z3x.io

Whether you want to implement cutting-edge technologies or reshape your business model, we are a trusted partner in effective and lasting transformation.

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Our Services

	Consulting Business consulting that drives action. From strategy to execution - our consulting helps you make better decisions and move faster in the areas that matter most. Learn More
	Software development Modern software development - from idea to launch. We design, build, and scale custom digital products that solve real business problems. Learn More
	Trainings Upskill your team with trainings built around your business. We design and deliver hands-on workshops that bring real results in FinTech, AI, e-commerce, and more. Learn More
	Audits We dive deep into your processes, tools, and strategies to find what works and what doesn’t. Our audits help you identify blind spots, bottlenecks, and opportunities for improvement. Learn More

Featured Case Studies

Real solutions, measurable impact - discover how we help companies turn complex challenges into digital success.

	Transforming mPay from m-Commerce to FinTech Consulting Read Case Study
	Gamification in Debt Collection: Wandoo Finance’s Journey to Higher Engagement and Faster Payments Software development Read Case Study
	B2B E-commerce Platform: Building a Scalable Platform for a Leading European Importer Software development Read Case Study
	Toro API platform for TORO Invest Software development Read Case Study
	Dev Zone for global FinTech company Software development Read Case Study
	Website building for Easysend Software development Read Case Study

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Industries We Serve

	FinTech We help fintechs and ambitious companies build smarter financial solutions.
	EdTech We help EdTech companies, schools, and course platforms create better digital experiences.
	AI Automation We help businesses automate work using AI tools.
	E-commerce We work with e-commerce brands, B2B platforms, and marketplaces.

Premium services

	Online payments Smarter online payments, built around your business. We help you choose, implement, and optimize payment solutions that increase conversions and reduce costs. Learn More
	External Head of Payments Get a seasoned Head of Payments without hiring full-time. We provide leadership, strategy, and execution tailored to your payment needs. Learn More
	External FinTech Business Development Outsource your FinTech business development to experts who understand the market. We bring strategy, connections, and execution under one roof. Learn More
	FinTech Consulting Fintech consulting built for real-world execution. We help fintechs and non-fintech companies make smarter decisions, reduce risk, and bring their financial innovations to life. Learn More

Trusted by Leading Companies

We're the best!

Seriously!

What They Say About Us

"The z3x team provided comprehensive support throughout the design and development process of our new mobile application - from the initial concept, through product strategy development, to the final implementation. The collaboration covered both the technological and business aspects, with every stage carried out with great attention to detail and quality. The team demonstrated an excellent understanding of our needs, high flexibility, and the ability to efficiently address emerging challenges. The implementation of payments was just one of many well-executed components in this complex project."

Piotr Pszczolkowski
CEO, Teamee

"Working with the z3x team on auditing our processes proved to be very valuable. We received a detailed analysis of existing solutions, reliable research, and specific recommendations for changes and improvements. The team demonstrated extensive knowledge of the industry and the ability to combine business and technological perspectives. The entire process ran smoothly, and the materials prepared provided a solid basis for further optimization activities."

Piotr Birski
Chief Product Officer, PayPo

"The z3x team demonstrated a high level of professionalism and an excellent understanding of the specifics of the FinTech and e-commerce market. The audit, detailed analysis of the competitive environment, and local customer expectations provided us with valuable data that really supported the decision-making process and planning for the launch of new services. We appreciate the strategic approach, timeliness, and quality of the materials prepared. The cooperation went smoothly and fully met our expectations."

Sebastian Ramatowski
Head Indirect Sales Poland, Worldline

Latest Reports and Articles

	FinTech Trends in CEE 2024/2025 Category: FinTech Date: July 7, 2025, 7:19 p.m. Author: Karol Zielinski Read More
	Gen Z & Millennials vs FinTech Category: FinTech Date: Aug. 8, 2025, 2:24 p.m. Author: Karol Zielinski Read More
	Tech Marketing vs Traditional Marketing Category: Marketing Date: Aug. 8, 2025, 2:16 p.m. Author: Karol Zielinski Read More

More reports

Explore z3x Brands and Products

	FinTech events across Poland FinTech Trends Poland FinTech Trends Poland is a recurring event that brings together the financial industry, tech innovators, and AI enthusiasts, focusing on the latest trends and solutions shaping the world of FinTech. Categories: FinTech/Events/Webinars/Education Learn more
	School and education payments Eduwallet Eduwallet is a smart platform designed for schools and educational institutions, helping them manage payments, documents, and communication with parents in one simple place. It streamlines everyday processes and brings clarity to school finances - for both institutions and families. Categories: EdTech/Education/FinTech/Trainings Learn more
	Event payments Payevento Payevento is a simple and powerful tool for event organizers, allowing them to easily sell tickets, accept payments, and manage attendees - all in one place. It's built to streamline the entire event payment process, from setup to check-in. Categories: Events/FinTech/Online tickets Learn more