•We have processed over 1.2 Bn payment transactions, marking a 30% increase compared to 2024. This achievement contributes to the total of more than 11 billion transactions processed by SIBS Group globally.

•Our innovative POS Sharing Solution has seen a significant growth with the enrollment of a major gas station chain and 2 new major retail Partners, thus reaching a total of 11 big retailers and 10 banks participating in this project in Romania. Over 8700 terminals have also been enrolled for the existing Partners, offering the end customers a more seamless check-out process.

•We continued to implement solutions for Google Pay and Apple Pay, thereby enhancing end-users experience with a fast, secure, and efficient digital payment platform, increase customer loyalty, and attract new user segments.

•Soft POS by SIBS continued its expansion reaching 7 enrolled Partners in Romania and 3 abroad. We also successfully implemented together with a top 3 Romanian bank the Soft POS/Tap to Phone Visa application for Romanian postal offices, equipping postal workers across Romania with 7,000 mobile PDA terminals, enabling them to accept card payments directly from customers. This initiative simplifies payment processes, making them more accessible, even in rural or less-developed areas of the country, and further supports the ongoing digital transformation of Romania’s postal services.

•We successfully implemented the Fraud Module Paywatch for an additional Romanian bank, delivering enhanced security solutions that protect the bank’s customers across both online and physical transactions. This cutting-edge solution, trusted already by 2 Romanian banking Partners, not only strengthens the banks’ security infrastructure but also helps build customer trust and satisfaction.

•A new implemented acquiring bank has been successfully integrated by SIBS, enhancing the bank’s ability to offer secure and efficient payment processing solutions. This implementation strengthens the bank’s operational capabilities, as well as provides future merchants with a comprehensive suite of payment solutions, empowering them to easily accept and manage transactions across various platforms.

•We successfully implemented the 10th issuing bank in SIBS portfolio, through an API-based solution, offering complete services from processing to e-commerce authentication and card personalization. This strategic implementation enables the bank to offer tailored credit card solutions to a targeted customer base, enhancing its competitive position in the Romanian financial market and providing personalized financial products that meet the needs of this specific segment.

•We personalized over 1.5M banking and loyalty cards for + 100 banking and retail partners.

•We grew the national footprint of our ATM shared network, Multibanco . With nearly 250 terminals installed, double vs.2023, we now cover nearly 80% of Romania’s territory.

•Our in-house contact center handled over 380,000 interactions (+10% vs. 2022), offering 24/7 bilingual support to partners and their customers. In order to enhance the services we provide to our clients, we successfully opened a new collaboration with Daktela, a leading provider of cloud-based communication solutions, and implemented scalable communication solutions that have optimized workflows and improved operational processes in our in-house contact center

That is why we offer the solution with Braille characters, both for bank and non-bank cards, based on a proprietary technology developed by SIBS, available in Portugal but also in other countries such as Romania.

The SIBS solution enables blind and visually impaired users to distinguish between different types of cards, allowing them to independently identify banking, loyalty, access or other purpose cards, including debit, credit and prepaid cards .

This initiative is part of our inclusion strategy, alongside other solutions such as the introduction of a crescent-shaped cutout on cards in 2018, which facilitates tactile identification for the visually impaired.

The Braille Card was created as part of a strategic collaboration between SIBS and ACAPO, a renowned Private Institution of Social Solidarity in Portugal, established in 1989. Dedicated to representing citizens with visual impairments and promoting awareness of their inclusion, ACAPO has brought invaluable expertise to this initiative.

Through this joint effort, we aspire to positively impact the lives of the visually impaired, setting a precedent for inclusive and accessible financial services.

Anda Kaftanoglu – Sales & Business Development Director talked about recognizing and managing the challenges that the digital age brings to the sphere of payments; Anda also join the “Digital Transformation in Banking and Financial Services : Opportunities and Challenges“ panel.

In an era where digital security is continuously growing in importance, we remain committed to investing in cutting-edge solutions. Our goal is to provide our partners with the most advanced security solutions for their business, ensuring a safer and more secure digital future for all.

As part of the highly anticipated Banking 4.0 agenda, Augustin Dobre, CEO SIBS Romania, will join the panel Trends In Digital Payments on Day 1, Main Stage.

• End-to-end payment solutions for transactions, e-commerce authentication, and card personalization, powered by an API-driven infrastructure, delivering customized credit card solutions.


• Anti-fraud system Paywatch & efficient payment ecosystem that optimizes operations.

With SIBS’ advanced technology and expertise, CREDITCOOP is strengthening its competitive edge in Romania’s financial market, ensuring it can deliver tailored, high-quality financial services to its specific customer segment.

At the conference, Hugo Araujo CEO SIBS Romania presented an overview on the payments market & trends in EU in the post pandemic world, as well as addressed the path Moldova can take for a quicker financial inclusion.

Through modern solutions such as Soft POS, virtual card, P2P, Pay-by-link, API integrated services or 3D Secure full services boosting e-commerce, SIBS is supporting a quicker digital adoption in Moldova, and it continues to be a reliable Partner for Moldovan Fintech market, as it’s been since 2009, when it entered the neighboring market through Romcard.

Happy anniversary SIBS people! None of the accomplishments are possible without you.

With SIBS Romania, travelers can pay for their journeys quickly and securely using contactless bank cards, smartphones, or wearables, eliminating the need for physical tickets or cash. This not only enhances convenience for passengers but also helps transport operators streamline their revenue management while significantly reducing cash-handling costs.

The solution integrates multi-format validation, supporting various payment methods such as contactless cards, QR codes, and NFC mobile payments. In addition, ticket vending machines (TVMs) allow users to purchase tickets and recharge travel cards easily, providing accessibility and flexibility for a wide range of commuters.

The panel focused on some of the most current topics in the banking and financial sector, as well as how innovations come with both greater opportunities and a greater need for risk management.

During the discussion, Hugo Araujo, along with the other panelists addressed topics such as the impact the pandemic has had on improving the digitization of payments and accelerating the transition from traditional to cashless payments, the growth of e-commerce, the future of virtual cards and wallets, and the need to integrate modern payment solutions such as SoftPOS.

In addition to the opportunities that modern payment solutions offer to banks, merchants and end users, Hugo Araujo also addressed the need to raise awareness of the importance of fraud prevention solutions to address the new threats that have emerged with the accelerated digitalization of payments.

Thank you to all who participated in this panel and joined us for a glimpse into the future of payments!