DIGITAL FINANCE SUMMIT 2021 Digital Finance Summit 2021 3 TABLE OF CONTENTS A word from Fintech Belgium’s Chairman 4 FinTech Belgium 6 BAx 8 EDFA 10 Fintech Belgium’s members 14 A word from the Minister of Finance 48 46 DFS Partners 50 Programme & floorplan 86 Networking 90 Detailed agenda 92 Stage 1 / Main stage 92 Stage 2 / EU Fintech Pitch Battle 102 Stage 3 / Interactive Sessions 104
Dear FinTech Community, Dear Welcomefriends,to the Digital Fi nance Summit DFS-2021, the sixth edition of our an nual event: SUSTAINING ECONOMIC RECOVERY!
A last special word of gratitude to the Fintech Belgium team and those volunteers from the Board of Directors and from our members (more than 120) that are spending lengthy non-profit hours to make this all happen! …including the numerous webinars & events organised through out the covid-19 months.
WORD FROM
A
For this sixth edition, we will address the most burning questions re garding Digital Finance, with the special focus on Banking, Insurance, Technology and the Economic Recovery.
It is a magnificent pleasure being able to organise the sixth edition of what has be come the recognised and unavoidable international Fintech event in Belgium, the Digital Finance Summit. This year again, the covid-19 virus has invited itself but in two different ways: first of all, the Summit will be held on a “phygital” form, yet allowing us, at last, to meet and greet after months of numerous and rather impersonal teleconferences. Secondly, we are going to tackle the world after the crisis and how to boost the economic recovery in our country! And mind you, the Fintech sector will be instrumental in achieving this objective, as it has already revealed its usefulness in operating government crisis measures.
• a second stage where EU start-ups will steal the show with their compelling pitches during our European FinTech Pitch Battle!
• a main stage with eminent keynotes, debates and use cases.
• a third stage dedicated to interaction where you will deep dive into specific topics during immersive round tables and hands-on
Lookingworkshops.inEurope, we see countries that have so well understood the Digital Finance Summit 20214 Jean-Louis Van Houwe Chairman FinTech Belgium asbl/vzw
I would like to warmly thank all those fintech lovers and passionate people that have supported our non-profit organisation, striving to pro mote and animate our exciting financial services sector. Special thanks to Febelfin with whom we have partnered in organising the event, and many thanks to our supporting partners without whom this event would never take place.
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This year the FIRe Hub, our Fintech, Insurtech, Regtech, etceteraTech (FIRe) Powerhouse is alive and kicking: 7,000 square meters dedicated to co-work, meet, and learn for the European fintech community at the Central Station, Brussels. FIRe already hosts our non-profit federation and the association of 13 European Fintech associations - the EDFA (European Digital Finance As sociation) of which Fintech Belgium is a founding member. This space at the heart of Brussels provides a wonderful business lounge to all those policy makers and Fintech specialists meeting to craft our indus try and deciding on policies such as the PSD2, OpenBanking, Dora, eID or the CBDC (Central Bank Digital Currency).
Our future is bright and being written as we breathe: Bigtech are looking with greedy eyes on providing financial services, Banks and Insurers are transforming themselves, and this, so often with the help of the fintech start-ups and scale-ups. Not only are the USA flooding our countries with Tech services but Asia, China in particular, has also decided to be come a major player in Europe. In conclusion, I truly look forward to meeting you during our 6th Edition of the Summit. We shall have such a great time exchanging and sharing ideas and dreams! Yours sincerely!
importance of the Fintech sector, being a catalyst, a facilitator of the Recovery. In Belgium, we are making our governments aware of this development, but the trends are clear and indisputable: fintech is the number one investment sector, far ahead of any other tech sectors! Our fintech sector has also well understood the importance of econom ic development in a sustainable way. ESG is becoming more than an acronym for our sector: more and more innovative services are created with SDG at the core of their design. It is therefore certain that our sector will continue to strive in the future, contribute to the recovery, even accelerating it, while taking each year more investment share and attention of investors and governments. Each year, Fintech Belgium continues its development and focus on new verticals. After the creation of the Insurtech, and Regtech verticals we are proud to announce the creation of our Blockchain vertical: Belgium has missed many Fintech opportunities over the last years to other Eu ropean capitals. We believe that Blockchain could represent a fantas tic differentiator! We have already a beautiful ecosystem of investors, brains, and entrepreneurs specialised in this revolutionary & structuring technology. With the focus of the Relaunch plan of Thomas Dermine on digitisation of our public institutions with the help of Matthieu Michel, Belgium can surely make the difference.
ENHANCE
Digital Finance Summit 20216 THE INITIATOR
INNOVATION IN DIGITAL FINANCE
To support startups and scale-ups active in bringing transparency and innovation in our industry, we focus on three missions:
To actively and tangibly promote the FinTech sector in Belgium and Belgian FinTech’s abroad.
Our Team:
To share the experience, knowledge and information within and outside the community.
FINTECH BELGIUM asbl/vzw
On May 2nd 2016, Fintech Belgium officially became a non-profit organ isation grown from the spirit “by fintechers, for fintechers”. The team includes 8 board members, with Jean-Louis Van Houwe as chairman, Patricia Boydens as VP and ambassador for our vertical Insurtech Bel gium, Pieter Lambrechts as treasurer, Joan Carette as secretary, JeanFrançois Heering as ambassador for our vertical Regtech Belgium, Toon Vanagt, Xavier Corman, Béatrice de Mahieu and Johannes Vermeire. The board of directors supports the association with their time, repre senting the members and association when talking to regulators and other stakeholders, reviewing the membership applications and giving advice on the different activities. The operational team consists in Ales sandra Guion, Regina Piffarerio, Ioana Duca and part-time Xavier Cor man. This team of dedicated employees manages all the events, mem berships, partnerships and administration of the association supported by occasional trainees for FinTech Belgium’s communication and our annual summit.. +3600 FinTechers +5300 Members +2650 FinTechers +3700 Followers +1700 Followers
•
The Digital Finance association by and for fintech, insurtech, regtech, accountingtech, ... Since 2015, FinTech Belgium gathers the biggest and very dynamic eco system of Digital Finance-savvy experts to discuss disruptive models and support the development of new technologies for the finance indus try. We federate and represent over 120 members active in the Belgian market…
To be a platform for dialogue with regulators and other parties.
•
•
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• The European Digital Finance Association (EDFA) > see page 8. for more details
FIRe Hub:
In 2020, we have launched the largest hub dedicated to Digital Finance, located in the heart of Europe in Brussels, Belgium. It is the meeting point for Belgian actors and international business travellers. The right place to meet like-minded people and give root to new ideas and co-operation that will become the breeding ground for innovation and collaboration in the Digital Finance world. Join us: www.fire-hub.rocks
• The Blockchain Association of Exchange Platforms and Custodians > see page 6 for more details
In the past year, Fintech Belgium has become a very proud founding member of two crucial non-profit associations:
Our Members:
EDFA and BAx:
Technologicalinnovation Integrity Transparency centricityClient- Competence
We are a proud fast-growing community. In hardly 6 years, we represent more than 120 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 today’s financial landscape.
A strong community can only be built around a shared vision. FinTech Belgium Association and all its members commit to our core values.
Blockchain, DLT, Decentralized Finance and digital assets are profoundly transforming the financial and digital services of our daily lives.
2. PROMOTE - Advance the Belgian ecosystem as a global centre for blockchain technologies. - to encourage the development of a secure and competitive national and European legal framework in Belgium
The BAx has the mission to:
Digital Finance Summit 20218 BAx The Blockchain Association of Exchange Platforms and Custodians
4. DEVELOP - ACCELERATE - in close collaboration with Fintech Belgium, provide infrastructure and training to entrepreneurs, SMEs and businesses in the digital asset economy and thus promote local employment.
The real challenge for the BAx and our country is to find a solution that
3. REPRESENT - to create communication channels within the finance and insurance industry and government to share knowledge, - identify opportunities and thus ensure a safer digital future
1. FEDERATE - represents the voice of the blockchain and digital asset industry in Belgium
5. EDUCATE - to help companies to increase their competitiveness through blockchain. - to make the general public understand the implications of these technologies. Its objective is to advance the interests of the public and to promote blockchain for the economic development of Belgium. The aim of the association is therefore to promote the attractiveness of Belgium as a leading country for blockchain-based activities. Investors are looking for security, especially legal security when investing in entirely new technologies.
Companies active in blockchain in Belgium still face competitive com plexities that are not yet in line with national and European regulations.
Digital Finance Summit 2021 9 is adapted, on the one hand, to the tasks of national legislators who must protect consumers and guarantee their security and the integrity of the markets as much as possible, and on the other hand, to allow the development of a competitive service offer in an environment that knows no borders. By establishing a dialogue between the different levels of power, regu lators and financial institutions, the BAx will therefore devote itself to improving the public policy environment so that blockchain-related pro jects, particularly those subject to prudential obligations, can flourish in Belgium while respecting privacy and data protection.
The European Digital Finance Association
Our Objectives are...
To be a network catalyst of collaboration between EU ecosystems,
Digital Finance Summit 202110 EDFA
To represent the Digital Finance players at a European level to Promote EU Single Market for Digital Finance Services, Ensure prosperity by increasing the competitiveness of European companies Help make an innovation-friendly regulatory framework, Build an open data infrastructure, which facilitates the cre ation of new products Financial technology will also aid the European economic recovery post covid-19 as digital solutions can enhance access to finance for consum ers and businesses and ultimately improve their financial well-being..
Established in 2020, EDFA unites thirteen European national fintech as sociations and their several thousand members, and technology com panies. EDFA members range from startups and financial institutions to investors and professional services companies. All can profit from EDFA’s position as the single point of contact to promote favorable poli cy and business opportunity. Digital finance will boost the European economy and improve the lives of consumers and businesses.
The European Digital Finance Association (EDFA) is a non-profit collaboration network of the EU ecosystems that represents the digital finance community. The purpose is to support Europe’s global role in the financial technology sector.
CURRENT MEMBERS
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Let’s work with greater agility. For many businesses, cloud transformation has gone from a two-year plan to a this-month plan. With experienced teams and open-source solutions, businesses are modernizing apps and making data AI-ready on the IBM Cloud.® Securely. ibm.com/cloud/go-hybrid
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NOTES
IBM and the IBM logo are trademarks of International Business Machines Corporation, registered in many jurisdictions worldwide. Other product and service names might be trademarks of IBM or other companies. A current list of IBM trademarks is available at ibm.com/trademark. ©International Business Machines Corp. 2021. B34315
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MEMBERSBELGIUMFINTECH
Adyen Adyen (AMS: ADYEN) is the pay ments platform of choice for many of the world’s leading com panies, providing a modern endto-end infrastructure connecting directly to Visa, Mastercard, and consumers’ globally preferred payment methods. Adyen deliv ers frictionless payments across online, mobile, and in-store channels. With offices across the world, Adyen serves custom ers including Facebook, Uber, Spotify, Kinepolis, Kazidomi and Maison Dandoy. www.adyen.com/en
Aguilonius Aguilonius is a niche player in the domain of RegTech, pro viding software and services to financial institutions to comply with regulatory requirements. Fast and easy solutions for Pru dential reporting to the National Bank of Belgium, Central Ac cess Point reporting, AnaCredit reporting embedded in BECRIS and readiness for the emerging Integrated Reporting Framework (IReF) requirements. Aguilonius is also active in next-gen Better Legislation processes with Ma chine Learning initiatives based on NLP techniques. www.aguilonius.com
Aion Bank Aion Bank is a full-service, fully licensed digital bank that com bines the best in technology with the breadth of services and guarantees of a traditional bank. Aion’s unique subscription mod el gives members access to its exclusive financial products, in cluding very high interest rates on savings accounts and com mission-free portfolio manage ment, as well as daily banking services, for a fixed monthly fee. aion.eu/be-en
AiVidens Predict customers’ payment issues and prioritize collection efforts with AI! With our Saas AI solution, under stand when your customers will pay their invoices and identify key payment patterns and risks for a given debt portfolio. Use these predictions in our sim ulation tools to determine the collection strategy most aligned with your cash and Profit & Loss objectives. www.aividens.com
TheCommunity.AREA42 team is united by a common mission: to create, innovate and manage solutions for a fluid and risk-savvy trade environment. We believe in a frictionless B2B trade environ ment empowered by TradeTech. Join us! area42.tech
Apideck helps companies to build fast-growing ecosystems at scale. With a unique mix of ecosystem solutions and APIs, it has an end-to-end platform to help tech companies like Isabel Group, Invoice2go, Gong, Perso nio future-proof their platform strategies. Through the Open Banking Tracker, Apideck leverages its platform to help map the open finance ecosystem for all stake holders to build the world’s most comprehensive reposito ry of Financial Institutions and Third-Party providers. www.apideck.com
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Alma Alma, a leading BNPL actor, pro vides solutions to merchants across Europe willing to increase their turnover (up to +20%) and to optimize their customers’ UX. Its plug-and-play services, ap proved by the French regulator, are omnichannel (retail, e-com merce, Bancontact...) and have already been adopted by 4500 merchants and 1M clients (as of Sept. 2021). With Alma the cus tomers pay later, allowing them to better handle their budget, while merchants get paid right away and don’t bear any risk. getalma.eu Altares Dun & Bradstreet As expert in business data, Altares Dun & Bradstreet col lects, structures, analyzes and improves B2B data to make it “smart”. With our information about clients, suppliers or part ners we facilitate decision mak ing for senior and operational managers. The Altares Dun & Bradstreet group offers its ex pertise in the entire data value chain. Altares Dun & Bradstreet, the world’s largest international B2B information network, offers unprecedented access to its databases of more than 350 mil lion companies in 220 countries. www.altares.be
Apideck
Area42 AREA42 is the Trade Innovation Ecosystem of Europe and the home of a buzzing TradeTech
b.fine Getting the data right and getting the right data is crucial for finan cial institutions when it comes down to regulatory reporting. Therefore, financial institutions rely on b.fine to transform their time-consuming, inefficient reporting processes into an ef fective reporting supply chain. Through our unique mix of ser vices and technology solutions, we are leading financial institu tions from regulatory reporting towards regulatory intelligence. www.b-fine.eu
Bancontact Payconiq Company
Our payment habits are chang ing fast. Technological inno vations succeed each other. Bancontact Payconiq Company considers the current situation as a positive challenge. We aim to be an industry leader in elec tronic payments and the asso ciated services for companies and consumers. Consumers can pay electronically with the Bancontact card, pay mobile via the Payconiq by Bancontact app or withdraw cash with their trust ed Bancontact card. Bancontact Payconiq Company continues to evolve the means of payment, helps companies to grow, and improves people’s general shop ping experience. www.bancontactpayconiq.com
Bankable Bankable provides a payments and digital banking platform and ecosystem. Its infrastructure en ables financial institutions, cor porates, and fintechs to launch or integrate real-time/cross-bor der payments, e-wallets, virtual accounts, and card programs. The technology (white-label or via APIs) is agnostic to clients’ use case, geography, and exist ing IT landscape.
Belgian Mobile ID
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Global Payment Services
We are payment institution handling thousands of trans actions each day, empowering forward-thinking payment plat forms, mobile wallets and re mittance companies. Belmoney offers the most competitive for eign exchange rates and a lowcost and efficient platform for banks and money services busi nesses to support payment and remittance services. Belmoney makes transfers and payments faster and easier. bel.money
Belgian Mobile ID is a consorti um of Belgium’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 itsme® app, a new online identification and authentication solution, specially designed for the digital age and highly secure.
www.bnkbl.com
www.belgianmobileid.be
Belmoney Transfert
Banking SDK One software library connects you to thousands of banks APIs using PSD2 and openbanking solution.
www.bankingsdk.com
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Blanco Services
bonsai bonsai is a mobile payment solu tion that is designed with local shoppers in mind. Our solution removes the need for cards or terminals, making life that little bit more simple and payments that little bit more fun. www.paybonsai.com
At Blanco, we firmly believe in the symbiosis between mankind and machine. Technology brings efficiency and lowers costs, while people will always bring trust and empathy to the table. That’s why we’re developing a digital Wealth Management Plat form that saves time and money by automating the entire wealth management cycle, including the KYC process, in a responsi ble and honest way. We are Blanco. Your invisible force in blanco.services/nl/WealthTech
BIT4YOU bit4you is very proud to be the first crypto exchange operating from Belgium at European level. At bit4you, we work continuous ly to comply with all existing reg ulations and strive to be in line with all anti-money laundering and terrorism financing pro cesses. We are convinced that creating a safe environment for our customers, is the key to the future of our business. www.bit4you.io
Buckaroo Buckaroo, founded in 2005, is a Payment Service Provider with offices in Utrecht and Brussels. The company focuses on the full service around payments: from Smart Checkout with over 40 (in ter)national payment options for e-commerce payments to exten sive customization in debt col lection, Subscription Services, Marketplace Split-Payments and Credit Management. More than 4,000 companies in the Benelux, including corporates and web shops, are using Buckaroo’s pay ment technology. www.buckaroo.eu
Cashplannr BV is a legal Belgian entity, helping entrepreneurs take better financial decisions. cashplannr.com cinvio Making payments in logistics smoother, easier and simply possible. cinvio is a B2B prepay ment platform and digital wallet solution for the logistics indus try that simplifies and facilitates trade between all stakeholders. cinvio unlocks new business op portunities and optimises finan cial flows in a fast, secure and automated way. How to find new revenue streams? And, more importantly, how to monetise them and make them run as smoothly as their core business does? cinvio, con sider it settled. www.cinvio.com
At Byebyerent we believe acquir ing a home should be accessible for everyone so we have created a new path towards ownership.
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Buy Way Buy Way is the undisputed leader in financing solutions at points of sales and for e-commerce. It also offers credit solutions to cli ents active in financial services. It proposes transparent and fluent financing solutions, inno vative products to optimise the purchase experience, personal ize the service to each client and retailer. The company disrupts the consumer finance indus try with a fully digital intuitive solution, at points of sale and www.buyway.be
cashplanner
One where we front you today the missing equity of your down payment for a share of your home’s future appreciation. It’s like buying the portion of your dream home you can afford today and buying the rest when you’re ready… www.byebyerent.com
e-commerce..
Byebyerent
Our self-learning algorithms al low us to learn and improve re sults over time. We are currently working with some of the largest financial institutions in the BEN ELUX and expanding to the rest of the European Union. contract.fit
Cogarius
Understand problems with people before designing solutions for people. Digital products don’t meet their full potential because the prob lem is often ill-posed. We make ideas emerge and prove they are right by confront ing them to practice and reality through a human-centered ap proach. Human resources and its organisation can be a source of great value. There is even more value to be found inside your organisation. We believe value can be preserved along the way from the strategic view to product delivery. www.cogarius.com
contract.fit Contract.fit allows financial ser vice institutions to save time and money by automating cog nitive tasks such as classifica tion, extraction, and validation of data from any documents. Typical use cases: • Invoice, Accounts Payable and P2P Automation
• Email Routing • Claims Handling
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Creditsafe Creditsafe, the Global Business Intelligence Experts, changing the way you do business. More than 115.000 customers & 500.000 users worlwide use our solutions to support and optimise their risk- and credit management, workflows and strategic business decisions. As the most widely used provider of business and credit infor mation & integrated company data, Creditsafe has the world’s largest database of company information with more than 365 million company and director data, across 160 countries. www.creditsafe.com
Cryptowaas Here at Cryptowaas we believe in the future of crypto. That is why we want to be part of this revolutionary change by making “Crypto” accessible to everyone, regardless of back ground or knowledge. Our goal is to make sure everyone can be a part of this future! That’s why we’ve made it easy for anyone to buy or sell cryptocurrency. www.cryptowaas.be
Data.be Data.be structures and enrich es official business info from authentic sources. Our APIs and SaaS-tools enable banks/ FinTechs to speed up digital onboarding, credit decisions, background checks and com pliance procedures (KYB/UBO/ AML). Our screening solutions automate compliance process es and offer better insights on counter parties. Test our pre-fill platform, alerts and checkers for Mandates, B2B Bank Accounts and VAT links. Use data.be to improve your compliance effi ciency and risk mitigation. www.data.be
Datavillage
Datavillage unlocks the value of personal data. We give back control of the data to users and enable organizations to provide a personalized experience with Userprivacy.data produced on the Inter net is sent back to their personal data store. By managing consent and en forcing confidentiality, the Dat avillage solution allows compa nies to process these new 3rd party data sources without hav ing to manage or collect them. Companies use the derived data in their digital channels for per sonalization. datavillage.me
Digital Finance Summit 2021 23 Didid Dream and save safely. Didid is not a bank. But you can securely link your Didid profile to your bank account*. With the ap plication, you assign a savings goal to each dream. At any time, you can check where you stand in relation to your goal and thus to the finan cial realisation of your dreams.
An important detail: during the entire operation, the money remains in your own bank account(s) !
Digiteal Digiteal has 3 areas of expertise: Invoice presentation, Payment and Bank Statement Access. With a certification as Payment Institution, European standards and creativity, Digiteal provides multiple solutions to help busi nesses get paid faster, more reg ularly and at a lower cost. Looking to implement best prac tices in payment collection and treasury management? Let’s talk about your business. www.digiteal.eu
REINVENTING INVOICING AND PAYMENT
DocByte
DigiTribe DigiTribe is an IT & business consulting company specialized in Cyber Security, Cloud, Archi tecture and Digital Enablement. We co-develop our services & approaches with the community to bring innovation, leverage dig ital practices and infuse purpose to large corporate organizations in digital transformation. We encourage « many-to-many » or ganic relationships to crack the opportunities and solve the busi ness problems that conventional skillsets and approaches can’t. www.digitribe.be
From banks and insurers to any one who is confronted with reg ulatory requirements, we help digitize the paper trail and auto mate all your business process es from first contact to signed Ourcontract.mission is to be one of the main providers of digital infor mation management solutions for large organizations. We ena ble growth in digital operations, enhance the efficiency of our customers’ business processes, improve quality, increase pro ductivity and add focus to the organization’s core purpose. www.docbyte.com
www.didid.be
www.edebex.com
Drebbel Technology
www.econodigital.be Edebex Edebex, a Belgium-based fin tech founded in 2013, created an innovative B2B online mar ketplace where companies in need for working capital can sell their non-due receivables to other companies that have an excess of cash available within less than 72 hours. Edebex of fers its seller clients a simple, accessible, fast and flexible fi nancing solution allowing them to strengthen their cash flow position. The companies at the investor side are attracted by a unique investment opportunity combining high security, high li quidity and an interesting return.
www.drebbel.eu
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BYRSSA is a digital marketplace that connects all players in the European Fintech ecosystem : start- and scale-ups , vendors and service providers , industry bodies and investors. It facili tates the investment processfrom research via matching upto deal closure - between fintech firms and professional inves tors. The marketplace, thanks to the use of the latest blockchain and data technology, allows for low-risk diversified digital asset portfolio building, even with rel atively small funds.
Econodigital Econodigital develops B2B auto mated investment solutions that help wealth managers and pri vate banks attract new custom ers by focusing on the rapidly evolving needs of today’s mass affluent customers.
Easyvest Easyvest is an online investment service that helps Belgians to simply build performant invest ment and pension plans. The company was created at Har vard Business School and was recently awarded Easyvest the title of most innovative company of the year by the Government www.easyvest.be
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• I help and support corporates and SME in identifying, ana lyzing and managing financial risks. • I analyze and advise on life and non-life insurance.
Elmore Services
• I analyze and advise individ uals and families on their financial needs, including re tirement planning, education planning, investment manage ment, estate planning, active investing, banking services management and loan needs.
Edenred Edenred is a leading services and payments platform and the everyday companion for peo ple at work in 46 countries. In Belgium, Edenred offers specif ic-purpose payment solutions for food (Ticket Restaurant), ecological purchases (Ticket EcoCheque), rewards (Ticket Compliments, Ticket Sport & Culture, Ekivita Edenred, Accen tiv’), mobility (Mobility Edenred) and public sector solutions. These solutions enhance em ployee well-being and purchas ing power. www.edenred.be
Elmore are a specialist risk and insurance intermediary offering advisory, broking and claims management services, acting on behalf of a diverse spectrum of clients, from start-ups to scaleups, established nationals to multi-nationals, with a particular focus on new risks and emerging threats such as cyber-attacks, intellectual property theft, busi ness interruption, supply chain failure and reputational harm damage. elmorebrokers.com
4 Projects in Fintech : MirWare BicDetective –
Omniscopy - K Linx –InfiniteDATA www.linkedin.com/in/emmanuel-ngenyibungi
NgenyibungiEmmanuel
ElysianNXT ElysianNxt is a fast-growing Regtech company focused on developing the most techno logically advanced, user-friend ly, real-time Risk and Finance solutions. By adopting the latest technologies, it enables firms to react faster, smarter and cheap er to the ever-increasing chang es in global compliance (Basel III – IV Credit Risk, Liquidity Risk, Market Risk and Interest Rate Risk as well as IFRS 9). Com prised by industry veterans and subject matter experts, the com pany was established to provide an alternative solution to the traditional, outdated, monolithic applications that the financial industry is accustomed to. The .NXT platform delivers real-time performance, fast implementa tion/upgrade times and a user interface designed specifically with the end-user in mind. www.elysiannxt.com
FinFlag FinFlag, a Belgian Fintech, market B-CEPHAL, a no-code software dedicated to the back-offices of companies in the payment sector such as - Settle ment agent, BIN sponsor, Fund transfer, Card issuer, ATM & POS acquirer, Mobile money, Market places, Retailers… The solution is non-invasive, scalable, multi-users and cus tomized by parametrization. The solution encompasses several modules such as recon ciliation, industry accounting, billing, scheme invoice monitor ing, budget & forecast, analytics, alerts, dashboard, ABC Costing. www.finflag.com
Features Analytics is a leading AI technology company servic ing the financial industry. With principles originated in cancer detection, the company devel oped eyeDES®, a unique tech nology, surveillance platform and solutions to identify market abuse in the financial markets, to detect fraud and money laundering, cutting significant ly the cost of compliance and the impact of regulatory fines.
Finatic We are a Belgian FinTech com pany, providing high-value digital services & solutions combined with experience in digital assets, in shared public ledgers technol ogies and in data engineering. We’re a player in the crypto mar ket niche, providing customers with advices and technical solu tions to meet the challenges trig gered by the “blockchain revolu tion”. FINATIC flagship solutions enable business customers to manage and process their digital assets cost-effectively, securely and reliably. www.finatic.be
Finoryx Finoryx is a leader in Blockchain solutions applied to Capital Mar kets, and is active at the cross roads of business vision and technology revolution. With a proven track record of true Blockchain solutions deliv ered, Finoryx is launching Cryp tody, its crypto-assets flagship program and is also represent ing the award winning KYCChain solution in Europe. www.finoryx.com
Features Analytics
Features Analytics collaborates with top worldwide banks, in vestment banks and market in www.features-analytics.com
frastructures.
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GoodGhosting started with a vi sion to build an application that would make saving addictive, using the magic of decentralized finance (DeFi) and gamification. We are pleased to say this vision is now quickly becoming reality. We sit at the intersection of DeFi, FinTech and goal-based saving, providing our users new and in novative tools to hit their finan cial goals. We are offering a more reward ing and fun way to save. We do this via a gamified savings app that runs on the Ethereum blockchain (Web3) and plugs into DeFi stablecoin lending platforms. We aim to provide a more accessible route to DeFi - with meaningful returns - that helps users build better financial habits. goodghosting.com
Finventory provides a diversified range of services:
Finventory
Our vision of the future: to evolve into a dynamic platform where the flow of goods is matched with the flow of money within the supply chain. “We transform inventory into www.finventory21.comcapital”
GoodGhosting
Fixico is Europe’s leading digital car repair management plat form. On a mission to reshape the industry’s ecosystem, Fixico connects drivers, businesses, and body repair shops in entirely new ways. Its digital expertise significantly improves the repair process with an effortless repair journey, increased efficiency and access to a network of +2,500 repairers. A group of world-class investors backs Fixico, and its services are trusted by over 150 fleet-, lease-, rental- and insur ance companies. fixico.be/fr
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Finventory offers an automated, highly secure IT platform that provides full insight in the actual state of inventory and risk driv ers for inventory-based lending. Our solution
Gambit Gambit is a financial technology & service provider. We deliver ex pertise and business solutions in investment advisory, portfolio optimization and risk manage ment. Our goal is to make money a better support for what comes next, through technology. Our in novative, yet intuitive tools allow financial institutions to better serve their clients, whilst meet ing their risk preferences, invest ment constraints and objectives gambit-finance.com
Fixico Services
• Automatic data processing • Daily calculation of bor rowing base • Risk Analysis
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Harmoney provides a next-gen eration digital platform of solutions that automates and streamlines complex onboard ing and end-to-end, continuous compliance processes while delivering frictionless user ex periences. By maintaining a complete, high-quality, reusable financial passport for each indi vidual and corporate customer, Harmoney remotely orches trates all interactions between the front office (relationship management), the back office (compliance) and end users. www.myharmoney.eu
Greenomy
Harmoney
Greenomy’s mission is to digital ise sustainability reporting from end-to-end, to vulgarise the EU Taxonomy and further taxon omies and make it accessible to all players, large or small, as well as accelerate the imple mentation of the EU Taxonomy to guide the transition towards carbon Greenomyneutrality.translates 1000s of pages of legislation into a us er-friendly platform, a self-guid ed process to retrieve raw EU Taxonomy data. In one-click, complete your sustainability re porting. www.greenomy.io
Helder Lenen
Helderlenen.be is the first dig ital-only mortgage aggregator in Belgium, built for and by dig ital natives. Our website helps homebuyers who want to fi nance their home by comparing their best options and removing complexity. www.helderlenen.be Hublio Hublio is Belgium’s first insur ance 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 cus tomers, and be compliant with GDPR, IDD and MiFID.e. www.hublio.com
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IbanFirst iBanFirst is a global financial services provider delivering solu tions across banking borders. iB anFirst provides a specialist on line platform for multicurrency transactions. As an alternative to the traditional bank offer, iB anFirst enables a payment expe rience and package of financial services addressing the needs of SMEs in their daily opera tions. Thanks to iBanFirst, finan cial teams can make and receive payments in any currency and hedge foreign exchange risks. www.ibanfirst.com
Ibanity As PSD2 and open banking broke new ground in the financial world, Ibanity focuses on both banks as well as third-party pro viders to help them get the most out of the opportunities financial technology offers. As Isabel Group’s API Marketplace, Ibanity boosts fintech and makes sure every one of our customers has a promising role to play in this financial landscape. Our technology helps you con nect to a wide range of financial API’s through one single inter face, removing the hassle and complexity of integrating sepa rate API’s. By developers, for developers. www.ibanity.com
Isabel Group Enabling businesses to run without hassle. Together with our large part ner eco-system, we address the needs of accounting firms, banks and SMEs. WeIsabel Group ensures athe smooth and secure exchange of docu ments, payments and identities between all the parties in the financial chain by connecting them with each other. In doing so, we create a flawless flow of information and transactions. Our 25+ years of experience, re liability and sense for qualitative innovation make Isabel Group Belgium’s biggest fintech and the fulcrum point in the financial world. In a changing economic climate, we offer solutions and services to tackle the challenges of digitization. www.isabelgroup.eu
indexacapital.com/es/esp/
Digital Finance Summit 202130 Keyrock Keyrock is on the mission to democratize liquidity in the digital asset space. We are a technology driven, service ori ented market-maker. For our client-partners, we deploy pro prietary, scalable and self-adap tive algorithmic technologies to support sound and efficient markets. We are integrated with 70+ exchanges, active in 150+ markets, and open an average of 10 million daily orders. Keyrock is a VC backed firm with 30+ em ployees. Our global operations are based in Brussels, with tech nical staff based in Asia, North America, and South America to deliver seamless service. www.keyrock.eu Klarna
We make shopping smooth. With Klarna consumers can buy now and pay later, so they can get what they love today. Klar na’s offering to consumers and retailers include payments, social shopping, and personal finances. Over 250,000 retail partners, including H&M, IKEA, Expedia Group, Samsung, ASOS, Peloton, Abercrombie & Fitch, Nike and AliExpress have ena bled Klarna’s innovative shop ping experience online and instore. Klarna is one of the most highly valued private fintechs globally with a valuation of $45.6 billion. Klarna was founded in 2005, has over 4,000 employees and is active in 17 countries. For more information, visit klarna. com. www.klarna.com/be
IndexaCapital Indexa Capital is the leading independent automated invest ment manager nº 5 in Europe, now also available in french in Belgium. Indexa offers its servic es of index funds portfolio man agement with total costs and fees of 0,66% yearly on average. The company currently manag es more than 1,1 billions € of more than 44.000 customers.
Digital Finance Summit 2021 31 Koalect www.koalect.com
Look&Fin Look&Fin is the first and lead ing crowdlending platform in Belgium. It’s also one of the top SMEs crowdlender platform in the European area with more than €125 million in loans to 450 SMEs. Selected companies can borrow from €50,000 to €5 million for any type of need and from any type of sectors, includ ing a strong experience in the Real Estate sector. Lenders are retail investors and institution al investors. Some €65 million have already been repaid with an average annual net default rate of 5.5%. www.lookandfin.com
Loyaltek
Luxhub LUXHUB emerged from the combined vision of four major Luxembourgish banks - Banque Raiffeisen, BGL BNP Paribas, POST Luxembourg and Spuer keess - to become a key catalyst of the European financial indus try’s evolution towards Open Finance. Built on compliance, the Fintech recently acquired both AISP and PISP licenses, becoming a leading 360-degree Open Finance enabler, with the mission of actively participating in the transformation of the fi nancial services industry. www.luxhub.com
Koalect is a Belgian startup that allows organizations to build their own crowdfunding, crowd sourcing or fundraising platform. We provide a SAAS solution that gives organizations the auton omy to manage a platform and launch campaigns themselves. In addition, we train organiza tions how to use our toolbox and communicate around it through dedicated support www.koalect.com
The Loyaltek Group is commit ted to helping people benefit from a better financial system by processing funds the best way possible: easily, efficiently, and securely. To learn more about how Loyaltek Group can help your company leverage the latest innovations in payment processing, visit our website. www.loyaltek.com
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Mail to Pay Belgium
The easiest way to pay and send money. Pay easily with just your phone. With password-protected trans actions, you can confidently shop online, take care of bills, pay in stores and more. Sending money with Makeba is as easy as sending a text message - and the money arrives just as quick ly. No more waiting and worrying about transfers www.makeba.money
Debt collection software for the most innovative companies Automate your collection pro cess. Thanks to Mail to Pay, set up an invoicing and follow-up process for your debtors in no time at all. The Machine Learn ing technology sends a highly personalised message to ensure the right communication, at the right time and via the right chan nel. A smooth payment experi ence ensures fast collection. www.mailtopay.be
WWW.METAMAZE.EU
Makeba Money
MGF (eu) MGF (EU) Limited is an electron ic wallet, FX and international transfer suite designed for SMEs and corporates. Our intensive onboarding procedures ensure that only reputable business become our clients. We have in vested 10 years of development to create an AI system for mon itoring ongoing risk and compli ance which has over 70 different aspects to it.
Digital Finance Summit 2021 33 MeDirect Save & invest bank Wealth tech www.medirect.be
Money Oak Founded in 2016 by two entre preneurs, Gérald Sermeus and Laurent Janssens, MoneyOak is a Belgian consultancy on a human scale that sets out to optimise your company’s posi tion with regard to investing in its future. MoneyOak specialises in inno vation-related tax incentives and leads the field in partial ex emption from payment of with holding tax and the innovation income deduction. www.moneyoak.com
Metamaze Metamaze is an AI-driven Intelli gent Document Processing SaaS platform that enables compa nies to automatically process, extract and structure informa tion from any type of document or email. The user-friendly business UI allows you to train, manage and use state-of-the-art A.I. models for any document type out there. Currently Meta maze automates 40+ different document types for clients in banking, insurance, logistics and many other industries. Discover the next level in IDP, today. www.metamaze.eu
Digital Finance Summit 202134 Mozzeno mozzeno services provides lending-as-a-service solutions allowing all types of partners to propose loans to their consumer or business customers. Use cases for partners range from extending their product offering, to enabling deferred payment options for customers. Our white label technology and our APIs allow the lending expe rience to be integrated directly in the online customer journey. The partners can remain focused on their business while we ensure the lending services and sup port. www.mozzeno.com
MyFaro Consulting software for a more effective and efficient office op eration. myFaro is a unique tool that pro vides the financial advisor with maximum support during his services. Digital, interactive and multidisciplinary. All inclusive, in a secure environ ment that is fully MiFID compli ant. No redundancies with the existing management packages, because the software works additionally across financial in stitutions. myFaro leads to an in crease in the profitability of your organisation, whichever formula you choose. www.myfaro.be
Moneytrans Moneytrans is a leading money transfer company and one of the fastest growing fintech in Europe. With more than 3.000 agencies in Europe Moneytrans serves more than 10 million customers to send money to 140 countries and 450.000 locations. Over the years, we have widened our range of services to offer a com plete solution to overseas work ers: FX solutions, bill payments, prepaid cards, mobile top up and customized payment accounts in IBAN format since 2020. We are the first multichannel finan cial marketplace for migrant workers in Europe. www.moneytrans.eu Monizze Monizze is the first 100% digital and 100% Belgian issuer of so cial vouchers. For more than 10 years, they have been offering fiscally advantageous and inno vative payment solutions. Their extralegal benefits put the user first in order to boost employee well-being. They also support the local economy and help em ployers develop new strategies to retain talents. Quality and rapidity of service, a human-centric approach and streamlined digital processes: that is the Monizze way. www.monizze.be
A complete software package dedicated to bringing entrepre neurs and accountants closer together. Our cloud-based plat form creates added value for en trepreneurs by offering access to real-time data and greater effi ciency by streamlining process es. Accountants can establish a closer connection with clients and increase their productivity through digitalization, allowing them to change their role from administrators to true growth advisors. 100% Belgian, 100% in the cloud, 100% value for money. www.octopus.be
myPOS is an innovative fintech company serving small and medium-sized business clients across Europe. It provides easy and convenient in-store, online and on-the-go payment solu tions for over 130 000 business es. For its innovations in the pay ments industry, myPOS has won many prestigious awards such as the B2B Innovation Award from FinTech Breakthrough in 2021. www.mypos.eu
NextAuth nextAuth provides strong mul ti-factor authentication com bined with an almost seamless user experience. nextAuth gives your users an easy solution that runs on their own mobile devices. No more passwords, no more usernames. With your branded app, users can log in, approve transactions, and sign documents using only a PIN or biometric. nextAuth is a spin-off of KU Leu ven. By leveraging state-of-theart cryptography, usability and security are no longer a tradeoff. www.nextauth.com
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MyPOS
Octopus
Nobusoft Nobusoft is set to revolutionise the way companies deal with operational complexity and reg ulation within the financial de rivatives arena by bringing them an “accessible” web platform to cover all their challenges in the area of financial derivatives. nobusoft.net
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OkiOki (a product of 33reasons NV)
Osom.finance Osom.finance is building a human-centric finance ecosystem. Its flagship product is a safe and secure AI-powered quant crypto trading algorithm, Crypto Autopi lot, generating 30%-50% proven annual return. It automatical ly finds growth opportunities within 30+ altcoin. Autopilot is a hassle-free way to get into crypto beyond Bitcoin (though we offer BTC exchange too!) and not miss out on the emerging asset class the way your parents might have on Google or Ama zon back in the late 90’s. osom.finance
OkiOki is the buddy for entrepre neurs who keeps their paper work on track, makes sure they pay and are paid in time and de livers all the documents to their Therefore,accountant. she automatically fetches all the financial docu ments from their mailbox and supplier portals and integrates with their bank account. Because the only great thing about doing your financial ad ministration, is the relief you feel when it’s done. And that’s what we call the OkiOki feeling. www.OkiOki.be
OneSpan OneSpan provides a single, open platform for all your secu rity and e-signature needs. Our new Trusted Identity platform protects people, devices, and transactions from fraud, while ensuring a seamless digital ex perience for your customers. This enables you to make bold advances in your digital trans formation and exceed custom er expectations for transacting anytime, anywhere, and on any device. This drives dramatic customer satisfaction, retention, and growth. www.onespan.com
Open Collective Open Collective enables com munities to create virtual non profits so that they can collect and disburse money in full trans parency without the burden of creating and maintaining a legal Facebook,entity. Airbnb, Slack and many other companies are us ing it to contribute financially to online and offline communities that they care about. www.opencollective.com
Digital Finance Summit 2021 37 Paperbox Paperbox is a Software-as-aService (SaaS) platform for endto-end claims processing in the insurance industry. We process claims, emails and letters using AI and cloud technology. There fore, Paperbox is equipped with an intuitive human-in-the-loop interface enabling our users to work both faster and more ef fectively. This means that more time can be spent directly with the end customer, drastically im proving customer satisfaction. Working for leading insurance players and brokers in Belgium. www.paperbox.ai
PaxFamilia PaxFamilia is a digital family office that enhances the collab oration between the financial advisor and its client. We offer a secured online platform that centralizes detailed asset infor mation of the clients. It allows the advisor to create personal ized asset reports, to communi cate with his client and to enrich his advice with intelligent finan cial and succession planning tools. A smart digital platform to boost your business. www.paxfamilia.com
Paynovate Paynovate is a licensed e-money institution providing digital pay ment solutions across all EEA member states. With the pow er of Paynovate, we empower start-ups, SMEs, and corpora tions to Build Their Own Fintech with issuing, acquiring, and core banking solutions. Paynovate is a division of Loyal tek Group: visits our website to learn more. www.paynovate.com
POM POM is a leading provider of us er-friendly and efficient payment solutions. Organizations of all sizes can easily add QR payment codes or payment links to their outgoing invoices and remind ers. A carefree and secure pay ment experience is at the heart of POM’s offering. That’s why POM stands for Peace Of Mind. The advantages for billers are countless: less follow-up work, faster payments, fewer remind ers … and of course a touch of innovation and service towards their customers. www.pom.be
Qover
PrivateLending is the first Peer to Peer platform in Belgium that connects Corporate Borrowers and Sophisticated Investors through Private Corporate Debt Each transaction is scrutinized with a rigorous credit assess ment process. We help borrow ers obtaining the best available rate through a transparent auc tion process. We employ skilled professionals with extensive fi nancial services knowledge. www.privatelending.be
PrivateLending
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As an international pioneer in the insurance industry, Qover designs, builds and distributes innovative digital insurance solutions across Europe to help fast-growing companies. Qover is active in 11 countries and covers close to 100,000 peo ple in Europe. Its long-standing partners include renowned com panies such as Deliveroo, Wolt, Decathlon, Cowboy, Immoweb and many others. www.qover.com
Recovr Recovr is a credit management software that takes care of the whole invoice-to-cash process. From payments matching, fully customized automated work flows to the handling of the case by one of our legal partners, we centralize every information and every step of your invoice-tocash process. Using Recovr, you are paid faster, with less www.recovr.beeffort.
PPS PPS is Europe’s leading proces sor/issuer with dual UK & EU Li cense and the ability to passport across all the EEA countries.
PPS provides localised IBANS connected to SEPA In/Out and SEPA Direct Debit. In UK PPS issues virtual account numbers under a dedicated Sort Code and supports BACS In, Instant Faster Payments In&Out, DD and PPSCHAPS.is the invisible, white-la belled technology in the back ground, providing a truly all round technical and regulatory base for UK & European fintechs. www.pps.edenred.com Color
RiskAnatomy
Robalyst Robalyst uses Artificial Intelli gence (AI) to analyze company earnings. We bring meaning to earnings reports by providing the reasons behind reported num bers. Each important element is visualized and helps forming a comprehensible understanding about ongoing company pro cesses. Our technology helps to selectively reduce the large vol ume of data into those nodes of information that carry real value and that reveal the drivers that are shaping a company’s future. robalyst.com
Digital Finance Summit 2021 39 Rise Rise is a digital bank for teen agers to help them save, invest, grow essential money skills for life and parents to raise mon ey-savvy teens. www.risecard.eu
This RegTech proposal is a knowledge base, learning tool and updates tracker that fa cilitates work with regulation through intuitive interface. It saves time and effort and in creases employees understand ing of the regulatory environ ment they work in.
RiskConcile RiskConcile develops and de ploys technology for the finan cial industry. With its first product “PriipsLab”, RiskConcile developed a regula tory software solution which is being used by many banks, law firms and insurance companies in the EU and the US. www.riskconcile.com
Digital Finance Summit 202140 SBF The SBF platform acts as a fa cilitator of liquidity: Our of the shelve untapped financial solu tions add untapped value to fi nancial institutions. With our solution banks simul taneously: Listed companies: generate values creation liquid ity * Simplicity. *Return.*Sus tainability Large organisations: optimize supply chain financ ing – *Flexibility. *Access. * Effectiveness Professional investors: optimize deposits – * Diversifi cation. * Profit. * Liquidity. www.sbf.services
Seraphin is an insurtech created in 2015 with more than 4500 clients and 45000 insurance quotations/year. Seraphin helps people subscribe and manage all their insurances online in the same place. Seraphin is taking care of people and their goods, from health insurance to car, motorbike and house insuranc es. Our promise: simplicity, reac tivity and protection. Despite the COVID-19 pandemic, Seraphin recorded a growth rate of 100% compared to last year. Seraphin, your insurance made www.Seraphin.besimple.
Sagacify Sagacify is helping its clients reach operational excellence by developing automation solu Thankstions. to the combination of our machine learning and soft ware development expertises, we have been optimizing the value chain of financial, banking, insurance and accounting com panies for many years. For these customers, we have developed and integrated a broad number of use cases and off-the-shelf solutions with a proven ROI, such as email and documents treatment or anomaly detection, to name a few. sagacify.com
Rock.estate Rock.estate is a data science startup founded in Brussels in 2017. We specialise in the re mote and real-time evaluation of buildings on a country-wide scale to help home insurers and mortgage lenders understand their customers’ properties. With open geodata and AI, Rock. estate extracts and calculates actionable real estate intelli gence such as accurate 3D mod els, building characteristics and valuations. Our real estate data enables our customers to save time and make better decisions. www.rock.estate
Seraphin
S4I Launched in 2016, in the midst of the rise of electronic payment and digital banking, S4I now de velops and maintains a banking transaction network based on the payment protocols of most payment methods available on the market. Our hardware product lines are mainly Android or Linux payment terminals, but also cashiering systems such as POS or smart cashers. www.S4I.be
SLVRCLD SLVRCLD speeds-up content claims, by leveraging product data and desktop assessing, resulting in a happier more trust ing client and at a dramatically lower total claim cost. The claim can then be settled via the most appropriate method such as a voucher, pre-paid filtered debit card, purchase order or cash-inlieu. We are able to evolve with a clients digitisation strategy from manual to augmented and finally automated #quickcontentclaims.claims. www.slvrcld.com
Signicat Signicat is a pioneering, pan-Eu ropean digital identity company with a unrivalled track record in the world’s most advanced dig ital identity markets. Its digital identity platform incorporates the most extensive suite of identity verification and authen tication systems in the world, all accessible through a single integration point. The platform supports the full identity journey, from recognition and on-board ing, through login and consent, to making business agreements which stand the test of time. www.signicat.com
Digital Finance Summit 2021 41 Sibren Still researching financial services market, will be AI enabled 6wolves.ai
The Glue builds platforms for the financial industry. We stand for full end-to-end bespoke IT solu tions and services. Your project can benefit from strong acceler ation thanks to our experienced team, reusable components and a robust reference architec ture. We have a track-record of successfully building and main taining platforms for, amongst others, Belfius, NN, Atradius and Assuralia. The Glue is founded in 2015 and part of a unique eco system, together with ::Projec tive, Hyfen, Smartfin and Exellys. www.theglue.com
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Sopiad SOPIAD is the independent pro vider of client-centric ratings that simplify non-professional investors decisions while com forting their financial well-being and alignment with their person al values. Grounded on years of academic research and guided by seasoned wealth manage ment and academic experts, we help financial intermediaries personalize the investing expe Lookingrience. forward, the client-ad visor relationship will be about collaboration and purpose, not about financial performance only. www.sopiad.com
Startalers is women’s BFF - Best Financial Friend. Our investing platform helps smart and busy women take ownership of their financial fu ture and become responsible investors. Startalers investment app uses women’s specific lifecycles, goals and impact preferences to deliver bespoke investment port folios and advice www.startalers.com
thewave thewave is a Belgian insurtech company founded in 2019, sub sidiary of insurance consultant Ensur. Our mission is to com bine Ensur’s profound business knowledge and our partners’ deep technology expertise to invent, build and integrate tai lored digital solutions for our cli ents in the insurance sector. We also provide technology related consulting and project manage ment services, thus helping our clients stand strong, and even get stronger, in a sector facing disruption. www.thewave.tech
Startalers
The Glue
Tink Tink is Europe’s leading open banking platform that enables banks, fintechs and startups to develop data-driven financial services. Through one API, Tink allows customers to access ag gregated financial data, initiate payments, enrich transactions, verify account ownership and build personal finance man agement tools. Tink connects to more than 3,400 banks that reach over 250 million bank cus tomers across Europe. tink.com
TopCompare At TopCompare, we help Bel gians make the smartest finan cial decisions in order to man age their personal finances in an easy and quick way. We give the power back to the consumer by comparing financial products and increasing financial educa tion, market transparency and countrywide mobile access to financial products. We are grow ing rapidly since our launch in 2015 and are already the nr. 1 banking comparison platform. Every year, we help over 1.5 million Belgians save time and money. www.topcompare.be
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Transmit Security, the identity experience company, is at the forefront of creating friction less identity experiences for both customers and workforces across all channels. Powered by the latest technol ogy, our user-centric solutions enable users to effortlessly au thenticate online without ever needing usernames or pass words. By eliminating friction and frustration, businesses are able to reduce all forms of iden tity attrition and save substantial costs. www.transmitsecurity.com
Treezor Treezor is a European leader in Banking-as-a-Service (BaaS). Its one-stop shop solution enables Fintechs & Businesses to ac celerate their banking projects by outsourcing their payment needs. To smoothly embed payments into their own customer expe rience, businesses can rely on Treezor’s expertise for regula tion and technology. Treezor’s financial services are offered by API and cover the entire payment chain, from acquiring to issuing.
Tricount
The solution for organizing Group Expenses, after a trip or a group activity… Fast, free and simple. Also available on Face book, for iPhone and Android. www.tricount.com
Transmit security
Founded in 2016 and acquired in 2019 by Societe Generale group, Treezor is a regulated Electronic Money and Payment Institution approved in 25 countries and a Principal member of the Master card and SEPA networks. www.treezor.com/en
Trustbuilder As financial services compa nies are building out their digital ecosystems, TrustBuilder helps them in smoothly and seam lessly bringing all applications together, while providing airtight security to the API architecture that underlies the ecosystems. At TrustBuilder, we’re taking Identity and Access Manage ment (IAM) to the next level. Our unique IAM platform is fuelled by ultimate flexibility, thanks to a powerful orchestration engine, a flexible development plat form and an extensive number of built-in connectors. Using TrustBuilder increases custom er experience, decreases time to market and delivers flawless security. www.trustbuilder.com
Are you a Lender, insurance or reinsurance company? vFinance provides the robust core plat form to manage your new pro duction and legacy portfolio’s. The vFinance platform offers au tomated product management during the whole contract life-cy cle, taking into account all com mercial, regulatory, reporting and accounting requirements. Our modern and open technol ogy will amplify your existing legacy system or replace it in a controlled manner. www.vfinance.be
We give transparency when trust is unreliable. Fast grow ing Brussels based regtech, we build third-party risk monitoring (TPRM) & KYB solutions. We transform public and private data to help our clients gain in sights about third-parties risks (suppliers, clients,…). With our unique Data-Analytics-as-aService approach, we offer visi bility on group structure through UBO, financial and non-financial risk scoring tools, insights on AML and fraud cases. #TPRM #sapin2 #KYB #KYS www.vadis.com
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Technologies
Twikey offers smart and inno vative solutions for companies with returning customers in making the payment process more cost efficient, less time consuming and easy to fol low-up. Twikey is market leader in Eu rope for concluding online SEPA direct debit mandates, manag ing direct debits and other recur rent payment methods, and has unique cooperation agreements with major banks such as Belf ius, BNP Paribas Fortis, KBC, ING, Rabobank, ABN-Amro. www.twikey.com
Twikey
Vfinance
Vadis Technologies
Unifiedpost Unifiedpost Group is a leading cloud-based platform for SME business services built on Doc uments, Identity, Payments and associated finance services. Uni fiedpost operates and develops a comprehensive cloud-based platform for administrative and financial services that allows real-time and seamless connec tions between Unifiedpost’s cus tomers, their suppliers, their cus tomers, and other parties along the financial value chain. www.unifiedpost.com
VIRTEO is a neutral online plat form allowing credit managers to work directly with many law yers, court bailiffs and recovery agencies in an efficient, trans parent and compliant process, without the hassle of IT integra tion www.virteo.be
WeGroup WeGroup helps insurance pro viders to do more business, work more efficiently and make a better connection with their digital customers. This is done via ‘Louise’, the 24/7 available assistant. Louise is a digital insurance platform combining data analytics and AI to analyze a customer’s needs and risks, link it to the perfect insurance offering and help service these products in case of claims. The Ghent-based insurtech already conquered various international awards and raised 4.5M in fund ing. www.wegroup.be
Wequity provides data feeds, reports, and (soon) an online dashboard to monitor sustaina bility/ESG risks based on social media, news, and public content, using AI/Natural Language Pro cessing. We help (1) fund managers to screen their investments (public & private), (2) corporate bankers to evaluate their (potential) cli ents, and (3) sustainability man agers to analyse their own brand image, their competitors, their suppliers, and/or their clients. www.wequity.app
Let’s turn a bank card into a Win Forever for Everyone! (Waow is powered by MPS nv). waow.be
Virteo A single platform for all your debt collection partners Bench mark them, reduce costs and improve your net recovery rate
Wequity
•vation:builds an ecosystem be tween consumers and lo cal merchants • can be easily recognised by its multifunctional green terminals • gives consumers at least 2% discount on their local purchases • relieves the merchant of his transaction costs
Waow Waow is the real payment inno
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Zaion Zaion is the European expert in augmented customer relation ship solutions. Thanks to a unique and innova tive Callbot & Chatbot technique relying on AI, Zaion’s callbots & chatbots automate high vol ume conversations in natural language, 24/7, without waiting time. Our augmented agent & augmented supervisor features assist human agents on a daily basis. We currently have 70 Call bots & Chatbots running, which handle more than 45 000 calls / day more than half of our cus tomers are insurers, bankers and related service providers such as assistance companies, claim adjusters, etc. www.zaion.ai
Digital Finance Summit 2021 47 Xanthos & Balios Invest
Decision support platform thanks to machine learning in portfolio management.
stefano-azzia-23a913a0/www.linkedin.com/in/
FinTech of Tomorrow
Yooz At Yooz, we unleash the creative and innovative power of individ uals, finance teams, and organ izations by freeing them from tedious, inefficient, and costly manual tasks. www.getyooz.com
Yields The growing dependency of or ganizations on models, the in troduction of advanced analytic techniques and the increasingly stringent regulatory guidelines have resulted in new challenges to manage model risk. Our cli ents leverage our award-winning data science platform - Chironto streamline their model lifecy cle, automate model validation, and turn model risk manage ment into a value driver. www.yields.io
A WORD FROM
Dear Fintech Leaders, It is always a pleasure to see a grassroot association like Fintech Belgium organise such a leading event for dig ital finance every year since 2015. I am therefore delight ed to have been invited once again to this event. With this sixth edition, we no tice that the Digital Finance Summit has become part of the habits of the entire Belgian and even European financial ecosystem. After a fifth edition that had to go digital at the last moment due to the Covid crisis, it is good that the entire digital finance community can meet physically in Brussels, in the heart of Belgium, in the heart of Europe.Even if the troubles of the sanitary crisis are not entirely behind us, we are happy to see that our country’s economy is gradually picking up. During this Covid period we have seen a boost of between 10 and 20 years in the digitali sation of the economy in general and in our fintech sector in particular. This acceleration has been made possible by solid fundamentals that exist in Belgium for several decades: among others, digital identity, dig ital skills and robust digital infrastructures.However, there is still room for improvement. At the Digital Finance Summit, I will be keen to explain the efforts the federal government intends to make in this regard, so that we can continue to stimulate digital demand and ensure that the adop tion of digital technology, which has been through magnificent stimula tion during the Covid, continues to grow at fast pace, not only among economic actors but also among the population, which has changed its habits and adopted a new digital way of living. But obviously, I will also return to the federal government’s support of this important sector, the challenges that environmental issues present to the entire society and to your sector in particular, and the importance of the fintech sector to the growth of our economy. In any case, I would already like to congratulate FTBE for its dynamism and stimulating initiatives such as this Digital Finance Summit.
Vincent Van Peteghem Deputy Prime Minister and Minister of Finance
Yours sincerely, Vincent Van Peteghem Deputy Prime Minister and Minister of Finance!
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I look forward to seeing you there!
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Digital Finance Summit 202150 DIGITAL PARTNERSSUMMITFINANCE
Empowering intelligent banking and insurance Modernize core banking, manage risk, combat financial crime, create sustainable solutions & build trust through security and compliance aka.ms/intelligentbanking aka.ms/intelligentinsurance MAIN PARTNER
www.febelfin.be Febelfin
Febelfin (Fédération Belge du Secteur Financier) is a non-profit organisation whose goal is to provide credi ble and objective information about the financial sector in Belgium. We represent about 250 financial institutions in Belgium. These are not only banks, but also credit providers, asset managers and funds, broker age firms, stockbrokers and leasing companies. Together, the Febelfin members account for about 55,700 direct jobs. Febelfin is the interloc utor and spokesperson for policymakers, regulators, professional feder ations and interest groups. We collaborate with various public institu tions at European, national and regional level and coordinate initiatives with all relevant parties, with an eye for climate, technology and society. Febelfin wants to be a house of dialogue for all its stakeholders.
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Digital Finance Summit 2020 55 FEBELFIN ACADEMY vzw/asbl Koning Albert II-laan / Boulevard du Roi Albert II 19, 1210 Brussels Discover our offer on Learning,andareOurfinancialknowledgeUpgradingwww.febelfin-academy.beyourofthesector?trainingsconnectingfintechsbanks.keyforevolution
Digital Finance Summit56 Brussels10508,streetToussaintFritzU,See SUPPORTING PARTNERS
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IBM is the global leader in business transformation through an open hybrid cloud platform and AI. We help clients in more than 170 countries capitalize on insights from their data, streamline business processes, reduce costs and gain the competitive edge in their industries. Today 47 of the Fortune 50 Companies rely on the IBM Cloud to run their business, and IBM Watson enterprise AI is hard at work in more than 30,000 engagements. Nearly 3,000 government and corporate entities in IBM critical infrastructure areas like financial services, telco and healthcare rely on IBM’s hybrid cloud platform and Red Hat OpenShift to affect their digital transformations quickly, efficiently and securely.
IBM is one of the world’s most vital corporate research organizations, with 28 consecutive years of patent leadership. Above all, guided by principles for trust, transparency and support for a more inclusive soci ety, IBM is committed to being a responsible technology innovator and a force for good in the world. For more information visit: www.ibm.com/be IBM stories at: www.ibm.com/bewww.ibm.com/be-en/marketing/this-is-ibm
PLATINUM PARTNERS
This is the world we’re helping to build. This is IBM. NL bit.ly/thisisibm BE ibm.biz/thisisibm NL-Banner 210x62mm url.pdf 1 09-11-2021 17:04
How to really know your customers in the digital world?
Proximus Digital Identity Solutions, together with: The finance industry is being disrupted, from within as well as from beyond. Not just FinTech startups are knocking at the door. Different financial institutions operate at different digital maturity levels and those who are lagging are taking heat. In this fierce competitive landscape, financial companies have to keep innovating, push customer experiences to new grounds, have to be always be safe and continue to generate share- and stakeholder value. We can help you stay on top with Digital Identity Solutions: from secure onboarding, maintain account integrity, prevent fraud, and streamline customer engagement Harnessing billions of global data points across digital, online, and mobile signals, Proximus helps you reduce fake accounts, mitigate threats to your online operations, and prevent fraud in your business. With Proximus, you can do business in good faith, with dependability, and trust. proximus.be/security
Digital Finance Summit 2021
THE NEXT MILLION DOLLAR IDEA MAY BE AROUND THE CORNER.
As part this mission, Visa collaborates with Fintechs through several ways. We support them, partner with them and invest in them because we believe by working together we can deliver the next generation of payment solutions. Ultimately this next generation of solutions will make life better for consumers, businesses and communities.
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At Visa, we maintain an open network between our partners, clients, Fin techs to ensure innovation remains unhindered. By collaborating with a broad range of partners that tap into the agility of Fintechs and the scale of big banks and merchants, we enable innovation to flourish.
As the world moves from analog to digital, Visa is applying our brand, prod ucts, people, network and scale to reshape the future of commerce. If you want to know more about how we could collaborate, come and meet us at the Visa booth. www.visa.be
Visa is a world leader in digital payments. Our mission is to connect the world through one of the most inno vative, reliable and secure payment network - enabling individuals, businesses and economies to thrive.
Visa is a network that helps FinTechs get on the world stage. 2108_Fintech Belgium_Finance Summit_Boiler plates_A-B.indd 1 22/10/2021 11:53
Big data since 1841 With more than 175 years of experience in enterprise data solutions, we have seen all aspects of becoming a data-driven business, long before the term “big data” was coined. We understand the impact of data on your business perhaps better than no other. Our data cloud is consulted daily by 90% of all Fortune 500 companies.
Meet us during the Digital Finance Summit and unravel your data po tential. www.altares.be
Comply with AML regulation
Is your company struggling to comply with the ever-increasing compli ance regulations and mandatory reporting? Use our global enterprise database with detailed information on 420+ million companies, 115 mil lion beneficial owners and as many as 240 million directors.
Do you need to comply with AML regulation or understand your 3rd party risk? Our compliance solutions allow you to identify legal entities, busi ness principles, and legal and beneficial owners (UBO). We provide the APIs and workflow solutions to support your compliance policies and let you build an efficient, watertight process.
Digital Finance Summit 202160 www.altares.be/compliance Audit trail Identification VerificationDue informationdiligencefor a bulletproof and efficient corporate KYC process GOLD PARTNERS ALTARES Dun & Bradstreet
GOLD PARTNERS
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Discover b.rx, the first cloud reporting platform that supports the full regulatory reporting process in the most optimized & efficient way. From regulatory reporting to regulatory intelligence b.fine
• Managed Services: Banks are facing challenges to keep their re porting platforms up-to-date and the associated costs under con trol. This is why b.fine offers managed services and allows clients to effectively outsource certain parts of the reporting processes while they focus on their core business. www.b-fine.eu
• Advisory: b.fine’s team of senior business and technology con sultants supports banks on their journey towards a fully managed reporting supply chain.
b.fine is a young and dynamic RegTech scale-up whose mission is to innovate the regulatory reporting process es within the financial industry. Getting the data right and getting the right data is crucial for financial institutions when it comes down to regulatory reporting. Today, several financial institutions rely on b.fine to transform their time-consuming, complex reporting processes into an effective reporting supply chain through different engagement models:
• Technology Solutions: b.fine has developed b.rx, the first SaaS re porting platform that focuses on the user journey by leveraging on unique features like collaboration, workflows & key insights.
Since 2006 we increase the satisfaction of customers and employees
People are frustrated by paperwork. It counts both for your customers and employees. We are Docbyte, a Belgium-based regtech company. We created a robust platform that helps banks, insurances, and financial organizations to digitalize paperwork and provide an exceptional experi ence to their customers.
worldwide by digitizing and automating all the regulatory client process es. No matter where you reside, we do it all without stopping your sys tem from operating, even for a millisecond. Spending 15 years in the business and helping some of the biggest in dustry players to digitize their operations has taught us a lot. Therefore, we offer our very own step-by-step process, leading to a simple, smooth, and secure digitization. We believe that fully digital business interac tions can make the world a better place. Our solutions are focused on making the work of companies in regulated sectors easier by automating crucial business processes. We give our customers solutions to turn compliance into an advantage by increasing efficiency, heightening customer experience, and giving you the time to focus on your core activity. www.docbyte.com
Digital Finance Summit 202162 GOLD PARTNERS Docbyte
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As a member of a European and regulated financial ecosystem, Isabel Group is licensed by the National Bank of Belgium. Isabel Group was founded by the four major Belgian banks and celebrated its 25th an niversary in 2020. The company is headquartered in Brussels and has been headed by Jean de Crane (CEO) since mid-2017. Isabel Group em ploys 340 experts. www.isabelgroup.eu Isabel group
Isabel Group connects and simplifies the administrative and financial processes of companies, accounting agencies and banks. The financial services provider en sures the smooth and reliable exchange of documents, payments and identifications and automates access to them.
Some 90,000 companies, 3,600 accounting firms, 250 software partners and 650 banks work with or are linked to Isabel Group software: Isabel 6, Ibanity, CodaBox, ClearFacts, Clearnox, BookMate, Ponto, SignHere, Kube, TruliUs and Zoomit. Isabel Group thus manages the largest finan cial infrastructure in Belgium. The group automates 450 million transac tions per year, or 7.10 billion euros per day.
WWW.METAMAZE.EU
GOLD PARTNERS
At Metamaze, it is our mission to enable you to make your FSI organization more productive by automating the processing of documents. By using AI to assist hu mans in interpreting documents, your human workforce is able to focus on delivering added value by performing more complex and less-repetitive tasks. Our intelligent document processing platform is used by large organi zations both in Europe and Asia to automate the classification and in terpretation of (un)structured text. The solution was built upon years of experience in Machine Learning, Natural Language Processing and the Financial Services Industry. The robust and mature SAAS solution is ready for enterprises to process large volumes of incoming documents and emails. A business-oriented user-interface enables you to configure every aspect of their processing pipeline, report relevant metrics and access clear dashboards. Auto mate end-to-end flows by easily integrating our API’s with third party API’s. www.metamaze.eu Metamaze
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Tezos is an open-source blockchain that is redefining what it means to hold and exchange value in a digitally connected world. A self-upgrada ble blockchain with a proven track record, Tezos uses a Proof of Stake model, which allows Tezos to operate efficiently, with minimal energy consumption and a negligible carbon footprint. Tezos’ on-chain govern ance mechanism allows the protocol to amend itself seamlessly, en suring the network stays up-to-date with the latest innovations without causing network disruptions. Tezos solutions help enterprises to benefit from blockchain technolo gy across: Decentralized Finance,Non-Fungible Token, Tokenization, Self-sovereign Identity, Certification and Corporate Baking. At Nomadic Labs, we can help you adopt the Tezos Blockchain for your business needs, providing technical support in France, Luxembourg and Belgium.
Nomadic Labs is one of the largest research and development centers within the Tezos ecosystem. Based in Paris, it brings together more than 50 engineering re searchers working on the development and evolution of the Tezos protocol.
www.nomadic-labs.com
GOLD PARTNERS
Nomadic Labs
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GOLD PARTNERS
Financial Services Cloud” Built on the world’s #1 CRM platform, Financial Servic es Cloud enables financial services institutions to build trust by unifying the customer experience across chan nels, geographies, and lines of business. With purpose-built industry functionality and all the capabilities of Sales Cloud and Service Cloud, financial services firms can increase employee productivity, accelerate time to value, and deepen customer trust with every interaction. Win more deal mandates with client insights and built-in compliance. Empower senior bankers, analysts, compliance managers, and group heads to drive deeper client relationships. Manage pipelines, collabo rate efficiently across deal teams, leverage internal and third-party data, and ensure information is shared with the right people at the right time. Deliver customer-centric insurance experiences. Embrace the indus try’s digital imperative with omni-channel engagement, agile product in novation, and automated processes. Quote and issue policies, transact service requests, and adjudicate claims all from a single cloud platform. www.salesforce.com/finance Salesforce
GOLD PARTNERS Transmit security
Transmit Security is the leader in identity and risk innovation. We power enterprises with airtight security and a seamless user experience. Our agile, unique technolo gy is proven to reduce all forms of identity attrition and enterprises are able to save substantial costs.
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BindID™ is the industry’s first app-less, strong portable authenticator that uses device-based biometrics for secure, convenient and consist ent customer authentication. With one-click to create new or sign into existing accounts, BindID eliminates passwords and the inconveniences of traditional credential-based logins. Shared trust at the user, device, and network levels, allows other biometric-enabled devices such as lap tops and tablets to be associated with accounts, provides secure device re-enrollment, and delivers up-to-date profile information across the en tire BindID member network. Organizations get an accurate and friction less customer authenticator that is easy to deploy into any channel and doesn’t require specialized applications. www.transmitsecurity.com
COUNTRY PAVILION
Building the all-in-one solution for financial management of Mid-Caps and larger SMEs a352.io A352.io part of the Country Pavilion of LHoFT
What if you could produce a doc ument once? Then never have to produce it again. This is the point of Docify. An integrated document automation tool that lets you create legal and finan cial templates from all your com monly used word files. Docify’s integrated, off-the-shelf solution is 20x faster than manually pro ducing documents and as easy to use as Microsoft word. www.docify.lu Docify part of the Country Pavilion of LHoFT
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FundProcess creates SaaS Solu tions and Integrated Program ming Tools designed for Asset Managers wanting to increase the Customization, Integration and Delegation around their Core Management System.Our technologies allow you to de sign the Data Management, In vestment, Risk, and Back-office functionalities you need now and that will evolve with your business over time. www.fundprocess.lu FundProcess part of the Country Pavilion of LHoFT The Hokus Platform is the digital solution that connects private banks and life insurance compa nies. Bankers hence benefit from a simple and efficient tool to vis ualize and operate life insurance policies through one single entry point for all their life insurance suppliers. This new area of col laboration increases the opera tional efficiency and generates important productivity gains in total compliance with regula tion and with high datasecurity standards. Client experience is now becoming positive! www.thehokusplatform.com HokusPlatform part of the Country Pavilion of LHoFT Scorechain is a Risk-AML software provider for crypto currencies. Since 2015, the Luxembourgish company has helped 200+ customers in 40+ countries. Scorechain solution supports 7 major blockchains and 3,000+ tokens. The software de-anonymizes blockchain data and provides risk scoring on transactions, addresses, and en tities. Scorechain’s risk assess ment methodology is customiz able to fit all jurisdictions. 300+ risk-AML scenarios are provided to its customers with a wide range of risk indicators. www.scorechain.com Scorechain part of the Country Pavilion of LHoFT Neterium is an API-native RegTech providing innovative Software-as-a-Service solutions that combine the benefits of lat est technologies with in-depth financial crime compliance knowledge. Neterium focuses exclusively on helping fintechs, banks and digital platforms perform watchlist screening through its real-time API (i.e., screening payments and client databases against international Sanctions and Embargoes, Po litically Exposed People, adverse media and private lists). neterium.io Neterium part of the Country Pavilion of LHoFT
www.aividens.com
Predict customers’ payment issues and prioritize collection efforts with AI! With our Saas AI solution, understand when your customers will pay their invoices and identify key payment patterns and risks for a given debt portfolio. Use these predictions in our simulation tools to determine the collection strategy most aligned with your cash and Profit & Loss
Predictiveimpacts. payment dates are aggregated into our ‘Predictive Cash Fore cast’. This latter compares the predictions with the due date and help you define your collection objectives accordingly. Contact us to under stand the benefits for your company.
Approach is a company specialising in cyber security and privacy. For 20 years, we have been building trust for enterprises in the digital world. Our 360° cyber-resilient approach is built on five pillars - anticipate, prevent, protect, detect & respond, and recover - and involves people, processes and technologies.
Hundreds of public and private companies in all sectors trust us to pro tect their data and drive their digital transformation. www.approach.be
Thanksobjectives.topredictive payment dates and risks provided with our AI al gorithms, you will be capable of anticipating customer payment issues and therefore, take the necessary actions well before the issues arise. By understanding deep payment patterns, you can redefine work priori ties and resource allocations. Predictions complete the picture and help cash collectors understanding where to put their efforts to get the most
SILVER PARTNERS
Aividens Approach
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Bancontact Payconiq
SILVER PARTNERS todiscoverWIPandourmobile andcardpaymentproducts Comevisitourbooth
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AREA42 is the Trade Innovation Ecosystem of Europe and the home of a buzzing TradeTech Community. The AREA42 team is united by a common mission: to create, innovate and manage solutions for a fluid and risk-savvy trade environment. We believe in a frictionless B2B trade environment empowered by Trade JoinTech.us! www.area42.tech Area42
Our payment habits are changing fast. Technological innovations suc ceed each other. Bancontact Payconiq Company considers the current situation as a positive challenge. We aim to be an industry leader in electronic payments and the associated services for companies and consumers. Consumers can pay electronically with the Bancontact card, pay mobile via the Payconiq by Bancontact app or withdraw cash with their trusted Bancontact card. Bancontact Payconiq Company con tinues to evolve the means of payment, helps companies to grow, and improves people’s general shopping experience. In 2021 Bancontact launched Wallet Initiated Payments (WIP), the Bancontact card on file product allowing recurrent and/or 1 click transactions. The consumer performs once a Strong Customer Authentication (SCA), the rest of the transactions are merchant initiated without SCA. www.bancontactpayconiq.com
The marketplace, thanks to the use of the latest blockchain and data technology, allows for low-risk diversified digital asset portfolio building, even with relatively small funds, in the booming fintech market. www.byrssa.io Byrssa
Digiteal
REINVENTING INVOICING AND PAYMENT
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Get paid faster, more regularly and at a lower cost! Digiteal accelerates its clients’ digital transformation and optimizes their cash flow through a range of innovative payment technologies, from payment QR Code to split payment solutions for marketplaces.
BYRSSA is a digital marketplace that connects all players in the Euro pean Fintech ecosystem : start- and scale-ups , vendors and service providers , industry bodies and investors. It facilitates the end-to-end investment process - research, discovery, outreach, matching and deal closure - between financial technology firms and professional investors.
Why Digiteal? Certified as a payment institution and as TPP (AIS/PIS) by the National Bank of Belgium, it brings unique added-value to your national or international projects.. www.digiteal.eu
SILVER PARTNERS
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Elysian nXT
ElysianNxt is a fast-growing Regtech company focused on developing the most technologically advanced, user-friendly, real-time Risk and Fi nance solutions. By adopting the latest technologies, we enable firms to react faster, smarter and cheaper to the ever-increasing changes in global compliance. Founded in 2017 and comprised of industry veter ans and subject matter experts we provide an alternative solution to the traditional, outdated, monolithic applications that the financial industry is accustomed to.
www.elysiannxt.com
SILVER PARTNERS
Gambit is a financial technology & service provider. We deliver expertise and business solutions in investment advisory, portfolio optimization and risk management. Our goal is to make money a better support for what comes next, through technology. Our innovative, yet intuitive tools allow financial institutions to better serve their clients, whilst meeting their risk preferences, investment constraints and objectives.
www.gambit-finance.com Gambit
Indexa Capital
Indexa Capital is the leading independent automated investment man ager nº 5 in Europe, now also available in french in Belgium. Indexa of fers its services of index funds portfolio management with total costs and fees of 0,66% yearly on average. The company currently manages more than 1,2 billion € of more than 45.000 customers. indexacapital.com
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Greenomy is a sustainability reporting SaaS that helps companies and financial institutions measure, disclose and improve their sustainability according to the new EU Sustainable Finance reporting legislation. We digitalise the whole process end-to-end and translate heaps of legis lation into a simple and ready to use platform where companies can easily pin-point the Taxonomy requirements according to their activities. Greenomy is the transition partner for all companies and financial insti tutions towards a greener future. www.greenomy.io
Greenomy SILVER PARTNERS
Expertise in trading technology, regtech, analytics and cybersecurity and pioneering activity in disruptive technologies such as blockchain and AI, underpins the region’s reputation as a Fintech hub of excellence.
Invest Northern Ireland
An unbeatable combination of talent, innovation and research has fuelled the growth of Northern Ireland’s financial technology sector.
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Invest NI is the region’s economic agency, helping companies to com pete internationally and attracting inward investment www.investni.com/international-business
SILVER PARTNERS
Moneytrans is a leading money transfer company and one of the fast est growing fintech in Europe. With more than 3.000 agencies in Europe Moneytrans serves more than 10 million customers to send money to 140 countries and 450.000 locations. Over the years, we have widened our range of services to offer a complete solution to overseas workers: FX solutions, bill payments, prepaid cards, mobile top up and custom ized payment accounts in IBAN format since 2020. We are the first mul tichannel financial marketplace for migrant workers in Europe. www.luxhub.com LuXhub
Paperbox
Moneytrans SILVER PARTNERS
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Moneytrans is a leading money transfer company and one of the fast est growing fintech in Europe. With more than 3.000 agencies in Europe Moneytrans serves more than 10 million customers to send money to 140 countries and 450.000 locations. Over the years, we have widened our range of services to offer a complete solution to overseas workers: FX solutions, bill payments, prepaid cards, mobile top up and custom ized payment accounts in IBAN format since 2020. We are the first mul tichannel financial marketplace for migrant workers in Europe. www.moneytrans.eu
Paperbox is a Software-as-a-Service (SaaS) platform for end-to-end document processing in the insurance industry. We process claims, emails and letters using AI and cloud technology. Therefore, Paperbox is equipped with an intuitive human-in-the-loop interface enabling our users to work both faster and more effectively. This means that more time can be spent directly with the end customer, drastically improving customer satisfaction. Working for leading insurance players and bro kers in Belgium. paperbox.ai
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Pulse Consult is a new consulting company founded in 2021 focus ing on payments. We work on imagining and redesigning future proof payment initiation and acceptation means, with a focus on strategic, innovative, and operational aspects. We offer our clients with state-ofthe-art advice on innovation and operations process building, providing a transversal view on all the components of the payment ecosystem. www.pulse-consult.eu Pulse Consult
www.recovr.be Recovr
Recovr is a credit management software that takes care of the whole invoice-to-cash process. From payments matching, fully customized automated workflows to the handling of the case by one of our legal partners, we centralize every information and every step of your invoiceto-cash process.
SILVER PARTNERS
Using Recovr, you are paid faster, with less effort.
Signicat
Rock.estate is a Brussels based data science company specialized in real estate intelligence. We help banks and home insurers better under stand and value their customers’ properties. Through a combination of AI and certified experts, Rock.estate provides building characteristics, risk metrics and valuations for any property. Re lying on these actionable insights, mortgage lenders and home insurers can digitize their product offering, speed up their transaction process and make better decisions.
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www.rock.estate Rock.estate
SILVER PARTNERS
Signicat is a pioneering, pan-European digital identity company with a unrivalled track record in the world’s most advanced digital identity mar kets. Its digital identity platform incorporates the most extensive suite of identity verification and authentication systems in the world, all ac cessible through a single integration point. The platform supports the full identity journey, from recognition and on-boarding, through login and consent, to making business agree ments which stand the test of time. www.signicat.com
www.simontbraun.eu Simont Braun
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www.skwiz.ai Skwiz SILVER PARTNERS
Skwiz turns manual document treatment into a thing of the past. Skwiz is an AI solution that categorizes and extracts data (incl. tables) from complex documents such as invoices, receipts or reports. Get started immediately with our pre-trained models, or let our experts handle your specific document types, avoiding any complexity. By combining high accuracy, a simple API and an intuitive web app to support your docu ment workflow, Skwiz frees up your time so you can focus on your core business.
Simont Braun is a reference law firm in Digital Finance and Financial Services in Belgium. Our team combines sharp legal expertise with a pragmatic and commercial approach thanks to excellent connections with the financial ecosystem and the regulators. Simont Braun assists FinTech service providers in all their regulatory, legal, data and compli ance queries: licence applications, regulator interaction, launch of new products and services, implementation of conduct of business rules, marketing and advertising, contractual drafting, etc. The team is also well-known for guiding foreign FinTechs through the Belgian regulatory maze and assisting them with their arrival on the Belgian market. We are keen on building long-term relationships with all our clients.
www.sopiad.com Sopiad SILVER
Thales
PARTNERS
Today’s enterprises depend on the cloud, data and software in order to make decisive decisions. That’s why the most respected brands and largest organizations in the world rely on Thales to help them protect and secure access to their most sensitive information and software wherever it is created, shared or stored – from the cloud and data centers to devices and across networks.
SOPIAD is the independent provider of client-centric ratings that simpli fy non-professional investors decisions while comforting their financial well-being and alignment with their personal values.
Cloud Protection & Licensing is part of Thales Group. Solutions & USP Data protection, Key management, Payment security, Network encryp tion, Privacy regulation compliance, Cloud security, Big Data, IoT, En cryption, Cryptography, Hardware security modules, SecDevOps, data security, digital transformation, Access Management, Secure Access, HSM, and Compliance - www.thalesgroup.com/en
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Grounded on years of academic research and guided by seasoned wealth management and academic experts, we help financial intermedi aries personalize the investing experience.
Our solutions enable organizations to move to the cloud securely, achieve compliance with confidence, and create more value from their software in devices and services used by millions of consumers every day.We are the worldwide leader in data protection, providing everything an organization needs to protect and manage its data, identities and intellectual property – through encryption, advanced key management, tokenization, and authentication and access management. Whether it’s securing the cloud, digital payments, blockchain or the Internet of Things, security professionals around the globe rely on Thales to con fidently accelerate their organization’s digital transformation. Thales
Eight in ten executives agree open banking is a revolution, transforming the way people interact with financial services, and giving rise to entirely new business models.
SILVER
Find out more at tink.com/survey-reports/ www.tink.com Tink
Treezor is a European leader in Banking-as-a-Service (BaaS). Its onestop shop solution enables Fintechs & Businesses to accelerate their banking projects by outsourcing their payment needs. To smoothly embed payments into their own customer experience, busi nesses can rely on Treezor’s expertise for regulation and technology.
Tink is Europe’s leading open banking platform that enables banks, fin techs and startups to develop data-driven financial services. Through one API, Tink allows customers to access aggregated financial data, ini tiate payments, enrich transactions, verify account ownership and build personal finance management tools. Tink connects to more than 3,400 banks that reach over 250 million bank customers across Europe.
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Find out in our latest survey report how the sentiment towards open banking has changed through the years, what bankers are looking to en able with the new capabilities – and when they expect their businesses, as well as the industry as a whole, to realise its promise.
PARTNERS
From evolution to revolution
Treezor’s financial services are offered by API and cover the entire pay ment chain, from acquiring to issuing. Founded in 2016 and acquired in 2019 by Societe Generale group, Treezor is a regulated Electronic Money and Payment Institution approved in 25 countries and a Principal mem ber of the Mastercard and SEPA networks. www.treezor.com Treezor
PARTNERS
Finshape is an alliance of two companies that share the same culture, values and vision. We believe that personalised, data-driven banking ex periences and digital business models are the way forward for banks. BSC’s digital banking platform solution and W.UP’s deep personalisation capabilities will allow industry players to use digital to its full potential and act as a catalyst for a whole new era of banking. One where banks are powered by innovation.
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www.finshape.com W.UP SILVER
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BRONZE PARTNERS
Argenta is a bank-insurer for families, pro viding simple and transparent financial ser vices to more than 1.4 million customers both digitally and through a strong branch network. In our 4 pillars – daily banking, lending, insurance and investments – we provide a straightforward, price conscious and sustainable offering to our customers as a trusted partner in life. Today, Argenta is embracing a proactive role in the FinTech landscape through partnerships that en hance this value proposition. www.argenta.be Argenta Febelfin Academy is the competence centre for the financial sector. We provide financial training from basic to expert level with a fo cus on job-specific skills. We offer impactful hybrid learning journeys to professionals through a combination of various learning formats from practical workshops, coaching to e-learning, webi nars and assessments. www.febelfin-academy.be Febelfin Academy
Monizze is the first 100% digital and 100% Belgian issuer of social vouchers. For more than 10 years, they have been offering fiscally advantageous and innovative pay ment solutions. Their extralegal benefits put the user first in order to boost employ ee well-being. They also support the local economy and help employers develop new strategies to retain talents. Quality and ra pidity of service, a human-centric approach and streamlined digital processes: that is the Monizze way. www.monizze.be Monizze
Withsatisfaction.theVivium Digital Awards we create an overview of all the digital tools that exist on the Belgian market that help insurance brokers. www.viviumdigitalawards.be Vivium BRONZE PARTNERS Paynovate is a fully licensed e-money in stitution, specialising in card issuing and acquiring for Visa, Mastercard, Bancontact and UnionPay as well as IBAN accounts with wire transfers, instant transfers and direct debit. The power of Paynovate em powers start-ups, SMEs, and corporations in Europe and beyond to Build Their Own Fintech with our solutions. Paynovate is a Loyaltek company. The Loy altek Group is here to process funds the best way possible: easily, efficiently, and securely. www.loyaltek.comwww.paynovate.com Paynovate
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Timelex is a leading Belgian niche law firm specialised in privacy law (GDPR), IT law, media law and intellectual property law and related aspects of contract law, commercial law, etc. We have a lot of hands on experience in the FinTech sector. We have combined experience in drafting legislation, conducting legal studies, pro viding legal advice, drafting and negotiating contracts, and defending our clients in legal disputes (negotiation, mediation, arbitra tion, court). www.timelex.eu Time.lex
Vivium Insurance, member of the Belgian P&V Insurance Group, offers a wide range of insurances that are distributed through independent insurance brokers. Digital tools help brokers to optimise the efficiency in their offices, to simplify their administration and to increase customer
Brussels welcomes you ! Discover a capital that constantly surprises you and create an attractive travel experience full of history, gastronomy, heritage in a multicultural and lively city. is the official tourism and culture communication agen cy of the Brussels-Capital Region. An attractive travel destination and pleasant city to live in, Brussels is a metropolis of art and culture, a gas tronomy and architecture discovery location and a dynamic congress and trade fair city. We link all art, heritage, culture, and visitor service providers active in Brussels. We define the tourism marketing strategy and ensure the pro motion in the city and abroad. Plan your visit with us! www.visit.brussels
VisitBrussels
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Visit.brussels
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Join the best fintech networking in Belgium!
OFFERED BY
After an inspiring day of conference, don’t forget to join the DFS networking party. Beyond a great moment spent with like-minded people, we’ll cosy it up with “fintastic cocktails”, serve you delicious food, and make you dance with a unique concert and one of the best DJs in Luxembourg.
PROGRAMME
87Digital Finance Summit 2021
Digital Finance Summit 202188 STAGE 2 EU FT Pitch Battle STAGE 3 Interactive Sessions Roundtables and workshops STAGE 1 Main stage STAGE 1 Main stage LUNCH Buffets CAFÉ Meet the Speakers RECEPTIONCloakroom PARTNERS Parallel Argenta,Sessions,EDFA 6 26 27 28 29 30 31 32 33 34 35 36 17 20 19 21 22 23 24 25 11 10 18 78 1 2 3 4 5 9 12 37 13 14 15 16 38 39 40 FLOORPLAN
Digital Finance Summit 2021 89 TECH & INFRASTRUCTURE • Altares Dun & Bradstreet 2 • IBM 8 • Isabel Group 4 • Metamaze 5 • Microsoft 6 • Nomadic Labs 7 • Proximus / Digital Identity 3 • Salesforce 1 • Thales 26 • Tink 17 • Transmit Security 10 • w.up 9 PAYMENT • BancontactPayconiq Company 11 • LUXHUB 13 • Moneytrans 14 • Treezor 15 • Visa 12 REGTECH • b.fine 28 • Docbyte 18 • ElysianNxt 29 • Greenomy 27 • Signicat 19 WEALTH & ASSET MGT • Gambit Financial Solutions 31 • Indexa Capital 32 • SOPIAD 33 INSURTECH • Paperbox 22 • Rock.estate 23 • Skwiz 24 ECOSYSTEMS & SERVICES • Approach Belgium 16 • AREA42 39 • Byrssa 25 • Febelfin Academy 36 • FinTech Belgium / BAx / EDFA 38 • Invest Northern Ireland 40 • The LHoFT 37 • Pulse Concept 35 • Simont Braun 34 ACCOUNTINGTECH • AiVidens 30 • Digiteal 20 • Recovr 21 EXHIBITORS
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How will finance contribute to this recovery? How can it contribute sustainably? Our selection of inspiring speak ers will share up to the minute developments, trends and best practice from the digital finance world in this new, post covid era.
Digital Finance Summit 202192
AGENDADETAILED
SUSTAINING ECONOMIC RECOVERY
The pandemic brought widespread and devastating disruption to our lives. The need for accelerated digitalisation became immediate. Now is the time for reconstruction and redevelopment.
STAGE 1 / MAIN STAGE
8:30 Opening by Jean-Louis VAN HOUWE & Karel BAERT Fintech Belgium & Febelfin 8:50 A word from Vincent VAN PETEGHEM , Deputy Prime Minister and Minister of Finance of Belgium 9:00 Opening keynote by Audrey CHABIN Visa BAERTKarel CEO Febelfin CHABINAudrey Head of VisaFranceDevelopmentBusiness&Belux VANJean-LouisHOUWE Chairman of FinTech Belgium & CEO of SPEAKERSMonizze-UpHERE IS THE PROGRAMME Digital Finance Summit 2021 93 VANVincentPETEGHEM Deputy Prime Minister and Minister of Finance of Belgium VANAGTToon Managing Director DirectorData.be MODERATORBelgiumFintech
HOMOLOVAGabriela VenturesDrebbelCo-Founder&BYRSSA BUTCHERSteve Global MicrosoftArchitectIndustry 9:15 - 10:30 - FINANCE GORISKarine Head of &Security,DigitalITRiskDRP Belfius BUNYARDVictoria MicrosoftCTO SPEAKERS DZIRIRamzi Product Manager Open LuxHubBanking DEPAUWXavier Co-Founder & StealthCo-CEO Startup
In the past year, digital finance has significantly evolved. There is so much going on, between the emergence and fast progress of new players and the transforma tion of the more established ones due to the new priorities set by governments and digitalisation.. Helping to develop start-ups and scale ups whilst supporting small and large compa nies is key to the competitive future of the European financial ecosystem. Our speakers will share their vision of the future of banking and finance. Open finance, blockchain, crypto and ESG are amongst the hottest topics of the day.
Digital Finance Summit 202194 STAGE 1 / MAIN STAGE
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Digital Finance Summit 2021 95 LAINEZMarc VP API Marketplace Isabel Group TOLEDOMarc Managing Director BAx NOTES
Digital Finance Summit 202196 STAGE 1 / MAIN STAGE How is Insurance simplifying real-time processes and riskIsassessments?itbecomingan inevitable, but invisible part of our day to day life? The increasing amount of data and the hyper- connectivi ty of individuals and corporations, as well as the demands of the customers, brings a continuous development of the Insurance sector built on complex technology-based solutions preventing the risk. This evolution brings ideas and opportuni ties beyond insurance: we will explore how startups, scale-ups and larger companies are adapting their business models to pro tect our families and businesses. 11:15 - 12:30 - INSURANCE DEWIJNGAERTKatrien General KBCTransformationStrategyManager& Philippe VAN BELLE Chief Information & Technology Officer AG Insurance GODERISJonathan SPEAKERSKeypointDirector&Co-FounderManaging VANDOORENPietjan CEO & Rock.estateCo-founder SOENSBernard General IndependerManager BOYDENSPatricia VPConsultantInnovationFinTech Belgium
VERMEERSCHLode Head Area42of Digital Finance Summit 2021 97 NOTES AMMANPatrice WW MicrosoftServicesFinancial
VANDENBUSSCHEWouter Solution Lead Security & ProximusIntelligenceService
AFTERNOON VP, IBMCloudHybridEMEA Partner at Schiltz and Schiltz Head of State BelgiumKingdomSecretaryof
MANZARINadia
GreenomyProducts MICHELMathieu
REGULATION
With the introduction of its digital finance package, the European Commission wants to create the right conditions for a compet itive EU financial sector, giving consumers access to innovative financial products, whilst ensuring their protection and finan cial stability. Our experts will share with you the latest EU decisions and their impacts. Get an overview of the latest regulatory policies in development such as eIDAS, ESG and utilities, as well as the pipeline of legisla tive proposals such as DORA and MiCA. On stage, the main actors in the field will share their own vision of these evolutions and the consequences for our ecosystem and the rest of our society.
A Word from Mathieu Michel, Belgian state secretary for the digital agenda.
OPENING BRUYEREAgnieszka
STASZKIEWICZMaria EDFAPresident SPEAKERS VANHOMWEGENHenri
Digital Finance Summit 202198 STAGE 1 / MAIN STAGE
14:00 - 15:15
13:50 - 14:00
VANTom BERGHEDEN Director Sustainable Finance Febelfin DABDavid TechnologyNational Officer Microsoft Digital Finance Summit 2021 99 NOTES
DESOUCHESNIEDERCORN-Solenne
AdvisorDirectorNon/ExecutiveandSeniorinFinTech/VC
Digital Finance Summit 2021100 STAGE 1 / MAIN STAGE
Dr.
MicrosoftBelux/SwitzerlandDirectorManaging
The post-covid economic recovery is already here and happening. It represents an opportunity to create eco nomic prosperity for everyone. We’ll hear from our speakers on how digital finance and alternative payment solutions will be key to this recovery. You will also have the opportunity to take a deep dive with inter national experts on how the CBDC are seen as an essential tool for the relaunch, com paring the e-Euro and the e-Yuan. Come and discover what the exciting new opportuni ties are for our ecosystem.
CAUDEVILLAOriol FinTech advisor CBDC and GIFT ONGENADidier
- RELAUNCH
15:50 - 17:15
LANSLOTSCaroline
ROESSIGFrank HeadCEO Digital Trust ProximusSolution
Sr TinkManagerDevelopmentBusiness SEZENEmma Head of AI for StartupFinance Inside PATELSurash SaaS TelesignLeaderGrowth SPEAKERS
Digital Finance Summit 2021 101 NOTES COLMANTBruno Head of Private PetercamBankBankingDegroof LOCHYJoris Product MonizzePaymentsManager ZURSTRASSENJosé Bit4YouAdministrator
Fincite, winner of Scale-up Award 2020, one year later. 16. iPaidThat 17. Neterium 18. Indexa Capital 19. Seraphin 20. Sagacify
HERE IS THE PROGRAMME VANGauthierDER ELST ScalefundPartnerInvestment DOYENSebastien DigitalDirectorAttraxion Filip CUYPERS MEMBERSVoltaPrincipalVenturesOF THE JURY
Digital Finance Summit 2021102 STAGE 2 / EUROPEAN FINTECH PITCH BATTLE 9:15 - 10:30 1st session Introduction Pitches (5 min pitch + 5 min Q&A) 1. Art4Climate 2. Immotekens 3. Greenomy 4. Cashplannr 5. Paperbox 11:15 - 12:30 2nd session Oper, winner of Startup Award 2020, one year later. 6. The Hokus Platform 7. Wequity 8. A352 SARL 9. FundProcess 10. InConnecte 13:50 - 15:15 3rd session Penbox, winner of the Public Award 2020, one year later. Pitches (5 min pitch + 5 min Q&A) 11. SLVRCLD 12. Trensition 13. Datavillage 14. b.fine 15. ElysianNxt 15:50 - 17:05 4th session
Digital Finance Summit 2021 103 NOTES VOTE FOR FAVOURITEYOURPITCH Poll available in the Pitch sessions in the agenda WINNERS OF 2020 SUNTAYSelin Lead Analyst BCGMODERATOR Christophe CASTAN CoPenboxFounder HEIMRalf Founder and FinciteCo-CEO VANGeertKERCKHOVEN CEO & Co-Founder Oper
Digital Finance Summit 2021104 STAGE 3 / INTERACTIVE SESSIONS 9:15 - 10:30 - 1st Roundtable ESG: between desire, need and obligation, what lies ahead? Want to learn how to better manage the reg ulatory impact and the increasing demands of clients in ESG? Come and discuss with our speakers on the subject that continues to influence our Animatedsector. by KARLANDERLouise Financial Services SalesforceAdvisorIndustry LAMBERMONTDavid Practice ReportingRegulatoryLead B-fine SUETENSDavid SopiadDirectorNon-Executive CUNNINGHAMDavid Chief Commercial Officer Lex MODERATORTego DEFrançois-GuillaumeLICHTERVELDE CFO and Head of France & GreenomyBenelux
Digital Finance Summit 2021 105 NOTES 9:15 - 10:30 - 1st Workshop No Code by
MODERATORSimonPartnerBraun
Digital Finance Summit 2021106 STAGE 3 / INTERACTIVE SESSIONS How embracing the European Regulation can have a positive impact on your business? The European Union has decided to accel erate the digitalisation of finance. Policies and constraints are accelerating, so how can you make the most of it for your busi ness? Come and discuss the subject in this round Animatedtable.by 11:15 - 12:30 - 2nd Roundtable BRUYEREAgnieszka IBMEMEAHybridVice-PresidentCloud ROSSEELFrederik DocbyteCEO DEPRINSTom Director, MicrosoftIndustryFinancialWorldwideServicesCompliance Philippe DE PREZ
11:15 - 12:30 - 2nd Workshop
Digital Finance Summit 2021 107
Freddy Van den Spiegel is professor at the Brussels University (VUB) and Vler ick Business School. He had a long career in the financial sector in different functions such as Managing Director of Fortis Investments and Chief Econ omist of Fortis. He has a specific interest in the organisation of the financial sector at the European level and was a member of several advisory commit tees and monitoring groups of the European Commission and the European parliament.
In the course of the last 10-15 years, financial institutions have been confront ed with a number of internal and external shocks. Financial crisis, new super vision, digitalization, cryptocurrencies, unconventional monetary policy,… have changed the outlook of the sector and have certainly changed very rapidly the prospects of the sector. During this session Freddy van den Spiegel will give an overview of the main drivers of these evolutions. He will start by analysing the main challenges the financial sector is confronted with. After which he will focus on the various and significant impacts of diverse forms of digitalization.
To conclude the session he will share with us his ideas on the drastic impact of these evolutions for financial institutions.”
Attend this training and get XX points of continuous training.
The road towards a “new” financial system” by
Cybersecurity by 11:15 - 12:30 - 3rd Workshop
&
Digital Finance Summit 2021108 STAGE 3 / INTERACTIVE SESSIONS
Fintech vs Incumbents: how to reach a win-win collaboration in the industry? Digital transformation within large financial groups comes from a close collaboration with innovative fintechs, but a fruitful rela tionship is not always as obvious as it may seem. From risk management to interests alignment, learn how to build a prolific part Comenership.and discuss this topic with our field players to understand the various success es and pitfalls. Animated by 14:00 - 15:15 - 3rd Roundtable Co.StationCEO CEO SagacifyCo-Founder of Sales W.UP
MODERATOR
DEBeatriceMAHIEU
BRAUNTamas Head
FRANÇOISSEKevin
BEAUVOISEdouard
Digital Finance Summit 2021 109 How to reduce frictions in cashflow management? With the current economic recovery, cash flow management is essential for small and large companies alike. Despite increasing digitalisation, there is still a lot of friction. Come and discuss with our speakers the best ways to reduce them. Animated by 14:00-15:15 - 4th Roundtable DALLEPatrick IsabelmanagementMarketingProductGroup DRAPPAAlessandro Co-founder & CEO Recovr
MODERATORAiVidens&Co-FounderCEO DEThibaultBARSY AssociationThe&Vice-ChairmanGeneralManagerPayment
Digital Finance Summit 2021110 STAGE 3 / INTERACTIVE SESSIONS Cybersecurity: how to face the biggest threat to your business? Cyberattacks are becoming extremely so phisticated and represent a system risk for every industry. Discover the latest trends in cybersecurity, discuss with our experts about how to mitigate the risks and, even more importantly, learn how to react prop erly on AnimatedD-day.by 15:50 - 17:15 - 5th Roundtable BEEKMANWido Director Sales Mobile SignicatIdentity DEHEYERLaurent ApproachDirector MARTINELAlexia NomadicBeLuxStrategyAdoptionBlockchain&ManagerLabs SIENAERTNico Business Group Lead MicrosoftSecurityMODERATOR PANICANAlex Head TheandPartnershipsofEcosystemLHoFT
MODERATORLoyaltekResourcesHumanGroup
GOMEZXavier InvyoCEO
KAPITABibi Head of
Digital Finance Summit 2021 111
The latest best practices when it comes to talent acquisition and retention. Finding and keeping talent is a challenge for any company, regardless of size. Come and benefit from the experience of our speakers in the field and interact with them to better understand this challenge. Animated by 15:50-17:15 - 6th Roundtable
WINTENAnn HR IBMDirector CIJNMANSJo MetamazeManagementDevelopmentBusiness
Digital Finance Summit 2021112 CLOSING AND AWARD CEREMONY 17:15 - Closing speech by Joan Carette and Adina Grigoriu CARETTEJoan SimontPartner SPEAKERSBraun 17:30 - Award ceremony by AWARD CEREMONY PARTNERS GRIGORIUAdina Founding Partner & ActiveCEO AllocationAsset
Digital Finance Summit 2021 113
OFFERED BY
After an inspiring day of conference, don’t forget to join the DFS networking party. Beyond a great moment spent with like-minded people, we’ll cosy it up with “fintastic cocktails”, serve you delicious food, and make you dance with a unique concert and one of the best DJs in Luxembourg.
Join the
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18:00 - 22:00 – best fintech networking in Belgium!
YOUTHANK
MAIN SUPPORTINGPARTNERPARTNERS
Digital Finance Summit 2021114
PLATINUMPARTNERSPARTNERS
Digital Finance Summit 2021 115 GOLD
Digital Finance Summit 2021116 SILVER PARTNERS REINVENTING INVOICING AND PAYMENT COUNTRY PAVILION BRONZE PARTNERS NETERIU M
Digital Finance Summit 2021 117 EU FINTECH PITCH BATTLE PARTNERS COLLABORATIVE PARTNERS MEDIA PARTNERS AFRICA FINTECH FORUM India FinTech Forum Fintech Policy Advocacy Fintech Open Innovation
NOTES Digital Finance Summit 2021118
NOTES THE NEXT MILLION DOLLAR IDEA MAY BE AROUND
