I am delighted to provide this endorsement for Zlatan Kovachevich, who has been an invaluable partner on a number of transformational projects and initiatives in the card acceptance and payments processing and authorisation space over many years. Be it the replacement of our legacy switch, integrating with national and international networks such as VocaLink and Visa, or implementing a fraud detection solution, Zlatan consistently demonstrated exceptional professionalism and commitment to our success.

Furthermore, his attention to customer satisfaction have played a crucial role in ensuring that our project requirements were well understood and met. He was always responsive to our inquiries, providing prompt solutions to any challenges that arose.

In addition to his subject matter expertise and reliability, Zlatan brought a proactive approach to our partnership. He actively sought opportunities for improvement and offered innovative solutions that positively impacted our operations.

Zlatan also works well across all areas of the business, and with other third parties; he is an excellent team player and has proved on several occasions his ability to provide solutions to complex challenges.

Overall, I have no hesitation in recommending his services to any organization seeking assistance with payments industry matters. His ability to consistently deliver exceptional results makes him a valuable partner to any business.

I had the pleasure of working alongside Zlatan Kovachevich, who served as an exceptional partner and supplier for Banco Caja Social during the period from 2019 to 2021.

During this time, Zlatan and I collaborated on two major projects: the replacement of our legacy BASE24 Classic switch and the insourcing of our credit card authorizations. Throughout these initiatives, Zlatan consistently demonstrated a high level of professionalism, dedication, and unwavering commitment to delivering outstanding services. His contributions proved invaluable to our operations, and I would like to highlight several key strengths and qualities that set him apart:

1. Subject Matter Expertise: Zlatan's extensive knowledge of the card/payment processing and transaction switching industry was instrumental in providing guidance through these complex projects, ultimately leading to success for our organization.

2. Adaptability and Creativity: Zlatan exhibited a remarkable ability to adapt to our evolving needs and requirements. He proactively suggested improvements and innovative solutions that positively impacted our operations.

3. Exceptional Quality: The services provided by Zlatan consistently demonstrated exceptional quality. His attention to detail and unwavering commitment to excellence are truly commendable. He was always quick to address any concerns or inquiries, ensuring a smooth and productive working relationship.

In summary, I wholeheartedly endorse Zlatan as a reliable, high-quality, and ethical professional in the card/payments industry. His consistent track record of delivering outstanding outcomes positions him as a valuable asset to any business.

I had the opportunity of experiencing Zlatan’s outstanding professionalism during the platform modernisation program at Cal ICC which saw the replacement of our legacy card authorisation and transaction switching solution as well as the introduction of a fraud detection and prevention system.

Throughout the whole process – from the RFI/RFP stages, to project execution, and to post-deployment support – Zlatan proved himself an excellent and dedicated partner. He was instrumental in our getting through contract negotiations, solutioning of the new systems and the creation of the most optimal migration strategy. He approached challenges with a creative and analytical mindset, consistently helping us find effective solutions.

Furthermore, I would like to commend Zlatan for his integrity and ethical business practices. Throughout our partnership, he operated with transparency and honesty, fostering a relationship built on trust and mutual respect.

In conclusion, it is with great pleasure that I provide this endorsement for Zlatan. I wholeheartedly recommend him without reservation and believe that he will continue to excel in the field of card/account/payments authorisations and transaction processing.