Smart And User-friendly Financial Services For Everyone

IT SMART FINANCE is an international financial holding company founded in 2014. Members of our team work in Europe and Asia. We create online services that give people access to many banking services and tools.

Our conceptOpen Innovations
Hence, we are looking for cooperation with innovative startups and people with new ideas.
Open innovation is a promising way to share knowledge and technology. We are sure that thanks to our openness and striving for everything new, we will achieve more!



P2P investments

Allows to receive passive income

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PDL credit

Opens up new opportunities in the field of lending

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Automates the process of recovering debt by court for legal entities and individuals


Payroll service

Helps employees to get paid every day.

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Our Technologies

We use modern but proven technologies

  • React
  • Spring Boot
  • Clickhouse
  • Apache Kafka
  • Apache Spark
  • .NET Core
  • Grafana
  • ELK
  • Logstash
  • Docker
  • Java
  • Rabbit MQ
  • Kubernetes
  • Redis
  • Zabbix
  • ScalabilityOur backend is built on Java and Spring Boot, the interaction between the services in our system takes place through the Rest API.
  • SpeedOur systems are able to receive and process 10,000 applications per day thanks to the SOA architecture of building our services.
  • SustainabilityWe place business-critical services in a disaster-resistant cloud Tier III.
  • AnalyticsOur DWH runs on Apache Spark, Clickhouse and Apache Kafka, and we collect and aggregate business analytics in Power BI and Grafana. Each of the applications is checked by 50+ parameters of our own scoring and by 40+ parameters of the external one.

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Maxim Pashchenko — Founder


Maxim Pashchenko

Maxim is an international businessman with experience in the field of innovative technologies and is supportive of fresh, up-and-coming business trends. He has over 15-years’ experience in business management, having founded his first company in 2007. In a short time, Maxim has become one of the most well-known and successful entrepreneurs in his region. In 2013, he assembled a team of talented IT developers to create a unique FinTech platform for online consumer lending services. This platform is now the cornerstone of several fast-growing FinTech companies. Possessing such qualities as leadership, business mindset, the ability to find new opportunities and seeing the risks, Maxim determines the long-term development strategy of the group of companies and plans new business development directions.

Alex Paiella — Innovation Manager

Innovation Manager

Alex Paiella

Alex gained his experience working for many years in prestigious consulting firms (Innovation Manager at Ateknea Solutions) in 4 countries on 2 continents, as well as in public institutions of the European level. He knows how to help an aspiring startup overcome technological barriers and eliminate gaps in innovation for business development and entry into new markets. Alex raised more than 10 million euro for various digital projects from EIB. He is part of our team in Barcelona (Spain).

Tatiana Muminova — Financial Officer

Financial Officer

Tatiana Muminova

Tatiana has more than 13 years of banking experience in the field of foreign trade financing of large corporate clients, more precisely in the UniCredit financial holding and OTP Group. During her career, she was engaged in the development and support of structured financing schemes between banks from the countries of transactions, the EBRD, IFC, export agencies such as Sace, Exim, Exiar. Tatiana is experienced in organizing financing management from scratch to the point of reaching the planned targets in 6 months. In the company, she carries out financial planning, preparation of financial statements and financial risk management. Tatiana lives and works in Barcelona (Spain).

Ivan Sharafiev — Chief Executive Officer

Chief Executive Officer

Ivan Sharafiev

Ivan graduated from ESERP Business School (Madrid, Spain) with a bachelor's degree in Economics. He also has a Master's degree in International Relations and Foreign Trade at the ESERP Business School in Barcelona. In 2015, he held the position of Assistant Deputy Director of the property department of a large gas company. Ivan has extensive experience in the field of financial technologies and the advancement of startups in the European Union to the level of companies with revenues of more than 12 million euro per year. In the company, he is engaged in the development of new business lines, the launch of projects, communication with investors.

Irina Bychkova — Digital Marketing Manager

Digital Marketing Manager

Irina Bychkova

Irina has over 10 years of broad experience in high-tech global companies across European, African, and Asian markets. In 2014 working in leading freeware Browser & Search Engine, Chrome Plus in Vietnam, she built deep and solid technological knowledge combined with digital marketing strategies and sales techniques. These key assets make Irina a high-qualified digital marketing professional who is able to work in the most complex industries. In her client list, such top companies as CitiBank, Samsung, P&G, OPPO, Lenovo, Colgate-Palmolive, Lazada Group. Currently Irina lives and works in Barcelona (Spain).

Lyudmila Borodina — Chief Operating Officer

Chief Operating Officer

Lyudmila Borodina

Lyudmila has an education in the field of Finance and Credit. Before joining the IT Smart Finance team, she had been working for a large international holding company Lime Credit Group, where she held the position of Executive Director. She is responsible for the organization and control of business processes of the entire group of companies, optimization of processes and services, monitoring compliance with mandatory regulatory standards. Lyudmila always achieves her goals and objectives thanks to her perseverance and solid knowledge

Vladimir Shepelev — Information Technology Director

Information Technology Director

Vladimir Shepelev

A qualified mathematical engineer, Vladimir is a distinguished professional in the field of programming and the creation of scalable IT systems. For 16 years, Vladimir had been leading the development team of MTS, the largest mobile operator in the CIS region. He is the author of several unique IT solutions and technologies. He also helps to implement the latest developments in the company. Continuous improvement of the level of his knowledge allows him to perform projects of any complexity and find the most effective solutions.

Yuri Dergunov — Chief Legal Officer

Chief Legal Officer

Yuri Dergunov

A professional with 15 years of experience in both classical financial institutions (Societe Generale Group) and modern FinTech (Lime Credit Group). He has a degree in Law, Crisis Management, Economics and Management. Yuri is a specialist in corporate governance, licensing, AML, GR and compliance assurance. He provides reliable business support in relations with regulatory authorities and is focused on a team approach and compliance with high standards of efficiency.

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550k+Our clients
in 2022
Revenue growth of217%in 2022 compared to 2021
3k +Number of investors
in 2022
€ 53 m. Holding company’s income
in 2022
67%Growth in the number of investors in 2022 compared to 2021

Media Presence

The fact that all of the operations are carried out within one holding company enables better control of processes, reduced risk and increased profitability for the customers. This means that if one entity faces financial difficulties, the IT Smart Finance holding company can step in.

Nibble's affiliation with IT Smart Finance Holding gives the platform access to a proven business model. This structure is very advantageous for investors due to the following fact: Nibble's parent company can exercise full control over the loan originators, which reduces the likelihood of loan originator defaults.

I have high expectations from financial investment platforms, and when Nibble launched in 2020 I was very critical of the platform. However, during the past year they have revamped their site and model and I think it’s much more of a serious contender today. It is definitely one more valid alternative in the P2P lending space

The platform also has an auto-investment tool, allowing trading in P2P through Nibble to be fast and straightforward. This way, it will enable users to stay confident about reinvesting their capital each time the funds become available in their account. This is a golden opportunity for all investors, who will be able to generate attractive, frequent, and passive income as well as be part of a business model which is undergoing aggressive growth

While Nibble Financeis a relatively new platform, it looks very promising. They’re implementing more and more features that make it a user-friendly platform. Plus, they’re backed by the more prominent IT Smart Finance Group. They provide a good return for the risk you’re taking. Over time, the platform will develop itself and could become the main competitor of platforms like Mintos.

AddressAv. Diagonal, 601 – 8ª Planta,
08028, Barcelona, Spain
Contact Phone+34 649 831 938