PLATMA — Unlocking Bank 6.0

On-Prem Bank Operating System with AI. Enables the bank to deeply understand each client and offer the right products at the right time — boosting cross-sales by at least +16%

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About PLATMA

PLATMA is a technology company, resident of IT Park Uzbekistan and the DIFC Dubai AI Campus. Established in 2022

Our Flagship

PLATMA Bank 6.0 — an operating system for banks that can be deployed on-premises or in a hybrid environment

Recognition & Partners

PLATMA has been recognized as the best AI company within DIFC (UAE). Our strategic partners include UZCARD, Asseco Group, Schneider Electric, and others

Winners of the FutureTech World Cup 2024

Our solution has emerged as the best AI solution in 2024 in the UAE and MENA region

$3M+

Secured funding

~$40M

Overall Valuation

Investors

Accelerate Your Journey to Bank 6.0 with PLATMA

We operate where market demand meets speed of implementation — a platform built for large-scale banking scenarios

Why It Matters

With PLATMA Bank 6.0, banks unify both banking and non-banking data — from accounting systems to government registries — into a single normalized model with actionable insights for client retention.

SMEs gain a transparent, up-to-date view of their operations, while the bank gains the context to deliver relevant product offers such as credit, factoring, leasing, insurance, and deposits.

Current Market Landscape

Digital platforms and artificial intelligence are shaping the foundation of modern banking products. Technology investments continue to grow, while small and medium-sized businesses remain a major source of demand

AI in Banking

≈ $11.6B (2024)

Bank IT Spending

≈ 10.6% of revenue

Digital Banking Market

≈ $12.9B (2024)

SME Contribution

>50% of total employment

How PLATMA Bank 6.0 Transforms Banking

Implementation

Go Live in under 2 months with 120+ automated integrations

Operational Speed & Quality

Visual development and automated integrations — first product in production within 1 week

Commercial Impact

Driving an average of +16% growth in cross-sales

Savings

AI over routine — process automation and personal AI assistants make work faster, more accurate, and more cost-effective

PLATMA Bank 6.0 — one operating system where data works for the bank

24/7 Unified Business Profile

We aggregate data from marketplaces, CRM systems, accounting, and advertising platforms to create a single, real-time client profile

Predictive Insights & Alerts

AI analyzes sales, stock, contracts, and campaigns to predict cash flow gaps and demand surges — alerting the bank when action is needed

Proactive Offers

The bank automatically delivers relevant products — credit, factoring, leasing, insurance, deposits — to drive business growth

Pre-Approved Solutions

Based on data and scoring models, the platform generates preliminary risk and limit decisions — allowing the client to receive an offer without lengthy checks

Client Operations Support

When inventory drops or a contract is delayed, the platform suggests credit, factoring, or marketing campaigns to maintain sales

Loyalty Protection

When a client opens an account with another bank, the model triggers a retention scenario with a personalized offer to retain or win the client back

Secure & Transparent Decisions

All recommendations are based on verifiable data and models; decisions are easy to check and audit

Use Cases & Impact

PLATMA Bank 6.0 positions the bank as an active business partner — driving cross-sales growth, improving client retention, and reducing operational costs

+16%

Average cross-sales growth for banks after implementing PLATMA Bank 6.0

>25%

Growth of SME loan portfolio in implemented projects

Driven by automated scoring, real-time business data, and instant product personalization

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How We Make It Happen

Step 1

We deploy the solution on-premises or in a hybrid environment to ensure regulatory compliance and data protection

Step 2

We connect key integrations through an API-first approach

Core banking, loan origination, payment and treasury systems, asset management, digital banking, analytics, and cash flow control
Government Registries
Business apps including CRM, ERP, e-commerce platforms, Google Analytics, and leading MMPs

Step 3

We launch a PoV

discovery

integrations

visual logic

testing

KPI measurement

Working closely with the bank’s product and operations teams

PLATMA Bank 6.0 Architecture

On-Prem (Local)

Full control over data, regulatory requirements, and security

Best for

major banks with stringent data storage and compliance needs

AI Features

AI predicts key events and triggers personalized campaigns, helping the bank offer the right solution at the perfect moment — boosting conversion and loyalty

Best for

For Marketing Teams
For Product Managers
For Sales and Analytics Teams
Risk Management Teams
SME Banking Department

AI Triggering

Monitoring sales, stock, payments, and campaigns to instantly activate the right offers and communications

Pre-Approved Offers

The platform uses data to generate credit, factoring, and leasing proposals — so the client gets a solution without lengthy checks

AI Campaign Agents

They launch email, push, SMS, and targeted campaigns, run A/B tests, and select the optimal send time

Personalization & ROI Forecasting

The model predicts sales uplift and campaign profitability before launch — giving marketers visibility into expected results and risks

Cross-Product Coordination

The platform connects credit, factoring, insurance, and deposits into a single chain of offers to grow customer LTV

Automated Retention

When churn signals appear, the system analyzes the cause and responds with tailored, more competitive offers

Teams

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

Co-founder & CBDO

Yaroslav Kologryvov is a 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 $26 million in startup investments. He is also a General Partner at USP Capital Venture Fund

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.

Sergiy Kozlov

Co-founder & Head of Product

Product expert with proven experience in large-scale fintech solutions. Delivered self-service payment systems for IBox, serving 4M users. At PLATMA, leads the product vision and user experience for Bank 6.0.

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

Dmytro Nechai

Chief Architect Officer

System architect with deep expertise in enterprise platforms and data infrastructure. Built national-scale digital systems with 12M+ users. At PLATMA, defines the AI and technology core of Bank 6.0

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

PLATMA has
100+
professionals