Who we are

Bobot 3.14 is a Montenegrin company, owned and run by its two founders. Since 2018 we have helped banks transform: their ways of working, their products and systems, and the way they deliver. Before that, both founders were bank employees, for more than 25 years between them.

Our view

With AI writing the code, banks can ask for much more: new products and capabilities, sooner, and changed as often as the market moves. The limit is no longer what IT can build, but how well the bank defines what it wants.

We work with banks on exactly that: defining better products and a better way to take them to market. We then write them as structured specifications that stay the bank's source of truth. AI turns them into working code and tests, and automated checks decide what is accepted. It takes deep banking knowledge and real software engineering together, and we bring both.

Bring us in when you need to

Design

  • Design the target solution for a new bank or a new platform
  • Turn a business model into products, processes and systems
  • Get business, operations, risk and IT behind one design
  • Lead the design authority, so the business gets what it needs at a reasonable cost for IT and operations

Systems and products

  • Change or replace parts of the core banking system while the bank keeps running
  • Respond quickly to the challenges and pressures on everyday banking products
  • Change lending conditions and pricing often, without risk to production
  • Structure data for regulatory and bank reporting

Delivery

  • Lead programme delivery, when the project needs it
  • Run agile delivery in any bank, including traditional ones
  • Set up AI-driven, specification-based delivery
  • Specify banking systems that AI will build

Founders

Nebojsa Nedic

Nebojsa Nedic

Co-founder and CEO
Banking solution design lead

Designs banking solutions that work for the business, operations and IT, having run all three inside a bank.

years managing banks, products and software
28
people led, in a bank's retail, SME and IT teams
Up to 250

Every side of a bank

He has run a bank's IT, its operations and its business: in the bank he was head of IT and eBanking, then director of bank operations, then chief business officer for retail and SME. So his designs work for the people who sell, the people who operate and the people who build.

Changing the core while the bank runs

He has changed the core of banks from both sides: as a consultant on a core banking migration, and as head of IT replacing a core banking system. At a tier-2 EU bank (2024 to 2026) he was solution design lead in the core team of a programme moving a traditional bank onto a new-generation platform, responsible for how business needs, credit risk rules and the new platform fit together.

An engineer who manages banking business

As chief business officer for retail and SME, he led marketing, product development, sales and the branch network. He used his IT and operations background to grow the business, sponsoring an electronic banking platform and an incentives programme. From 2015 to 2017, sales grew 20 to 40% a year across products, and mortgage lending, the main focus, grew 50 to 60% a year.

Architect of AI-driven delivery

He is the lead architect of our method for AI-driven delivery of banking systems, built in a small team, and of the AI pipeline that runs it. Banking knowledge is written as structured specifications that stay the bank's source of truth. AI turns them into working code and tests, and automated checks decide what is accepted.

Career

  1. Since 2018Bobot: advising banks
  2. 2003 to 2017OTP Bank Montenegro (CKB): head of IT and eBanking, then director of bank operations, then chief business officer for retail and SME
  3. 1995 to 2003Developer, then consultant at MACS, Frankfurt

Education

M.Sc. in Electronics and Computer Science, University of Montenegro, 2010. Thesis in computer vision: vehicle traffic analysis from video.

Languages

English (fluent), Serbo-Croatian (native)

LinkedIn profile

Marijana Mijovic

Marijana Mijovic

Co-founder and CIO
Lending and credit risk solutions lead

Turns credit risk policy and business needs into lending systems built for change.

years in banking and financial services
18
banking systems and processes delivered
15+

Lending, built for change

She has built lending from every side, as developer, system analyst, architect and delivery lead, across cash loans, overdrafts, cards and mortgage origination. Every bank's rules are different, and they keep changing. She knows, from doing it many times, how and why rules change, and how to design systems that absorb those changes.

Fast change, no costly mistakes

At a tier-2 EU bank she was responsible for credit risk implementation. In a feedback loop with risk and product experts, she reviewed decision-tree rules and closed the gaps. She designed the implementation principles and the testing, which makes sure that what is designed is exactly what gets built, so conditions and pricing can change quickly and safely.

Different worlds, one design

She brings risk, business and IT to one design that fits the bank's strategy and holds up as markets change. In the same programme she designed the delivery method that let an agile programme run inside a traditional, waterfall bank, and all sides accepted it. She was part of the core team accountable for the programme's overall success.

Hands-on with AI-driven delivery

In 2026 this became the core of her work. In a small team, she co-designed our method for writing banking specifications that AI turns into working, tested systems. The specification, not the code, stays the bank's source of truth, so systems can change without losing what the bank knows.

Career

  1. Since 2020Bobot: advising banks
  2. 2008 to 2020OTP Bank Montenegro (CKB): developer and system analyst, then delivery manager in the digitalisation department
  3. Before 2008Montenegro Stock Exchange

Education

Computer Science Specialist, Faculty of Science and Mathematics, Podgorica, 2007. Thesis: application of artificial intelligence in a wine cellar, graduated with the top mark.

Languages

English (fluent), Montenegrin (native)

Want to talk about your bank or project?

Contact us