Pragma

Pragma is a technology company that provides software and services for financial and retail organizations. The company operates as a provider of nearshore engineering and consultancy teams and maintains an office in Miami, United States, indicating a headquarters presence in the United States. Client engagements and case examples reference work in Colombia and a Florida-based bank, indicating operations across the Americas and a nearshoring model that supports regional collaboration.

Services and Capabilities

• Cloud engineering and migration — design, migration, modernization and ongoing management of cloud environments, including work on AWS-based projects.
• Data and analytics — development of data platforms, machine learning models, analytics pipelines and customer retention analytics for operational and marketing use.
• Artificial intelligence and Generative AI — implementation of AI agents, automation using generative models, and AI-driven personalization for customer interactions and risk processes.
• Process automation — automation of business workflows using RPA and AI-driven orchestration to reduce manual tasks and streamline operational processes.
• Integration and API development — creation of API ecosystems, integration layers and governance to connect systems and enable reuse across digital platforms.
• Digital platforms and mortgage origination software — design and delivery of customer-facing portals and end-to-end lending systems, including a mortgage origination product referred to as MOSS.

Industry Focus

• Financial services — delivery of mortgage origination systems, loan automation, risk management automation, open finance integration, fraud prevention and customer service automation.
• Retail — development of digital platforms, inventory and customer interaction systems to support e-commerce and in-store technology integration.
• Insurance and telecommunications — technology projects tailored to sector-specific operational and customer engagement needs as indicated in service listings.

Technology and Delivery Approach

Work is executed through multidisciplinary nearshore teams offering capability augmentation and dedicated team models. Delivery commonly uses agile development frameworks, cloud-native architectures (including AWS), API-driven integration, data platform build-outs, machine learning and Generative AI components, and process automation tools. Engagements emphasize integration of existing systems, reusable integration layers, and measurable operational changes such as reduced manual processing and improved transaction workflows.