We are welcoming INCAT as part of the BFA community. By joining the association, INCAT signifies their commitment to expansion and collaboration in the Bulgarian fintech sector.


INCAT specializes in the development of software and systems tailored specifically for the banking and fintech sectors. At the heart of INCAT’s offerings lies their core banking system, BOS. This comprehensive solution equips modern financial institutions, including fintech companies and neo banks, with the essential tools required to thrive in today’s digital landscape. INCAT’s solutions not only facilitate the creation of unparalleled financial products but also contribute to enhanced operational efficiency, cost reduction, and superior customer service.

Currently, INCAT is actively engaged in the initial implementations of its system for clients based in Bulgaria, while also extending its services to clients across the broader region. Notably, the impact of BOS extends beyond Bulgaria’s borders, as it plays a pivotal role in driving forward innovative fintech initiatives in countries like Lithuania and Hungary.

Why BFA?

“We believe that the BFA is a valuable resource for our company, and we look forward to working with other members to advance the fintech industry in Bulgaria.” – says Piotr Hanusiak, CEO of INCAT. In addition, he emphasises the importance of the Bulgarian market for the growth of the company.