instarea.
money making software
Full-stack product factory. We invent, build and commercialise enterprise-grade B2B SaaS.
About Us
instarea is a software product factory — not an agency. Deep full-stack engineers paired with business insight, entrepreneurship, and a startup mindset. We don't just build tech — we run the entire lifecycle: development, business setup, marketing, sales, support, and customer success.
Trusted by major telco and finco across CEE: Telekom, Orange, T-Mobile, VÚB Banka, Tatra banka, ČSOB, and more.
15+
Years experience
6
Countries served
10+
Year partnerships
8
Products shipped
MarketLocator has been running with Slovak Telekom and Orange for over 10 years. Our team stays, our products last, our clients grow.
In the era of vibecoding and DIY, real engineers are still needed. We help scale your hobby-turned-startup to enterprise standards: architecture, security, DevOps, performance, cost optimization, and production robustness.
Elevate to enterpriseIndustries We Serve
Deep expertise across telecommunications, banking, and enterprise
Telecommunications
Data monetization, geolocation marketing, billing transparency, eSIM portals, population analytics
Banking & Finance
AI pulse-checks, transaction banking, payment systems, CRM, digital transformation advisory
Government & Enterprise
Government, municipalities, regional authorities, CRM modernization, business process automation, AI-driven operations
Technology Stack
What powers our products — per-product breakdown
25 unique technologies across all products
Our Products
Active solutions in production
PulseShape
LiveAI-powered organizational pulse-checks with live, dynamic conversations. Real-time summaries of patterns and blockers for team leaders.
Replica.city
LiveLiving AI replicas that mirror human survey responses in real-time. Like running a national focus group that never sleeps.
GrandpaCheck
BetaDaily AI phone check-in for elderly living alone. Humanlike conversation that detects changes in routines, wellbeing, or mood.
DisciplineWorkflow
LiveAll-in-one business process automation. CRM, task management, reporting, and more — one app to rule them all.
MarketLocator
LiveTelco data monetization platform turning operator geolocation consents into targeted marketing, footfall analytics, and real-time GEO APIs. 10+ years in production across Slovak operators with GDPR-compliant 1st and 3rd party consent models.
Our Successful Past Missions
Projects that made an impact
SmartBill / CallinSpector
Phone, SMS, and data usage tracking application (SmartBill) for Slovak Telekom — real-time billing transparency for millions of subscribers.
Slisor
Self-service eSIM activation portal for STC (Saudi Telecom Company) in KSA — digital onboarding for telecom subscribers.
SKPay
Transaction banking system for 365.bank and Slovak Post — card issuing and accepting.
DingoDot
AI-powered accounting tool that automates bookkeeping entries.
Case Studies
Deep-dive into our flagship products
Market Locator
10+ years · 4 operators · 3 marketsTelco data monetization platform — 10+ years in production across Slovak operators. GDPR-compliant geolocation marketing, footfall analytics, and real-time GEO APIs with 1st and 3rd party consent models.
Replica.city
In Production · AI ReplicasConversational AI surveys replacing static questionnaires with living AI Replicas. A national focus group that never sleeps — real-time insight from thousands of respondents.
PulseShape
4 enterprise clients · LiveAI-powered organizational pulse checks with live, dynamic conversations. Real-time summaries of patterns and blockers for enterprise leaders across all branches.
DisciplineWorkflow
All-in-One · No-CodeAll-in-one business process automation platform. CRM, task management, sales, reporting — unified in a single no-code configurable system built for enterprises.
Griesebach CRM
Berlin · Art AuctionsModernizing Berlin's premier art auction house — replacing legacy desktop CRM with a mobile-first, cloud-based platform. Single source of truth, AI digital agents ready.
Trusted by Industry Leaders
"AI Kubko has completely transformed VÚB Bank's approach to gathering internal feedback. The AI assistant engaged around 400 IT colleagues, who provided quick and honest answers to critical questions. Over 25% of them even said they would actively recommend AI Kubko to their colleagues as promoters. Thanks to built-in anonymization, it created a safe and open culture where employees could identify problems without self-censorship and even propose solutions."
Ing. Jozef Kausich
CEO and Chairman of the Board, VÚB Banka
"Over 10 years of partnership with instarea on MarketLocator. They don't just build technology — they understand our business, stay committed, and continuously innovate. A true product partner."
Igor Baschiera
Messaging Lead, Slovak Telekom
Our Team
The people behind instarea
Peter F.
CEO / Founder
Serial entrepreneur & AI strategist. Co-founder of Market Locator (exit to Deutsche Telekom), advisor to VUB Bank CEO. 15+ years bridging deep tech with business.
Peter Č.
CTO / Co-founder
Senior IT architect with 20+ years in enterprise banking (VUB), telco data platforms, and IoT. Expert in system architecture, .NET, Python, SQL.
Michal Š.
Business Development
Seasoned professional in marketing, business development, and project management. Known for adaptability and commitment to excellence.
Nicolas
Full-stack Developer
Full-stack engineer specializing in .NET/C#, DevOps, and Vue.js. Built systems across banking, IoT, data management at Ataccama, and automotive SaaS.
Felix
Full-stack Developer
Full-stack developer expert in JS/TS, Python, .NET. Built data lineage visualization at Ataccama (React Flow), PulseShape, and cross-platform mobile apps.
Roman
Full-stack Developer
Full-stack developer focused on Python, AI automation, and process optimization. Creator of GrandpaCheck (OpenAI + Twilio), PulseShape developer.
Matúš
Database Specialist
Matúš specializes in database management, data analysis, and optimizing complex queries, demonstrating a keen eye for detail and problem-solving.
Company Expertise
Our Network
91 professionals have contributed to instarea & Market Locator products
91
People contributed
8+
Years of history
6
Countries
8
Products shipped
Peter Čapkovič
CTO
Martin Záhumenský
CEO
Matej Mišík
Business Development Director
David Lazár
Chief Marketing Officer
Kateřina Krátka
Head of Product
Rastislav Korytár
Infrastructure Architect
Jakub Veselý
Architekt
Stanislav Miklóšik
Software Developer
Michal Elman
Database Developer
Ján Zelinka
Software Developer
Matúš Kudláč
Junior SQL Developer
Peter Černek
Junior SQL Developer
Marek Klein
Junior SQL Developer
Rudolf Weidling
Software Developer
Dušan Čičmanec
Application Developer
Miroslav Vali
Application Developer
Peter Krátky
Software Developer
Tomáš Repík
SW Developer / Data Scientist
Michal Babjak
Software Developer
Nikolas Hamran
Developer
Lea Páleníková
Developer Junior
Jozef Kemeník
Developer
Nicolas Ondráš
Junior Developer
Jakub Hrdlička
Junior Developer
News
Latest from our LinkedIn
Geodata Monetization for MNOs — Two Models, One Platform
Mobile operators sit on one of the most valuable data assets in the world. Two clear monetization paths: consent-based geolocation and GeoAPI for trusted parties.
Equity Release Doesn't Exist in Central Europe. Yet.
We're in talks with financial institutions in Czech Republic and Slovakia to pilot a lifetime home equity product for the 50+ generation.
In Slovakia, 91% of Seniors Own Their Home
Average pension €620/month. Property worth €160-200K. Sitting on a goldmine, eating bread rolls. We're researching how to unlock this wealth.
The Concrete Wealth Trap: Why Are CEE Seniors Paper-Rich but Cash-Poor?
Slovak households 65+ have median €3,750 in cash. But €97,000 locked in real estate. 91.7% of their wealth frozen in property they can't spend.
25% of VÚB Bank IT Employees Recommend Talking to AI
Not a chatbot. A real conversation. Honest. Safe. Insightful. PulseShape delivers AI-powered employee insights at VÚB Bank.
PulseShape via Telekom RCS — AI Conversations in Your Messages
PulseShape AI conversations delivered through Slovak Telekom RCS messaging. Optimize your business with AI — directly in your phone.
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