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About Us | Xenia Solutions

Our Story

We, at Xenia Solutions, believe in innovation as a vehicle to add value in the complex area of national and international digital payments. In our relatively short history as a company we can point to important technical achievements as evidence to our viability as partners to small and big financial institutions in their quest to build the financial technology of the future.

Our achievements so far include the card payment processing system Xenia, the interchange fee optimization tool Xenia Optimizer, an international card-to-card transfer solution and a conceptual solution for implementing central bank-backed digital currency payment system.





Dimitar has more than twenty years of professional experience in software development, IT consultancy, business analysis, product management, business process analysis and management.

Dimitar has rich experience in developing software products for financial institutions and leading integration, testing and data migration projects for core banking systems particularly for banks utilizing the Temenos T24 core banking system.

He has participated in a long list of successful projects for prominent banks like Nordea, MCB, Lloyds TSB, Al Khaliji Bank, Ahli Bank and Royal Bank of Canada.

Nicolaas Phillips

Nicolaas Phillips

Assistant Solution Architect

Mr. Nicolaas Phillips brought to our team deep understanding of the economic development and specific requirements and needs of Africa digital payments market. His vision for development of digital payment products and services have become the basis for the product and marketing strategy of Xenia Solutions on the African market.



Head of Research & Development

Yassen has more than 15 years of experince in the IT industry, the last six years as CIO in the financial services sector. Before that he was working for Oracle Software Support as a Team leader for 11 years, being in charge for the support of various Oracle products. .

He is a senior technology executive with proven ability to successfully deliver information solutions across industries and in multinational environments. An extensive track record in overseeing technology improvement initiatives and aligning information services with strategic and operational business goals. Highly proficient communicator, effective at managing relationships between strategic leadership, third-party vendors, external consultants and clients.



Head of Support Services

Georgi has more than 20 years experince in IT industry particularly core banking systems development and implementation and card payments systems development and implementation.

He spent his whole career in Dacoms. This was a company that developed two solutions: a core banking system and card payments system. Most of his responsibilities were in relation to the card payment system Dacside which was widely used in the region but he was also responsible for its integration with the various core banking solutions including the Dacoms one. He started as a junior developer and was one of the owners of Dacoms by the time he become one of the founders of Xenia.

We are expressing our appreciation of the productive cooperation and implementation of joint state-of-the-art projects spanning over multiple years.

The complex solutions your company offered were implemented in a project for Belarusian Railways

Pavel Butsnevitch

Director, Deputy


With this we hereby express our high esteem and support for Mr. Dimitar Keremidchiev (Xenia Solutions, Bulgaria).

For a period of 5 (five) years we have been working together on a number of projects and we can attest that Mr. Keremidchiev delivered reliably and responsibly on his commitments. In particular we would like to commend him and his team for the participation in one of the biggest and most successful projects – the commissioning of mobile payment devices by the Belarus Railway

Kondratenko, O.V.


Datecs Trusted Partner in hardware device development, integration and delivery



We saw a demonstration of their Xenia Optimizer tool capable of optimizing the interchange fees and in the following discussions they demonstrated deep knowledge of the technical side of processing and settlement of card transactions in the Mastercard network. Based on their demonstrated expertise they were hired to analyze the technical correctness and financial performance of our card processing system.

As a project manager of the analysis project I have witnessed that their team worked on their task diligently and productively. I was delighted by Xenia Solutions team’s ability to identify both data integrity issues and interchange fee related inefficiencies.

Vanya Ganeva

Head of Card Center Division, Piraeus bank, Bulgaria