The full-service agency delivering high-value fintech products.

We create unparalleled value through our commitment to excellence and experts. Our approach is focused on delivering top-notch, high-value products and services that are customized to our clients' unique needs.

Filip

Technology

Founder of KOia KoiA. Serial entrepreneur, CTO & technical leader with 20+ years of experience. He delivered multiple fintech platforms from concept to scale-up. He has built digital banks, investment, loan, insurance and payments solutions globally.

Ɓukasz

Business & Product

Experienced Head of Product with a demonstrated history of working in the innovative financial services industry. Versatile professional skilled in product, sales, business development management, and leadership.

Mateusz

Product Design

Award-winning creative technologist with 20 years of experience. He has co-founded several startups and currently solves complex Fintech product challenges for clients ranging from start-ups to Fortune 500s.

Giselle

Partnership

Experienced professional offering strategic advisory services to early-stage companies in the areas of strategic partnerships and Go-To-Market with a wealth of knowledge in investment banking, startups, and Venture Capital.

Who are we really?

The go-to SWAT team for unleashing ideas, pushing boundaries, and crafting next-gen solutions that'll leave your competition behind. We do it for years. End-to-end.

Experience

Allianz
Deutsche Payment
Liberty Mutual
Orange
Telefonica
ACNielsen
Euronet
Liberty Direct
Outlier Ventures
T-Mobile
Bank BPS
Expander
Loot
Payble
Upnext
Citi
Identitii
Lendo
Phillip Morris
Wirecard
Credit Suisse
Gather Investing
Mastercard
Raiffeisen
Wizzair
Deutsche Bank
Helu
MillwardBrown
Sanofi
Wonga
Dinie
HSBC
Notus Finanse
Sales Metric
Version 1
BNPL
Embedded Lending
mPOS
Payment Gateways
Regulatory Reporting
Digital Banking
FX
Mortgage
Proximity Payments
Retail Investing
Direct Debits
Insurance
Open Banking
Payment Terminals
Risk Management
Early Wage Access
Loyalty Systems
Payments
Mobile apps
Savings
eWallets
Lending
Payment Cards
Regulatory Compliance
Trading Platforms

Why us?

We are top fintech one-stop shop you need to get it done.

Ok, but how?

We take businesses to the next level by delivering a full suite of services, from market research and compliance, to product design, delivery, and team building. As outsiders without legacy, we bring a fresh perspective and the drive to build great products.

Services

Ideation

Generating ideas and identifying potential product opportunities.

Research

Conducting market research and gathering information about customer needs and behavior.

Concept

Turning the best ideas into rough product concepts, often using sketches or wireframes.

Design

Creating detailed product designs, including specifications, materials, and manufacturing processes.

Testing

Conducting tests and prototypes to verify the design's functionality and performance.

Validation

Gathering feedback to validate the design and make improvements.

Launch

Introducing the PoC/MVP/Ready to Launch to the market and preparing for production and distribution.

Optimization

Monitoring the product's performance and making changes as needed to optimize its success.