In December, we shared the good news that TIS TIDE—a project we are developing in collaboration with scientists from the Faculty of Organization and Informatics in Varaždin—has secured seven-figure non-repayable funding through the IRI3 program. Last week, the official kick-off took place in Varaždin.

The core team gathered on-site. If you’ve ever battled an endless sea of forms, templates, documents, and other nerve-wracking add-ons—biting your nails in the hope that you won’t be the one facing that nightmare of a single, BUT crucial document lost somewhere in the labyrinth of a project as demanding as IRI3—then you know that every opportunity to come together and celebrate a hard-won victory is more than welcome.

Especially when it marks the beginning of a three-year research and development project valued at €2.16 million. Enough to set the chessboard and once again position TIS as one of the leading innovators in the domestic IT sandbox? Hell yeah.

Vjekoslav Majsec, one of our department heads and the captain of the project ship whose launch we are witnessing, introduces the story:

This project represents an important collaboration between a scientific institution and its research community, and a recognized company developing innovative solutions for digital transformation, based on machine learning and AI.

In other words, our AIs are already hard at work—fingers on the starting line, brains fully engaged—ready to prove their superiority in the field once again.

We are entering the project from a well-researched and informed premise: slow decision-making remains a key challenge for today’s companies. As many as 86% of managers feel overwhelmed by data, and only 20% of companies believe they make decisions quickly and efficiently.

And this is where TIS TIDE steps in.

Further details are provided by the project lead and official coordinator of our partner institution, Dr. Nina Begicevic Ređep, Project Manager for the Faculty of Organization and Informatics:

The main goal of the project is to develop a cognitive and distributed digital platform for multimodal and integrated strategic collection, analysis, visualization, and environmentally sustainable optimization of business-critical information.

Behind this complex name lies an advanced technological architecture designed to solve a modern-day problem: how to extract valuable insights from vast amounts of unstructured data—insights that are essential for high-quality decision-making—while minimizing energy consumption.

It is an AI platform that will not only collect data but, as envisioned, use processed information to support management in making better, more informed decisions—commonly referred to as informed decision-making, aimed at improving organizational agility.

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Nostalgia. If nothing else, a great marketing tool. This trend proves it—and clearly, we’ve fallen for it too. While we’d like to claim this is a serious analysis, the story started—much to the surprise of those still staring like a deer in headlights—with reheated tricks from beauty influencers. Back then, they were at the peak of milking their golden digital geese.

Et voilà. The algorithms went wild, and suddenly, the whole world is remembering where we were, what we were doing, and what we were dreaming about in 2016. One thing’s certain: not Trump.

In our small company, for example, we were dreading the consequences of Brexit. The referendum was just around the corner, and we happened to have a lot of work in the UK at the time. Fear of having to change power plugs tipped the scales, Britain gave Europe the boot, and yet—contrary to expectations—we still delivered solid results.

On the home front, we were bracing ourselves for the uncertainty of double elections.

Back then, we watched the price of a barrel of oil closely. Not out of curiosity, but because it was a litmus test of global health: would the economy accelerate or stall? Were stock markets rising? What was happening with GDP? And did it make sense to invest in new projects? Today, we don’t watch oil exchanges—we watch gas and electricity meters. Along with central bank interest rates, of course. Constants matter. Only the instruments of anxiety have become more sophisticated.

SEPA. Our most important constant, shaping our business trajectory for more than a decade. While China celebrated the Year of the Fire Monkey in 2016, for us it was a year of fire baptisms.

After a period of intensive development and testing, in 2016, SEPA stopped being a theory in domestic payment systems and became a production reality.
SEPA moved out of PowerPoint decks and into real payment traffic.
It was the year of Credit Transfer, with zero room for missteps given the fixed implementation deadlines.
We helped set up the new payment infrastructure in Croatia—through HRK and EUR NKS—and ensured that SEPA didn’t remain a regulatory footnote in banks but became an operational daily routine.

Fun fact: 20 years ago, we launched our payment application in Slovenia; 10 years later, we continued the mission at home; and in 2025, we were implementing SEPA infrastructure in Montenegro. An even better fun fact: our banking industry partners have remained loyal, which is why we continue to support our clients with SEPA. Plus, Montenegro and the rest of the region will establish new partnerships this year.

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Anyone who has ever applied for IRI S3 calls knows how long it takes for how many people in radio silence, while administrative storms rage beneath the surface. That’s exactly why it’s so rewarding to finally see the results and find your own project among those awarded seven-figure, non-refundable grants. As of last Friday, officially, TIS TIDE is one of them.

TIS TIDE starts from a simple fact: today’s organizations have too much data and too few clear decisions made on time. Instead of yet another tool, an AI platform is being developed that connects information in real time, turns it into actionable insights, and accelerates decision-making, process automation, and embedded ESG logic. For users, this means faster decisions, adaptable processes, and more efficient IT systems. For TIS, TIDE is a strategic leap toward another proprietary product—one that doesn’t just support business operations, but changes the way decisions are made.

But TIS TIDE is much more than that. For our small company, this project is a unique opportunity to further expand and deepen cooperation with the academic community—specifically with the Faculty of Organization and Informatics (FOI).

FOI emerged as the natural choice as a scientific partner because it brings together exactly what this project requires: a deep understanding of decision-making, business processes, and digital transformation, combined with significant experience in research, development, and EU-funded projects. Their research teams and laboratories focus on real problems of agile planning, analytics, and process optimization—not theory for theory’s sake. Combined with TIS GRUPA’s development, AI, and production capacities, this creates a team that knows how to turn scientific models into solutions that work in practice and withstand real business conditions.

The collaboration is structured clearly and functionally: TIS leads platform development and the implementation of advanced AI solutions, while FOI – led by Prof. Dr. Sc. Nina Begicevic Ređep – provides scientific validation, a methodological framework, and measurement systems that give the entire project depth and credibility. A joint team of more than 20 experts and scientists is entering this adventure through an interconnected structure of sub-teams, with clear leadership and continuous coordination. FOI takes the lead in defining decision-making metrics, evaluating effectiveness, and disseminating results, while our AI unit will set in motion all the smart gears needed to turn theory into what we hope will be another revolutionary AI solution on the horizon of the domestic high-tech sandbox.

We would like to take this opportunity to thank all the colleagues who patiently spent months in the trenches, quietly and meticulously knitting this monumental project together. Bravo – and now, on to new victories!

The official confirmation of this joint success was accepted on Friday by Dzenan Lojo on behalf of the project team. We would also like to congratulate all the other applicants who successfully secured their funding.

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If you’re part of the local IT sandbox and even mildly flirt with posting on business networks, you know who Dragan Petric is. Well, this week the undisputed ruler of the Croatian LinkedIn ether held his long-awaited masterclass, where he showed a packed room of information-hungry attendees how to ride LN algorithms more successfully in the coming year.

Some things have changed; others haven’t. For security reasons, we won’t go into the details of his analysis – the sensei will share what he wants, when and to what extent -but what we can say is that the guidelines he gave the audience are worth paying attention to.

The second reason we’re celebrating—because good data and knowing what to do with it always come first – is that TIS’s approach to networks has officially been named one of the best IT practices in Croatia for “LinkedIn-ing.” In a ring where unicorns rule and Goliath usually swallows David whole, authentic propaganda still, fortunately, has a place.

Now. How we caught his eye is perhaps even more interesting.

TIS is one of the oldest Croatian IT companies. We remember the Croatian Silicon Valley back when it was still thriving in Dugave. We built the infrastructure that carries the entire domestic payment traffic. We contributed to a range of products used daily by millions of people. We introduced the euro in two countries. We implemented instant payments for the largest domestic banks and, most recently, some in neighbouring markets. Financial institutions across the region recognize us as the go-to partner for digital identity. We’ve just wrapped up a massive project for Generali Investments. NDAs usually prevent us from bragging about the work we do for governments (yes, more than one), but you’ll have to take our word for it that we’ve been a reliable partner to several international public institutions for a long time.

Things are picking up speed. We’ve been playing with AI technologies since the late ’90s. We’ve been developing toys in (proto)cloud just as long. We invest continuously in research and don’t blindly chase trends. We know every boomerang eventually comes back.

SENDD is one of them. Our AI for detecting neurodevelopmental deviations in infants—developed with our partners at Poliklinika Sabol (the service is available in their offering) – caught Petric’s attention before it became commercially available. Before it swept the top innovation awards. Nearly three years later, it’s still the post that generated the highest traffic.

The post When David beats Goliath: Petric says we have the best business LN appeared first on TIS Grupa.

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.

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Berlin, Germany – 01.09.2025. – Embedded finance innovator AAZZUR has officially partnered with TIS GRUPA, a leading systems integrator with deep expertise in AI, banking, EU regulations, and digital transformation in the financial sector, to support its operational growth and expanding client project pipeline.

As AAZZUR scales up to meet increasing demand, the collaboration with TIS GRUPA will enhance delivery capacity across multiple phases of the client journey – from initial configuration to full integration and operation. The partnership will play a key role in streamlining complex fintech implementations across Europe.

TIS GRUPA brings over 120 experts, including highly skilled and certified AI specialists, IT developers, analysts, and project managers, with proven experience across South East Europe, the UK, and beyond. Their client portfolio includes leading European banking groups in these regions. With a tech stack spanning legacy systems  to modern platforms and AI-powered solutions, TIS GRUPA is a natural fit to support AAZZUR’s smart finance integrations.

“As we grow from startup to scale-up, we need delivery partners who are not just technically capable but understand the complexities of regulated financial ecosystems. TIS GRUPA ticks every box, from compliance expertise to integration experience. We are excited to move forward together”, said Philipp Buschmann, CEO of AAZZUR.

Solving Integration Complexity Together

AAZZUR and TIS GRUPA will collaborate on:

• Orchestrating multi-vendor deployments, including BaaS platforms, KYC providers and core banking systems
• Leading client SQA processes and ensuring high quality standards
• Smart Block Integration of AAZZUR’s modular smart finance infrastructure
• Supporting clients in tailoring and operationalising embedded finance services

“We’re excited to support AAZZUR’s mission of making embedded finance smarter and easier to implement,” said Dženan Lojo, CEO of TIS Grupa. “Our experience across regulatory-driven financial services makes this a powerful collaboration.”

What’s Next?

Both companies are currently working on realising the partnership’s opportunities and building joint visibility — so catch us at fintech conferences across Southeast Europe and the UK. This marks a key milestone in AAZZUR’s an TIS GRUPA’s scale-up journey as they continue to grow their reputation as trusted fintech partners, enabling banks, brands, and platforms to unlock embedded finance at speed.

About TIS GRUPA

Founded in 1989, TIS GRUPA is a trusted provider of IT solutions and systems integration services for the financial, public, and enterprise sectors. Headquartered in Zagreb with operations across Southeast Europe and the UK, the company specialises in complex integration projects, custom development, banking platform migration, AI solutions and banking regulatory compliance. TIS GRUPA’s 120+ professionals support clients with project management, business analysis, QA, software engineering, and implementation of banking technologies — from legacy systems to modern technology stacks.

More: https://tis-grupa.com/en

About AAZZUR

AAZZUR is a fast-growing fintech company specialising in smart embedded finance. Based in Berlin and London, AAZZUR enables banks, brands, and platforms to seamlessly integrate financial services into their customer journeys using modular “smart finance blocks.” Their award-winning platform offers speed, flexibility and compliance support, helping clients unlock new revenue streams and improve customer experience in the digital finance space.

More: https://aazzur.com

For press enquiries, contact:

Leila Dastyar

Senior PR Account Manager

leial@adiapr.co.uk

07720180748

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Celebrating Growth in Core and National Projects

This year, TIS GRUPA achieved great results. We expanded our core business by completing several IT projects in the financial industry. We are very proud of these accomplishments. Furthermore, TIS GRUPA also grew the scope of its IT projects with partners from other industries. As a result, our teams dedicated many hours to national IT initiatives and delivered significant contributions.

Expanding Horizons: Entering New Markets

We continue to strengthen our presence in the Slovenian and UK IT markets. At the same time, TIS GRUPA is actively exploring opportunities in new markets. DACH, ruft uns an.

Overcoming Challenges in a Turbulent Year

The past year tested TIS GRUPA with many macroeconomic challenges. Nevertheless, we expanded our teams and welcomed new colleagues, who brought fresh perspectives and energy to our work.

Recognizing Excellence: Awards and Achievements

TIS GRUPA’s teams earned well-deserved recognition for their dedication. For instance, the IBM squad became the largest European IT player in green transition efforts. Additionally, SENDD won awards as Croatia’s most innovative healthcare software, and Vineyard Angel formed a partnership with one of Croatia’s top winemakers.

Mentorship Matters: Empowering the Next Generation

Mentorship remains a key part of TIS GRUPA’s success. Our Java experts led a successful Java/Spring Academy, where they taught programming skills to many participants. Moreover, we excelled in a competition for young IT professionals, with two teams reaching the grand finale. As a result, Domagoj won a silver medal.

A Fresh Look for a Bright Future

To close the year, TIS GRUPA revamped its brand. We launched a new website and updated our visual identity. Consequently, it is now even easier to spot us at events.

Thank You to Our Partners and Future Collaborators

We sincerely thank our partners for their continued trust. For those who will join us in the future—consider this your invitation.

The post TIS GRUPA celebrates 35 years of it success and growth appeared first on TIS Grupa.

Iločki Podrumi d.d., one of Croatia’s largest and most successful wineries, was among the first in the world to recognize the immense potential of artificial intelligence in viticulture. We are especially proud that the product they use is Vineyard Angel, an AI platform we developed in collaboration with Alti Agro.

On this occasion, Vedrana Barišić, Head of Viticulture at Iločki Podrumi, shared her thoughts:

• Viticultural tradition in Ilok has been nurtured for over two thousand years, and our wines have been a globally recognized symbol of quality since the 18th century. To ensure this remains the case in the future, it is essential to keep up with the times.
• Considering the increasing challenges we face in the field—whether it’s the impact of climate change and all that comes with it or the need for more efficient resource management—maintaining the premium quality of our products, which our consumers have come to expect, will increasingly depend not only on local conditions, the expertise of our staff, or the passion we bring to our work but also on smarter use of technology.
• As a leader in innovation on the domestic wine market, we decided to take this step and collaborate with Alti Agro. Their Vineyard Angel helps us monitor our vineyards on the rolling plateaus of Fruška Gora.
• Regarding the functionalities this AI solution offers, we particularly highlight its ability to automatically count and locate missing vines as well as perform qualitative zoning of vineyards. Automatic vine tracking significantly speeds up work throughout the year, while the vineyard zoning service saves precious time during harvest seasons.

The quality of this product is also confirmed by Antonijo Kraljević, Chairman of the Board at Iločki Podrumi:

• We plan to continue using Vineyard Angel in the future to analyze the state of viticulture more effectively and to optimally plan and organize vineyard processes. With this technology, we have centralized data that allows us to make more precise forecasts in production and sales, simplifying business decision-making and predicting operational challenges.

You can find more information about this collaboration in the article by Lider Media:
How Iločki Podrumi Use Drones for Vineyard Analysis and Renewal

Interested in how Vineyard Angel can help you? Our communication channels are open! Outstanding service is just a few clicks—or a phone call—away. Whatever you prefer, our experts are ready to assist you.

The post Vineyard Angel first-hand: What do Iločki podrumi think about the platform? appeared first on TIS Grupa.

Last night’s event marked the culmination of the collaboration between TIS Grupa and Poliklinika Sabol. At this year’s VIDI AWARDS, SENDD was crowned the most innovative technological solution!

We proudly share the E-novation award with all the colleagues who have contributed to this project over the past five years. Without your efforts, this Oscar-style acceptance speech would not have been possible!

Our excitement is even greater knowing this recognition joins the ranks of previous recipients like Rimac, Photomath, and Nanobit.

The competition was fierce. Over 40 reputable innovators participated in the E-novation category, and after a rigorous selection process, 9 of the best projects made it to the final round. This victory is all the sweeter, as it comes from the oldest and most objective competition of its kind for Croatia’s high-tech sandbox.

Alongside SENDD, the projects LYNX H2 500 and Emhance were also awarded, earning recognition with the prestigious Tesla’s Golden Egg. We take this opportunity to congratulate all fellow competitors. The fact that an impartial jury, including experts from the Ruđer Bošković Institute, recognized the necessary potential in these projects is a significant achievement. History has shown that selection into this prestigious circle often signals a bright future for the laureates.

Congratulations are also due to the organizer. For the 18th year in a row, VIDI has successfully highlighted the most important innovations in the domestic IT sphere.

This prestigious award, of course, wouldn’t have been possible without the outstanding collaboration with the medical staff of Poliklinika Sabol. SENDD is, at its core, a synergistic fusion of medicine and technology, where both partners contributed equally, seamlessly uniting their areas of expertise. From the TIS side, Tomislav Strgar tirelessly led the charge, while on the medical front, Dr. Goran Krakar employed the same strategy.

Here is a joint statement:

• This award motivates us to continue expanding SENDD’s use in Croatia, the region, and globally. The solution enables parents to record video materials in the comfort of their homes, reducing the need for multiple visits to healthcare facilities, travel expenses, and thus, the ecological footprint.
• Early problem detection facilitates faster implementation of therapies and interventions, improving the child’s quality of life and reducing long-term healthcare costs. SENDD ensures access to this technology regardless of geographical or economic barriers, thereby promoting inclusivity and social justice.
• We are delighted that Futura Medical Group, which includes Poliklinika Sabol, shares our belief that SENDD represents the future of pediatrics. Without the trust of their leadership, SENDD would not be a commercially available service today. We hope that in the future, the public healthcare system will also recognize SENDD’s potential and incorporate it into its standard service package. Because children deserve it!

For more information about the awards, visit the VIDI portal:
VIDI AWARDS gathered tech elites at the Esplanade Hotel

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We interrupt the regular programming with breaking news: Last week, at the annual gathering of Central and Eastern European countries in Bratislava, TIS GRUPA was awarded the “Oscar” for IBM’s most outstanding partner in the category of fastest growth in sustainability.

This is a significant recognition for a small but mighty team. The joy is even greater when considering the size of the IT “sandbox” and the number of top-tier players creating truly revolutionary solutions within it. It’s an honor to share this playground with those guided not only by excellence but also by a commitment to long-term impact on the business community.

And now, back to our regular program.

This year, TIS GRUPA celebrates 25 years of partnership with IBM. Over this quarter-century, we’ve built a strong relationship resulting in numerous projects that have made a significant impact on the business world. We’ve earned and upheld the trust placed in us by consistently raising the bar with each new project driven by this partnership.

You’ll often hear us emphasize our connection to the domestic, regional, European, and global financial industries. Without the expertise of our small yet extraordinary team, we wouldn’t be discussing collaborations with 4 out of 5 major domestic banks, half of Slovenia’s banks, or 6 out of 10 British banks. While these achievements involved the collective effort of many TIS members, this recognition is dedicated primarily to our colleagues on the upper floors of our headquarters. You know who you are.

Especially since, as you read this, they’re preparing new and exciting solutions for all our business partners eager to step into a smarter future powered by reliable, top-quality products.

It was precisely such projects that were the focus of the two-day summit in BraTISlava (pun intended).

Between 180 and 220 tech enthusiasts from across the region gathered in the Slovak capital. As Stefano Rebanotti described it, it was a prime opportunity to exchange the freshest ideas and experiences on projects related to data, automation, and artificial intelligence.

In the front rows of vibrant discussions were Dzenan Lojo and Daniel Van Schepdael.

• “Events like this are not just opportunities to hear and see the latest developments on a regional level but also a chance to evaluate how we stand compared to competitors and whether there’s potential for collaboration on future projects.”
• “We’re pleased to report that the mission was successfully accomplished, and we’re returning to headquarters with optimism across all fronts.”
• “Congratulations to our colleagues on the well-deserved recognition. Perseverance always pays off, but it’s even sweeter when rewarded externally.”

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