Tech4Fin Software is an independent company developing and commercializing powerful software for the financial sector and public administrations on a Worldwide basis. It’s a start-up based in Barcelona with 25+ years of experience in banking technology in EFT-POS, Card personalization Equipment and Artificial Intelligence. All of our Board Members have an extensive international experience in banking technology and International commerce.




Enterpreneur, Industrial Engineer and Executive MBA by IESE with twentyfive years of experience in International commerce mainly in banking technology. Fluent in Spanish, English, French, Catalan and Italian.Capitalizing on many years of experience in international sales of technology and the enthusiasm of the new challenges.

After many years of experience on Artificial Intelligence software and technology supplier for Finance Industry and Public Administration José María founded in 2014 TECH4FIN. Tech4Fin Software is an independent company developing and commercializing powerful software for the financial sector and public administrations on a Worldwide basis. The company offers Powerful Solutions in Factoring Matching FEM and EU FP7 AML project HEMOLIA, to sell, install and maintain at World level. In the past José María Morera has been in several international companies such DATACARD, TECHFOR HEALTH or VAYRIS as Banking Solutions Director & Sales Director. 





Over more than 20 years of management experience offering Business Development, Data Management, Product and Customer Portfolio Management as well as Market and competitors analysis hands-on consultancy. Empirically supported with an advanced level in Machine Learning algorithms for Supervised and Unsupervised Learning, Neural Network. Applying those Techniques in Anomaly Detection, Sentiment and Social Networking Analysis, product recommender systems, scrapping market and competitors among others. My toolbox includes Statistical Computing Package R, Octave, Python and Gephi.

Alexander´s personal in-field business experience has been backed up by a passionate curiosity for discovering trends and patterns into business data sets. Consequently, be able to translate numbers into business actions. In the past Alexander has been working in Managing positions in several companies such  VALVOLINE INTERNATIONAL, BANCO EXTERIOR DE ESPAÑA (EXTEBANK) or APPLIED DATA RESOURCES dveloping business Structures and using Data Management in order to improve the companies results.





Federico has over 25 years business experience in investment, start-up, growth, management and turnaround of technologically complex organizations; he seeks, integrates and manages multifunctional and multicultural teams; conceptualizes, visualizes, communicates and sells complex products, processes and/or systems to customers, investors, decision makers, suppliers and/or public authorities and financial institutions across North- and South America, Central and Southern Europe, The Middle East, Mainland China and Hong Kong.

Federico is currently Tech4FIN’s member of the board and General Manager in Germany. In the past he has held executive positions in international companies such as Postbank, Amontis, Fidelio Networks, DataCard or WorldCard International. Federico holds an MS from Technische Universität Berlin, was visiting scholar for Artificial Intelligence at University of Illinois and is permanent lecturer at the Computer Science Department from Darmstadt University of Applied Science. He has published many articles and holds a patent in cryptography. For more information contact Federico under.




Mr. Arnulf Romann is a member of the board of directors; he is also one of efcom gmbh’s founders. Mr. Romann is permanently extending his factoring knowledge. In his position as the Head of Consulting, he is dealing with most of efcom’s large customers, national as well as international and managing the project management.


Headquarters Spain

 C/Ganduxer 74-78

08021 – Barcelona – Spain

Office Phone: +34 93 461 4126

Mobile Phone: +34 609 128 509

Mail: info@tech4fin.com


Germany Offices

Tech4Fin Deutschland

Schillerstrasse 20 D-61476


T: +49 6173 324578

Mail: vertrieb-deutschland@tech4fin.com

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