Leadership

• Vasile Tămaș — Co-founder and Product Owner, until April 2026.
• Lucian Cramba — Co-founder and COO.
• Laurențiu Voica — Co-founder.
• Karles Kirschner — Co-founder.

Short Introduction

Beez is a Romanian embedded-finance company providing financial institutions with a white-label shopping application that combines merchant discovery, point-of-sale financing and seamless digital payment experiences.

About the Company

Founded in 2018, Beez initially developed a consumer-facing shopping platform combining cashback rewards with Buy Now, Pay Later functionality. Its current positioning has evolved towards a business-to-business technology model serving banks and other financial institutions.

Beez provides a plug-and-play, white-label shopping application that can be integrated into an institution’s existing digital banking ecosystem. The platform connects financial institutions with a network of online merchants and allows customers to discover stores and shop through an in-app browsing experience.

At checkout, the solution can support instant financing and split-payment journeys. It also facilitates payment flows based on a one-time virtual card, enabling the merchant to receive the full purchase amount while the customer repays the financing according to the conditions established by the financial institution.

Through this model, Beez helps financial institutions expand their presence in e-commerce, introduce embedded consumer-finance capabilities and increase customer engagement. The company’s website presents tbi bank as an implementation partner.

Products & Services

• White-label shopping application — A customisable shopping platform designed for banks and other financial institutions.
• Embedded point-of-sale financing — Integration of instant-credit and instalment-payment options into the online purchasing journey.
• BNPL and split-payment journeys — Technology supporting purchases divided into instalments, subject to the financing partner’s eligibility and contractual terms.
• Merchant marketplace and in-app browsing — Access to participating online merchants through an integrated shopping interface.
• Virtual-card checkout workflow — Support for one-time virtual cards that can be used to complete purchases with online merchants.
• Cashback and rewards functionality — Merchant-funded benefits designed to encourage customer engagement and repeat purchases.
• Banking-platform integration — Plug-and-play integration with existing digital banking applications, credit flows and customer-facing services.
• Customer acquisition and engagement tools — Shopping and financing experiences that help financial institutions strengthen their digital consumer proposition.

Licences & Regulatory Status

BEEZ SOFTWARE S.R.L. is registered as a Romanian software company, with custom software development listed as its principal business activity. The public information reviewed does not identify the company as a bank, non-banking financial institution, payment institution or electronic-money institution.

Beez currently presents itself as a technology and white-label platform provider for regulated financial institutions. Consequently, regulated activities such as lending, credit assessment, account or card issuance and payment-service provision appear to be performed by the institution deploying the Beez technology rather than by BEEZ SOFTWARE S.R.L. itself.

For example, TBI Bank EAD Sofia – Bucharest Branch is registered in the National Bank of Romania’s Credit Institutions Register under number RB-PJS-40-068/30.08.2012. TBI Bank legal and regulatory information

Described as a fintech technology provider working with regulated financial institutions, rather than as a directly licensed lender or payment institution.