Warsaw, April 24, 2026 — The Digital Factoring Study Tour, organized by WOA digital, successfully concluded on April 22–24 in Warsaw, bringing together factoring companies, banks, fintechs, and technology providers from across the CEE region for an intensive three‑day deep dive into end‑to‑end digital factoring.
Click to see photos from the Study Tour
The Study Tour focused on practical implementation, real‑world use cases, and honest knowledge sharing, offering participants a hands‑on understanding of how leading players in the region are building and scaling fully digital factoring processes — including integration with mandatory e‑invoicing schemes and the use of AI and machine learning.
A practical, market‑driven agenda
The program featured in‑depth presentations from award‑winning factoring companies and technology providers:
- Day 1 (April 22) focused on the Polish market, with presentations from ING Faktoring, and SMEO (factoring fintech), showcasing fully digital factoring journeys and product offerings, followed by an end‑to‑end digitalization perspective from Comarch (factoring software provider from Poland).
- Day 2 (April 23) highlighted regional best practices with sessions from Finspot (factoring fintech, operating in Serbia and Croatia), SEFLink (Invoice finance marketplace form Serbia), and PartnerHUB (e-invoicing provider and integrator for banks and factoring companies from Hungary), covering advanced integrations of factoring with online invoicing platforms, mandatory e‑invoicing systems, and real‑time fraud checks.
- Day 3 (April 24) was dedicated to a hands‑on workshop led by efcom (factoring software provider from Germany), demonstrating how AI and machine learning can reduce risk exposure and improve factoring profitability through practical use cases and live demos.
Key themes and takeaways
Across the three days, participants explored:
- How to design and implement fully digital factoring processes
- Integration of factoring into online invoicing platforms and e‑invoicing mandatory schemes
- Real‑world approaches to risk management and fraud prevention
- The growing role of AI and machine learning in factoring decision‑making
- Lessons learned from live implementations across Poland, Hungary, Serbia, and other CEE markets
The Study Tour combined structured presentations with interactive discussions and networking, enabling participants to exchange experiences openly and build connections across markets.
Looking ahead
“Three days of deep dives into digital factoring, real implementations, and open knowledge sharing made this Study Tour truly special,” said Olena Gryniuk, founder of WOA digital. “The level of maturity we see in the region — especially around e‑invoicing integration and AI adoption — confirms that digital factoring is no longer optional. We’re already looking forward to the next edition.”
Following the success of the Warsaw edition, WOA digital plans to continue organizing Study Tours and events, further supporting the digitalization of receivable finance.
