Koia Consulting

BACKGROUND

Introduce your business and what you do there.

I’m the founder of Payble, a financial services company. We provide local councils with tools to simplify and improve payment experiences for residents, offering flexible billing, automated reminders, and digital payment options while integrating with existing systems.

OPPORTUNITY / CHALLENGE

What specific goals or objectives did you hire Koia Consulting to accomplish for Payble?

We hired Koia Consulting to build our initial MVP platform and assist with customer work.

SOLUTION

What was the scope of their involvement?

When founding Payble, Filip (Founder & CEO) and the Koia Consulting team acted as our founding engineers and CTO. They built our MVP platform, including architecture and front-end designs for iOS and Android. The team also handled backend development and integrations.

What is the team composition?

We worked with 2–5 teammates from Koia Consulting.

How did you come to work with Koia Consulting?

We found them through a referral. We chose them over other options because they were a great culture fit, offered good value for the cost, and had company values aligned with ours.

How much have you invested with them?

We spent between $200,000 and $500,000.

What is the status of this engagement?

The engagement lasted from May 2021–May 2022.

RESULTS & FEEDBACK

What evidence can you share that demonstrates the impact of the engagement?

Koia Consulting delivered a working prototype platform for our first customer.

How did Koia Consulting perform from a project management standpoint?

They delivered on time 100% of the time. We had regular check-ins and reviewed the progress of their work, including prototypes, screens, wireframes, and code, before moving into development and QA.

What did you find most impressive or unique about them?

Filip felt like a true partner in the project. He also brought a lot of business nous and intelligence to the work, which improved our business.

BACKGROUND

Please describe your company and position.

I am the Former Head of Product of Wonga Polska

Describe what your company does in a single sentence.

Wonga Polska is a prominent digital finance provider in Poland that has evolved from traditional micro-lending into broader fintech solutions. A key initiative in their portfolio is Wonga Pay, a modern payment and financing app that integrates "Buy Now, Pay Later" (BNPL) functionality with a digital wallet and card services, aimed at enhancing the digital payment experience for Polish consumers.

OPPORTUNITY / CHALLENGE

What specific goals or objectives did you hire Koia Consulting to accomplish?

• Design and build a scalable digital payments and lending platform
• Establish a robust architecture supporting mobile applications and backend microservices
• Enable seamless payment experiences across card networks, wire transfers, Apple Pay, and Google Pay
• Implement compliant and efficient KYC and lending processes
• Ensure accurate and reliable money reconciliation across the platform
• Integrate lending products directly into the payment ecosystem, including support for recurring charges

SOLUTION

How did you find Koia Consulting?

Referral

Why did you select Koia Consulting over others?

• High ratings
• Great culture fit
• Good value for cost
• Referred to me
• Company values aligned

How many teammates from Koia Consulting were assigned to this project?

6-10 Employees

Describe the scope of work in detail. Please include a summary of key deliverables.

The project involved the end-to-end development and market launch of "Wonga Pay," a complex fintech solution designed to modernize Wonga Polska’s product offering. The goal was to build a comprehensive mobile-first ecosystem that combined a physical and virtual VISA debit card, and a revolving debit limit (BNPL/credit functionality).

Koia Consulting was a key partner from day one. They were involved in everything: from the initial brainstorming and planning to the technical build and the official market launch. Even after we went live, they stayed on board to help us optimize the app and roll out new features.

The project required navigating complex integrations with payment processors and core wonga Backend System while ensuring a seamless, user-friendly mobile experience. As the most ambitious project in Wonga Polska’s history, it aimed to transform how customers access and manage credit in real-time.

RESULTS & FEEDBACK

What were the measurable outcomes from the project that demonstrate progress or success?

Successful launch of Wonga Pay with fully integrated payment and lending capabilities

Reduction in time-to-market through well-defined architecture and vendor selection

High reliability of payment processing across card networks and wire transfer systems

Improved user experience through seamless mobile payments like Google Pay and Apple Pay

Scalable system design supporting future growth and additional financial products

Describe their project management. Did they deliver items on time? How did they respond to your needs?

Their project management was highly professional, utilizing Agile/Scrum to ensure transparency and clear communication. They integrated seamlessly into our internal workflows, making them feel like a natural extension of the Wonga team rather than just an outside vendor.

What was your primary form of communication with Koia Consulting?

• In-Person Meeting
• Virtual Meeting
• Email or Messaging App

What did you find most impressive or unique about this company?

What impressed me most was the high caliber of their professionals and their specialized fintech expertise, which allowed them to handle complex integrations with ease. The leadership of the CEO, Filip, was great. His deep industry knowledge and management skills bridged the gap between our business goals and technical execution.

Are there any areas for improvement or something Koia Consulting could have done differently?

Can`t recall at the moment.

BACKGROUND

Introduce your business and what you do there.

I’m the CEO of Bippit, a financial services company. We provide employees with expert financial guidance, including one-to-one coaching from qualified professionals and tools to help manage their finances, aiming to reduce workplace stress and improve staff retention.

OPPORTUNITY / CHALLENGE

What challenge were you trying to address with Koia Consulting?

We needed help stabilizing aspects of our platform, tackling technical debt, adapting the resourcing of our department, updating our infrastructure, modernizing our CI/CD processes, and refining our roadmap.

SOLUTION

What was the scope of their involvement?

Koia Consulting has improved and maintained our infrastructure, stabilized aspects of our platform, tackled technical debt, supported shifts in how we run our product and engineering, improved our cycle speed, and radically improved our UX, data collection, and feedback loops. The team has also helped us execute features like AI guidance, payroll savings, push notifications, and learning pathways.

What is the team composition?

We’ve worked with 2–5 members of Koia Consulting’s team.

How did you come to work with Koia Consulting?

They were referred to me.

What is the status of this engagement?

We started working with them in July 2024, and our engagement is ongoing.

RESULTS & FEEDBACK

What evidence can you share that demonstrates the impact of the engagement?

Koia Consulting’s work has led to improvements in user sentiment and commercial success in our business.

How did Koia Consulting perform from a project management standpoint?

Koia Consulting’s project management is excellent. Their delivery estimates have been broadly accurate. We communicate via virtual meetings, emails, and messaging apps.

What did you find most impressive about them?

Koia Consulting’s flexibility and commercial alignment have been extremely helpful for the wider business

Are there any areas they could improve?

I don’t think there’s anything they can improve.

BACKGROUND

Please describe your company and position.

I am the CEO of Shuffle

Describe what your company does in a single sentence.

Consumer app and business lending

OPPORTUNITY / CHALLENGE

What specific goals or objectives did you hire Koia Consulting to accomplish?

• Android development

SOLUTION

How did you find Koia Consulting?

Referral

Why did you select Koia Consulting over others?

High ratings

How many teammates from Koia Consulting were assigned to this project?

1 Employee

Describe the scope of work in detail. Please include a summary of key deliverables.

We worked with Koia on developing and scaling our platform, and the collaboration was excellent throughout.

RESULTS & FEEDBACK

What were the measurable outcomes from the project that demonstrate progress or success?

Their engineers demonstrated strong technical expertise and contributed beyond execution, helping improve our architecture and overall system quality. They integrated seamlessly with our internal team, taking ownership of their work and requiring minimal oversight.

Given the nature of our platform, security and reliability were critical. Koia showed a solid understanding of secure development practices, and we were comfortable trusting them with core parts of our system.

Describe their project management. Did they deliver items on time? How did they respond to your needs?

They were reliable, proactive, and easy to work with. 

What was your primary form of communication with Koia Consulting?

Virtual Meeting

What did you find most impressive or unique about this company?

Overall, Koia felt more like a true technology partner than an external vendor, and I would highly recommend them.

Are there any areas for improvement or something Koia Consulting could have done differently?