Svetoslav Dimitrov

Fintech is blooming! Traditional institutions are pressured by fintech. The accelerated digitization unlocks unlimited, uncovered niches. We enable innovative businesses on their mission to conquer such niches with both access to the complex financial infrastructure and seamless technology. We help traditional institutions respond to the challenges with world-class customer-facing applications integrated with their legacy systems. Our clients build their own mobile banking experience by just picking up the desired functionalities and services. The rest is with us. For less than a year phyre has enabled the two biggest telecoms in Bulgaria (A1 Telekom Austria and Vivacom) and the Bulgarian American Credit Bank with cutting-edge solutions. Together with phyre’s own branded wallet, we have a total of more than 300 000 users by now. We are а team that values diversity and we strive to create a vivid workplace that brings out the best of us. If you are ready to shape the future of payments and finance management – you are most welcome on board!

Paynetics is a leader in B2B payments and a digital banking platform provider. We are on a mission to simplify payments. We are pioneering a new type of FinTech company – we work to be Europe’s leading "regulated fintech" – combining the trust that comes from being an e-money institution and principal member of Mastercard, VISA, SWIFT and SEPA with the digital DNA and innovation of a fintech. We help our clients to introduce new financial services within industry-leading time to market via our digital banking platform with multiple entry-points across card issuing and acquiring, IBAN accounts, bank transfers. In e-commerce acquiring our one-stop solution combines a quick on-boarding process with robust processing technology. In card issuing we have a wide range of options for our partners. Accepted worldwide, our cards can be digitalized on a mobile phone and offer other features such as loyalty, rewards, parental control, and more besides. Our BIN sponsorship services provide the fastest and simplest way to launch a card program, significantly shortening the time to market. As a principal member of SWIFT and SEPA we offer fully functional IBAN accounts with the same facilities as regular bank accounts, but reducing administrative costs and complexity for you. We’re developing an alternative payment ecosystem - through interoperable white labelled eWallets, QR payments and world’s first Android-agnostic Software Point of Sale (POS). We work with our partners to implement any of these services as “point solutions”. But the real benefit of working with Paynetics comes from working with us across a range of services to greatly improve implementation time for you, and time to cash for your customers. We have a team of payment experts who helped introduce ATMs and chip cards to entire nations and re-established financial systems of whole countries. Whatever your payments challenge, we can help you meet it. We offer payments, simplified.

We are building a Whitelabel solution for financial institutions to provide digital assets as collateral.

Our mission is to create a platform bringing together all parties in Bulgaria with interest in Financial Technologies and provide a common ground for communication and exchange of ideas. In our initiatives, we bring together large Fintechs, SMEs, and supporting industries, as well as the respective authorities and academia to create favorable conditions for the development of digital finance solutions. The BFAs ultimate goal is to establish Bulgaria as a leading Fintech Hub in the region of Southeastern Europe.

Fintech is blooming! Traditional institutions are pressured by fintech. The accelerated digitization unlocks unlimited, uncovered niches. We enable innovative businesses on their mission to conquer such niches with both access to the complex financial infrastructure and seamless technology. We help traditional institutions respond to the challenges with world-class customer-facing applications integrated with their legacy systems. Our clients build their own mobile banking experience by just picking up the desired functionalities and services. The rest is with us. For less than a year phyre has enabled the two biggest telecoms in Bulgaria (A1 Telekom Austria and Vivacom) and the Bulgarian American Credit Bank with cutting-edge solutions. Together with phyre’s own branded wallet, we have a total of more than 300 000 users by now. We are а team that values diversity and we strive to create a vivid workplace that brings out the best of us. If you are ready to shape the future of payments and finance management – you are most welcome on board!

Paynetics is a leader in B2B payments and a digital banking platform provider. We are on a mission to simplify payments. We are pioneering a new type of FinTech company – we work to be Europe’s leading "regulated fintech" – combining the trust that comes from being an e-money institution and principal member of Mastercard, VISA, SWIFT and SEPA with the digital DNA and innovation of a fintech. We help our clients to introduce new financial services within industry-leading time to market via our digital banking platform with multiple entry-points across card issuing and acquiring, IBAN accounts, bank transfers. In e-commerce acquiring our one-stop solution combines a quick on-boarding process with robust processing technology. In card issuing we have a wide range of options for our partners. Accepted worldwide, our cards can be digitalized on a mobile phone and offer other features such as loyalty, rewards, parental control, and more besides. Our BIN sponsorship services provide the fastest and simplest way to launch a card program, significantly shortening the time to market. As a principal member of SWIFT and SEPA we offer fully functional IBAN accounts with the same facilities as regular bank accounts, but reducing administrative costs and complexity for you. We’re developing an alternative payment ecosystem - through interoperable white labelled eWallets, QR payments and world’s first Android-agnostic Software Point of Sale (POS). We work with our partners to implement any of these services as “point solutions”. But the real benefit of working with Paynetics comes from working with us across a range of services to greatly improve implementation time for you, and time to cash for your customers. We have a team of payment experts who helped introduce ATMs and chip cards to entire nations and re-established financial systems of whole countries. Whatever your payments challenge, we can help you meet it. We offer payments, simplified.

Penkov, Markov & Partners is one of the leading Bulgarian law firms. We have started to service our clients in the legal field in accordance with Western standards in 1990 immediately after the democratic changes in Bulgaria. Consequently we have gained significant expertise in almost all areas of the legal practice becoming a full service law firm. Penkov, Markov & Partners is the first Bulgarian law firm to have been awarded a Quality Management Certificate in accordance with the international standards ISO 9001:2000 and subsequently ISO 9001:2008 and ISO 9001:2015. In 2021 Penkov, Markov & Partners was awarded Superbrand of the year for the fifth time (2007, 2015, 2017, 2019), recognition for exceptional reputation of the trademark Penkov, Markov & Partners among its current and potential clients, partners and investors.