We build fintech products & services

Timmo is trusted by banks, credit unions and financial institutions

Trinity BankEqua bankSpořitelní družstvo NEY

Digital Engagement Fintech Platform

Our ready-made digital fintech platform offers unique user experience, real-time data processing ensuring flexibility & scalability, cost efficiency and quick deployment

Customer onboarding
Fully digital end-to-end customer onboarding on mobile device and desktop
Transaction feed
Enhanced transactions feed with fulltext search and filters keeps customers in control
Quick and simple payments supporting market standards plus easy local customisation
Push notifications
Real-time push notifications triggered by payments and other important events
Consumer loan
Effective credit cross-sell thanks to customised offers and simple application process
Payment cards
Easy payment card life-cycle management incl. Apple Pay and Google Pay digital wallets


Enjoy the market best practice user experience tailored for iOS, Android and desktop Web. Our unique design is a result of extensive experience, market benchmarks and regular usability tests.



Clear information structure helps customers stay on top of their finances. With personalised notifications, you can enhance customer engagement leading to improved cross-selling opportunities.


The solution is built on a robust security framework compliant with PSD2 Strong Customer Authentication (SCA). Mobile-first approach allows both secure and user-friendly authentication / authorisation methods.

We rely on proven, robust and scalable tech stack
Swift UIKotlinReactGoogle FirebaseApache KafkaGraphQLGo LangMicronautSpringOraclePostgreSQLKubernetesDockerElastic

Who is it best for?

Looking for a ready-to-use digital banking experience that keeps up with ever-evolving customer preferences and expectations? Searching for a cost-effective, easy-to-deploy solution that meets all security and compliance requirements? Look no further. Get in touch with us.

  • Small to medium-sized Banks

  • Credit Unions & Building Societies

  • Asset Management Companies

  • Fintechs &  Financial Institutions

Meet the brilliant minds behind Timmo

Tomas Vesely
Tomas Vesely

Seasoned business & product owner in financial services industry who shaped value proposition of several digital challenger banks such as mBank, Equa bank or Air Bank.

Radek Frolik
Radek Frolik

Experienced IT & solution architect with special focus on real-time event-driven architecture who successfully assisted Equa bank, Raiffeisenbank and others to achieve IT excellence.

Tomas Prochazka
Tomas Prochazka
Product designer

Product, interaction and visual designer who radically redefined Equa bank mobile customer experience further worked with Google to improve Android OS design.

Michal Materna
Michal Materna
Back-end developer

Proficient software engineer specialising in back-end integration through a micro-service architecture. Works with Kafka and GraphQL using Java, Kotlin and Micronaut frameworks.

Petr Fuka
Petr Fuka
Front-end developer

Highly skilled front-end software engineer specialising in mobile apps using both native and multi-platform frameworks. Played a key role in building the Equa bank Android app.

Martin Chval
Martin Chval
Front-end developer

Talented front-end software engineer working on both mobile and web applications using tools such as Java, Kotlin and React assists in finalising the multi-platform experience.

What we do best

Define value proposition
We work closely with you on identification and articulation of customer benefits expected to be delivered by your product or service
Design and test UX/UI
Our designers help you to create the entire user experience including the interface of a mobile application, website, or other media
Outline IT architecture
We design a complete IT architecture blueprint describing how systems are configured and how they work together
Launch & run the service
We have extensive experience with releasing digital services to production. We provide the client with ongoing support
Build apps and systems
We use modern frameworks that let us develop high-quality and high-performance apps. It allows us to deliver your projects faster
Integrate to existing systems
We make sure our delivery is well integrated in your specific environment, all components share data and work together

Our experience

We have experience with delivering innovative solutions in the financial services industry. With a deep understanding of regulatory requirements, security protocols, and industry-specific challenges, we are able to develop robust and scalable software.

  • Bank iD

    Bank iD authentication method integration of both Identity Provider (IdP) and Service Provider (SeP)

  • Equa bank

    Equa bank native mobile iOS & Android app awarded Best Mobile Product in both 2018 and 2019 by WebTop100

  • Raiffeisenbank

    Complex integration based on Kafka real-time pattern connecting bank to State Basic Registers (ISZR) and National Identification & Authentication Point (NIA)

  • Apple Pay

    Integration of Apple Pay a Google Pay mobile wallets for bank's customers in the first wave upon service country launch

  • Czech National Bank

    Real-time 24/7 payment capability thanks to connection to the Instant payments scheme operated by the CNB

Speak with the Team

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timmo s.r.o.
Zemské právo 1573/5a
IČ 08893691
DIČ CZ08893691

The company is registered in the Commercial Register kept by the Municipal Court in Prague, Section C, File 326740
+420 728 404 911