FinTech heritage. AI-powered future.
Business Technology Services was founded in 2014 to close a gap that banks across the MENA region experienced repeatedly: powerful payment infrastructure existed, but was priced and packaged for markets and institutions far larger than most regional banks. BTS was built to change that — engineering-led, certification-first, and committed to the long-term.
A decade later, BTS operates as a FinTech infrastructure and AI-powered financial ecosystem company. Our platform covers digital banking, payment infrastructure, self-service banking, core banking integration, and an embedded AI layer — all designed to work together within the security perimeters that regulated financial institutions require.
“To empower banks and enterprises with secure, scalable digital payment platforms and AI-powered financial ecosystems that accelerate innovation and trust.”
From payment infrastructure to AI financial ecosystem
BTS has not changed what it is. We have expanded what we do — building AI capabilities on top of the FinTech infrastructure that banks already trust.
| BTS Heritage | BTS Today | |
|---|---|---|
| Payment infrastructure vendor | FinTech Infrastructure & AI Financial Ecosystem company Our platform now covers the full stack from terminal to AI — not just the payment layer. | |
| ATM, POS, kiosk, switching | Digital banking, payment infrastructure, self-service, integration, AI, managed services Six integrated capability areas that banks can deploy together or individually. | |
| MENA payment solutions provider | Strategic FinTech partner for banks and financial institutions We stay embedded with bank operations teams for the life of each deployment. |
A decade of FinTech engineering
Founded in Amman
BTS is established by engineers with direct payments industry experience, focused on ATM, POS, mobile, and kiosk platforms for the MENA banking sector.
First breakthroughs
Dynamic currency conversion (DCC), a modular transaction switch serving POS, ATM, and kiosk traffic through a single routing core, and an integrated mobile-wallet ecosystem connected to the same settlement layer as physical terminals.
Regional expansion
Platform deployments across Jordan, Iraq, UAE, Lebanon, and Libya. Representative office opened in Verdun, Beirut. PCI-DSS alignment and EMV certification consulting established as standard practice.
AI Financial Ecosystem
BTS integrates AI capabilities directly into the payment infrastructure — behavioral intelligence, document RAG, fraud detection, and predictive operations — positioning the company as a FinTech infrastructure and AI-powered financial ecosystem provider.
Regional footprint
BTS is headquartered in Amman, Jordan and operates a representative office in Verdun, Beirut. Projects are actively delivered and supported across five MENA markets, with a growing pipeline across the wider region.
Jordan
Headquarters — Amman
Lebanon
Representative office — Verdun, Beirut
Iraq
Active project delivery
UAE
Active project delivery
Libya
Active project delivery
How we work
BTS owns its software and takes direct engineering accountability for every deployment. We do not act as a reseller or pass-through integrator. The principles below have not changed since 2014.
Engineering-led
Every product decision starts with the engineer who will implement it and the operator who will run it. We ship what we can certify and support.
Certification-first
EMV and PCI compliance are designed in from day one — not retrofitted. We provide certification consulting to help bank partners meet their own obligations.
Long-term partnerships
We remain embedded alongside bank operations teams for the life of every deployment. Not a handoff model — an ongoing relationship.
Responsible AI
AI capabilities are built with human oversight as a non-negotiable. Consequential decisions always have a human review path and a full audit trail.
Ready to modernize your payment infrastructure?
Talk to our solutions team about your requirements.