Pragma

Pragma is a Miami-based technology company founded over 25 years ago, now operating from 2 S. Biscayne Blvd, Suite 2450 in Miami, FL. The firm specializes in modernizing banking, lending, and retail operations through cloud, AI, process automation, and data analytics. Their pitch centers on helping US banks, credit unions, and mortgage lenders upgrade without "big-bang risk"—the company cites a 200% ROI achieved in 12 months for one lender using MOSS, their Mortgage Origination Software Solution, which reduced email volume by 50% and streamlined workflows. Pragma operates with what it calls "asymmetric teams"—multidisciplinary groups paired with specific client needs rather than one-size-fits-all delivery.

Services and capabilities

Pragma's core offerings break into six capability areas. Cloud services cover design, migration, modernization, and ongoing management. Data & Analytics uses machine learning, advanced analytics, and generative AI to drive personalization and data-driven decision-making. Artificial Intelligence focuses on intelligent agents for customer service, process automation, and loyalty programs. Integration and APIs build reusable API ecosystems and integration governance for business expansion. Process Automation spans RPA, OCR (intelligent document processing), business rules automation, and low-code platforms. Digital Platforms target retail and finance with scalable, custom solutions.

Within process automation specifically, Pragma offers process robotization to automate high-volume tasks like data entry; OCR for digitizing and extracting data from physical or digital documents; Business Rules Automation (BRO) for decision management; and Business Process Automation (DPAs) to orchestrate complex end-to-end workflows. For financial services, the company has built MOSS—a dedicated mortgage origination platform designed to simplify borrower onboarding, automate team workflows, and reduce friction in home financing. In fintech onboarding, Pragma implements biometric validation, OTP identity verification (partnering with DAON for third-party validation), and AML compliance automation.

On the AI front, Pragma builds intelligent agents using customized knowledge bases, deploys predictive analytics for customer segmentation and personalization, and has worked with retail partners on loyalty and recommendation models. A retail example: Pragma helped Grupo Éxito increase app sales by 176%, improve app ratings to 4.7, and cut feature delivery time by over half.

Notable work

Pragma names several concrete engagements. For Pirani, a financial services firm, Pragma automated risk management using generative AI and AWS. For Nequi, a Colombian fintech, they automated banking processes; Pragma also supported "Colombia's First Digital Bank" according to their site, though the bank name is not stated. Grupo Éxito (and its Carulla subsidiary) saw a 176% increase in app sales and ratings improvement to 4.7 stars after Pragma optimized their mobile shopping experience and cut feature delivery time. Dislicores, a retail/spirits company, increased average transaction value using AWS Personalize. Comfama (a Colombian financial cooperative) leveraged data analysis to understand its user base. Puntos Colombia accelerated toward data maturity with Pragma's support. SoyYo used Pragma's technology for digital identity and security management. A Florida bank was supported through streamlined onboarding and digital transformation, though unnamed.

How they work

Pragma offers flexible engagement models: Capability Augmentation and Dedicated Teams are explicitly mentioned as options to "seamlessly collaborate" with in-house staff. The company emphasizes outcome-driven delivery, speed and precision within an agile framework, and what it calls "pragmatism"—realistic approaches to maximize benefits and minimize risk. The firm has more than 25 years of track record in financial services, retail, insurance, and telecommunications. Specific pricing is not disclosed in the source material, nor is a standard engagement duration or team composition model detailed beyond the "asymmetric teams" framing. The company can be reached at hello@pragma.co or +1 (408) 478-2739.

Team and credentials

No founder names, exact team size, or formal certifications (ISO, SOC 2, GDPR, HIPAA) are mentioned in the source. Pragma lists AWS and other unnamed partner integrations in its ecosystem graphics but does not detail partner status or co-sell relationships. No Clutch, G2, or third-party review ratings appear in the material. The company states it has been operating for "more than 25 years," suggesting establishment and stability in the Latin American and US markets.