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Profile: DSK Bank is the largest Bulgarian bank in Retail business, with some EUR 4bn in assets and the top bank in terms of retail lending, number of customer accounts and bank cards, branch network reach and number of ATMs. Right after the privatization of DSK Bank by Hungarian banking leader OTP, in 2004 a large-scale modernization of the bank was started. One of the key items in building new business and IT was implementation of a modern online banking and finance service, including Internet banking, Call center, web portals for the bank and subsidiaries. A tender was initiated to select the best option among a number of invited local and international vendors.

Solutions: dais software won the tender in categories Internet banking and web portals for all OTP group members in Bulgaria, under the brand name DSK Direct. Key point of the solution was close integration with core banking system by Metavante Banking solutions. The integration was implemented in a record time on standardized API provided by core banking system vendor and best practices were later used as a reference in other integration projects in the Bank. From the business viewpoint, started with a limited set of features for individual banking, the service functionality is constantly expanding over the standard popular banking features and flexibly following bank’s business priorities and specific product definitions such as Virtual debit card, Savings component, Online bill (utility) payments and a number of others. Currently DSK Bank has the largest base of individual online customers in Bulgaria far ahead of the next competitor. While working in DSK Bank, dais software also implemented projects such as PKI web enrollment system, Web loan origination platform, SMS notification framework and others.


Profile: Raiffeisenbank is undoubtedly one of the most dynamic banks in Bulgaria started as a green-field boutique bank with several officers in 1995 and reaching its current top 4 position with some EUR 3bn in assets and well-positioned business in retail, SME and corporate segments with a complete portfolio of banking products and services. dais software had established good relationship with the Bank with implementation of phone banking IVR system in the 90s, later the corporate web portal and call center agent banking application. In 2005 with major network project the infrastructure was enabled to host a real-time online service and a modern full-featured Internet banking was identified as a top priority.

Solutions: dais software was selected as the vendor to provide the Internet banking solution as it met the requirements for broad ready-to-run functionality and infrastructure security. Integrated with complex hybrid scheme (real-time and batch) to bank’s core – Misys Midas system, the solution provides account, loan, deposit information and a full range of payments and fund transfers, and a balanced set of individuals-specific and companies-specific features. Deployment coincided with the national IBAN project and the good planning and coordination allowed trouble-free release of the new service to the customers. Raiffeisen Online is currently the only Internet banking in a Bulgarian bank providing OTP device (by VASCO) as an option to authenticate transactions in addition to digital certificates (own and national UES). The common multi-channel platform runs also SMS services and Call Center agent banking operations. dais software has also implemented web portals of Raiffeisen Leasing and Raiffeisen Housing Center, Bill payments system and others.


Profile. West-East bank is the youngest niche bank in Bulgaria founded in 2003 to provide financing and custom services to customers with trade operations in South-Eastern Europe and the Middle East. Key stage of establishment of the bank was introduction of Internet banking, as fast as possible, with optimal functionality.

Solutions. dais software was contracted to implement the solution which had the fastest time to market of just 6 weeks from project kick-off to the roll-out and announcement for the customers. It was integrated to core Misys Midas system, and with a pre-defined set of features advised and set up by dais software.


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