AFI’s mission is to make a real impact in the fight against financial and social exclusion in Greece by helping unemployed people create their own jobs and by helping existing businesses grow through access to funding of up to 10,000 euros in the form of microloans and free-of-charge pre and post disbursement business development services.

The mission of 'Besa Fund' is to contribute to the Albanian economic growth and poverty reduction in the urban and semi urban areas by promoting micro and small enterprises.

Natech Banking Solutions democratizes access to banking technology and liberates resources, allowing financial institutions to prioritize what's most important— outstanding service and customer fulfilment.  

Our comprehensive product suite, encompassing everything from a core banking system to digital engagement channels layer, enables banks to craft and deliver personalized financial products. Catering to a diverse clientele that ranges from lively credit unions, local community banks to forward-thinking regional financial institutions, Natech stands as a pillar of technological advancement in banking.

Our platform exemplifies ease and efficiency, providing seamless onboarding and unparalleled accessibility that guarantees financial institutions a swift time-to-market. As the provider of plug-and-play, end-to-end solutions built on modern cloud-native modular technology, it empowers banks with the agility to swiftly launch products and seamlessly adapt to the dynamic landscape of finance.

The ecosystem and API integration strategy are tailored to enhance functionality, delivering precisely what is needed with cutting-edge features, thereby ensuring operational costs remain lean throughout the entire lifecycle. Natech Banking Solutions has played a significant role in introducing a digital-only bank, Snappi, focused on serving Greece and Europe, marking a leap forward in the Banking-as-a-Service sector.

This effort combines Natech's twenty years of experience in the banking industry with the launch of Snappi, aiming to contribute to the evolution of Natech's technology. The collaboration also intends to offer practical benefits to the Natech banking community, ensuring access to modern and efficient banking technology.

Background & mission

Certified with the European Commission's Code of Good Conduct for Microcredit Provision, NOA is the direct result of a donor-supported non-profit microfinance project aiding the most vulnerable areas and populations of Albania, particularly rural ones, with the objective to boost the transition towards a free and competitive market economy following the end of the communist regime. The project started in 1998 under the name of "Albanian Partner in Microcredit". It preserved its non-profit status until 2007 when it was officially licensed by the Central Bank of Albania as a Non-Bank Financial Institution.

With this new status, the project started to implement higher regulatory requirements increasing significantly its market coverage, its financial performance ratios and managerial standards. Due to these positive results, the initiative gained in independence by successfully overcoming its donors-backed project status. For the first time in Albania, a microfinance institution would be transferred to a fully owned foreign shareholder: NOA Holdings N.V. It is at this specific moment that NOA got his current nomination and ownership structure as an independent financial institution owned by private capital. Due to this legacy, NOA kept a constant focus into supporting socially-driven investment projects that were promoting job-creation, youth & women professional insertion, farmers' modernisation, environmental-friendly businesses, artisanal renewal, etc. that wouldn't be funded otherwise by the banking sector due to their lack of collateral and informal business status.

Innovation was also a key element serving as a solid ground for NOA's market expansion and institutional consolidation. NOA was the first Albanian MFI to introduce mobile tablet banking technologies with the objective to ease and accelerate the funding process for remote entrepreneurs and farmers. NOA has also introduced, in parallel to a performing call-center, new communication technologies allowing its beneficiaries to apply for online funding and benefiting a higher customer service quality.