agilefactor, lda
- Company typePrivate
- Founded2015
- HeadquartersAmadora, Portugal
- Headcount—
- GTM typeB2B
- OfferingSoftware
What agilefactor, lda does
AgileFactor, Lda. is a Portuguese private limited company founded in 2015 and headquartered in Alfragide, Amadora. The company develops and operates cloud-based SaaS platforms built and maintained by its internal engineering teams, with its anchor product being the Truly platform — an integrated suite for financial services digitalization that covers payment system implementation, customer/merchant/agent channels, third-party integrations, payment APIs and gateways, and mobility solutions delivered via Android/iOS apps, web portal, and SMS/USSD channels. Beyond financial services, AgileFactor offers Communities and Loyalty SaaS (loyalty programs, community management, inter-partner compensation, POS integration) and Customer Intelligence services (churn modeling, lifetime value analysis, upsell/cross-sell, recommendation systems, and targeting criteria). The technology stack is Java-based with Android mobile applications, REST/SOAP web services, and machine learning applied to customer analytics.
The company operates an enterprise-focused, sales-led go-to-market with quote-based annual subscriptions and custom implementations for financial institutions, merchants, and commercial enterprises in Portugal. Recurring SaaS subscriptions form the primary revenue model, supplemented by custom software development projects. In December 2021, AgileFactor launched the BE4YOU research project — a predictive health and well-being platform targeting adults aged 45+ — co-financed by the European Union (FEDER) under Portugal 2020, with a consortium that includes INOV (technology), Germano de Sousa Medical Laboratories, Universidade Atlântica School of Health, and Ribeiro Seguros. AgileFactor is privately held with no disclosed external institutional investors and no named enterprise customer logos or revenue figures in the public record.
agilefactor, lda firmographics
Firmographics- Name
- agilefactor, lda
- Legal name
- AgileFactor, Lda.
- Website
- https://agilefactor.pt
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Ownership category
- akta.pro rank
agilefactor, lda industry classification
Industry- Product category
- Financial Services SaaS Platform
- NAICS
- Software Publishers (513210), Custom Computer Programming Services (541511), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming Services (7371), Services-Computer Integrated Systems Design (7373)
- akta.pro primary industry
- Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)
- akta.pro secondary industry
- iBPMS (Intelligent BPM Suites) & Process Automation Suites (HDAEAHAG)
Keywords
Where agilefactor, lda is headquartered
LocationHeadquarters
- HQ city
- Amadora
- HQ country
- Portugal
- HQ region
- Europe
Offices1 record
Markets served
agilefactor, lda business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales
Revenue model
- SaaS Platform for Financial Services: Subscription-based SaaS platform for financial services including payment systems, customer/merchant/agent channels, operation management, and third-party integrations.
- Community and Loyalty Programs: Implementation of loyalty programs, community management, and inter-partner compensation with integration APIs.
- Customer Intelligence Services: Analytics services including SMART KPIs, churn models, LTV analysis, upsell/cross-sell, recommendation systems, and communication optimization.
- Custom Software Development Projects: Cloud-based web software development projects in strategic areas of interest for clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Custom enterprise pricing based on client requirements |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels3 records
agilefactor, lda product offering
Product offeringCore offering
AgileFactor develops and operates the Truly SaaS platform, an integrated services suite for digitization and mobility in financial services for both financial and non-financial entities. The platform delivers payment systems implementation (customer, merchant, and agent channels), loyalty and community management with inter-partner compensation, and customer intelligence capabilities including churn models, lifetime value analysis, upsell/cross-sell techniques, and recommendation systems. End-customer access is provided via Android/iOS apps, web portal, and SMS/USSD channels.
Product overview
AgileFactor, Lda. offers a SaaS-based technology platform comprising multiple integrated service offerings: the Truly platform (core product) for financial services digitalization and mobility with Android/iOS apps, web portal, and SMS/USSD channels; Financial Services (payment systems implementation with APIs and gateways); Communities and Loyalty (loyalty programs, community management, and rewards); Customer Intelligence (predictive analytics including churn models, lifetime value analysis, and recommendation systems); and Software Projects (custom cloud-based web development). The Truly platform serves as the primary product, while the research project BE4YOU focuses on predictive health and well-being monitoring.
Differentiator
Problem solved
Functional benefit
Products and services
- Truly Platform Integrated SaaS platform for digitalization and mobility in financial services for both financial and non-financial entities. Provides mobile solutions for merchants and financial agents via an Android app with device protection and user authentication; end-customer services available via Android/iOS apps, Portal, and SMS/USSD; and community management, loyalty, and reward solutions for personalized customer communication.
- BE4YOU Predictive Health Platform Predictive platform for health and well-being analysis that collects individual data, calculates health risk indicators, and provides personalized monitoring, wellness plans, and a personalized assistant for adults aged 45+, delivered through the be4you.agilefactor.pt portal.
- Financial Services Payment Systems SaaS service offering for implementation of payment systems including customer, merchant, and agent channels; operation management and support; integration with third-party systems; payment APIs and gateways; and payment equipment.
- Communities and Loyalty SaaS service offering for implementation of loyalty programs, community management, and inter-partner compensation, including POS integration APIs, mobile app, personalized marketing, and analytics.
- Customer Intelligence SaaS service offering delivering SMART customer 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 (channel, frequency, timing).
- Software Projects Software development projects for cloud-based web environments in strategic areas of interest, built and maintained by internal AgileFactor teams.
Companies that use agilefactor, lda
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles3 records
agilefactor, lda technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability6 records
Feature5 records
agilefactor, lda partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- INOVcoreTechnology partner for BE4YOU research project. INOV provides technological expertise for the predictive health and well-being analysis platform development, co-funded by Portugal 2020.
- Centro de Medicina Laboratorial Germano de SousacoreCopromoter of BE4YOU project providing laboratory medicine services. Conducts laboratory analyses when necessary and according to calculated risk profiles for participant health assessment.
- Escola de Saúde da Universidade AtlânticacoreCopromoter of BE4YOU project providing health and well-being services. Delivers health and wellness consultations including nursing consultations for hypertension and diabetes, nutrition consultations, and mental health support.
- Ribeiro SeguroscoreCopromoter of BE4YOU project contributing to design of innovative insurance packages focused on disease prevention. Brings insurance expertise to the predictive health platform ecosystem.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
agilefactor, lda competitors and assessment
Company assessmentBroad incumbents
- Stripe: Global payment processing platform offering APIs, gateways, and merchant services. Comparable to AgileFactor's Truly platform in payment APIs and gateway functionality, but Stripe operates at vastly larger scale with global reach, while AgileFactor focuses on integrated mobility and agent-channel solutions for financial entities.
- Adyen: European-headquartered global payment platform serving enterprise merchants with unified commerce, acquiring, and payment processing. Comparable to AgileFactor on payment systems implementation and merchant channel management, though Adyen targets large global enterprises versus AgileFactor's mid-market and regional focus.
- Worldline: European payment services provider with merchant acquiring, payment gateways, and financial services digitization offerings. Directly comparable to AgileFactor's financial services payment systems and merchant channel solutions, but at much larger scale across multiple European markets.
- Salesforce: Global CRM and customer intelligence platform with extensive analytics, AI-driven insights (Einstein), and loyalty management capabilities. Comparable to AgileFactor's Customer Intelligence offerings (churn models, LTV, recommendation systems), though Salesforce operates as a broad incumbent across many use cases.
Direct peers
- Feedzai: Portuguese-founded fintech specializing in fraud detection and risk decisioning for financial institutions using ML. Directly comparable as a Portuguese fintech building SaaS platforms with ML/predictive capabilities for enterprise financial clients, though Feedzai focuses narrowly on risk vs AgileFactor's broader payments/loyalty/intelligence portfolio.
- Antavo: Loyalty platform SaaS provider for enterprise retailers and brands, offering loyalty program management, API integrations, and customer engagement analytics. Directly comparable to AgileFactor's Communities & Loyalty offering, with similar enterprise SaaS model and POS/mobile integration approach.
- Yotpo: SaaS platform for e-commerce loyalty, reviews, SMS marketing, and customer intelligence. Comparable to AgileFactor's Communities & Loyalty and Customer Intelligence products in customer retention and engagement analytics for merchants.
Regional players
- SIBS: Portuguese payment processor operating MULTIBANCO network and payment processing services. Comparable as a regional player in Portuguese payment infrastructure serving financial institutions, though SIBS is much larger and focused on core acquiring vs AgileFactor's broader mobility and multi-channel approach.
- Pagaqui: Portuguese mobile payment and merchant solutions provider focused on agent-based payment channels. Comparable to AgileFactor's Truly platform's merchant mobility and agent financial services components, particularly in serving Portuguese SMB merchants and agents.
- Talkdesk: Portuguese-founded enterprise cloud contact center platform. Comparable as a Portuguese enterprise SaaS company that scaled from local roots to global presence, providing a benchmark for AgileFactor's potential trajectory though in a different vertical.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
agilefactor, lda social profiles
Digital presenceagilefactor, lda financial estimates
Financial estimateRevenue estimate
Valuation estimate
agilefactor, lda leadership team
Management profileNumber of profiles
agilefactor, lda funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
agilefactor, lda 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, lda
What does agilefactor, lda do?
AgileFactor develops and operates the Truly SaaS platform, an integrated services suite for digitization and mobility in financial services for both financial and non-financial entities. The platform delivers payment systems implementation (customer, merchant, and agent channels), loyalty and community management with inter-partner compensation, and customer intelligence capabilities including churn models, lifetime value analysis, upsell/cross-sell techniques, and recommendation systems. End-customer access is provided via Android/iOS apps, web portal, and SMS/USSD channels.
Is agilefactor, lda a public or private company?
agilefactor, lda is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was agilefactor, lda founded?
agilefactor, lda was founded in 2015.
Where is agilefactor, lda based?
agilefactor, lda is headquartered in Amadora, Portugal, in the Europe region.
How does agilefactor, lda make money?
Four revenue lines are on record. SaaS Platform for Financial Services are the primary driver. The others are community and Loyalty Programs, customer Intelligence Services and custom Software Development Projects.
Who are agilefactor, lda's main competitors?
Broad incumbents on record are Stripe, Adyen, Worldline and Salesforce. Direct peers are Feedzai, Antavo and Yotpo. Regional players are SIBS, Pagaqui and Talkdesk.
Does agilefactor, lda have an API?
Yes. AgileFactor offers APIs for integration with payment systems, including payment gateways and payment channels. Additionally, APIs are available for POS integration. These APIs enable connectivity with third-party systems and support the Truly platform's financial services functionality including merchant services, agent financial services, and end-customer access.
What industry is agilefactor, lda in?
agilefactor, lda's product category is Financial Services SaaS Platform. Its primary akta.pro industry code is FSAMABAF, Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management), with a secondary code of HDAEAHAG, iBPMS (Intelligent BPM Suites) & Process Automation Suites. Its NAICS code is 513210 and its SIC code is 7372.