The adoption of the euro is a crucial step that will shape the development of the banking sector in the coming years. CSoft is a technological partner to four banks and several non-banking institutions. Our mission during this key moment for them is to ensure stability, predictability, transparency, and security.
We view this transition as a business and system migration, where every functionality must be adapted so that at the beginning of 2026 the components of the integrated banking platform BrightOS continue to operate flawlessly.
Key IT Aspects of Euro Adoption
From an IT perspective, adopting the euro is a complex regulatory, technological, and organizational project. Its scope covers all system modules—from parameterizations and product and accounting scheme configurations to tariff models, interest mechanisms, mass account conversion, and currency recalculation.
The project also affects regulatory reporting, internal control mechanisms, asset evaluation and provisioning systems.
A key part of the transition is the readiness to process all types of payments in the new national currency—implementation of European payment standards, coordination with national payment systems, updated logic and interfaces. These aspects affect both BrightOS and bDigital, our digital channels for accessing banking services.
Every Minute Matters
The transition to the euro is particularly critical because the entire transformation must be executed within an extremely short time window.
In a real environment, currency conversion will take place between the end of the last working day of 2025 and the beginning of the first working day of 2026. Within these few hours, all operations in Bulgarian lev must be completed to allow mass conversion of parameters, accounts, and products, and to recalculate all amounts in the new national currency. This is followed by checks, repeated validations, and reconciliation.
Our rollout plan for this critical period is timed down to the minute, aligned and stress-tested multiple times with each of our clients, with zero tolerance for errors.
Our Strategic Approach
CSoft approached this project with exceptional attention and a clearly defined strategy. Our teams conducted full mapping of all systems, modules, and processes, analyzed critical dependencies, and prepared a plan that enables predictability.
We apply a proven methodology by dividing the project into independent, clearly defined phases. For each phase, we create pilot versions and prototypes, which we coordinate and validate together with the banks. We ensure speed and transparency in analyzing conversion results through internally developed tools for comparison and reconciliation.
Throughout the entire preparation period, we work in cooperation with banks, payment operators, external partners, and regulatory institutions, conducting regular meetings, synchronized releases, and testing cycles.
The Stages We Have Already Successfully Completed
So far, we have executed key phases, including a full analysis of the architecture and functional dependencies, as well as detailed structuring of all regulatory scenarios. Our teams have developed the core module changes, along with sandbox environments for functional and integration testing.
In recent months, we have completed the first cycles of automated and manual tests. We are currently in an advanced stage of UAT with our clients and preparing for the final migration.
Technology as a Guarantee for a Secure Transition
Our accumulated experience and achieved progress give us confidence that the transition to the euro will be successful, secure, and transparent. For our clients, we guarantee accurate conversion, zero operational risk, minimal disruption of digital channels, and readiness to operate under new regulatory and market conditions.
With a clear strategy, proven methodologies, and strong teams, we are confident that the financial institutions that trust CSoft will enter 2026 with a modern, stable, and fully adapted banking technology infrastructure aligned with the requirements of the new currency.