Innovative digital solutions for clients to expand the banking and financial service range.

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About the client

Fintech service provider

TryPay S.A. delivers digital services in the fintech area. They include deferred payments in the e-commerce domain, mainly in the B2B model.

The company’s goal is to implement services based on data collected through open banking. Then, TryPay plans to digitally transform all traditional banking services and create a coherent fintech ecosystem.


Pioneer open banking services

In Q2 2020, TryPay was one of the first Polish companies to receive a permit from the Polish Financial Supervision Authority to provide services under open banking – AIS (Account Information Service). 

The service grants access to the clients’ banking accounts, thus opens the way to expand the offer in the digital industry. It can be used by, among others, e-commerce, fintech, regtech and legaltech industries. TryPay has decided to enrich the Polish market with BNPL (Buy Now, Pay Later) deferred payments for entrepreneurs. The project innovativeness was associated with challenges in many areas. The company needed a stable and experienced partner from the IT industry to build digital services based on open banking and AIS.

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The main challenges related to
introducing open banking to the market

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compliance with the PSD2 Directive – implementation of high-quality procedures of IT systems verified by the Polish Financial Supervision Authority

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creating separate documentation and test environments for specific suppliers participating in the process

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establishing and maintaining contact with each bank that enables such integration

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a scalable team that will launch the TryPay service into production as early as 9 months after receiving a license from the Polish Financial Supervision Authority


Dedicated fintech app

The application is currently integrated with the 13 largest Polish banks. It aims at enterprises, enables client scoring, and will offer deferment repayment in the future.

Considering the high requirements, the company engaged Deviniti specialists to implement the technology. TryPay decided to cooperate with us due to our long-term experience with clients from the financial sector. These include banks, insurance companies, and leasing companies. The company also considered our previous projects completed using an e-commerce system integrator. Another advantage of Deviniti was our advanced Cloud and DevOps departments. Consultants responsible for the optimal development of software with specific features like high-security levels and many formal integrations also mattered.

TryPay application development stages

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Certificate of evaluation, scoring, and end-user monitoring based on data obtained from AIS

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The process of deferring payments

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The process of payment in installments and liability repayment

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Monitoring – access to the account transaction history at the indicated time and with the client’s consent

How did we do it?

Integrations and Machine Learning in action


We followed the Agile methodology. 8 Deviniti specialists were involved in the project’s first stage.

The experts working on the application included an IT Architect, a Front-end Developer, a Senior Full Stack Developer (2 people), a Regular Full Stack Developer, a Back-end Developer (3 people), and a Tester.

Technological stack


The development for MVP1 consisted in creating a schedule for given functionalities that were prepared iteratively.

The team took care of the key process development, namely integration with the banks’ API, and the back office. We spent a large part of the project preparing the integrations with banks. To meet the partners’ needs, we developed a very friendly API (with plug & play), showing scalability and performance.

Client profile

We applied proprietary classifiers that use machine learning, NLP analysis, and client segmentation (clustering) to build the client profile.

Applying a machine learning approach allowed us to reduce project maintenance costs. Moreover, we eliminated the need for the continuous support of credit analysts. The first-stage difficulties consisted of the full integration with banks, the need to build AI and statistical models, and the integration with external data sources, including with the Ministry of Finance, CEIDG [the Central Register and Information on Economic Activity], or commercial credit bureaus. We met these challenges by gathering a professional and experienced team. In addition, we supported our work with a high level of automation, for example, in the area of tests and CI/CD.

Client assessment

In addition to the client profile, external partners receive scoring in the form of point or percentage values, or they are assigned a risk class.

Based on the scoring, the partner’s system decides about granting the deferred payment option to a given client or “launching” a financial product (e.g. credits or loans via the Internet). The system adapts the presentation of the results and the scoring method to the partner and their requirements.

UX/UI app design

We conducted several workshops with the client to identify their business needs in the best way possible.

The consultations helped our team define the UX persona and the project’s long-term goals. Moreover, we performed detailed product analyses such as Lean Canvas. Based on the workshops, the acquired data, and A/B tests, we selected the primary colors in line with the TryPay logo and created several product interface versions. After becoming familiar with the ideas, the client chose the one that suited them best.

How does the application work?

Making life easier for customers and employees

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Data and protection

The TryPay system operates within the Polish infrastructure of Orange Data Center. Numerous security measures supervise the data flow. The system allows clients to quickly and conveniently use deferred payments.

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Client panel

After moving to the basket, the client selects the payment form: payment card or deferred payment. The necessary data is verified. Once it’s done, the client is redirected to the bank selection option.

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Employee side panel

The back office system helps TryPay employees efficiently manage the process. The side panel allows a quick search for parameters, e.g., operators, banks, or partners. The employee can view alerts and find information by tags.

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Employee inquiry panel

The inquiry panel makes it easy to view partner and client data. By entering details in the top bar, the employee can easily find information.


Credit scoring in seconds

Our cooperation greatly supported completing the first and the most difficult of the three stages of the planned work on the application. 

Despite the high project complexity, the team created a secure, scalable, and efficient system with advanced architecture and many integrations in 9 months. Our team coped with the most significant challenge at this stage – we integrated TryPay with 13 banks based on PolishAPI. Another achieved goal is providing the shortest possible process path on the end client’s side. The system is intuitive and easy to use, with a friendly API (plug & play). We also consider complete automation and objectivity of verifying decisions as our success. The null direct costs of manual verification by analysts during credit scoring are also worth mentioning. It translates not only into financial benefits but also a significant reduction in the loan granting process – the decision takes a few seconds, thanks to the process automation.

The end of the first stage of work doesn’t mean that TryPay and Deviniti cooperation is concluded.

The interdisciplinary team is already in the process of further work: we are developing business processes and data analysis while preparing the deferred payment, installment payment, and liability repayment process. We are also working on AI algorithms – building new models and collecting data from current implementations. In addition, we are already introducing the system to the first clients: one of the largest Polish B2B stores and online loan providers.


What does our client say?

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Femion Technology (TryPay’s parent company) aims to become the leading fintech service provider in Europe. This goal is unachievable without the support of an efficient software house that Deviniti is. We view the cooperation as highly positive regarding technology as well as throughout the entire product path, and during the implementation of AI solutions and innovative processes. Deviniti turned out to be not only a software house but also, above all, a solution house. We feel confident with such a partner when we go abroad with our products.
Jarosław Olejarz
CEO, FEMION Technology S. A.
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The strong skills of the Deviniti team allow for finding solutions whenever problems or obstacles emerge. By joining forces with our team specializing in fintech innovations, we can quickly build new products and services for our clients.
Marcin Bednarski
CTO, FEMION Technology S. A.