hoomara
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Who we work with

Financial companies with something real to protect.

From neobank teams to private equity portfolios and the consultancies advising them, we work with financial businesses across Germany and the DACH region moving off legacy systems, without losing the judgment their customers trust.

Neobanks

Growth pressure meets unit economics

When every new customer costs more to serve than the last, AI has to become the operating margin, not a demo. We rebuild the operations behind onboarding, support, and compliance so cost stops scaling with headcount.

Where we start

Onboarding and KYC review · Tier-1 support deflection · Transaction monitoring triage

Lending platforms

Faster credit decisions, clearer reasoning

Speed matters, but only if every decision holds up to an auditor. We build agentic credit workflows that draft memos and surface risk, while the final call and its rationale stay with your team.

Where we start

Credit memo drafting · Document intake and extraction · Covenant and exception monitoring

Banks & insurers

Legacy core systems, modernized carefully

Decades-old core systems cannot be ripped out overnight. We move operations to agentic, AI-native foundations in a sequence you can defend to the board and the regulator, without betting the balance sheet.

Where we start

Back-office reconciliation · Claims and dispute handling · Regulatory reporting prep

Insurtechs

Claims and underwriting, rebuilt around judgment

Queues and manual review make service slow and inconsistent. We rebuild claims, underwriting, and service around AI that prepares the work, so your specialists spend their time on the calls that actually need judgment.

Where we start

First-notice-of-loss triage · Underwriting file assembly · Policy-service automation

Private equity & portfolio companies

Value creation across the portfolio

AI in the deal thesis only counts if it shows up in the numbers. We work directly inside financial portfolio companies to ship the operating improvements the pitch deck promised, not just the pitch deck.

Where we start

100-day AI leverage audit · Cross-portfolio playbooks · Operator-led build sprints

Embedded finance

Operations that scale with partners, not headcount

Every new partner multiplies compliance and support load. We build the operational backbone so onboarding a partner does not mean hiring a team, and so controls hold consistently across all of them.

Where we start

Partner onboarding & due diligence · Compliance monitoring at scale · Support and dispute routing

Consulting & advisory firms

The build team behind the strategy you sell

You have the client relationship and the strategy. We are the embedded engineering team that turns it into shipped, production AI systems, under your brand or ours. Your advice, delivered.

How we partner

White-label delivery · Joint client engagements · Referral partnerships

Not sure if this is you?

If you run regulated financial operations and legacy systems are the ceiling on what you can build, it is you.

We are honest about fit. A 30-minute call is enough for both of us to know whether an embedded AI transformation makes sense for you right now.