ATLANTICO Europa is a Portuguese retail bank that specializes in long-term deposits. Since 2009 it has been providing high quality financial services to clients from over 60 countries. Despiteits rather short history, the bank is a very dynamically developing institution, which attaches great importance to both increasing its competitiveness and the convenience of its users, so it willingly introduces innovations.
In 2019, due to a decrease in margin on interest rates, the bank faced a new challenge on searching for new revenue sources. It also wanted to take advantage of the business potential associated with the development of the European payment market, resulting from the introduction of the PSD2 directive. Therefore, it was looking for tools that would provide it with an opportunity to expand its cooperation with fintechs.
Since 2018, ATLANTICO Europa has been using ACM (Advanced Card Management) – the Asseco PST’s system, which supported, among others, debit, credit and prepaid card operations. As the European payments market evolved with the PSD2 initiative, it was clear that also ACM had to expand along in order to allow the bank to enter the new business area. The system is 100% service-based, so the shortest way to achieve the goal was to create the Payments Services Hub – a payment platform for fintechs. This way the bank could acquire a channel capable of supporting a huge transaction volume. In order to complete the project, the bank chose Asseco PST, a company from the Asseco Group.




The main goal of the project was to develop and implement the Payments Services Hub, a new module of the ACM system. It had to be fully scalable in the following areas: channel endpoint – gateway for fintechs, bookkeeping procedures, transaction clearing, commission calculation and accounting ledger generation.

The ACM system had already been adapted to the PSD2 directive. It had also supported instant and SEPA payments (Single Euro Payments Area), as well as local payment services schema (recharging pre-paid phones and transport cards, payment of invoices, taxes). This allowed the project to focus on two main developments:

  • Support of huge transaction volumes with few customers (fintechs). In addition, the system had to be able to process concurring transactions over the same DDA account (Demand Deposit Account), while guaranteeing its available balance unviolated.
  • Automatic processing of refunds from the DDA’s in order to ensure a 24/7 non-stop service, and simultaneously continue to reconcile the clearing and accounting ledger.


The project lasted 3 months and was carried out with the participation of a small team of 4 programmers, and its implementation allowed to achieve all the assumed objectives.


Key benefits.


The implementation of the project provided ATLANTICO Europa with the opportunity to expand its offer, which allowed not only to provide new services but also to open up to new customers.

Payments Services Hub became another source of revenues for ATLANTICO Europa and the solution accounted for about 14% of the bank’s total sales in 2019. The interchange fees and commissions collected by the bank along with the interests charged over the credit lines completely changed the nature of the institution’s business activity.

Project in numbers:

months was the implementation time
programmers executed the project
14 %
is the revenue share generated by Payments Services Hub in 2019





Banco Sabadell is the fourth largest private banking group in Spain in terms of assets. It has been recording rapid growth, achieving in 2019 a net profit of EUR 768 million, which marked an increase by 134% year-on-year. It employs over 24,000 people and offers a full range of financial services, provided with full professionalism and the highest standards of service.
The Bank addresses its offer not only to individual and corporate customers but also provides modern services to non-governmental organizations and religious institutions. With them in mind the Bank decided to launch IT solutions that would introduce Spanish churches into the 21st century and improve the way funds are transferred to them. For the implementation of this project the Bank chose Necomplus, a company from the Asseco Group.




The objective of this unique project, which began in June 2018, was to implement the eDonations system in churches and thus enable the faithful to make electronic donations. This meant the modernization of one of the oldest, very traditional institutions whose members had had no previous contact with contactless payments. Necomplus aimed to create an innovative solution which, thanks to the use of the Near Field Communication (NFC) technology, would allow users to make donations with the use of credit cards, smartphones or watches.
The terminals’ design and the method of installation were also of vital importance. Therefore, in the first stage of the project, special church lecterns were built to hold the terminal and in the next stage, votive candle stands were added.
In Banco Sabadell, Necomplus implemented the software adapted to Vx680 POS with customized functionality and a user interface for donations.

The company provided:

  • access to network statistics, which can be filtered according to donation collection points, their types and terminals, among others,
  • access to online map displaying eDonations installations,
  • integration with Necomplus PI ticketing system for the management of eDonations installations & maintenance


The project was completed in November 2018, and a team of 4 IT specialists was responsible for its implementation.
In the initial stage, these pioneering terminals were installed by Necomplus in over 240 parishes in Spain. In 2019, a more comprehensive and portable version of the eDonations ecosystem was created, with collection boxes which can be customized and include both the terminal and a cash slot.
The users did not need much time to get adjusted to the new solution in churches. This was achieved thanks to the simplicity and intuitiveness of use, which made the initial barrier disappear quickly.

eDonations is a non-cash donation collection system used by more than 440 entities, such as foundations, NGOs and religious institutions. It offers a high level of personalization, so it can be used by any organization that receives financial support in both cash and digital form. It uses easy-to-transport POS devices, which ensure fast transfer of collected funds and their better protection against possible theft.


Key benefits.


eDonations is a pioneering solution, which was the first to offer functionalities for digital handling of the donation process. With its help, it was possible to modernize one of the oldest institutions in the world and introduce it into modern technology.

The software developed by Necomplus played a key role in the transition from traditional to digital donations. The convenience, intuitiveness and security of this type of funds collection have made eDonations increasingly more popular. More than 4,000 entities in Spain have declared their willingness to use the system to improve the financing of their social projects.

POS devices in churches have increased the number of donations by 25%. They have also offered a great convenience for those who do not always have cash with them. Thanks to eDonations, the faithful can make quick cashless transactions with a card, phone or watch instead of putting money on a collection plate.

Project in numbers::

specialists responsible for the implementation
months – the project implementation
> 240
parishes using eDonations
> 4,000
entities in Spain willing to implement the system

“The aim of this project is not only to increase the profitability of the Bank, but above all to support our customers in their digitalization process, seeking to strengthen the relationship in the long term. That is why institutions pay only a reduced commission, which covers the operational costs resulting from the use of the system. Owing to this, almost the entire amount of the donation is transferred to the institution” – said Santiago Portas, Director of Religious Institutions, Banco Sabadell.





The Motor Insurers’ Bureau of the Republic of Lithuania (MIB) is an association of 8 insurance companies operating in the country. Its aim is to coordinate activities related to a compulsory motor liability insurance (MTPL), among other things. The MIB also runs an information center and is a body dealing with claims and compensation payments.
The association attaches great importance to the safety and comfort of drivers, for whom accidents and road collisions are always a stressful experience. In addition, it usually takes a lot of time to fill in the related paper declaration. That is why the MIB has decided to implement IT solutions that would simplify this process. To this end, it began the cooperation with Asseco Lithuania, a company from the Asseco Group, whose task was to develop two solutions – the application for the declaration of vehicle traffic accidents and a self-service solution for managing accident history as well as insurance documents, , and for submitting requests and getting reminders.




The implementation began in November 2018 and its goal was to create innovative IT tools providing both drivers and insurance companies with intelligent management of a post-accident procedure. The project aimed to improve the process of reporting road accidents and handling related insurance documents. The new applications were to be characterized by intuitiveness, reliability, high availability and efficiency of operation, which, on the one hand, would facilitate and speed up work of the association and insurance companies, and on the other hand, provide them with access to information about an incident immediately after completing a declaration.

In order to reach these goals, Asseco Lithuania implemented two solutions at the MIB. The first one,, an accident reporting application, was equipped with a mobile electronic signature, Smart-ID authentication functionality and an additional possibility to log in using a Google or Facebook account.

The solution provided the following functionalities:

  • Declaration of a traffic accident with a possibility to call emergency 112
  • Completing vehicle license plate numbers and verifying their registration within the MIB registries
  • Automated completing of driver’s data (personal data and contacts) for registered users
  • Email validation solution for unregistered users
  • Uploading accident photos using hints and drawing a traffic accident diagram
  • Defining damages, accident circumstances and reporting the time and place of an accident by using device GPS location
  • Indicating traffic accident witnesses
  • Confirmation of responsibility for the accident by the culprit
  • Signing a declaration by both drivers and submitting it to the MIB’s Information System
  • Generating a declaration file and informing the users about the next steps


The implementation of the application required a change in the data protocol for accident declarations, therefore Asseco Lithuania took care to unify it with the official address register. Additionally, it provided the possibility to add GPS coordinates to an accident reporting application form.
The second application, whose objective was to support the employees of the MIB and insurance companies, provided:

  • Reminders about expiring insurance contracts, notifications about the status of the registered accident
  • Monitoring of road accident history, insurance documents and receivables for the MIB
  • Submission of information requests and applications for payment of insurance benefits
  • Claim application for accidents that have occurred in other European countries


The implementation required the integration of the solutions with the MIB’s information system. It was completed in November 2019 and implemented by Asseco Lithuania’s 5-person team, which reacted to the client’s needs and suggestions on an ongoing basis. The project also involved 3 specialists from the MIB and experts from each of the 8 insurance companies.

The MIB’s Information System has been developed by Asseco Lithuania since 2002. The purpose of the system is to collect, store and distribute data about the issued insurance policies in one central database located at the MIB. Additionally, the system provides a claim administration functionality, data analysis service and is integrated with more than 20 systems of other institutions, including police and bank registers. The system functionalities are regulated by the Law on Compulsory Motor Third Party Liability Insurance.


Project milestones.

  • Preparation of a data protocol for accident declarations
  • Creation of a detailed graphical interface design of the application
  • Development of a pilot version of the application
  • Testing of the pilot version of the application
  • Unifying the data protocol with the official address register and adding GPS coordinates to documents
  • Application acceptance testing


Key benefits.

The implementation of the project has provided all drivers of the Republic of Lithuania with access to a very convenient solution that provides the possibility to report road accidents and collisions online. Owing to the application they can carry out the whole process immediately after an incident and thus reduce the time needed for filling in documents manually.
The solution assists the user step by step in the process of documenting an incident, taking photos, etc. It provides all the necessary instructions needed to properly fill in a declaration, which eliminates possible errors. It also allows to collect necessary information from other drivers involved in an accident.

Thanks to the automatic submission of the declaration, both the MIB and its affiliated insurance companies have gained immediate knowledge about the events involving their clients. They also have a tool that streamlines the handling of declarations and simplifies related formalities. Through this tool, they can monitor the history of cases on an ongoing basis and are informed, among others, about expiring agreements and the administrative status of the reported traffic accidents.

Project in numbers:

internal users
> 600
accident declarations registered by the application in the first 5 months
> 4,700
registered users
~ 1,5 mln
potential users of the solution

Payments and insurance