Bondora is a leading European fintech based in Tallinn, founded in 2008, that has evolved from a P2P lending pioneer into a digital platform for simple investing and consumer credit across Estonia, Finland, Spain, and the Netherlands.
.NET
AI
Backend
Self-Service
Challenge
Bondora needed a system that could efficiently manage loans and a range of financial products across multiple markets — without the rigid workflows that often slow multi-country lending operations.
Solution
Modular workflow architecture. An information system built around modular workflows that can be configured per product and per market.
Financial data integration. Integrated with the financial data sources needed to run lending operations across four countries.
Result
Streamlined financial operations across multiple European markets.
Workflows that adapt to product- and country-specific requirements without code rewrites.
Key takeaway
In multi-market lending, the system that wins is the one whose workflows can be reconfigured for the next country without re-engineering the core.
Betsafe, part of the publicly traded Betsson Group, operates an online gaming platform across 20+ markets in Europe and South America.
Development delivered
100 000+ hours
Engagement value
4-5M €
Challenge
Every market Betsafe operates in has distinct responsible-gaming rules — self-exclusion systems, betting and loss limits, mandatory reminders, evolving tax laws, and local KYC requirements. Implementing each one on a legacy platform was the bottleneck slowing geographic expansion.
Solution
AI-accelerated compliance work. Microsoft Copilot and other tools help rapidly analyze and implement country-specific regulations, with AI-assisted code generation for responsible-gaming features.
Modern stack migration. .NET backend, TypeScript frontend, and migration to a Fabric architecture for performance, mobile responsiveness, and stability under high-traffic events.
Dedicated long-term team. An external Srini team owning high-responsibility platform components and integrating with payment, campaign, and customer-management systems across markets.
AI in QA and review. GitHub Copilot, Cursor, and ChatGPT Pro across the development lifecycle reduce manual testing time while increasing coverage.
.NET
AI
Backend
Result
Betsson Group can launch Betsafe in new countries materially faster than before.
Automated compliance monitoring across all active markets.
Player protection features that exceed legal minimums in every jurisdiction.
Reduced technical debt through systematic refactoring of legacy code.
Key takeaway
Multi-market regulated platforms don’t have to choose between expansion speed and compliance excellence — AI-accelerated development lets you have both.
Working with SRINI has been a consistently positive experience for our team at Bondora. When we first engaged them, we needed a development partner who could hit the ground running in a complex, regulated fintech environment — and SRINI delivered exactly that.
Pärtel Tomberg
CEO / Owner - Bondora
SRINI has been an essential technology partner for Modena from day one. Their team truly understands the fintech landscape and consistently delivers reliable, scalable solutions that keep our installment payment platform running smoothly. What we value most is their ownership mindset — they don't just execute tasks, they think alongside us.
Oliver Matt
CEO - Modena Estonia
SRINI helped us build the tech backbone that makes food rescue retail actually work at scale. From inventory systems to our customer-facing platform, they understood that speed and reliability aren't optional when you're dealing with perishable goods and tight margins. A partner who gets both the mission and the mechanics.
Joosep Kaljula
CEO - Sumena
Our partnership with SRINI goes beyond a typical vendor relationship. As a strategic investment and development partner, SRINI has consistently proven that they deliver on their commitments — both technically and commercially. They bring structure, transparency, and genuine expertise to every project we co-develop. It's rare to find a software company that thinks like a business partner, not just a service provider.
Kristian Hein
CEO - LEI System
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