28/10/2025

Back to the roots: October marked by SEPA

 

AI buzz may have taken over the algorithms, but from time to time, it’s necessary to reset the story to factory settings. Our biggest strength has always been—and remains—the financial industry, and the crown jewel of TIS’s regionally recognized expertise is SEPA. Montenegro is now entering the SEPA payments area through the front door.

While keyboards are overheating and sore fingertips are being carefully tended to, momentum isn’t slowing down. Quite the opposite. These days, we’re simultaneously supporting the launch of several colossal SEPA projects—both in our own backyard and in new sandboxes.

Since the past few weeks have been particularly intense on the payments front, we grabbed the alpha and omega of our SEPA unit, who is coming on air with some solid news.

Vjekoslav Martinčić.

  • As of October 9, 2025, all Croatian banks enable SEPA instant payments. TIS teams contributed significantly to this effort, supporting our clients in the successful implementation of instant payments alongside parallel changes to the SEPA rulebook for regular payments.
  • TIS experts have experience in developing national clearing systems for regular and instant payments and actively support domestic banks through project leadership and consulting, business analysis and specification, development and implementation, as well as testing of regular and instant payments using our own tools (TIS Payments Modules and Test Creators, enhanced by AI4Payments).
  • We are particularly pleased to report that, together with our partners in Montenegro, we have just completed a project implementing cross-border SEPA credit transfers for one of the largest regional banking groups.
  • New regional opportunities in the SEPA domain are already on the horizon, and our payments experts are more than ready for them—so we hope to interrupt the regular news program more often with breaking updates like this.

We celebrated these successes with our partners mid-month on their home turf, brought together by the INFINTECH conference.

Dženan Lojo personally led the delegation.

  • The conference brought together the very top of the regional financial industry. Opportunities to see such a dense concentration of decision-makers in one place are rare, which made this a perfect moment to present ourselves in the best possible light.
  • Kudos to the organizers for a flawless job, an excellent program, and a top-tier networking environment. It would be unfair not to single out a special content highlight: the contribution of Suzanne Williams, who cut through important—but familiar—banking topics with her years of experience freeing hostages from the brink of certain death. Our industry may not be that literal, but it has a far-reaching impact on many more people. Like Susan, we don’t know the exact number of lives we’ve made easier with our solutions—but we remember damn well every moment when things got tight. Fortunately, those moments were fewer than the fingers on one hand.