FinTech Belgium 2018 Brochure by fintechbelgium2

Beyond the hype Brussels, October 22nd

FinTech Belgium asbl/vsw 2

Isabel AD

FinTech Belgium asbl/vzw

A WORD FROM

Jean-Louis Van Houwe President FinTech Belgium asbl/vzw

“

FinTech Belgium asbl/vsw

Dear FinTech Community, Dear friends, First of all, welcome to the FinTech Belgium Summit 2018, the third edition of our annual event. You will all recognise that gathering in Brussels makes sense, as it is not only the centre of Europe, but also a recognised leading place for the Financial and Insurance sector. In our 2018 Summit edition, we will look at FinTech “Beyond the Hype”, that is, concentrate on understanding the true fundamentals of what is happening in the Payments industry, the status of Open Banking, what Blockchain should finally deliver, and the impact of CrossIndustry diversification and AI on our sector. Allow me to thank our dearest 78* FinTech Belgium members, startups and scales-ups, whether FinTechs, InsurTechs or RegTechs (* Beg.of October 2018) . Lately our community has been increasing by a quarterly factor of 32% truly reflecting the appeal of our sector, related underlying technologies, and the dynamism of our association “FinTech Belgium asbl/vzw”. Forming a community allows us to share experiences, foster our passion to challenge the status-quo. Forming a community means that our collective voice is stronger and more listened to, surely when it comes down to defending our interests, hence easing or speedingup your road towards success.

Within our community, you will always meet one helpmate that will support you at the very time you need it, when going through the natural turmoil of the business life... Allow me also to have a special word of gratitude for Xavier De Pauw, the President of our association up to September 2018 (and who will remain on our Board), and those founding entrepreneurs that have created FinTech Belgium in April 2016: their drive, dedication and optimism have made what we are today and far beyond, as their initial dream will still inspire us for many years! It is a great honour for me to have received the trust of our Board. Yet, I really feel the pressure on my shoulders as the potential of our recognised strengths is still far too untapped considering the true trumps we have at hands in Belgium.

â&#x20AC;&#x153;

In conclusion, I am wishing you all to enjoy a terrific time among us, whether during our numerous activities and meetups or while attending our fantastic 3rd edition of our FinTech Belgium Summit. I truly look forward to meeting you all!

Jean-Louis Van Houwe President of FinTech Belgium asbl/vzw www.fintechbelgium.be

FinTech Belgium asbl/vzw

It is therefore a joint responsibility for all the energies and taken initiatives, stemming from associations, sector leader or any political instances, to collaborate in order to reach one single goal: putting Belgium in the centre of the world wide Fin-, Insure- and Reg-Tech map and take our fair share of whatever opportunities arise, whether from Brexit, new technologies, new regulations, or any kind of trigger one has not yet envisaged.

FINTECH BELGIUM asbl/vzw

FinTech Belgium asbl/vsw

About us

Our missions

FinTech Belgium asbl/vzw is the Federation by and for FinTechs in Belgium.

•

o be a platform for dialogue with T regulators and other parties.

Created in 2015, our non-profit organisation is the first and biggest community of FinTechers in Belgium gathering financial professionals, startup entrepreneurs and investors, who are interested in discovering and discussing disruptive business models and new technology for the financial services industry.

•

o actively and tangibly promote the T FinTech sector in Belgium and Belgian FinTech’s abroad.

•

o share the experience, knowledge T and information within and outside the community.

 +2400 FinTechers

 +1600 FinTechers

 +2120 FinTechers

TWITTER +3540 FinTechers

 +3540 FinTechers

Our Team

Our Members We are a proud fast-growing community. In hardly 3 years, we represent over 80 members and our community keeps growing every week. Together we demonstrate once again how Belgium can bring strong innovation through technology and creativity in one of the hottest trends in todayâ&#x20AC;&#x2122;s financial landscape.

Technological Innovation Integrity

Transparency

Client centricity

Competence

A strong community can only be built around a shared vision. FinTech Belgium Association and all its members commit to our core values.

FinTech Belgium asbl/vsw

On May 2nd 2016, FinTech Belgium officially became a non-profit organisation grown from the spirit â&#x20AC;&#x153;by fintechers, for fintechersâ&#x20AC;?. The team includes 10 board members, amongst which a new President Jean-Louis Van Houwe, who support the association with their time, representing the members and association when talking to regulators and other parties, reviewing the membership applications and giving advice on the different activities. The operational team consists in three dedicated employees who manage all the events, memberships, partnerships and administration of the association.

THE RISE OF FINTECHS IN BELGIUM

FinTech Belgium asbl/vsw

Fintechs in Belgium have been growing and maturing tremendously in the past few years. Belgium can be proud of its history of financial services in payment and infrastructure. But what about the evolution of all the new players? Do we see diversification across other industries? Like us, youâ&#x20AC;&#x2122;ve probably wondered how many Fintech start-ups are emerging in Belgium. How many deals were closed in the past 5 years? How many fundraising events happened? How are investments, and investors, trending? And also, how is our small country doing in comparison with France or the UK?

Want to know more about THE RISE OF FINTECHS in Belgium? FinTech Belgium ASBL, in collaboration with Avolta Partners and data.be, has released a barometer â&#x20AC;&#x201D; the latest mapping of FinTechs in Belgium with a comprehensive study on how Belgian venture capital is trending toward Fintech investment, how dynamic the sector is, and how it differs compared to France and the UK and it can be found on: https://fintechbelgium.be/2018/10/22/study/

SERIES A: 46%

Fintechs in Belgium are at the beginning of their ascent. All fundraisings in recent years have been completed for Seed and Series A rounds.

SEED : 46%

36% of start-ups that raised funds in Seed raised funds in Series A within three years.

FinTech Belgium asbl/vsw

69% of fintech rounds were first-time startup fundraisings.

FinTech Belgium asbl/vsw 10

TIME TO RAISE MONEY

FinTech Belgium asbl/vsw

@avoltapartners @fintechbe @DataBe

BELGIAN MAPPING OF FINTECHS @avoltapartners @fintechbe @DataBe

Financing & investment solutions Financing & investment solutions

FinTech Belgium asbl/vsw

Infrastructure & En

Infrastructure & Enablin

Blockchain crypto Blockchain& & crypto

Payment solutions Payment solutions

Payment solutions

& o crypto

Neobank &Neobank insurtech& insurtech

Neobank & insurtech

FinTech Belgium asbl/vsw

Infrastructure & Enabling Technologies Infrastructure &Technologies Enabling Technologies Infrastructure & Enabling

NOTES

Our members

0smosis

www.0smosis.com Meet the bankers of tomorrow. These pioneers focus on creating the next generation of financial services day after day. With a well-drafted process, we have the elixir for innovative FinTech companies. Curious? This year we have created Helderlenen.be and Diavest, a blockchain supply chain platform. Want to learn more... catch us on our website and letâ&#x20AC;&#x2122;s have coffee.

Accountable

www.getaccountable.eu Accountable is a fast-growing FinTech start-up looking to change the lives of selfemployed workers in Europe. Our mobile app automates accounting and provides real-time tax tips for self-employed. Peace of mind & lower cost of accounting, we make the lives of consultants, architects & lawyers easy, so that they can focus on what really matters.

Aguilonius

www.aguilonius.com Aguilonius is a niche player in the domain of RegTech, providing software and services to financial institutions to comply with regulatory requirements.

Baltic Banking service

Beebonds

Bancontact Payconiq Company

Belgian Mobile ID

www.bbservice.lt/en/ Baltic Banking Service is an innovative FinTech provider of core banking and SEPA payments solutions for companies licensed in EU. Our SEPA GATEWAY payment solution connects your company to CENTROlink system. Core banking solution developed on microprocessors structure, so scalability and flexibility is adaptable for growing needs.

www.belgianmobileid.be Belgian Mobile ID is a consortium of Belgiumâ&#x20AC;&#x2122;s leading banks and mobile network operators that have joined forces to create the Belgian reference for mobile identity and digital privacy. The consortium has developed the itsmeÂŽ app, a new online identification and authentication solution, specially designed for the digital age and highly secure.

Our members

www.bancontactpayconiq.com Bancontact Payconiq Company, created in July 2018, will introduce innovative products for both domestic and European payments. The pivotal product will be a unified app for mobile payments. At the same time, the Bancontact card continues to spearhead electronic payments

www.beebonds.com Beebonds is a crowdlending platform which informs you about opportunities to invest into projects with great financial returns !

Our members

Birdee

www.birdee.co Gambit is specialized in digital investment advisory solutions. Our ambition is to put the customer at the heart of investment advice. In 2016 we created “Birdee”, a robo-advisor dedicated to Mass Affluent investors. Its aim is to make savings management easy and accessible for all. Recently we created Birdee for Partners, supporting the Financial Advisor

.blanco

Buy Way

www.buyway.be Payment solutions and Business Process. The company, whose head office is established in Brussels, counts about 275 professionals specialized in consumer credit. The main mission is to propose solutions of financing, to offer a follow-up personalized by every case and to innovate by launching new products intended to facilitate the act of purchase.

for wealth and asset managers

Blanco Services

www.blanco.services/nl “It’s not about us. It’s all about you and your clients. We want you to be in control of your future. And we definitely want you to be more efficient and economical. Our digital Asset Management platform has left all old standards behind. It will help you to get there. We’re blanco – Your invisible force behind Asset Management”

Cambridge Blockchain

www.cambridge-blockchain.com Cambridge Blockchain makes digital identity enterprise software. We simplify the storing, sharing and validation of personal data, using the highest levels of privacy and security. Our platform allows financial institutions to meet the strictest new data privacy rules, eliminate redundant identity compliance checks and improve the customer experience.

Co-libry

www.co-libry.com Co-libry is developing SaaS solutions for the real estate market, which helps to understand each searcher for a new house individually. Based on data capturing and user profiling we improve user experience, shorten sales cycles and retarget users better.

www.crowdangels.co Crowd Angels is a Crowd-as-a-Service platform that helps communities connect ideas and believers through omnisourcing.

www.data.be Data.be structures and enriches official business information. More than 11.000 daily users trust Data.be to help them with marketing and sales, credit decisions, background checks and compliance procedures. The team provides custom-made solutions for banks and Fintechs. These solutions range from the automatization of internal processes to the prevention of fraud. Data. be is an expert in delivering tools to improve back office efficiency and mitigating risk for financial institutions. Some solutions are the Mandate checker, Publication alerts, VAT link checker, UBO checker and pre-fill platform, Email checker and B2B Bank Account checker. The experienced development team innovated by creating a unique product: â&#x20AC;&#x2DC;Full Text Searchâ&#x20AC;&#x2122;. This technology allows users to search and monitor all publications from the State Gazette at lightning speed, using any keyword. It makes Data.be the perfect partner for preventing fraud, screening, and performing deep background checks.

Our members

Crowd-Angels

Data.be

REINVENTING INVOICING AND PAYMENT

Datylon

Our members

www.datylon.com Datylon designs, engineers and hosts digital solutions that turn your data into compelling visualizations. Delivering bespoke solutions, as well as standard tools, with Datylon you can create and share your own sophisticated data visualizations and unlock the real value – where communication, collaboration, decision making and overall productivity increase.

Deposit Solution

www.deposit-solutions.com Deposit Solutions is the provider of the leading Open Banking platform for deposits connecting banks and depositors across Europe. Our mission is to establish Open Banking as the new industry standard for the deposits business.

Digiteal

www.digiteal.eu Digiteal reinvents e-payments and e-invoicing through the following products: • a trusted payment solution that relieves the buyer and the seller from the anxiety of sales transactions • a QR code to pay your invoice and get your next invoice electronically • a web and mobile app to manage your invoices as a pro • a payment button to pay from any bank account in the EU

DigiTribe

www.digitribe.be At DigiTribe we co-develop our Tribes with the communities to bring innovation, relevant digital and start-up mindset to large corporate. • C ybersecurity Tribe to extend your security ops & gov with industry-leading expertise • Digital Enablement Tribe innovative cloud-based architecture • Data Science Tribe translate big data into business insights and value

DocByte

www.docbyte.com Since 2006, our team at Docbyte helps organizations with their digital transformation. By using the newest technologies, we are an accelerator in creating onboarding solutions for sectors like Finance and Insurance. With this solution, we can make the onboarding of customers shorter, easier and faster by reducing what was weeks to just a few minutes. Our members

Drebbel Technology

www.drebbel.eu Drebbel is an international sales and business development company with presence in Benelux, Nordics, DACH region and UK. Sales is our core activity. Financial services is our market place. Our mission is to bring new technologies to the right people within in the right organizations in the most efficient and effective way.

Easyvest

www.easyvest.be Easyvest is an online investment service that helps Belgians to simply build performant investment and pension plans. The company was created at Harvard Business School and was recently awarded Easyvest the title of most innovative company of the year by the Government

Our members

Edebex

www.edebex.com Edebex provides a quick, reliable and effective solution to any company wanting to streamline their cash flow, improve their cash management or optimise their working capital. Thanks to Edebex, businesses in need of liquidities can obtain them easily by selling their outstanding invoices on our online platform. Companies with a liquidity surplus can buy these invoices at a discounted price based on the quality of the debtor and the due date of the invoice. At the due date, the debtor pays the full amount and the investor gets his return. This exchange allows: • cash-needy entrepreneurs to quickly access the liquidities they need without the hassles and uncertainty of “ traditional “ finance • cash-rich entrepreneurs to invest directly in the real economy while earning substantial returns.

Ebury

www.ebury.be Ebury is a global financial services company that supports the growth of businesses that trade internationally. Currently, Ebury has helped over 1000 Belgian organizations expand their business internationally with a unique combination of currency, payment and lending solutions. Ebury is regulated by the National Bank of Belgium.

Elimity

www.elimity.com Elimity helps banks and financial institutions to improve their Identity & Access Management compliance. Our identity analytics software brings up to speed the tedious & labour-intensive compliance processes in order to withstand tomorrow’s regulatory pressure. This reduces costs and helps to be more continuously compliant.

Ewala

www.ewala.co Ewala is a digital platform that allows users to send mobile credits to more than 400 telecom operators in +140 countries. With their user friendly platform, Ewala is the diaspora’s N°1 choice when it comes to sending airtime. We connect 4.5 billion mobile phones across emerging markets and we’ll plug many more phones in the near future.

www.finflag.com FinFlag assists financial institutions, schemes, processors and merchants in optimizing their payment operation (card issuing, transaction acquiring, open banking, instant payment,…) and in defining their product and organisation strategy.FinFlag has developed dedicated solutions to help reconciling payment traffic and analysing payment product profitability.

www.finoryx.com Finoryx is a leader in Blockchain solutions applied to Capital Markets, and is active at the crossroads of business vision and technology revolution. With a proven track record of true Blockchain solutions delivered, Finoryx is launching Cryptody, its crypto-assets flagship program and is also representing the award winning KYC-Chain solution in Europe.

Guardsquare

www.guardsquare.com Guardsquare is the global reference in mobile application protection. We develop premium software for the protection of mobile applications against reverse engineering and hacking. Our products are used across the world in a broad range of industries, from financial services, e-commerce and the public sector to telecommunication, gaming and media.

Our members

FinFlag

Finoryx

Our members

Harmoney

www.myharmoney.eu Key to financial happiness Harmoneyâ&#x20AC;&#x2122;s software platform offers a unique solution to banks, financial advisors and insurance brokers to fully digitise the process of client onboarding, Mifid II profiling, reporting and follow-up of both private and professional investment clients. Harmoney is able to provide a true holistic view on total wealth thanks to account and portfolio aggregation.

Profile OK

Helder Lenen

www.helderlenen.be Helderlenen.be is the first digital-only mortgage aggregator in Belgium, built for and by digital natives. Our website helps homebuyers who want to finance their home by comparing their best options and removing complexity

Hublio

www.hublio.com Hublio is Belgiumâ&#x20AC;&#x2122;s first insurance robo-advisor. Policyholders store their policies and assets in one convenient, secure platform. They always have up-to-date information and know how well insured they are. Brokers and insurers regain time to focus on their advice, know and engage with their customers, and be compliant with GDPR, IDD and MiFID.

IbanFirst

iMoneytrans

www.moneytrans.eu Moneytrans, European leader in highspeed international money transfers, is no newcomer to the game: its savoir faire is backed by 12 years of experience. Moneytrans is a Belgian payment institution certified by the National Bank of Belgium. A real change from the traditionally onerous and user-unfriendly resources, iMoneytrans Corporate is a truly breath of fresh air in the industry, bringing both simplicity and savings through optimal use of new technologies. Tags: Money Transfer, Disruptive, Innovative, High-tech, Pure player, Efficiency

Ingenico ePayments

www.ingenico.com/epayments Ingenico ePayments is the online and mobile commerce division of Ingenico Group. We connect merchants and consumers, enabling businesses everywhere to go further beyond todayâ&#x20AC;&#x2122;s boundaries and creating the future of global commerce. We are the trusted partner of over 65,000 merchants who rely on us to make payments easy and secure for their customers.

FX Solutions

Money Transfers

Airtime Top Ups

Bill Payments

Prepaids Cards

Ferry Tickets

Our members

www.ibanfirst.com iBanFirst is an online platform that allows companies to make foreign payments and money transfers in 25 different currencies using real-time FX exchange rates. iBanFirst offers a genuine alternative to banks for FX services to companies doing business abroad, as its platform is easy to use, cost effective, fast, secure and without any hidden fees.

Our members

Ibanity

www.ibanity.com As PSD2 and open banking break new ground in the financial world, Ibanity focuses on banks as well as third-party providers to help them get the most out of the opportunities PSD2 has to offer. As a brand of Isabel Group, Ibanity boosts open banking and makes sure every one of our customers has a promising role to play in this new financial landscape. Thatâ&#x20AC;&#x2122;s why Ibanity paves the way towards compliancy for banks but is also looking beyond. With a full-service offering we support banks in reinventing their added value and developing new business models around APIs. For third-party providers such as merchants, developers, fintechs, accountants and also banks, Ibanity guarantees developer-friendliness and safe access to customer account information and payment initiation. Through just one API platform we offer connectivity, reach and a quick time to market for new financial products. Now is the time to unleash the potential hidden inside bank accounts.

IntellectEU

www.intellecteu.com IntellectEU is an international FinTech company with core expertise in integration, middleware solutions and development. Offices located in Belgium United States, Ukraine, Portugal and Mexico. We are an official SWIFT Service Partner, one of the founding members of Linux Foundationâ&#x20AC;&#x2122;s Hyperledger, IBM and Oracle Partner for Blockchain implementations

KLARNA

www.klarna.com/be More than 60 million customers love smoooth. That is why more than 90,000 web shops offer smoooth payments to their customers. Whether they use one of our payment methods or the complete checkout, all our products optimize the conversion of the web store. And that again yields growth. In Belgium we offer Pay now and the Klarna Checkout.

Koalect

Look&Fin

www.lookandfin.com Look&Fin is the first crowdlending platform in Belgium allowing SMEs to borrow directly from European lenders. It has raised more than 45 M€ for 200 SMEs with an average interest rate of 7.2% per year. More details: www.lookandfin.com

Loyaltek Lita.co

be.lita.co Crowdfunding platform – Social impact & Sustainable economy. In order to manage your finances in a more ethical way, LITA. co allows you to invest online in companies seeking social, environmental or other positive impacts. One can already invest from € 100.

www.loyaltek.com The future belongs to companies able to bring innovative payment solutions to the market. Our vast expertise allows us to build new solutions very quickly, including card issuing (including smartphone apps), transaction processing and payment terminals. We issue private cards as well as Visa and MasterCard and we developed our own payment terminals.

Our members

www.koalect.com Koalect is a Belgian startup that allows organizations to build their own crowdfunding, crowdsourcing or fundraising platform. We provide a SAAS solution that gives organizations the autonomy to manage a platform and launch campaigns themselves. In addition, we train organizations how to use our toolbox and communicate around it through dedicated support

Our members

Monizze-UP

www.monizze.be Monizze connects people and companies by developing management and transaction platforms that contribute to their wellbeing and performance. Thanks to Monizze, employees get a single card containing all their extra-legal benefits (meal, eco and gift vouchers). Monizze is an SME founded from a Belgian initiative that is now part of the Up group, one of the top 3 worldwide players in prepaid payment methods. It entered the market to provide an alternative to entrepreneurs and SMEs by focusing on a digital and easy-to-use solution, a competitive pricing and an excellent service. The Monizze team simplifies the daily life of its 25.000 companies, 20.000 merchants and 300.000 employees.

MeDirect Bank

www.medirect.be MeDirect, the Belgian bank specialised in mutual funds. With a worldwide selection of more than 500 funds, lists of top funds and ready-made Model Portfolios. And this without any entry and exit fees on 97% of the fund selection. Since the launch in 2013 MeDirect has over 30.000 customers who have entrusted the bank with more than â&#x201A;Ź1.5 billion

Mozzeno

www.mozzeno.com mozzeno.com is an innovative collaborative lending platform where borrowers and investors can be either individuals or businesses.The mozzeno platform and its modules are also available in SaaS / white label for other financial players.

NETERIUM

Open Collective

Norbloc

Orillia

www.neterium.io Regulated entities know the importance of a rigorous KYC process, but they want this experience to be frictionless, as customer expectations have been boosted by the digital economy. Jetscan is a KYC screening service designed from the start to operate in this API ecosystem, providing extremely fast, infinitely scalable and effective detection capabilities to banks and internet platforms.

www.norbloc.com norbloc is the premier blockchain platform and applications provider in Europe, focusing on financial services and government initiatives. It digitizes customer KYC profiles and simplifies compliance process allowing GDPR compliant sharing of validated customer data and monetization on KYC services among financial institutions and market participants.

www.opencollective.com Open Collective enables communities to create virtual non profits so that they can collect and disburse money in full transparency without the burden of creating and maintaining a legal entity. Facebook, Airbnb, Slack and many other companies are using it to contribute financially to online and offline communities that they care about.

www.orillia.be Orillia is a Belgian startup that provides services and products that contribute to the safety and growth of the Bitcoin network. Orillia is a certified partner of Bitpay for Belgium and provide integration services and support for Bitcoin in eCommerce solutions. Secondly, we manufacture Bitcoin mining equipment and have other projects in R&D.

Our members

Neterium

Our members

PaxFamilia

www.paxfamilia.com PaxFamilia is a digital family office that enhances the collaboration between the financial advisor and its client. We offer a secured online platform that centralizes detailed asset information of the clients. It allows the advisor to create personalized asset reports, to communicate with his client and to enrich his advice with intelligent financial and succession planning tools. A smart digital platform to boost your business.

POM

www.pom.be POM offers advanced invoice payment technology solutions which can be deployed in a multichannel environment (across e-mail, mobile, messaging and paper). POMâ&#x20AC;&#x2122;s mobile app is the trusted go-to destination for end-users to seamlessly pay, manage and archive any invoice â&#x20AC;&#x201C; both paper and digital â&#x20AC;&#x201C; from any supplier.

Private Lending

www.privatelending.be PrivateLending is the first Peer to Peer platform in Belgium that connects Corporate Borrowers and Sophisticated Investors through Private Corporate Debt.

Polybius

Qover

www.qover.com Qover rocks the status quo of insurance. We build our own insurance products and make them available in real-time through open APIâ&#x20AC;&#x2122;s. Any digital business model can embed or sell our products within minutes. Frictionless, transparent and relevant at the right moment. As tech pioneers we execute fast to build the new insurance stack. #HackingInsurance

Raisin

www.raisin.com Raisin is Europeâ&#x20AC;&#x2122;s leading deposit marketplace. We enable our partner banks to raise and diversify their funding or to monetize excess liquidity. Raisin operates country-dedicated platforms in Germany, France, Spain, Austria, Netherlands and the UK. Since 2013, we have delivered over EUR 8.0 billion in multi-currency funding to over 57 partner banks.

Our members

www.polybius.io FINANCIAL PEACE OF MIND FOR EVERYONE We are Polybius - the trailblazing ICO-funded Fintech company, which last year issued an unprecedented ICO raising ca $32 million. We decided to put a plan forward to improve the world of personal finance. The first key step was in 2017 - a successful ICO, involving 26000 people to develop the leading digital financial ecosystem. Funded through tokenomics, we want to be the first full online finance ecosystem in the European market. We are striving to become the partner of choice for your financial peace of mind. Our Ecosystem will be amongst the most deliver, for your finances, the ease of access and use you have been accustomed to get elsewhere.

Our members

Raizers

Seraphin

Recovr

Slimpay

www.raizers.com Raizers is an online investment platform that allows every person or company to build and follow its own portfolio through a full catalogue of European SMEs, selected by our analysts team. Since its accreditation as Participative Investment Advisor in France, Raizers opened offices in Switzerland, Belgium and Luxembourg.

www.recovr.be recovr helps SMEs stop worrying about unpaid invoices by makingcredit management and debt collection enter the digital age. Our SaaS platform centralizes every information and automatesevery step of your debt collection, from matching payments to the judicial recovery. Using recovr, you will be paid faster, with less effort.

www.Seraphin.be Seraphin is the leading online B2C insurance broker. Our mission is to make our customers happy with a relentless focus on simplicity and transparency - offering the best protection for their needs at unmatched prices. Our team of hero advisers go to great lengths to satisfy clients, leveraging a portfolio of 35+ types of insurances from 25 insurers.

www.slimpay.com Founded in 2009, SlimPay is a licensed payment institution passported in several European countries. In addition to processing SEPA payments in EURO for fixed and variable payment plans, SlimPayâ&#x20AC;&#x2122;s API-driven Direct Debit solution provides value-added technologies and services enabling merchants to effortlessly onboard customers, increase customer lifetime value and maximise collected revenue.

SPREDS

www.spreds.com Spreds is an Investment platform offering everyone, regardless the size of their assets, an easy way to invest in businesses that improve their surrounding world. Spreds strives to help them mitigate their investment risks through transparency, education and diversification

www.swanest.com Swanest is an online investment service that uses automation & algorithms to help selfdirected investors in building and managing personalised investment portfolios.

www.topcompare.be TopCompare.be helps people make the smartest financial decisions by comparing financial products in an easy way. We strive to increase financial education, market transparency and access to financial products. We are growing rapidly since our launch in 2015. Last month we helped 200,000 Belgians â&#x20AC;&#x201C; and growing â&#x20AC;&#x201C; save time and money. Our members

Swanest

TopCompare

TradeRouter

www.traderouter.com TradeRouter builds innovative trading & investment solutions for financial services providers based on its in-house developed social & (semi-)automated trading technology. TradeRouter technology links interaction around and execution of investment strategies, blends digitalization and human interaction in the investment process. All of this with one single goal: engage investors and help them to make better investment decisions.

Tricount

Our members

www.tricount.com The solution for organizing Group Expenses, after a trip or a group activityâ&#x20AC;Ś Fast, free and simple. Also available on Facebook, for iPhone and Android.

Twikey

www.twikey.com Twikey offers innovative omnichannel solutions facilitating the digital commerce payment processes. By using our platform recurrent payments are made smarter, cheaper and more customer-friendly. We offer solutions for identification with itsmeÂŽ, digital contract signing, online SEPA mandates, collections in collaboration with the banks and a full payment follow-up.

Unifiedpost

www.unifiedpost.com UnifiedPost provides a complete technology portfolio for identity management, document processing, robotic accounting and apps with added value. We are a unique onestop-shop cloud provider for optimizing the financial B2B value chain, from order to invoicing and payment, from employment contract to pay slip.

Technologies

Vadis Technologies

VCE

www.sbf.com VCE is a fintech with societal goals. Our of the shelve untapped financial solutions add the following value to financial institutions: • readily boost credit without affecting Basel III solvency ratios • e nsure short term credit continuity in case of financial crisis • lend to corporates at lower rates while improving return

ZappTax

www.zapptax.com ZappTax is a tax-free shopping mobile app that facilitates the way international travelers can obtain a refund of the value added tax (VAT) charged on the goods they purchase in the European Union…

Our members

www.vadis.com Vadis Technologies is a regtech company developing KYC and AML solutions. We harvest and enrich complex business data to offer risk scoring and 360° third-party monitoring. With credentials like the European Commission or Moody’s Bureau Van Dijck, we help our clients gain insights on their business and third parties.

Our members 36

NOTES

Programme

PROGRAMME STAGE 1

N 08:00 08:45

PROGRAMME STAGE 2

 HENRY LE BOEUF

 SALLE M

Registration & Welcome coffee Registration 08:00  Registration08:00 & Welcome coffee & Welcome coffee 08:45 of Finance and FinTech Belgium 08:45  Opening Ceremony by the Minister

09:00

09:00 the Hype by Koen De Leus FinTech Beyond the 09:00 Hype byKoen De Leus FinTech Beyond the HypeFinTech by KoenBeyond De Leus

09:10

: TheBelgium Rise of FinTech by FinTech Belgium Study : The Rise of FinTech by FinTech Belgium 09:10  Study : The Rise of 09:10 FinTech Study by FinTech

09:20

Session 1. Payments

09:20

Startup Pitch Battle Session 1

Introduction by Jean de Crane (Isabel Group)

Intro by Robin Wauters (TechEU) One of the

Experience feedback from the NBB by

Winners of 2017: Elimity, 1 year later

Reinout Temmerman with Catherine Houssa