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BankConnect is a could service developed for business users who need to collect and process their financial data in real time, 24 hours a day. It relies on EU PSD2 regulation and enables seamless integration of the company’s IT system with their bank.
As licensed Account Information Service Provider (AISP), Gaurus can connect to any bank in EU area and provide a single interface for companies wishing to connect their bank accounts (one or more) with their IT system regardless which bank they use for business.
Through this interface a company can fully integrate their IT system with bank systems and automate any business process depending on actual financial information such as bookkeeping or streamlining delivery process upon receiving customer payment.
F-Credit is a cloud service for credit risk assessment developed for companies involved in granting loans such as banks, credit institutions and leasing companies, but also for companies who offer their products and services with the option of deferred payment and installments. The service provides a detailed report on the financial behavior of the customer which can then be used in decision making process.
F-Credit service relies on EU PSD2 regulation and our AISP license enables us to collect and process user’s financial data regardless of the bank in which he/she has accounts. Upon user’s consent, it provides insight into various types of key financial parameters that are important to the credit provider when deciding on approval.
F-Credit process is fully digitized and automated. It can be easily integrated into the approval process of any company seeking to improve its decision-making processes for loans approval.
Our IT experts and developers have extensive experience in the design and development of the ITMS (Integrated Tarrif Management System) in Croatia. When Croatia was approaching EU membership, we built and deployed several projects through EU-funded programs. Since Croatia's accession to the EU we have actively participated in all projects related to the maintenance and upgrading of the ITMS system for the Zoll Administration of the Republic of Croatia.
Being the key paetner in delivering these projects, we also gained valuable business knowledge about EU customs operations necessary for the development of the EU customs tariff management system. Because of it, today we can proudly say that we are leading experts in tariff systems in our region. Our competences include detailed knowledge of the Taric data model and algorithms for customs duty calculation, as well as knowledge of accompanying business processes related to customs quotas, surveillance and binding opinions.
Through partnerships with companies Combis d.o.o. and APIS IT d.o.o. we are still developing and maintain vital ITMS systems for the Zoll Administration of the Republic of Croatia. In the region we are present in Macedonia through a partnership with Asseco SEE dooel. We strongly believe that our competences will be recognized also in other countries. We hape that we will have the opportunity to contribute to the development of the customs business system in all countries who's goal is to become members of the European Union.
ODPP&PP ist eine Anwendung zur Berechnung von Abgaben im Reiseverkehr und zur MwSt.-Erstattungsprüfung, die von unseren Experten in Zusammenarbeit mit der Firma Combis d.o.o. entwickelt wurde.
Aufgrund unserer umfangreichen Erfahrung in der Entwicklung von Systemen zur Pflege des Zolltarifs und der Abgabenberechnung für Unternehmen hat unser Team auch eine Anwendung für den Reiseverkehr implementiert, die ein Modul zur automatischen Abgabenberechnung auf Grundlage der Taric-Daten enthält.
Damit wurde eine einheitliche Methode der Abgabenberechnung im Reiseverkehr eingeführt, eine bessere Durchsetzung von Kontrollen sowie die Verhinderung des Missbrauchs von Vergünstigungen. Durch die hervorragende Zusammenarbeit mit dem Zoll-Projektteam, das von Anfang an Kollegen von den Grenzposten einbezog, wurde ein System entwickelt, das auf die operative Arbeit der Zollbeamten an den Grenzposten zugeschnitten ist.
Die Anwendung wurde am 01.01.2025 in den Produktivbetrieb genommen und ersetzte die bisherige Anwendung zur Abgabenberechnung im Reiseverkehr. Zusätzlich wurden neue Funktionalitäten für die zentralisierte MwSt.-Erstattungsprüfung sowie die Erfassung von Pflanzen und Tieren eingeführt.
mDigital is a centralized IT system for managing all business processes related to the issuance and sale of electronic goods. The system was developed as a turnkey solution for the mStart company (part of the Fortenova Group). It is used for the distribution of various types of electronic goods - from prepaid vouchers for top-up mobile tariffs, through vouchers for various types of online services, to lottery products.
For more information please visit www.mstart.hr.
In cooperation with the most popular mathematics professor in Croatia and our famous blogger Toni Milun, we developed the mobile application "Toni Milun". The current version of the application contains calculators that provide insight into very useful information such as the optimal calculation of the tax return (Popodica) and the calculation of the loan repayment plan with a comparison of different lending parameters (Kreditorko).
The development plan for the "Toni Milun" mobile app includes implementing the functionality which will enable mobile users to get entire Toni Milun educational content which is currently only available via the web interface. We also plan to include other useful calculators, mainly in the field of financial education.
For more information please visit www.tonimilun.hr.
Gaurus is a software development team specialised for producing high performant, robust software built to run with high availability for years to come once it's deployed. Real time transaction processing, inter system communication, complex business rules, encrypted messaging, protocol stack development, machine learning, etc. – these are all features we have dealt with in the past and we're certain this experience will prove beneficiary to our future projects as well.
Java/JavaEE, PostgreSQL, Flutter, Python, vue.js are technologies we’re most confident with. Our preferred deployment platforms are Linux, Wildfly/JBoss and Docker. Although we’re not afraid of any new technology, we are perfectly aware of the challenges that come with it, hence we’re not quick to jump into something new without trying it on some smaller project first.
We're more interested in functionality, performance and optimisation than in attractive visual design, so we normally outsource UX/UI design to our trusted professional partners. That said, if the project consists mainly of visual design without much of business logic behind it, then it probably isn't ideal for us.
We prefer direct and straight communication with our clients, rather than gold plating. Therefore, we will never promise to deliver if we're not certain we can actually do it. Such attitude has brought us long term projects and trusted partners in the past and we're confident it will bring more in the future.
Gaurus in Zahlen:
Hauptsitz: Jablanovac 27, 10000 Zagreb, Croatia.
Büro: Koturaška 69, 10000 Zagreb, Croatia.
mail: info@gaurus.hr
OIB: 87359785969
IBAN: HR1423600001102571570 - Zagrebačka banka d.d.
© 2025 Gaurus d.o.o.
