TotalSoft, a prominent software developer originating from Romania, is embarking on an ambitious global expansion with its advanced Charisma platform. This initiative, spearheaded by Steliana Moraru, the head of growth for financial services, aims to deliver sophisticated enterprise resource planning (ERP) solutions and asset finance capabilities to a wider international clientele. The company is strategically integrating artificial intelligence to enhance its offerings, providing adaptable tools that address intricate financial ecosystems and regulatory landscapes across various regions.
For three decades, TotalSoft has cultivated a strong reputation as a versatile software provider, particularly within Central and Eastern Europe. Its Charisma suite is renowned for its comprehensive ERP functionalities, serving a broad spectrum of industries including banking, leasing, construction, agriculture, energy, and healthcare. The Charisma Financial Services component is specifically engineered to cater to the asset finance sector, supporting activities such as leasing, hire-purchase, loans, and fleet management. This specialized solution boasts significant flexibility and scalability, allowing seamless customization to diverse operational models and local compliance requirements without extensive bespoke development.
The platform's modular design empowers businesses to select and integrate components tailored to their specific operational demands. Charisma Financial Services manages the entire asset finance lifecycle, from lead generation and customer onboarding to contract administration, automated billing, self-service options, collections management, and integrated compliance. It incorporates crucial regulatory standards and digital transformation elements, including IFRS compliance, e-invoicing, e-signature, centralized credit risk assessment, SAFT-e reporting, GDPR adherence, electronic insurance management, and local tax code compliance. Furthermore, Charisma integrates effortlessly with essential third-party services like vehicle valuation and KYC/AML platforms, streamlining risk management and enhancing operational efficiency.
Steliana Moraru's role involves guiding TotalSoft's international growth and strategic development, with a primary focus on mid-to-large financial institutions and leasing providers that manage substantial contract volumes and operate across multiple jurisdictions. These entities frequently face the challenge of expanding operations while navigating varied regulatory environments. Moraru emphasizes that Charisma's design supports this complexity, adapting to diverse fiscal and legal mandates and facilitating cross-departmental and cross-regional collaboration. The platform's inherent flexibility allows clients to configure their operations efficiently, making it an ideal choice for businesses with aggressive growth strategies.
The client base for Charisma is extensive, encompassing banks, leasing subsidiaries, independent finance companies, motor finance providers, and equipment finance divisions for sectors like agriculture, medical, and industrial. Moraru highlights that Charisma's deep vertical expertise delivers a comprehensive suite of features, including dealer portals, origination workflows, contract management, client-facing portals, accounting integration, and collections. Each feature is meticulously adapted to meet the specific operational and regulatory needs of distinct sectors, eschewing a generic approach.
Moraru describes TotalSoft's core market as dynamic, rapidly expanding, and rich in potential, yet also highly fragmented and complex due to varied regulatory, tax, and reporting requirements in each CEE country. Despite these challenges, CEE businesses are often early adopters of technology, eager to digitize and bypass legacy infrastructure, rapidly embracing cloud, automation, and mobile-first tools. The region's frequent legislative changes, particularly in financial services, public administration, and leasing, necessitate highly adaptable software solutions. Additionally, language and cultural diversity present another layer of complexity, requiring localized go-to-market strategies and technology implementations rather than mere translations.
Charisma offers a significant competitive edge through its built-in localization, multi-language support, and highly flexible architecture. These features enable companies to maintain compliance, act swiftly, and scale efficiently across the region without re-engineering systems for each new market. Moraru asserts that TotalSoft's teams collaborate closely with clients to navigate this complexity, accelerating modernization and growth, and transforming regional fragmentation into a strategic advantage.
The COVID-19 pandemic marked a pivotal moment for digital transformation in financial services, shifting priorities towards resilience, agility, and digital-first delivery. TotalSoft responded by enriching Charisma with new digital capabilities, including self-service portals, automated workflows, AI-driven chatbots, and embedded analytics. These tools not only addressed immediate crisis-related challenges but also laid a foundation for long-term operational agility. More recently, Charisma has been adapted to support sustainable finance models, enabling clients to venture into areas such as green lending while meeting evolving customer expectations and regulatory demands. Moraru articulates TotalSoft's objective: to help clients not just recover from disruptions, but actively evolve through them, sustaining resilience, preparedness, and competitiveness in an increasingly volatile economic landscape.
TotalSoft's growth strategy extends beyond merely being a software vendor; it aims to be a preferred digital partner, with success measured by long-term impact. The company is developing vertical platforms that connect entire industry ecosystems, and its Charisma EveryWare architecture democratizes technology deployment, offering cloud or on-site solutions for secure scalability and compliance. TotalSoft is also increasing investments in automation, AI, cloud-native services, and embedded analytics to make Charisma more intuitive, intelligent, and customizable. Concurrently, it is expanding API integrations to enhance ecosystem connectivity with banks, insurers, registries, and other crucial partners in the finance value chain.
Geographically, TotalSoft is concentrating on expanding its footprint across the EU, particularly in markets like Austria, Germany, and the Benelux countries, while solidifying its leadership in Central and Eastern Europe. The company is also exploring strategic opportunities in other continents where demand for structured finance platforms is rising. Moraru's long-term aspiration is for TotalSoft to become the leading digital backbone for asset finance providers across these diverse and rapidly evolving markets.
Artificial intelligence is driving the next phase of Charisma's evolution, integrated not as a superficial trend but as a practical, embedded capability that fundamentally enhances financial service operations. Moraru emphasizes that the goal is not to replace human judgment but to augment it. AI is being integrated across the platform to create tangible value through conversational interfaces (chatbots and voice assistants), predictive models for risk assessment and contract performance, intelligent document processing for streamlined onboarding and compliance, and AI-powered assistants to facilitate faster, more informed decision-making. TotalSoft envisions AI acting as a trusted co-pilot, enhancing human expertise with real-time insights, smarter workflows, and operational agility, enabling finance teams to work more intelligently, respond more quickly, and deliver superior customer experiences.
Moraru highlights AI as a transformative force for leasing companies, particularly in accelerating the "Time-to-Yes." By automating risk assessment with real-time data and predictive models, AI streamlines credit scoring and approvals, reducing decision times, boosting conversion rates, and improving customer satisfaction. Beyond speed, AI enhances efficiency by eliminating manual tasks through intelligent document processing, contract recognition, and compliance automation for origination, KYC, onboarding, and reviews. Zero-touch workflows handle applications, credit checks, and contract generation with minimal intervention. Conversational chatbots and voice assistants further improve engagement, allowing customers and staff to quickly and intuitively access information or complete tasks.
AI also strengthens portfolio management through predictive analytics that forecast contract performance, residual values, and customer behavior, enabling sharper pricing, risk segmentation, and proactive portfolio strategies. For companies operating across multiple entities or jurisdictions, AI supports consistent, compliant, and scalable operations. Real-time dashboards and smart reporting provide leaders with early insights into trends, risks, and performance drivers. Embedded within the Charisma platform, these AI capabilities are not mere add-ons but a core engine for growth, resilience, and long-term competitiveness. Moraru asserts that this empowers leasing companies to respond faster, serve customers better, and scale more intelligently in a dynamic and competitive market.
Established in 1994, TotalSoft has evolved into a key provider of business software in Central and Eastern Europe, employing 600 specialists and managing projects in over 40 countries across five continents. For three decades, the company has concentrated on leveraging new technologies to streamline and digitize complex business processes for mid-sized and large enterprises. Since 2016, TotalSoft has been part of Logo Business Investment S.A., Turkey's largest independent software provider. Logo, listed on the Istanbul Stock Exchange, operates in 45 markets and serves over 85,000 customers globally, providing TotalSoft with international reach and the backing of a rapidly growing, financially robust technology group.
In May 2025, TotalSoft successfully delivered two major digital transformation projects for Deutsche Leasing Group, implementing an upgraded Charisma ERP platform and new insurance management capabilities across more than 20 countries. The ERP upgrade modernized the system architecture for enhanced performance and scalability, integrated fully with Deutsche Leasing’s origination platform, and strengthened connectivity with external systems through a dual data center migration. Concurrently, TotalSoft introduced a unified framework for insurance operations, harmonizing processes globally under Deutsche Leasing’s system template. This resulted in full automation of financing documentation and policy management, tighter integration with contract and profitability analysis, and improved transparency across the lifecycle of insured assets. By embedding these functions into origination workflows, dealers and partners can now directly offer insurance within customer proposals, reducing manual work, streamlining risk assessment, and enhancing financial forecasting across the group.
As TotalSoft celebrates its 30th anniversary, it confronts the common challenge faced by ambitious tech companies: balancing its strong regional heritage with global expansion. With Charisma developing into a platform that integrates AI, cloud capabilities, and sustainability, Steliana Moraru foresees not only an opportunity to gain market share but also the potential to revolutionize how financial providers operate internationally. Moraru emphasizes the pride in their Central and Eastern European origins, while firmly stating their global vision. Charisma is engineered to empower financial institutions worldwide to become faster, smarter, and more resilient, representing the core of TotalSoft's future growth strategy.