Best AI Startup — DIFC · Asseco ecosystem

The AI platform for the modern bank

PLATMA brings every core, CRM, ERP and external data source under one roof — and lets you ship new banking products in 90 days, on-premise, on a single architecture of AI agents, no-code and orchestration.

See the product line
90 days
to live pilot
4× cheaper
than custom dev
28+
AI agents on-prem
On-Premise
full data sovereignty
The product line

One engine. A full banking platform.

At the base is PLATMA — a middleware layer with a built-in AI engine that sits between your core banking and everything around it, running on-premise. On top of it, three ready capabilities plug in separately or together, over your existing stack.

The platform · banking middleware

The layer between your core and everything else

PLATMA sits between your core banking and everything around it — channels, integrations, business processes and AI agents. Business logic and integrations move out of the core into a layer your own team owns, so you stop waiting on a vendor for every change. Deployed entirely on-premise, inside your perimeter.

Days
new integration, not weeks
Hours
rule change, no core release
On-Prem
in your perimeter
See how it works

What the bank gets

  • A new integration — bureau, provider, regulator — ships in days, not weeks.
  • Change a business rule in hours via the visual editor — with no core release.
  • A future core swap won't break your channels — only the adapters get rewritten.
  • One unified audit trail and integration registry for the central bank and compliance.
  • AI-ready: every process is automatically exposed to LLM agents via MCP.

What the dev team gets

  • Low-code + pro-code: visual flows, with room to write custom code in any node.
  • Universal adapters — one REST / OAuth2 template serves dozens of systems.
  • Blue-green deployment and one-click rollback — with no maintenance window.
  • A ready observability stack: Loki, Prometheus, Grafana, RabbitMQ.
  • CI/CD, versioning, RBAC — a real engineering cycle, not a toy for analysts.
Vertical · SME banking

Bank 6.0 — the bank becomes the center of the business

A complete banking vertical for small & medium business: real-time client analytics, proactive offers and ready financing scenarios on a single architecture. The bank answers the entrepreneur's question before it's even asked.

+18%
to sales
×3
to retention
1-click
financing
↗

Real-time business analytics

Data from Uzum, Billz, 1C, tax authorities and e-commerce. Margin, turnover and trends — all in one window.

↗

Proactive offers

AI reads triggers — sales growth, a cash gap, a new contract — and offers the right product automatically, before a request.

↗

Robotic credit conveyor

Automated SME lending: application → scoring → decision → disbursement in minutes, with no manager in the loop.

↗

Factoring front-office

A digital factoring desk: AI contract analysis, deal CRM, company scoring and dashboards.

↗

Entrepreneur cabinet

A business cockpit inside the bank: finances, taxes, competitor analytics and AI recommendations.

↗

Islamic banking window

Launch an Islamic window on CS B2 + PLATMA: 5 product types, AAOIFI-compatible architecture.

Foundation · Universal Data Bus

Every bank system, one real-time stream

Core Banking, CRM, ERP and legacy databases connect through a Node-RED integration layer into a single bus, then aggregate and clean inside a secure on-premise data lake — full regulatory compliance, ready connectors, no complex coding.

x4
cheaper to build
x6
faster to market
x3
smaller team
See the architecture
↗

Node-RED integration layer

Unifies all bank systems into one real-time data flow — without complex programming or brittle custom connectors.

↗

On-Premise data lake

Data is aggregated and cleaned inside a secured on-premise perimeter — full normative compliance, full sovereignty.

↗

Ready connectors

Pre-built links to ERP, E-commerce, CRM, accounting, POS and E-gov — connect a source once and the system picks it up.

↗

Big Data & API native

Full compatibility with Big Data pipelines and external APIs through a secure gateway — no public-cloud exposure required.

↗

Enterprise security

End-to-end encryption, granular access control and full compliance with banking regulatory standards.

↗

Elastic scalability

Architecture that grows with your institution — from pilot to enterprise-wide rollout — with no re-engineering of the stack.

Capability · 28+ AI agents

A workforce of AI agents, trained on your data

From AI recruiters to personalized offer builders and sales agents — PLATMA deploys 28+ specialized agents plus AI-compliance, all running entirely inside your on-premise infrastructure and connecting to any core, with no replacement required.

28+
ready agents
80%
requests auto-resolved
24/7
always on
↗

AI compliance & AML

Automatic transaction screening, KYC, sanctions lists and regulator reporting — with explainable decisions.

↗

Offer constructor

Personalized offers in real time, built from the client's banking and non-banking data.

↗

Sales agent

Finds "hot" clients among hundreds of thousands. The manager receives a ready list and a conversation script.

↗

AI client assistant

A 24/7 chat & voice assistant that closes up to 80% of routine requests without escalating to an operator.

↗

AI lawyer

Analyzes contracts, flags risky clauses and reconciles documents against the bank's internal policies.

↗

AI recruiter

Automates HR: resume screening, first-round interviews and onboarding for new employees.

How it works

From legacy stack to AI bank — in three moves

PLATMA collapses what normally takes months of integration work into a simple three-step path — from connecting your core systems to deploying AI-powered apps, at enterprise scale.

STEP 01

Connect

Integrate Core Banking, CRM, ERP and legacy databases through ready connectors — unified into one real-time bus.

STEP 02

Build

Assemble apps and business logic through the visual builder and AI — 20 minutes instead of 5 hours of coding.

STEP 03

Run & analyze

Deploy AI agents and analytics on live bank data — proactive offers, scoring and dashboards from day one.

PLATMA architecture

A single on-premise pipeline — from scattered systems to AI-powered apps.

Data sources
Core BankingCRMERP / 1CLegacy DBE-commercePOSE-govAccounting
Integration
Node-RED integration layer

Joins all bank systems into a single real-time data stream — without complex programming.

Storage
Unified On-Premise data lake

Data is aggregated and cleaned inside a secured on-premise perimeter — full normative compliance.

Intelligence
Low-Code + AI (Ollama)

The visual builder assembles business logic in minutes; AI generates SQL queries and automates app creation.

Why PLATMA

Built for banks that want to own their future

Three principles set PLATMA apart from classic banking IT — and from every other AI vendor.

No vendor lock-in

Your organization keeps full ownership of the platform. Scale independently, customize freely and export clean code at any time — never hostage to one vendor's roadmap or pricing.

On-Premise deployment

The whole solution runs in your own infrastructure, meeting the strictest banking norms. Data never leaves your perimeter — full sovereignty and maximum security.

Cost efficiency

Substantially lower infrastructure spend through platform optimization. Low-code development means fewer specialized engineers to build, maintain and scale critical banking apps.

The data advantage

Public AI can't touch your data. PLATMA can.

Hosted services like ChatGPT or the Claude API live outside your bank — so the data that actually matters can never legally reach them. PLATMA runs inside your perimeter and works on all of it.

Public AI APIs

ChatGPT · Claude API · hosted LLMs
  • Sensitive and personal data can't legally leave the bank — so it never reaches the model.
  • The model only ever sees anonymized, stripped-down fragments of the picture.
  • Answers come back generic and sterile — fluent, but unreliable for real decisions.
  • Every request transits a third party — no data sovereignty, no audit trail.

PLATMA — AI on-prem

inside your perimeter, on your data
  • Runs entirely on your own infrastructure — data never leaves the bank.
  • Works on the full record: transactions, scoring, contracts, behaviour, taxes.
  • Answers are grounded in the real client — specific, current and decision-ready.
  • Full regulatory compliance, a complete audit trail and total data sovereignty.
Measurable impact

Results within the first 90 days

Deploying PLATMA produces measurable effects across several of the bank's key business metrics at once.

+18%
growth in sales from perfectly-timed recommendations
4×
faster testing & launch of new services
6×
cheaper to build new products
90
days from kickoff to a live pilot
Recognition & ecosystem

Global recognition, enterprise backing

PLATMA is an award-winning AI company operating inside one of the world's largest banking-technology groups.

★ Award

Best AI Startup — DIFC

Winner of "Best AI Startup" at the Dubai International Financial Centre (UAE) — one of the world's most prestigious financial-innovation competitions.

€4B group

Part of the Asseco ecosystem

PLATMA operates within the global Asseco group — a banking-technology giant with €4B annual revenue and presence across dozens of countries.

Resident

IT Park Uzbekistan

An officially recognized resident of IT Park Uzbekistan, with access to a growing environment of tech innovation and state-backed digital infrastructure.

Best AI Startup
Part of the ecosystem
Resident of IT Park Uzbekistan
The team

100+ specialists in banking, data & AI

A team that has shipped banking technology at scale — combining deep core-integration expertise with modern AI and low-code engineering.

Maxym Prokhorov
Maxym Prokhorov
Co-founder & CEO

Entrepreneur and product strategist. Created companies generating $2–5M monthly revenue and built teams of up to 170 people. Leads PLATMA's vision and global expansion in AI and fintech.

Yaroslav Kologryvov
Yaroslav Kologryvov
Co-founder & CBDO

PhD and tech entrepreneur. Former CEO of Ukraine's first and largest science park at Kyiv Polytechnic University, where he grew R&D output by 300% and attracted over $26M in startup investments. General Partner at USP Capital Venture Fund.

Maxym Kolyada
Maxym Kolyada
Co-founder & CTO

Technology leader with 20+ years of experience managing technical teams and infrastructure projects. Worked with the Government of Ukraine. At PLATMA, leads product architecture and engineering strategy.

Ellada Puhaiko
Ellada Puhaiko
Chief Legal Officer (CLO)

Legal executive with 15 years in corporate, IP, and fintech law. Built and led legal teams across international markets. At PLATMA, ensures compliance, data protection, and regulatory alignment.

Anar Kostenko
Anar Kostenko
CBDO in Central Asia

Entrepreneur and business analyst with extensive experience in building, selling, and implementing IT solutions for the region's largest banks. At PLATMA, leads key partnerships and business development initiatives in Uzbekistan.

Ready to transform your bank?

Whether you're evaluating PLATMA for a single use case or a full enterprise rollout, our team is ready to run a tailored demo on real data from your market.

Talk to the team
info@platma.co