N.KRAT Group was founded to develop and provide the best technologies for financial management. FINANCIAL TECHNOLOGY • Implementation of P2P crediting systems • Development of Internet-banks (banks with no branch offices, serving private and corporate clients over the internet) • Payment systems of retail companies based on biometric technologies LEGAL DEVELOPMENT • Electronic money management rules and issue terms, obtaining of approvals from the financial market regulators • Rules of international money transfer systems • Rules of provision of remote financial services and internet-based services SECURITY TECHNOLOGY • Information security systems based on cryptographic mechanisms • Internet-based systems for user identification and mechanisms of transaction