About z3x
z3x is a consulting and technology group that helps businesses turn complex ideas into real, scalable solutions. We work at the intersection of strategy, innovation, and software - with a strong focus on FinTech, automation, and digital growth.
15+
years of experience
10+
countries we work with
83
NPS from our customers
Who We Are
We’re a team of thinkers, builders, and operators who believe that good strategy and good execution should go hand in hand. We work closely with founders, product teams, and decision-makers to help turn ideas into working solutions - whether it's a new FinTech product, a digital platform, or a complex automation process.
We've helped startups launch fast, supported scaleups in reaching the next level, and guided traditional businesses through digital transformation. Always with the same approach: clear thinking, practical strategy, and hands-on support.
We come from different backgrounds - finance, technology, design, marketing - but we're united by one thing: we care about making things that work. That means asking the right questions, challenging assumptions, and staying close to our clients throughout the process.
We're based in Europe, but we work globally. Flexible, remote-first, and connected - not just by tools, but by how we think.
See how we've helped our clients grow, launch, and transform - one project at a time. Explore our case studies and discover how strategy, tech, and execution come together at z3x.
What Our Clients Say
The z3x team provided comprehensive support throughout the design and development process of our new mobile application - from the initial concept, through product strategy development, to the final implementation. The collaboration covered both the technological and business aspects, with every stage carried out with great attention to detail and quality. The team demonstrated an excellent understanding of our needs, high flexibility, and the ability to efficiently address emerging challenges. The implementation of payments was just one of many well-executed components in this complex project.
Piotr Pszczolkowski
CEO
Working with the z3x team on auditing our processes proved to be very valuable. We received a detailed analysis of existing solutions, reliable research, and specific recommendations for changes and improvements. The team demonstrated extensive knowledge of the industry and the ability to combine business and technological perspectives. The entire process ran smoothly, and the materials prepared provided a solid basis for further optimization activities.
Piotr Birski
Chief Product Officer
The z3x team demonstrated a high level of professionalism and an excellent understanding of the specifics of the FinTech and e-commerce market. The audit, detailed analysis of the competitive environment, and local customer expectations provided us with valuable data that really supported the decision-making process and planning for the launch of new services. We appreciate the strategic approach, timeliness, and quality of the materials prepared. The cooperation went smoothly and fully met our expectations.
Sebastian Ramatowski
Head Indirect Sales Poland
Our Leadership
Karol Zielinski
Co-Founder & CEO
Jakub Smeda
Co-Founder & COO
