About the company
Licensed issuer of electronic money and creator of the Lova digital wallet
"Digital Money Transfer" d.o.o. Banja Luka is behind the Lova e-wallet – the first domestic digital wallet that changes the way we conduct daily financial transactions. Our mission is simple: to modernize payment methods and provide users with complete freedom in managing their money – quickly, securely, and with minimal costs.
„Digital Money Transfer“
d.o.o. Banja Luka
Who are we?
A Fintech company that combines technology and finance
"Digital Money Transfer" d.o.o. Banja Luka was founded in August 2021 as a modern fintech company connecting technology, finance, and innovation.
The company is registered with the District Commercial Court in Banja Luka, Republika Srpska, Bosnia and Herzegovina, under registration number 57-01-0291-21, company ID 11209505, and VAT ID 4404773650002.
The authorized and paid-up capital amounts to 829,650.00 KM, and the business account is opened with MF Banka a.d. Banja Luka, account number 572-106-00016375-55.
The company's headquarters are located at Braće Pantića 2 (Krajina osiguranje building) 78000 Banja Luka, Republika Srpska, Bosnia and Herzegovina.
The legal representative of the company is Boris Majstorović, director and one of the founders. The company's financial statements are audited by the international auditing firm Grant Thornton.
million KM transaction volume
transactions annually
active users
Downloads
Our Story
From idea to the first domestic
electronic money platform
Since 2021, our team of experts in finance, technology, and digital marketing has been developing solutions that simplify people's daily lives. From the very beginning, the goal was clear – to make digital payments simpler, more accessible, and more secure. Today, through the Lova app, "Digital Money Transfer" d.o.o. Banja Luka brings the first domestic electronic money platform that combines all your needs into one simple and secure solution.
License and Security
Reliability confirmed by the license from the Banking Agency of Republika Srpska
This license confirms that we operate transparently and in accordance with the law, providing users with the highest level of security, trust, and fund protection.
The license visible and available for download (PDF)
"Digital Money Transfer" d.o.o. Banja Luka holds a license from the Banking Agency of Republika Srpska (ABRS) for the issuance of electronic money and the provision of payment services, in accordance with applicable regulations:
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Mission and Vision
We digitalize finances – simply, securely, and accessible to everyone
Mission
Our mission is to make everyday financial services accessible to everyone, regardless of their location.
Through innovative solutions like the Lova e-wallet, we are building a bridge between the traditional financial system and modern digital user habits.
We aim to become the leading provider of digital payment solutions in the region, enabling people to use their money faster, more freely, and more efficiently than ever before.
Vision
Our vision is to create a "super" app that brings together everything a user needs in daily life and fosters a society without payment boundaries – where everything is done via mobile phone and a single app, simply, securely, and with complete freedom in managing one's own money.
Our Brand - Lova
More than a wallet – Lova is your digital lifestyle
Lova is the first domestic digital wallet – simple, fast, and secure. It's a free mobile application available on Android and iOS devices, allowing users to receive, send, and pay money in just a few clicks. With the Lova app, your finances are literally at your fingertips. But Lova is much more than just a payment app. It's a new way of thinking about money, about freedom and simplicity in everyday finances.
As the first domestic digital brand in the e-money sector, Lova combines technology, security, and design into one intuitive user experience. Our vision is to offer users a super app that brings together everything they need in daily life – simply, securely, and without limits.
Lova brings a modern, fast, and secure way of life, where everything works naturally: from payments to daily tasks. Through Lova, money becomes simple, and life – freer.
