SOC 2B INFORMATIQUE

What SOC 2B INFORMATIQUE does

2BI (Business Integration and Business Intelligence DOO), headquartered in Podgorica, Montenegro, is a privately held IT services and fintech company founded in 2006 by Ivan Vučinić, Željko Đukanović, and Ivan Bulatović. The company operates two intertwined business lines: enterprise IT services (managed IT support, cloud, security, backup, mail, DevOps, monitoring, and custom software development) delivered to over 200 Montenegrin clients, and consumer fintech anchored by the Digitalni Kiosk mobile application, which had 60,000+ active users and 120,000+ downloads as of the latest reported period. The company is privately held by three co-founders with no external funding reported, and serves clients across banking (CKB Bank, NLB Bank, Prva Banka Crne Gore, Erste, Hipotekarna), government (Ministry of Defence Montenegro, UNDP Montenegro), and enterprise (Carlsberg Montenegro, Toyota Montenegro, Renault Montenegro, Idea, Carine Hotels).

The company's product portfolio includes proprietary solutions built on established platforms: 2BI Monitoring (CheckMK-based), 2BI Security (integrating Active Directory, VPN with MFA, Trend Micro Endpoint Protection, and File Integrity Monitoring), 2BI Cloud (centralized workspace with secure backup, real-time collaboration, and a built-in AI assistant), and DevOps services spanning AWS, Azure, and Google Cloud. On the fintech side, Digitalni Kiosk connects to Montenegrin banks through APIs licensed under PSD2, enabling bill payments, mobile top-ups, parking, and transfers. In April 2026, 2BI operationalized its Digital Payment Institution license from the Central Bank of Montenegro (CBCG), formally providing AIS and PISP services initially to clients of five major banks. Additional consumer products include MeteoCG (a meteorological app using the WRF-ARW atmospheric model with ML refinement) and a white-label Cosmetics shopping app for partner MPM (320k+ downloads, 150k registered users).

Revenue is generated through four streams: managed IT services with Fixed (subscription), Variable (hybrid), and Hourly (usage-based) pricing models; custom software development billed per project; fintech transaction fees through Digitalni Kiosk (free to users, monetized on service provider side); and recurring printer rental subscriptions. The company markets through its corporate website, LinkedIn, iOS App Store, Google Play, and EU co-financed project visibility. Strategic intent centers on transitioning from a pure IT outsourcing firm into a regulated fintech player, evidenced by dedicated Fintech Director and Fintech Risk roles, the EU-funded SmartMatch Adria cross-border investment matching platform (June 2026), and the Cashica loyalty program launched in 2026.

Name

SOC 2B INFORMATIQUE

Legal name

Business Integration and Business Intelligence DOO

Website

https://2bi.me

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

2BI is a Montenegro-based IT services and fintech company founded in 2006, serving over 200 enterprise clients with managed IT support, security, cloud, and DevOps, and operating the licensed Digitalni Kiosk mobile payment app with 60,000+ users.

Ownership category

akta.pro rank

Product category

IT Managed Services and Fintech

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computer Systems Design and Related Services (54151), Security Systems Services (except Locksmiths) (561621)

SIC

Finance Services (6199)

akta.pro primary industry

Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC)

akta.pro secondary industries

SME & Business Cross-Border Payments (B2B) (FSAMAIAB), B2B/EDI & Partner Integration (BPAMAOAJ)

Keywords

• IT infrastructure services
• Digital payment institution
• Mobile payment applications
• IT support outsourcing
• Fintech software development

Headquarters

HQ city

Brenat

HQ country

France

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, Supply Chain

Revenue model

1. IT Services and Consulting: Comprehensive IT services including IT support (maintenance, monitoring, security), mail systems, backup servers, cloud solutions, DevOps, and software development. Delivered through enterprise engagements with monthly/annual contracts or project-based engagements.
2. Fintech Transaction Fees (Digitalni Kiosk): Digital Payment Institution enabling digital payments and fund transfers. Revenue generated through transaction fees on payments processed through the platform. Card payments without fees for users; the company earns fees from service providers and potentially takes a percentage of transactions.
3. Custom Software Development: Customized software solutions development for clients, covering the full development lifecycle from concept through deployment. Project-based pricing.
4. Printer Rental Services: Flexible rental of modern printing devices with full maintenance, supplies (paper, toner), and real-time monitoring included.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

2BI (Business Integration & Business Intelligence) is a Montenegro-based IT services and fintech company. It delivers IT infrastructure, managed support, security, cloud, DevOps, and custom software development to enterprises, while operating the Digitalni Kiosk mobile payment application backed by a PSD2-licensed Digital Payment Institution for consumer payments.

Product overview

2BI operates as a platform-plus-modules IT company offering both fintech products and IT services. The core fintech offering is the Digitalni Kiosk mobile application (the first digital wallet in Montenegro) powered by the licensed Digital Payment Institution providing AIS/PISP services under PSD2. Supporting fintech features include the Cashica loyalty program. The company also offers a comprehensive suite of IT services/modules: 2BI Security, 2BI.IO Mail, Backup Server, 2BI Cloud (with AI assistant), 2BI Monitoring (CheckMK-based), DevOps (AWS/Azure/GCP), Software Development, IT Support (with Fixed/Variable/Hourly models), and Printing Rental. Additionally, 2BI develops branded applications including MeteoCG (weather forecasting with ML) and the Cosmetics shopping app. The SmartMatch Adria platform (EU-funded Embrace project) represents an emerging AI-powered investment matching service.

Differentiator

Problem solved

Functional benefit

Products and services

• Digitalni Kiosk Mobile payment application serving as Montenegro's first digital wallet, enabling fast, secure payments for utilities, parking, mobile top-ups, insurance, and other services through a single interface; the central product of the licensed Digital Payment Institution (AIS/PISP).
• Digitalna Platna Institucija (Digital Payment Institution) Licensed Digital Payment Institution authorized by the Central Bank of Montenegro (CBCG) providing AIS and PISP services under PSD2 regulation, enabling secure bank connectivity and everyday payment execution.
• MeteoCG Meteorological application providing weather forecasts using GFS NCEP model data with WRF-ARW atmospheric simulation and machine learning refinement, with professional meteorologist oversight.
• Cosmetics Mobile Application Mobile shopping application for MPM Cosmetics enabling product browsing, purchasing, Beauty Friend loyalty program integration, order tracking, and real-time inventory updates.
• IT Support Comprehensive IT support including workstation maintenance, network device administration (L2/L3 switches, access points), server management, and firewall systems with proactive issue detection; offered under Fixed, Variable, and Hourly cooperation models.
• 2BI.IO Mail Professional email solution with Webmail access, IMAP/SMTP synchronization, advanced spam/phishing protection with antivirus, TLS/SSL encryption, autoresponders, and local technical support.
• Backup Server Centralized file and backup server with multi-disk storage, automatic daily backups, Anti-Crypto Backup against ransomware, VPN functionality for secure remote access, and easy capacity expansion.
• 2BI Cloud Centralized cloud work environment enabling secure file backup/sync, chat/calls/video conferencing, calendar/contacts/email management, real-time document collaboration, and built-in AI assistant for information retrieval.
• 2BI Security Comprehensive security solution integrating Active Directory for user access management, VPN with multi-factor authentication, Trend Micro endpoint protection, File Integrity Monitoring, and cloud data protection.
• 2BI Monitoring IT infrastructure monitoring based on CheckMK platform providing real-time visibility into server performance, network equipment, and application services with automated alerts and reporting.
• DevOps Services DevOps services covering AWS, Azure, and Google Cloud integration with process automation, CI/CD implementation, and scalable infrastructure management.
• Software Development Custom software development services for web and mobile applications using modern technologies and agile methodologies, with full lifecycle support from concept through deployment.
• Printing Rental Printer rental services with modern devices tailored to business needs, including full maintenance, paper/toner supply, and real-time monitoring to prevent downtime.

Quantifiable outcome

• 60,000+ active users on Digitalni Kiosk app with continuous growth
• +6 more outcomes

Named customers12 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability6 records

Feature6 records

Partnerships

Eight partnerships are on record, tiered core.

• Poduzetnički accelerator Split d.o.o.coreStrategic or Co-development Partner · 1 June 2026Lead partner in SmartMatch Adria (AIMATCH) project co-financed by EU Interreg Croatia-Bosnia and Herzegovina-Montenegro Programme. Total project budget EUR 227,156.35 with EUR 193,082.90 EU co-financing. Project duration June 2026 - May 2027. Poduzetnički accelerator Split provides M&A business logic and market coordination.
• ENERGOCONTROL-ING d.o.o.coreStrategic or Co-development Partner · 1 June 2026Project partner in SmartMatch Adria (AIMATCH) EU Interreg project. Provides business logic in the energy sector and ground truth validation for physical assets. Contributes to building trust between investors and sellers at cross-border level.
• CKB BankcoreTechnology or IntegrationPrimary banking partner for Digitalni Kiosk Digital Payment Institution services. CKB is one of the first banks integrated for AIS/PISP services. 2BI has also implemented IT infrastructure for CKB including network implementation and ATM network systems.
• NLB BankcoreTechnology or IntegrationBanking partner for Digitalni Kiosk services. 2BI has implemented ATM network system for NLB Bank achieving 100% availability.
• Erste BankcoreTechnology or IntegrationBanking partner for Digitalni Kiosk Digital Payment Institution services in initial launch phase.
• Hipotekarna BankacoreTechnology or IntegrationBanking partner for Digitalni Kiosk Digital Payment Institution services in initial launch phase.
• Prva Banka Crne GorecoreTechnology or IntegrationBanking partner for Digitalni Kiosk services. 2BI has designed and implemented data center for Prva Banka.
• Central Bank of Montenegro (CBCG)coreOthersRegulatory authority that granted 2BI official Digital Payment Institution license for providing AIS and PISP services under PSD2 regulation.

Scale indicators9 records

Recent moves10 records

Expansion highlights5 records

Emerging players

• Salt Edge: PSD2-compliant open-banking API platform enabling AIS/PISP connections between banks and third parties — directly relevant to 2BI's Digital Payment Institution as a potential partner or competing infrastructure layer.

Direct peers

• Lanaco: Bosnia and Herzegovina-based IT services and software company serving banks, telecoms and government — directly comparable to 2BI's enterprise IT services customer base and delivery model in the same regional context.
• Aircash: Croatian-licensed digital wallet and payment institution serving the Western Balkans with bill payment, P2P transfers and merchant acquiring — the closest geographic and product parallel to 2BI's Digitalni Kiosk.
• Saga (Saga d.o.o.): Croatian IT services firm specializing in infrastructure, managed services and custom software for enterprise and public-sector clients — a regional peer with a similar IT-services-plus-products positioning to 2BI.

Broad incumbents

• Endava: Global IT services company with SEE roots and significant presence in Romania, Bulgaria and the Balkans — comparable on the enterprise IT services and custom development side, though at vastly larger scale.
• Tink (Visa): European open-banking platform owned by Visa providing PSD2 AIS/PISP APIs — comparable at the infrastructure layer to 2BI's licensed DPI offering and a likely competitor or partner for any cross-border expansion.
• ASEE Group: Large SEE IT services and banking-software vendor operating across the Balkans with deep bank-software relationships; broader portfolio but overlapping customers and capability stack to 2BI's IT services business.
• Comtrade: Slovenia-headquartered IT services and software group with deep SEE presence in banking and enterprise software — a broader incumbent comparable to 2BI's enterprise IT and banking infrastructure business.

Regional players

• m:tel: Montenegrin mobile operator with digital payment and recharge services integrated with 2BI's Digitalni Kiosk — a regional payments peer that overlaps on consumer mobile top-ups and bill payment.
• Crnogorski Telekom: Incumbent Montenegrin telecom operator with mobile money and digital wallet services — the most likely domestic competitor to 2BI's Digitalni Kiosk in mobile top-ups and consumer payments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/bussiness-integration-&-bussiness-intelligence--2bi

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 SOC 2B INFORMATIQUE