Linktera is a global technology, fintech, regtech, and AI-driven consulting company.

6+

Locations

Serving clients across multiple regions with local insights and global standards.

350+

Our Team

A fast-growing team of tech, finance, and innovation experts.

Linktera's entrepreneurial spirit produces software-oriented Product Development & Technology Solutions.

2000 +

Projects Delivered

Over 2000 custom projects across finance, retail, energy, telecom, public services, and more have been tailored to each client’s needs.

15+

Years of Trusted Partnerships
We build long-term collaborations that grow businesses.

6+

Locations

Serving clients across multiple regions with local insights and global standards.

300+

Our Team

A fast-growing team of tech, finance, and innovation experts.

Linktera's entrepreneurial spirit produces software-oriented Product Development & Technology Solutions.

+10

Years of Trusted Partnerships

We build long-term collaborations that grow businesses.

1500 +

Projects Delivered

Over 1,500 custom projects across finance, retail, energy, telecom, public services, and more have been tailored to each client’s needs.

Our Services

Linktera delivers advanced solutions across fintech and regtech, covering risk management, regulatory reporting, intelligent automation, data analytics, and artificial intelligence.

Through its innovation hub, Linktera Labs, the company develops products tailored to accelerate digital transformation and address the unique needs of the financial industry.

Our References

Our collaborations with leading banks, insurance companies, and financial institutions reflect our commitment to high standards of security, efficiency, and digital transformation tailored specifically for the finance sector.

Beyond finance, we deliver impactful solutions across a wide range of industries—from manufacturing to retail, education to public services—adding value to every organization’s digital journey.

Ready to transform your future?

Partner with Linktera to design secure, scalable digital systems that power agility, resilience, and long-term growth.

Our Locations, Worldwide

Our global footprint enables us to serve clients across regions with deep local insight and international expertise.

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Payify is a mobile banking enhancement platform that enables financial institutions to deliver faster, more secure, and highly personalized digital experiences. By seamlessly integrating into existing banking infrastructures, it enhances user journeys with intuitive interfaces, advanced payment capabilities, and customizable features that improve customer engagement and satisfaction. With its flexible and scalable architecture, Payify allows institutions to rapidly adapt to evolving customer expectations while maintaining high security and performance standards. Its modular structure supports quick deployment, cost efficiency, and continuous innovation, helping banks accelerate digital transformation and stay competitive in a dynamic financial ecosystem.

It is a comprehensive reporting solution that enables financial institutions to manage all regulatory and internal control reports on a single platform. By centralizing data, processes, and workflows, BRM ensures consistency, accuracy, and compliance while creating a single source of truth that eliminates discrepancies and reduces operational risk. With its scalable and flexible architecture, BRM supports end-to-end reporting lifecycle management — from data collection and validation to report generation and submission. Built-in controls, automation, and seamless integration with risk and analytics systems enhance efficiency, ensure transparency, and help institutions quickly adapt to evolving regulatory requirements.

SpineX is a treasury management solution designed to enhance speed, agility, and collaboration across financial institutions. By centralizing treasury processes on a single platform, it streamlines communication between departments and enables real-time access to critical financial data, supporting faster and more informed decision-making. With its flexible and scalable architecture, SpineX adapts to evolving business needs and modern working environments, including remote and hybrid models. It improves operational efficiency through automation, strengthens visibility and control over treasury activities, and empowers institutions to manage liquidity, risk, and cash flow more effectively.

Credit Boost is a high-performance AI Decision Support Tool and scoring solution tailored for Retail, Micro, and SME segments. Its flexible No-Code architecture automates critical decisions such as approvals, limits, collateral, and maturity through dynamic decision trees, while maximizing collection performance via automated credit bureau (KKB) data parsing, actionable advanced reporting, and AI-based NPL management. Empowered by a field-proven, ready-to-use AI score trained on big data, it accelerates your risk decisions and ensures reliability across your portfolio.

RateLink is an integrated platform designed to optimize risk assessment processes for financial institutions from end-to-end, consolidating powerful calculation modules such as Application, Parent Company Support, Override, and Behavioral Rating under a single roof. By analyzing customer risk profiles with a multi-dimensional approach, the system empowers you to make data-driven strategic decisions and execute top-level risk management through dynamic dashboards for real-time portfolio monitoring and transparent detailed reports that drill down to the sub-parameters of calculated scores.

Tera9 is an advanced platform designed to deliver fast, flexible, and reliable IFRS 9 ECL calculations. Built on a robust Python infrastructure with a modern Java-based interface, it enables seamless integration while offering comprehensive scenario and metric simulations, individual assessments, and detailed reporting. All scenario and metric changes are automatically stored in DWH systems, ensuring a complete historical audit trail. With role-based access, a maker-checker framework, and full audit capabilities, Tera9 provides end-to-end regulatory compliance and makes IFRS 9 processes more transparent, controlled, and efficient. The solution has already been successfully implemented in both domestic and international banks of all sizes.

CreditLink is an AI-powered decision and scoring tool designed to transform personal loan approvals. It enables financial institutions to evaluate risk, streamline lending decisions, and optimize scoring with unprecedented accuracy making smarter lending decisions easier than ever.

SalesForecast is an AI-driven forecasting platform designed to predict future sales volumes and associated cash flows with high precision. By analyzing historical performance data, seasonality effects, and market trends within a holistic model, the system eliminates uncertainty in inventory management, budgeting, and strategic resource planning processes, enabling you to achieve data-driven and profitable growth targets.

Data Anomaly Tracker (DAT) analyzes your data universe with a holistic approach using Artificial Intelligence and Machine Learning, detecting not just isolated errors but also hidden anomalies arising from complex relationships within data sets. By evaluating deviations from normal data flow within the big picture and identifying them in real-time, the system maximizes operational security and efficiency, enabling rapid action to maintain the health of all your data-driven processes.

The proFIT

Modeling Tool transforms strategic decision making for financial institutions by going beyond traditional reporting to deliver a dynamic scenario analysis engine. It enables users to simulate and instantly recalculate key profitability drivers such as risk adjusted return, operating costs, expected loss, and economic capital, providing a clear and comprehensive view of their combined impact on return on capital. By leveraging advanced analytics and a flexible modeling framework, the solution allows institutions to evaluate multiple scenarios, test sensitivities, and respond proactively to changing market conditions. It supports more accurate capital allocation and pricing strategies, enhances transparency across financial performance metrics, and helps organizations maximize risk adjusted profitability while maintaining strong governance and control.

CreditWatch is an AI powered early warning platform designed to empower banks to manage their credit portfolios proactively and with greater precision. Leveraging advanced analytical models and flexible rule sets, the system monitors customer behavior and detects emerging risks in real time, helping institutions take timely actions to minimize Non Performing Loan ratios and prevent potential losses. By combining machine learning with configurable business rules, CreditWatch enables continuous risk assessment across the entire portfolio, enhancing visibility and control over credit exposure. Its scalable and flexible architecture allows seamless integration into existing systems while supporting automated workflows and faster decision making. This not only strengthens profitability but also ensures sustainable portfolio health and more resilient credit risk management over the long term.

Automate the workflow. Trust the numbers.

Pure Balance eliminates manual errors by automating data mapping, transformation, and analysis — powered by an extensive rule library, customizable rule sets, and AI-driven anomaly detection for greater accuracy and reliability.

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Contact Form

Please make sure to fill in all the required information so we can get back to you.