Business & Product
Turns business needs into buildable products, experiences and functional definitions.
We build and evolve business capabilities for banks, acquirers and fintechs.
We design and build the platforms, digital products, integrations, data and intelligence those capabilities need, combining specialized engineering, deep industry knowledge and proprietary technology accelerators.
Clients, ecosystem and recognition
Value proposition
We build capabilities that become installed in the business.
An organization's main competitive advantage is its ability to build and evolve business capabilities. Eldar combines industry knowledge, engineering and technology assets to turn those capabilities into an operational reality.
Industry specialization
Payments and Financial Services as our specialized focus, applied to the design and construction of technology.
Specialized talent
Engineers and specialists who combine technology expertise with real knowledge of the financial industry.
Reusable assets
Proprietary technology accelerators that reduce time, risk and complexity.
Proprietary operating model
ECOS integrates method, knowledge, tools and reusable assets to build, govern and evolve capabilities.
Continuous evolution
Capabilities are built to be sustained, to learn and to evolve along with the business.
How we build
How we build business capabilities
From business need to installed capability: how we build technology combining industry knowledge and reusable assets.
Main journey
Business need
Business capability
Technology design and construction
Software + Platforms + Integrations + Data & AI
Capability installed and evolving in the client
Studios
Industry knowledge organized in Studios
Studios concentrate specialized business and technology knowledge and provide the context from which Eldar designs and builds capabilities.
Acquiring, acceptance and processing
Payment Studio
Specialized in capabilities for acquiring, payment acceptance, processing, terminals, merchants and payment ecosystems.
Main benefit
Accelerates the rollout of new payment methods and the efficiency of transactional operations.
Explore Payment StudioDigital banking, products and data
Finance Studio
Specialized in capabilities for digital banking, financial products, channels, data and intelligence applied to the financial business.
Main benefit
Accelerates financial product launches and data-driven decision making.
Explore Finance StudioPractices
Disciplines that cut across every Studio
Practices bring the specialized knowledge that runs through each industry domain. All four operate at the same level.
Platforms & Engineering
Designs and builds critical software, platforms, architectures and integrations.
Data & AI
Builds data, analytics, artificial intelligence and intelligent automation capabilities.
Human Governance
Ensures alignment, knowledge, decisions and continuous evolution of capabilities.
Operating System
The operating model that systematizes the construction and evolution of capabilities.
ECOS is Eldar's operating model to build, evolve and govern business capabilities, integrating method, knowledge, tools and reusable assets.
Explore ECOSCapability delivery models
Eldar adapts the way it works to the capability each organization needs to build, evolve or sustain.
Subscribed Capability
A specialized capability reserved to build, evolve or sustain business capabilities on an ongoing basis.
Build|Evolve|Sustain
Embedded
Talent
Eldar's specialized talent incorporated within the client's structure and operating model.
PayPods
Subscribed Capability vehicle specialized in Payments. It combines specialized talent, industry knowledge, ECOS and technology accelerators according to the mission.
FinPods
Subscribed Capability vehicle specialized in Financial Services. It combines specialized talent, industry knowledge, ECOS and accelerators according to the mission.
Capability Accelerators
Reusable technology assets that accelerate capability construction
Capability Accelerators are reusable technology assets developed by Eldar that integrate into new capabilities to reduce construction time, risk and complexity.
Payment Acceptance
Capabilities to accept card-present and card-not-present payments.
Onyra Pay · SmartPOS · SoftPOS / Tap to Pay · QR · NFC · Omnichannel · Multi-acquirer
Payment Orchestration
Intelligent transactional orchestration layer that connects and routes payments across acquirers, processors, networks and other acceptance schemes according to business rules.
Multi-acquiring · Dynamic routing · Business rules · High availability · Approval-rate optimization · Resilience and fallback
Merchant Intelligence
Information and intelligence capabilities to understand, manage and optimize merchant operations.
Merchant Portal · Analytics · KPIs · Reporting · Observability
Payment Network Management
End-to-end management of the acceptance network.
Acquirer management · Network configuration · Integrations · Operational monitoring
Terminal Lifecycle Management
The capability to manage, configure, secure and evolve the terminal fleet throughout its entire lifecycle.
TMS · Remote Key Injection · SIM Management · Inventory · Configuration · Remote updates
Onyra
Onyra is Eldar's technology platform on which payments-specialized Capability Accelerators are developed and integrated.
Payments Capability Accelerators — powered by Onyra
Application scenarios
Capabilities we can build
Payments
- Problem
- An acquirer that needs to onboard new acceptance schemes and reduce the operational friction of managing multiple acquirers and payment networks.
- Capability built
- Multichannel orchestration and acceptance capability, with proprietary business rules to route each transaction according to the scenario.
- Technology implemented
- Payment Orchestration engine integrated on Onyra, combined with Payment Acceptance for card-present and card-not-present acceptance.
- Expected outcome
- The operation gains resilience and the ability to onboard new acquirers and acceptance schemes without redesigning the integration each time.
Financial Services
- Problem
- A bank that needs to modernize a critical reconciliation process that relies on manual cross-checks across multiple systems and delays operational closings.
- Capability built
- Automated reconciliation capability, with early detection of discrepancies and extensible to new channels and transaction types.
- Technology implemented
- Reconciliation engine with multi-source ingestion, a configurable rules engine and operational dashboards, built and integrated by a FinPod.
- Expected outcome
- Operational closing moves from a manual, multi-day process to an automated flow with early alerts.
Data & AI
- Problem
- A financial institution that needs to anticipate operational and fraud risk across large volumes of transactional data scattered across different systems.
- Capability built
- Applied intelligence capability for early anomaly detection and data-driven decision-making.
- Technology implemented
- Data platform and AI engineering with scoring models and observability, integrated with the client's core systems.
- Expected outcome
- The risk team gains a proprietary, evolving detection capability, governed within ECOS.
Why Eldar
- +17 years of focus on banking, fintech and payments
- Proprietary technology platforms and accelerators: Onyra and Capability Accelerators
- Presence in Argentina, Chile and Uruguay
- Eldar Academy: in-house specialized talent training
- Member of the Argentine Fintech Chamber
- ISO 9001:2015 Certification
- Great Place To Work distinction
What capability does your business need to build?
Let's talk about how to design, build and evolve it, combining industry knowledge, specialized engineering and proprietary technology accelerators.
Let's talk