We build next-generation digital banks

ratexa.ai brings together expertise in fintech, architecture, and technology to take your bank to the top of the digital market in just 180 days

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Digital revolution today — or loss of market share tomorrow

the problem

By 2028, 80% of traditional banks will lose competitiveness

the choice

either they transform into full-scale digital ecosystems

the reason

customers are massively shifting to fintech solutions that are 7x faster and more convenient than traditional banking

ratexa.ai – the #1 team forbuilding digital banks

We help banks transition from legacy infrastructure to a data-driven digital ecosystem — with AI architecture, agile management, and a growth strategy through digital products

go to action plan

An exclusive offer for banking visionaries

Choose the role you play in digital transformation

We’ll prepare a personalized plan for your scenario

Diagnostics (2–4 weeks)

  • A joint analysis of the bank’s technological and operational landscape with top experts.
  • We identify barriers, growth points, and scaling potential.

Strategy Session (3 days)

  • Together with the leadership team, we develop a roadmap for digital transformation and finalize the growth strategy.

Hybrid Team Formation (1 month)

  • We assemble a dedicated working group: ratexa.ai + your bank.
  • We appoint project managers, product owners, and enterprise architects who work exclusively on your project.
Bank TOP Manager → Bank Stakeholder → Other position →

What your bank gets with ratexa.ai

fast Launch

Competitive advantage within 6–9 months. (First products are not prototypes, but ready-to-use digital services.)

digital-First Architecture

Cloud, AI/ML, microservices, API-first, AI-first approach. (No monoliths — only scalable infrastructure.)

complete Ecosystem

Core banking, online banking, reporting, remote banking. (From backend to frontend — all under one strategy.)

world-class UX/UI

With personalization for your customers. (User experience on par with fintech leaders.)

Quick Wins in just 365 days

A result you can present to your board of directors

  • Launch of first digital products and features for immediate competitive advantage
  • Adoption of global banking best practices, mentoring, and co-development of digital ecosystem
  • 15–20% growth in customer base
  • 10–20% increase in revenue per client

Guarantees & Risk Mitigation

  • Agile + AI methodology
  • Transparent workflow with weekly reports and performance metrics
  • Full knowledge transfer
  • Your team receives hands-on training during the project
  • Post-project support
  • Ongoing guidance from ITQuick mentors after launch

Why ratexa.ai is chosen as a strategic partner

Sergey Leonidov

Ex Digital Director T-Bank (Tinkoff), creator of fintech marketplace Sravni.ru

Roman Taranov

PhD, Ex Digital Director Accenture Europe, Ex Partner Deloitte Europe

Dmitry Shishkin

Ex CTO Citibank, Barclays — global banking technology leader

Alexander Seldemirov

Co-founder of ratexa.ai, ITQuick, Jumse, QBis — innovation implementation strategist

Proven Results

100+

successful fintech projects with major banks and acquirers

90%

of clients launch marketplaces and digital products on schedule

300+

senior-level specialists and 20+ enterprise architects on the team

Get a personalized digital transformation strategy

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    TEXT ME PERSONALLY

    Alexander Seldemirov

    Alexander Seldemirov

    Co-founder of ratexa.ai