Ingenio Software is a company specialized in developing intelligent, human-like software solutions for retail banking institutions, telecommunications and energy corporations, based on a neural detection engine. Ingenio has successfully developed and implemented applications for some of the most prominent Romanian companies. Product portfolio • 1999: UCS begins producing banking software • 2004: Ingenio (former UCS software division) separates from UCS • 2000: Ingenio launches SmartTel Mobile Banking, first mobile banking service in Romania • 2004: LoanApp, the most complex retail lending automation software • 2005: LoanApp SME, Small Business Enterprise lending management software • 2008: Fraud Management Tool, a tool for detecting and deterring application and transaction fraud • 2011: Ingenio launches the 2nd version of LoanApp, LoanApp v2.0 • 2012: Forced Execution Management Tool, designed to oversee the execution process • 2013: Pricing Tool The role of Ingenio in partnerships with financial institutions is to offer consultancy and to develop and implement products that provide competitive advantages, such as improving customer relationships and streamlining the decision process. Services • Custom software development and own products implementation • System integrator for Oracle, IBM and Cisco software • POS and Smart card applications implementation for Ingenico and Gemalto products • Logical and physical security integration • Fraud and risk scorecard development