Mid-size & regional banks
Top-15 in their region with a #1 ambition. Shareholders ready to spin off a tech entity and own the outcome.
Vendor · Consultant · Implementer
We'll transform your bank into an AI-Native Ecosystem
Effortless service. Natural choice. Obvious leadership.
Strategy, software and a senior engineering team — under one accountable contract. For banks that want to be in the first 3–5 of their region before the 2027 window closes.
Free 60-minute call after the diagnostic — or skip the survey and just write us.
- 9
- products in production
- 18 mo
- roadmap horizon
- top-5
- bank under transformation
Whom we sell
See the full ICP →
Built for banks that actually want to transform
Greenfield digital banks
Teams building a bank from scratch — looking for an AI-Native architecture and senior engineers from day one.
Enterprises in financial services
Insurers, brokers, fintech platforms that need a banking-grade engineering contour outside their perimeter.
Value · Bank of tomorrow
See the full picture →
What your bank becomes after the transformation
AI-Native isn't a feature you ship. It's the substrate your bank runs on — and your customer feels it on day one.
An invisible financial assistant — embedded in their digital life
- Hyper-personalised offers built in the moment
- Proactive service — before the ticket is raised
- Conversational banking that resolves 95%+ of requests
- Credit decisions in minutes, not weeks
A tech company with a banking licence — not a bank with an IT department
- Event-driven core · goodbye to batch ABS
- Predictive dashboards · decisions, not reports
- Zero back-office · humans on edge cases only
- Predictive anti-fraud and real-time risk
180–365
days to first products in production
+15–20%
customer-base growth in year one
+10–20%
ARPU growth per customer
days, not months
time-to-market for new products
Why Ratexa
Three roles your transformation needs.
Three roles your transformation needs.
Most banks get only one.
Consultants don't build. Vendors don't strategise. Integrators don't own the outcome. Ratexa.ai combines all three under one accountable team — that's why banks working with us move 18 months ahead of peers.
Production-ready platform
9 products live: HRM, CRM, Jumse, DTMS, MyCouncil, QBIS core banking and more. Software you turn on, not a roadmap in PDF.
Strategy from operators
Ex-CTOs and digital directors from Citibank, Barclays, Accenture, Deloitte and other tier-1 banks. We diagnose, plan and defend the business case.
We ship — not just advise
Separate tech entity outside the bank perimeter. Senior-only engineering. Legacy refactored 5–7× faster with AI in the loop.
Solutions
Full solutions →
Four services. One accountable team.
01
AI-Native transformation
Maturity audit, 18-month roadmap, business case the board can defend.
02
High-End engineering
Senior-only delivery: legacy refactored 5–7× faster with AI in the loop.
03
IT architecture
Service-oriented, AI-Hub-ready, on-prem or private cloud — your jurisdiction, your control.
04
Staff augmentation
Embedded senior teams under your CTO — without HR overhead or vendor lock-in.
Product platform
Plug-in products that feed the Hub
9 products in production. One perimeter, one SLA, end-to-end audit trail.
Ratexa/HRM
HR operations platform
End-to-end HR operations: org structure, roles & grades, performance, compensation — with a built-in OKR engine.
Read more →
Ratexa/Onboarding
Adaptation in days, not months
Personal onboarding tracks, buddy system and AI mentor — new hires reach productivity 40% faster.
Read more →
Ratexa/CRM
B2B sales with AI in the loop
Pipeline, account planning, multi-touch attribution — with an AI assistant that prepares every meeting and summarizes it after.
Read more →
Ratexa/Jumse
Award
AI screening of senior engineers
Objective behavioral and technical assessment of IT candidates — time-to-hire drops from 3 weeks to 1.
Read more →
Ratexa/Trio
HRM + Onboarding + CRM — one perimeter
Three products in one contract: hire → adapt → operate. Single database, SSO, end-to-end metrics.
Read more →
Ratexa/DTMS
Distributed team management
Workload, utilization and pulse surveys for distributed IT teams. Real-time signals from Jira, GitLab and GitHub.
Read more →
Ratexa/Banking Insurance
White-label B2B2C insurance for banks
Manage the bank–insurer partnership end-to-end: registry, sales flow, reconciliation, payouts.
Read more →
Ratexa/MyCouncil
Corporate governance & board management
A secure board portal: agendas, materials, votes, minutes — with built-in e-sign and full audit trail.
Read more →
Ratexa/QBIS
Modern core banking
A modern core banking system deployable on-prem or on a private cloud. Fits any jurisdiction.
Read more →
Reference · in progress
Evocabank, Armenia — already on this path
A top-5 Armenian bank in active AI transformation. Ratexa runs the external engineering contour outside the bank perimeter. Phase 1–2 complete, Phase 3 in flight. KPIs validated on the P&L.
Discuss your own roadmap → −38%
cost optimization in year one
35%
optimization of key resources — payroll + IT
−54%
reduction of legacy development budget
Team
Meet the team →
Banking insiders who've already done it
- Aleksandr SeldemirovCEO Ratexa.ai · digital product strategy
- Dmitry ShishkinEx CTO Citibank, Barclays · global banking technology
- Roman TaranovPhD · ex Digital Director Accenture · ex Partner Deloitte
- Sergey LeonidovEx Digital Director at a global digital bank · founder of a leading financial marketplace
- Arkadiy SandlerAI strategy advisor · ex-head of an enterprise AI lab
Self-assessment
Start the diagnostic
Check-up your Bank or Company for AI-Readiness
Structured diagnostic across 12 dimensions. 20–35 minutes. Auto-saves locally. We use it as the input for every 60-minute strategy session.