We are a brand
without limits
We are present in each phase of the credit lifecycle, providing confidence, momentum, future, and connection.
We are a brand
without limits
We are present in each phase of the credit lifecycle, providing confidence, momentum, future, and connection.
ubimia
ubimiaOur essence
ubimiaOur Essence
Our essence is applied technological innovation to the transformation of companies and the improvement of people’s experience.
We believe in progress whose main axis is knowledge based on data intelligence and the ability to generate value in each decision.
We are:
Confidence
Because we turn data into information,
and information into knowledge.
Momentum
Because we help companies grow.
Future
Because we design technology that transforms.
Connection
Because we make every process count.
Our Compass:
Our Compass:
Purpose
Promote the development of the welfare society by improving credit processes, allowing them to be more inclusive and increase market confidence.
Mission
We optimize the credit lifecycle in its different phases and processes through data intelligence and our proprietary technological solutions.
Vision
To lead a new form of credit management in Europe and Latam.
TrajectoryDiscover our history
PFSTECH becomes ubimia
Ubimia is born with the purpose of promoting the development of the welfare society by improving credit processes.
finstreet
The incorporation of finstreet marks a key milestone in the consolidation of PFSTECH in Europe.
ZIQY
The incorporation of ZIQY expands borders and opens its focus to the circular economy sector.
EMC LEGAL SOFTWARE
The incorporation of EMC expands PFSTECH’s technological offering in the legal sector
BURO365
PFSTECH strengthens its presence in Peru with the integration of BURO365
GRUPO INNOVA
PFSTECH increases its commitment to the SME market with the integration of INNOVA
AIS GROUP
PFSTECH integrates the pioneer in Artificial Intelligence AIS group
pfs is divided into 2 companies
The group makes the decision to spin off its businesses into two independent companies: pfsLEGAL and pfsTECH&DATA
Kineox
The technology company Kíneox is integrated into pfs, which allows us to join forces to lead the digital collection and recovery market
AnaCap supports pfs
The English capital fund AnaCap Financial Partners, enters the shareholding of the Spanish pfs to boost its growth.
LexTools
We added the company LexTools, expanding our capabilities to serve the legal market through technology.
Portugal
We opened a pfs office in Lisbon, Portugal, this being our first step in the internationalization of the company.
Retail and Ventures Area
In order to increase and diversify the customer base and also to generate and enhance new intellectual property, the line of retailers and ventures is born.
pfs is established in Mexico
pfs crosses the pond with the integration of the technology company Telepro.
Waavi
Second M&A operation, in which we incorporated Waavi as a disruptive innovation laboratory, which provides us with the capacity for «Innovation made fast&smart».
New line of specialization towards the insurance market
To bring our software products and digital platforms to the insurance market, we created a line of specialization that allowed us to align with the specific needs of this sector.
ABA and ASSISTO
Our first M&A operation focused on integrating traditional legal business to transform it into a digital service platform and expand our capabilities. This is how we became the market leader.
We expand markets for our software products
We expanded and diversified the target markets, opening our technology to customers from other segments.
Expansion of the legal services platform
In order to efficiently transform the legal process of large corporations, we expanded the digital platform and integrated procurement as an essential part to solve it end-to-end.
First digital service platform: legal business
We launched our first specialized service in digital platform format, supported by the strong know-how of the business process and the software products that were already a success among financial clients at that time.
New businesses and focus on software product
In 2008 is when the pfs we know is really forged. The capabilities are expanded, adding the consulting business and the software products business to the training, still very focused only on the niche of banking credit risk.
Creation of pfs
In 1999 the seed of pfs is created, whose original mission was to train bank and savings bank employees in matters of credit risk.
ClientsWhere our clients are
ClientsWhere our Clients Are
- Germany
- Argentina
- Austria
- Cape Verde
- Chile
- Colombia
- Ivory Coast
- Ecuador
- El Salvador
- Slovenia
- Spain
- United States
- France
- Ireland
- Italy
- Luxembourg
- Mexico
- Morocco
- Norway
- Paraguay
- Peru
- Portugal
- United Kingdom
- Dominican Republic
- Uruguay
- Venezuela
ubimia offices
- Germany
- Argentina
- Austria
- Cape Verde
- Chile
- Colombia
- Ivory Coast
- Ecuador
- El Salvador
- Slovenia
- Spain
- United States
- France
- Ireland
- Italy
- Luxembourg
- Mexico
- Morocco
- Norway
- Paraguay
- Peru
- Portugal
- United Kingdom
- Dominican Republic
- Uruguay
- Venezuela
ubimia has its headquarters in Madrid and offices in Valencia, Barcelona, Paris, Münster, Lima, Buenos Aires, Mexico City, Santiago de Chile and Bogotá.
We work with clients in 26 countries around the world.
