Most problems look unique from the inside. From the outside, the patterns are usually familiar.
Digital and business transformation, new product development, operational turnarounds. The perspective comes from having been on all sides — vendor, client, and founder — across enough sectors that patterns become visible.
Concept to pilot in regulated environments — fintech, lending, payments. The AFM licence application in the Netherlands is on the track record.
Southeast Asia for European companies, and other markets where desk research and ground reality diverge. The advice comes from having operated in both.
Tera Digital is Martin Kobera's practice. He has spent twenty years working across Europe, Africa, and Southeast Asia — as a founder, a technology leader, and a general manager. The work has always sat at the intersection of business problems and technology decisions.
For delivery, he assembles small, senior teams — selected for the engagement, not kept on permanent retainer. The people on your project know the territory.
Between Prague and Manila. Working wherever the right problem turns up.
Tera — from terra, earth. Martin is an active scuba diver and marine conservation volunteer. The name is a reminder of what's worth protecting.
Digital — because most of the work involves helping companies navigate the shift to data-driven and AI-augmented operations. And because teradigital.eu was available.
The work so far has covered a lot of ground. A SaaS company built from scratch. A telco launch in Uganda that was initially failing. A fully automated P2P lending platform in the Netherlands — KYC, credit scoring, onboarding — designed and built to pass regulatory scrutiny. An IT organisation built at pace for a renewable energy scale-up of 1,000+ people. A software house restructured mid-COVID and repositioned from custom dev to digital consultancy. ICT services consolidated from 13 Nordic countries into a single hub for a global logistics company. Platform replacements for a cybersecurity firm ahead of IPO, across a 100M+ user base. Digital investment programmes for the EBRD in Türkiye and Kazakhstan. A year in Manila working across fintech and banking.
Different sectors, different geographies. The common thread is complexity and delivery under pressure — and a clear mandate from someone who wants the outcome, not just the process.
No credentials deck, no discovery call script. If there's a problem worth solving, a direct conversation is the fastest way to find out if there's a good fit.