Portugal, in the Europe region.
How does AgileFactor make money?
Three revenue lines are on record. SaaS Platform Subscription is the primary driver. The others are payment Systems Implementation and API and Gateway Services.
Who are AgileFactor's main competitors?
Direct peers on record are Yotpo, Smile.io, Antavo, Optimove and SIBS. Broad incumbents are Adyen and Stripe. Redsys is listed as a regional player. Emerging players are LoyalZoo and Meiro.
Does AgileFactor have an API?
Yes. APIs for payment processing, merchant services, and agent solutions. Integration APIs for POS systems, mobile applications, marketing personalization, and analytics. The Financial Services platform includes APIs and payment gateways. The Customer Intelligence module provides targeting criteria APIs for customer acquisition or reactivation.
What industry is AgileFactor in?
AgileFactor's product category is Financial Services SaaS. Its primary akta.pro industry code is FSAGADAA, Budgeting & Cash-Flow Management. Its NAICS code is 5132 and its SIC code is 7372.