SEF LINK is the solution that positions you as the central platform for your SME clients.
With modular tools that seamlessly embed into existing eBank and mBank environments, SEF LINK enables you to enhance your service offering—without any additional development effort.
In the Open Banking era , clients may still hold an account with your bank—while
managing their daily business operations through other applications.
As a result, the bank becomes just a place where money flows, rather than the channel
through which clients run their business.
SEF LINK allows you to integrate essential business tools directly into your banking
app—without additional development, while maintaining full control and security.
Empower your app to become the central hub for business operations for micro, small,
and entrepreneurial firms.
Position yourself before someone else does.
They are accustomed to using applications that deliver immediate value—for invoicing, cash flow, and payments. If your bank doesn’t offer these tools, they are already using alternatives outside your ecosystem.
Thanks to Open Banking regulations, the door is already open. ERP and fintech tools are accessing both data and customer relationships.
SEF (Electronic Invoicing System, e-Delivery Notes) and other state digital infrastructures are rapidly evolving making your clients demand tools that are compliant and efficient. If bank doesn’t provide them, someone else will.
By 2025, clients won’t leave a bank due to lack of satisfaction—they’ll leave because another application better helps them run their business. The app they use daily becomes their new “financial center.”
More and more banks in the region are developing “business hub” functionalities for SMEs. The first to deliver value is the first to retain the client.
SEF LINK delivers strategic value for your bank.
Micro and small businesses are the largest—but often most overlooked segment. By offering the tools they truly require, your bank becomes the primary digital channel for clients’ business operations. Clients stay because they get everything in one place—directly within your banking app. This directly reduces churn and increases long-term client value.
By integrating SEF LINK modules into your mBank/eBank app, you increase daily client interactions—invoice management, payments, planning, and more. More interactions mean higher satisfaction and stronger brand affinity with your bank.
Integration with SEF LINK gives you real-time insights into client needs—liquidity issues, delayed payments, and more. This generates qualified leads for factoring, loans, and other products—without additional marketing effort.
SEF LINK is ready for rapid API integration, with options for hosting on your bank’s infrastructure or via a white-label approach. Everything is modular—your bank chooses which features to activate. No major investments, with zero compromises on security.
Security and control remain in your hands, while your time-to-market is significantly reduced.
As ERP and fintech solutions become the new “front-end” for banking services, SEF LINK helps your bank maintain a central role in your clients’ business operations.
Don’t let someone else become the interface between you and your users.
What Your SME Clients Gain Through Your App Concrete value. Daily tools. All through your own digital channel.
Full integration with the Electronic Invoicing System (SEF). Users can receive, create, send, approve, and cancel invoices—directly from the banking app.
A clear view of expected inflows and outflows over the next 14 and 30 days. Predict costs (installments, leasing, salaries, taxes) and gain insights into real liquidity. Clients know when and how much money they need—you know when to act.
Automatically send email reminders to clients who are late on payments. Improves collections and liquidity while saving clients valuable time.
Automatic notifications sent before invoice due dates. Helps users maintain healthy cash flow—without delays or stress.
Clients can easily generate invoices that are sent to:
Built-in marketplace for factoring offers. Users can submit invoices and receive quotes from multiple factoring providers. The bank can offer its own factoring solution or earn commissions through partners.
SEF LINK delivers strategic value for your bank.
No. SEF LINK is API-first and fully modular. The bank can implement only selected functionalities, all configurable to work seamlessly within the existing mBank/eBank environment.
We also support white-label solutions that require no integration.
No “must-haves” – all modules function independently.
The bank chooses which functionalities to activate, knowing that it can also add them later, without any additional migration.
SEF LINK can be hosted:
The bank chooses deployment approach in accordance with its security policies.
Yes. SEF LINK is fully compliant with GDPR and local data protection laws.
All processes adhere to the regulations set by the National Bank of Serbia.
Our team provides:
System maintenance can be included as part of the SLA agreement.
Yes. The bank can:
