2BI

2BI is a Montenegro-based IT and financial services company founded in Podgorica.

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Provides IT infrastructure, digital payment solutions, and custom software development for SMEs.

2BI is a Montenegro-based IT and financial services company founded in Podgorica. The company specializes in providing secure IT infrastructure, digital payment solutions, and custom software development. Its flagship offerings include the Digital Payment Institution, which provides AIS and PISP services under PSD2 regulations, and the Digital Kiosk, a modern payment solution for everyday transactions. 2BI also develops custom applications, such as the Cosmetics app, which has garnered 320,000 downloads and a 4.4/5 App Store rating.

The company is currently involved in the EU-funded SmartMatch Adria project, a cross-border initiative aimed at developing an AI-driven platform for SMEs to identify investment opportunities securely. With a total project budget of €227,156.35, including €193,082.90 in EU co-financing, 2BI is focusing on integrating AI vector matching with automated KYC/AML modules. The company’s IT services include DevOps, cloud infrastructure, and monitoring, catering primarily to SMEs in the Adriatic region. Its financial trajectory is bolstered by its licensed status as a Digital Payment Institution and its involvement in innovative, EU-backed projects.

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Who buys this

  • Small and medium-sized enterprises (SMEs)
  • Financial institutions requiring PSD2-compliant services
  • Retail businesses needing custom mobile applications
  • Companies seeking secure IT infrastructure and cloud solutions

Strengths and what to watch

Strengths

  • Licensed Digital Payment Institution under PSD2 regulations
  • Strong track record in custom software development, evidenced by the Cosmetics app’s success
  • Active participation in EU-funded cross-border innovation projects

Watch for

  • Dependence on EU funding for innovation projects
  • Limited geographic focus primarily on the Adriatic region
  • Potential challenges in scaling its AI-driven SmartMatch platform

Key Information

Founded
2006
Headquarters
Podgorica, Montenegro

Frequently Asked Questions

What services does 2BI offer?

2BI provides IT infrastructure, digital payment solutions under PSD2 regulations, and custom software development for SMEs. Their offerings include licensed payment services, the Digital Kiosk platform, and apps like Cosmetics (320,000 downloads). They also deliver DevOps, cloud solutions, and participate in EU-funded projects like SmartMatch Adria.

Is 2BI a licensed payment provider?

Yes, 2BI operates as a licensed Digital Payment Institution under PSD2 regulations. Their services include Account Information Services (AIS) and Payment Initiation Services (PIS), focusing on secure transactions for SMEs and financial institutions in Montenegro and the Adriatic region.

What is the SmartMatch Adria project?

SmartMatch Adria is an EU-funded initiative (€227k budget) developing an AI platform for SME investment matching. 2BI contributes AI vector matching and automated KYC/AML modules. The cross-border project aims to enhance regional business connectivity with €193k in EU co-financing.

How successful is 2BI's Cosmetics app?

2BI's Cosmetics app demonstrates their development capability, with 320,000 downloads and a 4.4/5 App Store rating. This success showcases their expertise in creating user-friendly mobile solutions for retail businesses, though specific revenue or active user metrics aren't publicly disclosed.

Where does 2BI operate primarily?

2BI is based in Podgorica, Montenegro, serving SMEs across the Adriatic region. Their IT infrastructure and payment solutions cater locally, while EU projects like SmartMatch Adria expand their cross-border reach. The company maintains a regional focus with limited global operations.

What IT services do they provide for SMEs?

2BI offers SMEs secure IT infrastructure, cloud solutions, and DevOps services. Their custom software development includes payment systems, mobile apps, and monitoring tools. The company specializes in PSD2-compliant financial technologies and AI integrations, as seen in their SmartMatch project.

Sources

  1. www.2bi.me — Details on the SmartMatch Adria project and EU funding.
  2. www.2bi.me — Information on the Cosmetics app’s success metrics.
  3. www.2bi.me — Details on 2BI’s Digital Payment Institution services.
  4. www.2bi.me — Overview of 2BI’s IT and financial services offerings.