SMS, Viber and e-mail delivery service.

Short messages sent from a mobile phone (SMS) is the fastest and most used method to reach the end users.
They are popular, efficient, and personal, and allow you to reach mobile phone users anywhere, anytime.
Mobile phone users rarely leave their home without their mobile devices and read the incoming SMS immediately or on average about 6 minutes after receiving the message.
Today, mobile communication is a cornerstone of any business: mobility allows you to monetize your resources, increase the impact of your brand and offers you the opportunity of a new source, i.e., revenue flow.

Get the end users attention by making rich, personalized transactional or marketing messages.
Send messages through the available web portal or directly from your applications using the appropriate programming interface (API).
Simply integrate your e-mail into your multichannel (omnichannel) strategy using our powerful platform.

A service based on a platform as a service (PaaS) principle that provides clients with a platform on which they can set, control and manage their applications and data, and the maintenance of the necessary infrastructure, network, servers, operating systems and disk space, dimensioned according to the requirements of their software solutions is a responsibility of KIBS.
By using the KIBS PaaS service, clients get a stable and secure platform, achieve significant savings from investment in equipment and time required for its configuration and maintenance, which allows them to fully commit to the development of new applications and services.

The KIBS PSD2 API Hub Open Banking Platform represents a service-oriented solution (SaaS) hosted on the KIBS’s infrastructure. This service enables open banking in accordance with the Law on Payment Services and Payment Systems and the corresponding regulations, by connecting fintech companies and banks.

The benefit of open banking is an increased offering of various and modern digital solutions from the fintech sector, allowing users access to banking services for initiating payments and obtaining account information, with intention the latest digital technology to enable access to other financial services as well. The platform facilitates the usage of open banking as a strategic advantage to promote innovation, transparency, and competition while maintaining the highest standards of security, compliance, and empowering financial institutions, citizens, and businesses.

Through the KIBS Open Banking Platform the development portals https://ob.kb.mk/ https://ob.stb.kibs.mk/ of Komercijalna Banka AD Skopje and Stopanska Banka AD Skopje are available.

The KIBS Open Banking Platform is open for access for the other banks in the country and all interested fintech companies as well. Through this platform, they can develop their open banking solutions and test the integration with the banks' systems.