MikraOnline loan origination on DLS, integrated with iMikro
Products used Digital Lending Solution · iMikro
Software your business runs on.
We build and implement software products and custom systems for banking, microfinance, logistics, retail and HR & payroll. Our teams support and improve them for the long term.
- Since 1996
- ISO 9001
- ISO 14001
- ISO 27001
100+ enterprises across the Western Balkans
Industrial Security License
Products & platforms, built for regulated work.
Ready modules and custom systems for banking, microfinance, logistics, retail and HR.
Microfinance
iMikro
End-to-end microfinance core and the regional market leader.
- Origination
- Servicing
- Reporting
Logistics
SmartWMS
Warehouse operations on one document spine, with a 3D floor twin and group loading built in.
- Receiving
- Picking
- Digital twin
HR & Payroll
HCM
Human capital management with payroll at its core. Monthly settled, audit-ready.
- Records
- Payroll
- Audit
Logistics
SmartTMS
Transport management for fleets and 3PL operators. Routing, dispatch, proof of delivery.
- Routing
- Dispatch
- POD
Retail & Distribution
Mercant-26
ERP for retail, distribution, and production companies. Inventory, sales, and finance on one stack.
InventorySalesFinanceBanking
ABIS Core
Core banking for commercial and development banks: accounts, lending, deposits, general ledger.
AccountsLendingLedgerBanking
Document Management
Document capture, storage, retention, and workflow for regulated archives.
CaptureStorageWorkflowAnalytics & AI
AI & Document Intelligence
Production AI for document processing, search, and decisioning at scale.
- Agents classify incoming documents and extract the data
- Handles unstructured input: scans, PDFs, Excel, email
- Routine steps run automatically; people review exceptions
Custom systems for regulated, operationally complex businesses. When a product isn't enough, we build software around your processes, data and rules.
Discuss a custom system
Putting AI to work in retail and distribution.
Explore Applied AIOur work.
Figures from systems our clients run every day.
Mikra
- 30,000+
- Online loan applications
- 33%
- Conversion on the digital channel
Raiffeisen Bank Bosnia and Herzegovina
- 500K
- Statements in production
- ~400K
- Statements on a peak cycle day
Partner MKF and Partner MKD
- 42,000+
- Active clients
- 400+
- Daily users of iMikro
- Mikra
Raiffeisen Bank Bosnia and HerzegovinaCloud-native e-statements platform on Kubernetes and Kafka
Products used e-Statements Platform
Partner MKF and Partner MKDiMikro core platform across two related microfinance organisations
Products used iMikro
Courtyard by Marriott SarajevoCustom hospitality financial planning at Courtyard by Marriott Sarajevo
Hospitality Financial PlanningERP integration- ERP integration
- Month-end actuals from the ERP feed the plan.
VOX Electronics SerbiaA closed-loop fulfilment flow including returns and re-routing
Products used SmartWMS · SmartTMS · Driver mobile app
The person who built your system answers the phone.
Implementation
Data migrated, integrations tested and users trained before go-live.
Production support
Issues are prioritised by their impact on your operations.
Ongoing development
Every change is assessed and tested before release.
Applied AI, engineered for production.
We put new models to work as soon as they prove themselves on your data.
Plugged into what you already run.
Agents work inside your systems. Your people approve what matters.
Your systems · Select one
Replay the case animationAPIs & events
Document intake
Decision layerBuilt and run by Info Studio
Model routing
Models
- Frontier language models
- Open-weight models
- Vision models
- Decision models
- Optimization solvers
- Next release (open slot for the next model)
Human approval
Your people
- Approvals
- Exceptions
Data pipeline
Reporting
- Dashboards
- Audit trail
- Loan application received
- Records and lending rules attached
- Scored against the lending policy
- Waiting for a credit officer
- Approved by the credit officer
- Logged in the audit trail
Published research.
Selected papers in optimization and data science.
- 2025Parsing CVs with lightweight modelsEfficient CV Parsing: Lightweight Models and Heuristic Methods for Diverse and Non-Standard FormatsIEEE MIPRO(opens in a new tab)
- 2021Comparing methods for sales forecastingComparison Analysis of Facebook’s Prophet, Amazon’s DeepAR+ and CNN-QR Algorithms for Successful Real-World Sales ForecastingarXiv · preprint(opens in a new tab)
- 2021Applying data science in supply-chain managementApplication of Data Science in Supply Chain Management: Real-World Case Study in LogisticsCRC Press · book chapter(opens in a new tab)
- 2020Adapting vehicle routes to real-world constraintsAn Adaptive Data-Driven Approach to Solve Real-World Vehicle Routing Problems in LogisticsComplexity(opens in a new tab)
More papers
- 2020Finding anomalies in supply-chain dataInnovative Multi-Step Anomaly Detection Algorithm with Real-World Implementation: Case Study in Supply Chain ManagementIEEE AI4Good(opens in a new tab)
- 2019Detecting anomalies in banking paymentsMulti-level Generalized Clustering Approach and Algorithm for Anomaly Detection in Internal Banking Payment SystemsIEEE EUROCON(opens in a new tab)
- 2018Predicting better warehouse product positionsPredictive Analysis based Approach for Optimal Warehouse Product PositioningIEEE MIPRO(opens in a new tab)
- 2018Credit scoring in microfinanceUsing Data Mining Approaches to Build Credit Scoring Model: Case Study — Implementation of Credit Scoring Model in Microfinance InstitutionINFOTEH Jahorina(opens in a new tab)
- 2017Improving business processes with process miningA combined process mining for improving business processIEEE SST(opens in a new tab)
Need a partner for a system you can't afford to get wrong?
Tell us what you're working on.
Discuss your projectinfo@infostudio.ba