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In driving digital transformation, developing strategies,
and achieving business goals
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Experts in FinTech
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Faster and higher-quality development
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Creating the best UI/UX
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Using AI tools
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Focused on business results
Your True Technology Partner
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Services
EN
Projects
Solutions
Partners
Team
Why choose us
About
Tekmates was founded in 2022 by a banker with 20 years of experience. The team includes former top bank executives and internationally recognized experts. In just three years, the company has become one of the fastest-growing IT firms in the region, delivering over 20 digital transformation projects for banks and fintech companies, reaching revenues exceeding $30 million across multiple countries, and setting a global benchmark by launching a fully digital bank in just six months. Tekmates helps financial institutions achieve their most ambitious goals.
Banker, entrepreneur, founder of Tekmates
Damir Kakiev
I spent many years in bank top management, building in-house teams and launching business lines from scratch. I often came across IT vendors with no business focus and poor-quality work, as well as consultants who did not understand banking processes. To bridge this gap, I founded Tekmates — a company that helps banks and fintech firms navigate the path of digital transformation.

We provide end-to-end solutions: from strategy and design to development and implementation. We build analytics, sales, customer service, marketing, risk management, and compliance — and take full responsibility for the results.

As a service company, we pay special attention to the quality of customer service and NPS levels. We work with precision and depth. That’s why Tekmates is a true partner in digital transformation.
Let’s schedule a meeting to discuss how we can achieve your most ambitious goals together.
Services
What you get with us
1. Technology partnership
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End-to-end digital transformation — IT, business and UI/UX audit, research, strategy, development and implementation of digital products, with ongoing support until business results are achieved.
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External IT Department — a replacement for in-house teams of fintech companies or small banks without their own IT department.
2. Ready-Made solutions
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Digital banking for SMEs and retail
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BPM
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oCRM
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Target segment — banks, MFIs, leasing and brokerage companies
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Custom IT development of any complexity based on client needs
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Suitable for all client segments: banks, fintech, govtech, e-commerce, and others
3. Outsourced IT development
4. IT Audit and UI/UX research
5. Conversion-Driven website development with marketing strategy
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IT audit
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UI/UX audit and research
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Concept and customer experience design
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Target segment — future technology partners
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Website development focused on ROI and lead generation
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End-to-end marketing strategy and UX solutions
1. Technology partnership
>
End-to-end digital transformation — IT, business and UI/UX audit, research, strategy, development and implementation of digital products, with ongoing support until business results are achieved.
>
External IT Department — a replacement for in-house teams of fintech companies or small banks without their own IT department.
4. IT Audit and UI/UX research
>
IT audit
>
UI/UX audit and research
>
Concept and customer experience design
>
Target segment — future technology partners
>
Website development focused on ROI and lead generation
>
End-to-end marketing strategy and UX solutions
5. Conversion-Driven website development with marketing strategy
Why IT development with us is faster and more effective
Why choose us
Projects
Let’s create your product quickly and help you outperform competitors
HomeCredit Bank – a digital bank in 6 months
See more
We analyzed the market and developed a digital strategy for the bank’s SME segment. Conducted a technical audit, designed the project architecture, and built a mobile application integrated with other banking services and external systems.
Customer acquisition
Loans issued via QR
Account balances
VoC
Service level
Results in 1 year
42 000
$100M
$50M
4.8
95%
6 months
Alfa-Bank – building the best bank for SMEs in Kazakhstan
Transformation and diversification of a traditional corporate bank into a digital bank for small and medium-sized businesses and retail trade.
Active clients
Transactional income
Account balances
Service level
VoC
Results in 4 years
85 000
$35M
$350M
98%
4.9
4 years
eGov Business – government eGov service
See more
We integrated public services into a mobile application to reduce user churn and increase cross-sales. Designed an interface for digital documents, added QR code generation, and enabled tax payments.
Results in 1 year
Downloads
Rating in stores
Access to eGov services
Access to eLicense services
10М+
4.8
33
399
4 months
Davr Bank – successful digital transformation in Uzbekistan
See more
We integrated public services into the mobile application to reduce user churn and increase cross-sales. Designed an interface for digital documents, added QR code generation, and enabled tax payments.
Results in 1 year
4 months
Active clients
Loan portfolio
Account balances
ROE
VoC
42 000
$100М
$429М
Top 1
4.8
Jusan Bank – online car lending
We analyzed the current car loan solutions on the market and conducted an audit of the bank’s internal systems for implementation feasibility. We integrated Kazakhstan’s government services for online vehicle registration, tax and fee payments, as well as vehicle re-registration, and developed a fully functional end-to-end car loan application process.
6 months

Our focus areas

Key directions

  • Data
    Building customer databases (internal and external) with a data-driven approach
  • Acquisition & Sales
    Mass acquisition through online and offline channels, partner networks
  • Customer Service
    Operational CRM, simple support, high NPS
  • Loans
    Credit conveyor for individuals, scoring, BPM
  • Analytics
    Segment reporting, product analytics
  • Digital Channels
    Convenient mobile and web applications with modern UI/UX
  • Government Services
    Integration with eGov, identification, tax services
  • Marketplaces
    Connection to e-commerce and ecosystems (payments, installment purchases)
  • Marketing & Positioning
    Mass campaigns, segmentation, personalized offers
  • Microservices
    Flexible architecture for scaling
  • Audits & Market Research
    IT, business, and UX audits of the retail sector
  • Middleware
    Integration of all modules on a single platform
Show more ᨆ
  • Data
    Databases of affluent clients, data-driven segmentation
  • Acquisition & Sales
    Personalized approach, private banker channels
  • Marketplaces
    Access to investment, lifestyle, and travel platforms
  • Loans
    Loan products for affluent/HNWI, flexible scoring models
  • Analytics
    BI for wealth management, portfolio monitoring
  • Digital Channels
    Premium mobile/web channels with thoughtful UI/UX
  • Government Services
    Integration with tax and property services
  • Customer Service
    Premium service, personalized CRM
  • Marketing & Positioning
    Premium service brand, personalized offers
  • Microservices
    Flexible system for complex products
  • Audits & Market Research
    IT, business, and UX audits of the premium segment
  • Middleware
    Centralized business logic for all channels
Show more ᨆ
  • Customer Service
    CRM for SMEs, service focused on speed and simplicity
  • Marketplaces
    B2B platforms (procurement, acquiring, e-commerce)
  • Loans
    Loan conveyor for businesses, scoring based on company data
  • Data
    Formation of SME databases, data-driven segmentation by industry
  • Acquisition & Sales
    Entrepreneur acquisition through partners and digital channels
  • Analytics
    Financial analytics of clients, BI for the bank
  • Digital Channels
    Web and mobile channels for businesses, merchant portal
  • Government Services
    Integration with tax and business services via eGov
  • Marketing & Positioning
    Positioning the bank as a partner for small businesses
  • Microservices
    Architecture for rapid changes and scalability
  • Audits & Market Research
    IT, business, and UX audits of SME segment
  • Middleware
    Integration of all processes into a single system
Show more ᨆ
  • Marketplaces
    Supply-chain finance, B2B platforms
  • Government Services
    Integration with tenders, procurement, tax services
  • Loans
    Corporate lending, scoring, BPM
  • Analytics
    BI, financial control, industry-specific reporting
  • Data
    Formation of corporate client databases, data-driven industry monitoring
  • Acquisition & Sales
    Focus on key industries, work through corporate channels
  • Customer Service
    CRM with personalized scenarios
  • Digital Channels
    Web solutions for corporate clients, integrations
  • Marketing & Positioning
    Brand as a corporate partner
  • Microservices
    Flexible system for customized products
  • Audits & Market Research
    IT, business, and UX audits of the corporate segment
  • Middleware
    Integration of business processes into a unified bus
Show more ᨆ
  • Data
    Formation of government client and service databases, data-driven approach
  • Government Services
    Unified platform covering 90%+ of public services: eID, certificates, subsidies, legal and business services; integration with the private sector; national big data and regulatory platform
  • Analytics
    BI, monitoring of public services and budget programs
  • Customer Service
    Creation and development of CRM systems for serving citizens and organizations
  • Digital Channels
    Web and mobile services for delivering government services
  • Microservices architecture
    Migration to a microservice system for scalability and flexibility
Show more ᨆ

Our top partners

Our clients trust us
Kiril Bachvarov
HCB Bank – Chairman of the Management Board
The Tekmates team has become our key partner in launching a new digital business for SMEs. In just a few months, we went from idea to a full-fledged product and achieved our goals, demonstrating high professionalism at every stage. We are confident in their ability to exceed client expectations and create innovative digital products.
Nurdan Aidosov
Jusan Bank – Chairman of the Management Board
Tekmates have proven themselves as a reliable partner in digital projects. The team quickly dives into tasks, offers practical solutions, and implements them with quality, ensuring sustainable results.
Abdumajid Samadov
Davr Bank – Chairman of the Management Board
Together with Damir and the Tekmates team, over the course of a year we significantly improved the bank’s key financial indicators. Thanks to their strategic approach and deep understanding of banking processes, we were able to build long-term solutions that strengthened our competitive advantages. This partnership has become an important step in the bank’s development and in increasing its efficiency.
Andrey Necheukhin
N1 Broker
JSC "N1Broker" confirms that Tekmates has been our digital partner since 2023. During our collaboration, the team quickly developed a web platform for our Reporting System, which fully meets our strategic business goals and regulatory requirements.
We would especially like to highlight the high technological expertise of the local development team and the close collaboration that helped accelerate our digital processes. We are confident in Tekmates’ ability to deliver on the most ambitious business objectives and are pleased to recommend them as a reliable partner.
Timur Norov
SQB
Tekmates has proven to be a reliable partner with unique expertise at the intersection of business consulting and technology. Their IT audit and UI/UX audit with persona development formed the foundation for a comprehensive strategy to launch the bank’s SME division.
What’s especially valuable is that after the project kickoff, the Tekmates team quickly helped establish key operational processes: a contact center was launched, the product line was updated, and technical support was organized.
As a result, we received not just reports, but a unified vision and a roadmap for the bank’s development, supported by fast and high-quality implementation.
Elizat Kubatova
Barakat Solutions
Tekmates has established itself as a reliable and responsible partner in delivering a digital project for food service locations. The team demonstrated a high level of professionalism, quickly immersed themselves in the tasks, offered practical solutions, and strictly adhered to agreed requirements.
All development stages were completed on time and with high quality, and the collaboration was marked by clear and constructive communication.
Temirlan Omarzhanov
SB Invest
The Tekmates team demonstrated deep expertise in conducting research for the brokerage sector. Their analysis helped us look at our business from a new perspective: we received not only an objective assessment of our IT infrastructure but, most importantly, gained an accurate segmentation of our audience. This allowed us to focus our efforts on key customer groups.
Parvin Alizade
FCB
We chose Tekmates as a partner to implement a number of our initiatives and were impressed by their high level of expertise.
The team demonstrated a systematic approach at every stage — starting with a detailed UI audit and discovery phase, which formed the foundation of the project, and concluding with the high-quality implementation of the digital solution itself.
We value their contribution to the development of our digital channels and their ability to deliver sustainable results.

Team
Our team includes more than 100 experts in fintech, telecom, foodtech, e-commerce, and other industries
CEO, founder
Damir Kakiev
  • Over 18 years of experience in banking management.
  • Led SME banking at Alfa, HCB, and Davr.
  • Founder of companies in IT, consulting, EV, and agritrading.
  • Member of the board of directors of three banks.
Chief Technology Officer
Ilyas Mirmanov
  • Over 17 years in IT development.
  • 12+ years in building engineering teams.
  • Led technology solutions in banks such as Kaspi.kz, Alfa-Bank, and Veon.
Head of Project Management Office
Sanzhar Abdygapparov
  • 10+ years in project management.
  • 5+ years in software development management.
  • 10+ years in fintech and telecommunications.
Chief Commercial Officer
Dana Seterkhan
  • Over 8 years in banking and finance.
  • Expertise in developing financial models and strategies for digital banks, and building client relationships.
  • Experience with Alfa Bank, HomeCredit Bank, DAR Tech.
  • Expert in business relations with China.
Chief Product Officer
Merey Zheksembinov
  • Over 10 years in IT and product development.
  • Experience in creating banking ecosystems, CRM, TravelTech, and digital services.
  • Product development for Jusan, Alfa-Bank Kazakhstan, KAZTOUR, Kcell, Beeline.
Head of sales in banking
Albina Ibitanova
  • 9+ years in international banking.
  • Expert in attracting large corporate clients in foreign trade and leading bank sales teams.
  • Experience: Alfa-Bank, Home Credit Bank.
HR Director
Maksat Adilgereyev
  • Kaspi, Ernst & Young, Home Credit Bank, Eurasian Bank, Technodom, MagnumGO
  • 12 years in HR
  • Experience building L&D from scratch
  • Experience implementing AI into HR processes
Head of Service
Madiyar Amanzholov
  • Over 8 years in the banking sector, expert in service channel development.
  • Experience in developing mobile applications for business and digitalizing business processes.
  • Work experience: Alfa-Bank, Bank Center Credit, Bank RBK, Home Credit Bank.
Head of Data & Analytics
Askhat Elyubaev
  • 6 years in banking and analytics.
  • Expertise in customer, product, and service analytics.
  • Alfa Bank, CenterCredit Bank.
Head of UI/UX
Erlan Nusubaliev
  • Over 5 years of experience in UX/UI design and digital product development.
  • Specializes in interface design, design system creation, and digital product development.
  • Experience: ATB Bank, Technodom, Airba Fresh.
  • Founder and Entrepreneur
    Damir Kakiev
    • Over 18 years of experience in banking management.
    • Led SME banking at Alfa, HCB, and Davr.
    • Founder of companies in IT, consulting, EV, and agritrading.
    • Member of the board of directors of three banks.
  • Chief Technology Officer
    Ilyas Mirmanov
    • Over 17 years in IT development.
    • 12+ years in building engineering teams.
    • Led technology solutions in banks such as Kaspi.kz, Alfa-Bank, and Veon.
  • Head of Project Management Office
    Sanzhar Abdygapparov
    • 10+ years in project management.
    • 5+ years in software development management.
    • 10+ years in fintech and telecommunications.
  • Chief Commercial Officer
    Dana Seterkhan
    • Over 8 years in banking and finance.
    • Expertise in developing financial models and strategies for digital banks, and building client relationships.
    • Experience with Alfa Bank, HomeCredit Bank, DAR Tech.
    • Expert in business relations with China.
  • Chief Product Officer
    Merey Zheksembinov
    • Over 10 years in IT and product development.
    • Experience in creating banking ecosystems, CRM, TravelTech, and digital services.
    • Product development for Jusan, Alfa-Bank Kazakhstan, KAZTOUR, Kcell, Beeline.
  • Head of sales in banking
    Albina Ibitanova
    • 9+ years in international banking.
    • Expert in attracting large corporate clients in foreign trade and leading bank sales teams.
    • Experience: Alfa-Bank, Home Credit Bank.
  • HR Director
    Maksat Adilgereyev
    • Kaspi, Ernst & Young, Home Credit Bank, Eurasian Bank, Technodom, MagnumGO
    • 12 years in HR
    • Experience building L&D from scratch
    • Experience implementing AI into HR processes
  • Head of Service
    Madiyar Amanzholov
    • Over 8 years in the banking sector, expert in service channel development.
    • Experience in developing mobile applications for business and digitalizing business processes.
    • Work experience: Alfa-Bank, Bank Center Credit, Bank RBK, Home Credit Bank.
  • Head of Data & Analytics
    Askhat Elyubaev
    • 6 years in banking and analytics.
    • Expertise in customer, product, and service analytics.
    • Alfa Bank, CenterCredit Bank.
  • Head of UI/UX
    Erlan Nusubaliev
    • Over 5 years of experience in UX/UI design and digital product development.
    • Specializes in interface design, design system creation, and digital product development.
    • Experience: ATB Bank, Technodom, Airba Fresh.
Market Leadership
Our achievements and awards
The fastest-growing IT company in Central Asia
Confirmed by Central Asian Tech Awards 2023
Best banking service for SMEs
Confirmed by Plus Award 2023
Fastest app development for entrepreneurs in Kazakhstan
Confirmed by World Business Outlook 2024
Top 20 among IT employers in Kazakhstan
Confirmed by People Consulting 2023
Top 10 companies with the strongest IT brand in Kazakhstan
Confirmed by ECOPSY Consulting 2023
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