Let's Execute the Future
Expert DNA. Startup Mindset. Bridging the gap between digital vision and technical reality.
The Power of 3x
In the world of digital banking transformation, there's a critical gap between vision and execution. Traditional consultancies bring strategy but lack technical depth. System integrators have tools but miss business context. bt3x bridges this gap by combining all three essential elements.
Banking
Strategy
Deep domain expertise in core banking, payments, and financial services. We understand the regulatory landscape and business requirements that drive successful implementations.
Technology
Tools
Mastery of SAP Core Banking suite, BTP, cloud platforms, and modern integration patterns. We leverage cutting-edge tools to deliver robust, scalable solutions.
Execution
Results
Proven track record of delivering complex transformations on time and on budget. We turn strategic vision into operational reality with precision and velocity.
Beyond the Code
Our core service is end-to-end consulting on SAP Banking projects — TRBK, CML, and adjacent modules — for banks, fintechs, and non-financial companies managing loan portfolios. We extend our reach with training programs and AI-powered QA when the project doesn't need a full implementation.
SAP TRBK
Complete transactional management (loans and deposits) for modern banking operations.
Deep dive on SAP TRBK implementationSAP CML (Loans)
Consumer & Mortgage Loans — full loan lifecycle for banks, fintechs, and any organization with a loan portfolio. Functional and technical depth across product modeling, payment plans, condition types, and FI integration.
Deep dive on SAP CML consultingBanking Services → TRBK Migration
Lifting banks off SAP Banking Services (BS) onto SAP TRBK end-to-end. Niche capability: data migration, gap analysis, parallel runs, and cutover. One of the largest, most complex platform shifts in core banking — and few teams worldwide have shipped it.
See the BS → TRBK migration playbookCML on S/4HANA Migration
Migrating banks and lending institutions from SAP CML on classic ECC to CML on S/4HANA — using a bluefield approach for selective data transition with re-architected configuration. A typical project for current CML users planning their S/4HANA roadmap.
See the CML on S/4HANA playbookPayment Centralization
Unified payment processing across channels with real-time settlement capabilities
SAP FPSL
Financial products subledger for detailed and compliant accounting
Tailored Solutions
Whether you're a financial institution or an enterprise managing complex financial products, we deliver solutions that match your unique requirements.
Banking & Fintech
Regulatory robustness meets digital speed
We help banks and fintech companies navigate the complex landscape of core banking transformation. Our solutions ensure compliance while enabling the agility needed to compete in today's digital-first market.
Non-Financial Enterprises
Empowering companies managing complex financial products
For enterprises handling sophisticated financial operations, we deliver SAP-based solutions that bring banking-grade precision to your financial product management, treasury operations, and risk management.
Proven Execution
From the team that delivered Pacific Bank's full Core Banking go-live — in alliance with our partner EON.
The team that now powers bt3x — operating in alliance with our partner EON during the engagement — led Pacific Bank's full Core Banking implementation in Panama. End-to-end SAP banking suite, successfully delivered to Go-Live in January 2026.
Implementation Scope
Impact
Successful Go-Live: January 2026
The Value of the X
What sets bt3x apart in a crowded market of consultancies and system integrators
Independence & Freshness
As a boutique team, we bring unbiased perspectives and innovative approaches without the constraints of large corporate structures. Our agility allows us to adapt quickly and deliver solutions tailored to your unique needs.
Precision & Performance
We combine strategic thinking with hands-on execution. Every project is delivered with meticulous attention to detail, ensuring that technical implementations align perfectly with business objectives and deliver measurable results.
Real Experience
Our founders come directly from SAP and SAP Fioneer, bringing insider knowledge and proven methodologies. We've been on the front lines of core banking transformations and know what it takes to succeed.
Founded by exSAP and exSAP Fioneer leaders, bt3x combines the deep technical expertise of enterprise software leaders with the agility and innovation of a startup. We understand both the technology and the business, allowing us to deliver transformations that truly work.
Build With Us
Three ways to grow alongside bt3x — as talent, as a learner, or as a partner.
Join Us
Talent that moves the needle
We're hiring SAP Core Banking specialists, integration architects, and consultants who execute. Boutique scale, enterprise impact.
See open rolesTraining
Banking-grade SAP know-how
Hands-on programs in SAP TRBK, FPSL, BTP and Core Banking integration — built and taught by practitioners who've shipped real transformations.
Explore programsPartnerships
Better together
We partner with technology vendors, system integrators, and financial institutions to deliver outcomes neither side could deliver alone.
Become a partnerLet's Talk
Transform your core banking system with the velocity and precision of bt3x.