Dear FinTech Community, Dear friends,
Welcome to the Digital Finance Summit DFS-2022, the seventh edition of our annual event: BOUNCING BACK!
It is such a great pleasure to or ganise this 7th edition of what has become over the years THE fintech event in Belgium: the Digital Finance Summit. Last year, more than 500 participants (of which > 25% in ternational visitors), >100 speakers and and >40 exhibitors while we stood on the verge of an additional Covid-19 lock-down….
Again for this year, we shall propose a “phygital” event although we feel from you all more eagerness to connect again as humans, rather than avatars “moving in a Metaverse”.
The fintech sectors has been ever booming in 2021 with more than 200 Bn.USD investments around the world, the USA still leading in front of oth er regions, but Europe following with a share of 26 % within the top-three league, next to Asia. Belgium did not meet its proportionate share of in vestments & fundings, yet our ecosystem is bright, elaborated and legiti mate, considering the maturity of the services proposed in our country. No
matter what one does, Fintech remains by far the number one investment sector, over any other tech but sadly not in Belgium!
Over the last year, Fintech Belgium has been instrumental in creating a political awareness of the importance of the sector for our economy to bounce back after the pandemic. It is therefore such a pleasure to have State Secretary of economic recovery, Thomas Dermine, and State Sec retary of digitisation, Mathieu Michel, expose their vision on how further develop our Fintech economy in Belgium.
Looking back at this year, I would like to warmly thank all those fintech lovers and passionate people that have supported our non-profit organi sation, in so many ways, and with a special gratitude for our supporting partners without whom this event would never take place.
Allow me also a special word of gratitude for the Fintech Belgium team, the Directors of our Board spending lengthy non-profit hours, and our members (more than 120 which is a massive representation) to make Fintech wonders happen!
For this seventh edition, we will address the most burning questions re garding Digital Finance, with the special focus on Open Data, Resilience, ESG and Technology.
• a main stage with eminent keynotes, debates and use cases.
• a second stage where EU start-ups will steal the show with their compelling pitches during our European FinTech Pitch Battle!
• a third stage dedicated to interaction where you will deep dive into specific topics during immersive round tables and hands-on work shops.
Since last DFS, Fintech Belgium has been extremely active!
We have further boosted our FIRe Innovation Hub, the Fintech, Insurtech, Regtech, etcetera Tech Powerhouse: 8 000 square meters dedicated to co-work, meet, and learn for the European fintech community moving now from the Central Station, Brussels, towards Silversquare North. The FIRe Innovation Hub is the host of our non-profit federation and the European Digital Finance Association (EDFA with 15 European Fin tech associations) 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 industry and deciding on policies such as the PSD2,OpenBanking, Dora, eID or the CBDC (Central Bank Digital Currency).
Over the last 12 months, FTBE has organised numerous webinars, BeN eLux events, meetups & workshops organised throughout the covid-19 months, with the magnificent help of our partners: more than ever, was the feedback from event attendees commendable on the quality of the sessions!
Our participation to several international Trade Shows (M2020 with a stand shared with 7 of our members, WebSummit, French R:Evolution, Paris Fintech Forum, ICT Spring, … ) and economic missions (Dubai, USA) helped us not only to create better ties with international Fintech Communities, but also accompany some of our political leaders to un derstand what great fintech initiatives are taken abroad; hence inspiring ourselves for wiser decisions.
Last year, Fintech Belgium jointly created the BAx (Belgian Blockchain Association) as crypto continues to mature: don’t forget that more than 30 Bn. USD have been funding businesses worldwide in 2021!
This year, our efforts have been dedicated to making FIRe the innovation facilitator in the Belgian financial industry. Our goal is to help accelerat
ing corporates, banks and insurance companies by bringing the fintechs and all the relevant stakeholders of our industry around their challenges to connect, collaborate and innovate.
We are very excited to announce the launch of our first FIRe Accelerate beginning of December 2022. An innovation sprint week based on the in dustry challenges and designed to accelerate corporates. Innovation think tank, reverse-pitches, tech deep dive, masterclasses, a 2-day-hackathon, networking sessions… A whole week dedicated to Innovation in FS.
Our fintech sector, as underlined above, has been growing and fascinat ing faster than ever!
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, con tribute 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 booming & exciting verticals: payments, regtech, cryptos, insurtech, banking, cybersecurity, AI or wealth management. Bigtech are looking with greedy eyes on providing financial services, Banks and Insurers are digitally transforming themselves, while the formers propose more and more embedded services to non Fintech players, hence building more challenges for the Regulators…
In conclusion, I truly look forward to meeting you during our 7th Edition of the Summit: I can’t wait having the joy of exchanging views, sharing ideas, and building news dreams!
Yours sincerely!
Jean-Louis
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 support startups and scale-ups active in bringing transparency and innovation in our industry, we focus on three missions:
• To be a platform for dialogue with regulators and other parties.
• To actively and tangibly promote the FinTech sector in Belgium and Belgian FinTech’s abroad.
• To share the experience, knowledge and information within and outside the community.
On May 2nd 2016, Fintech Belgium officially became a non-profit organ isation grown from the spirit “by fintechers, for fintechers”. The team includes 11 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, Bjorn Cumps, Toon Vanagt, Xavier Corman, Béatrice de Mahieu, Jo hannes Vermeire and Marc Toledo. The board of directors supports the association with their time, representing the members and association when talking to regulators and other stakeholders, reviewing the mem bership applications and giving advice on the different activities. The operational team consists in Alessandra Guion CEO, Regina Piffarerio admin queen and mother of all members, Ioana Duca events manager, and part-time Xavier Corman as content manager and representative at the EDFA. This team of dedicated employees manages all the events, memberships, partnerships and administration of the association sup ported by occasional trainees for FinTech Belgium’s communication and our annual summit.
We are a proud fast-growing community. In hardly 7 years, we repre sent 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.
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
In the past year, Fintech Belgium has become a very proud founding member of two crucial non-profit associations:
• The European Digital Finance Association (EDFA) > see page 8. for more details
• The Blockchain Association of Exchange Platforms and Custodians > see page 6 for more details
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.
The BAx has the mission to:
1. FEDERATE - represents the voice of the blockchain and digital asset industry in Belgium
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
- to create communication channels within the finance and insurance industry and government to share knowledge, - identify opportunities and thus ensure a safer digital future
- 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.
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. The real challenge for the BAx and our country is to find a solution that 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.
To be a network catalyst of collaboration between EU ecosystems,
To represent the Digital Finance players at a European level to
European Digital Finance Association is the independent industry body that represents the digital finance community. Our mission is to support Europe’s global role in the financial technology sector.
The purpose is to support Europe’s global role in the financial technology sector.
Established in 2020, EDFA unites European national fintech associations and their several thousand members, and technology companies. 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 favourable policy and business opportunity.
Digital finance will boost the European economy and improve the lives of con sumers and businesses.
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..
Abbove is a wealthtech compa ny developing a collaborative wealth planning platform (pre viously PaxFamilia) that unites financial advisors, their clients, wealth data and technology in one place.
To help financial advisors strengthen families over gener ations, Abbove’s solution sup ports their wealth management activities.
In short, Abbove’s solution can be considered as a comprehen sive and collaborative wealth planning platform that focuses on improving both advisor effi ciency and client experience.
Adyen (AMS: ADYEN) is the fi nancial technology platform of choice for leading companies.
By providing end-to-end pay ments capabilities, data-driven insights, and financial products in a single global solution, Adyen helps businesses achieve their ambitions faster. With offices around the world, Adyen serves customers including Facebook, Uber, H&M, eBay, Kinepolis, Mai son Dandoy & Deliverect. www.adyen.com/en
www.abbove.com
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.
Credendo’s innovation vehicle, AREA42, uses TradeTech to solve real B2B trade problems. TradeTech is a new industry lev eraging technology to improve the trade of goods and servic es and create a fluid, risk-savvy trade environment. An example: AREA42 disrupts B2B market places with TERMS.tech, our white label BNPL solution.
We plan to offer in 2022 a dis ruptive service bringing together the power of blockchain and the art market to make a maximum positive impact against climate change.
www.art4climate.com
b.fine is a young and dynamic RegTech scale-up whose mis sion is to innovate the regulatory reporting processes within the financial industry. Getting the data right and getting the right data is crucial for financial insti tutions when it comes down to regulatory reporting.
www.getalma.eu
With our partners (World Eco nomic Forum, Fintech Belgium, La Place Fintech) and our global community, we tackle issues too complex to fix alone. Let’s make trade future-proof. www.area42.tech
Today, several financial institu tions rely on b.fine to transform their time-consuming, complex reporting processes into an ef fective reporting supply chain through our regulatory platform called b.rx. www.b-fine.eu
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 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. www.bnkbl.com
Making Open Banking Open.
BankingSDK gives full control over your open banking data, worldwide.
One software library connects you to thousands of banks APIs using PSD2 and openbanking solution. www.bankingsdk.com
Basikon is a SaaS designed by financing experts with cutting edge technology. Its architec ture revolutionizes the way fi nancial institutions collaborate with partners and customers to manage any king of loans, leas es, guarantees, and wholesales financing.
Basikon Hyperfront provides absolute flexibility for seamless customer and partner journeys, back-office automation, and unleashes financing innovation. Basikon ensures the security, scalability, and simplicity to ac celerate business growth. www.basikon.com
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. www.belmoney.be
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
Bizzy makes reliable business information easily accessible for everyone. We have direct access to best-in-class information sources and compile everything in our intuitive and easy-to-use platform.
Bizzy gives you direct access to everything you want to know and keeps you up to date on all the relevant changes about people and companies you are interest ed in. We work hard so you don’t have to! www.bizzy.org
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 WealthTech www.blanco.services/nl/
Bonsai is a Belgian startup that offers a free Mastercard that allows you to pay around the world with your smartphone. On top of that, we donate 10% of our revenue to sustainable ini tiatives. For every 10 payments you make, we plant a tree. You can install the app in less than 3 minutes for immediate use, so you can already download the app while reading this brochure to discover all other benefits of using bonsai. www.paybonsai.com
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 (inter)national payment options for e-commerce payments to extensive customization in debt collection, Subscription Servic es, Marketplace Split-Payments and Credit Management. More than 15,000 companies in the Benelux, including corporates and webshops, as well as plat form partners are using Bucka roo’s payment technology. www.buckaroo.eu
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 e-commerce.. www.buyway.be
Capitana App is a female-first smart advisor for mindful invest ing - Your BFF (best financial friend). We empower women to develop their financial literacy and start investing sustainably for long-term returns.
Capitana offers inclusive and sustainable investment manage ment, financial education and coaching all in one place, allow ing women of all stages of life and experience, to save more, earn more and invest more. The future belongs to those who invest now. www.capitana.app
Cashplannr BV is a legal Belgian entity, helping entrepreneurs take better financial decisions.
www.cashplannr.com
cinvio is your Antwerp based technology and community part ner with a payment and invoicing platform to boost online sales in the B2B logistics industry; digi tally and seamlessly.
The cinvio community is your oyster! Reach out to over 1000 logistics companies in more than 17 countries and boost your online services: cinvio pro vides visibility, voice, value… and financial peace of mind.
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
www.cinvio.com
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.
www.contract.fit
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
Cryptomium Terminal lets you understand what is happening to Bitcoin and other cryptocur rencies at anytime.
Get the narrative behind market events.
www.cryptomium.co
Curvo improves the financial well-being of the next genera tion of Belgians through index investing. The founders realised that their generation are facing a scary financial future. At the same time, savings accounts are not sufficient because in terest rates are eaten away by inflation. They believe investing in the global economy is the solution, but investing well is very difficult.
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 (KYC/KYB/ UBO/AML).
Curvo solves all the complexi ties, and it is the easiest way to prepare for the future.
www.curvo.eu
Our screening solutions auto mate compliance processes and offer better insights on counter parties. Test our pre-fill plat form, alerts and checkers for Mandates, B2B Bank Accounts and VAT links. Use data.be to improve your compliance effi ciency and risk mitigation.
Huge amounts of data are col lected, duplicated and kept quiet in organizational silos. Data village’s value proposition is to enable organizations to process sensitive and personal informa tion while ensuring control of data and algorithms throughout the collaboration process. Organizations can access data without collecting it on their system and they can share data without fear of it being misused or of losing their competitive ad vantage.
www.datavillage.me
www.data.be
Get paid faster, more regularly and at a lower cost!
Digiteal accelerates its clients’ digital transformation and op timizes their cash flow through a range of innovative payment technologies, from payment QR Code to split payment solutions for marketplaces.
Why Digiteal? Authorized as a payment institution and as TPP (AIS/PIS) by the National Bank of Belgium, Digiteal brings unique added-value to your national and international projects. www.digiteal.eu
DigiTribe is a double-nominated Belgian startup of the year, IT & business consulting company, specialized in Cybersecurity, Cloud, Architecture and Digital Enablement. We co-develop our Tribes with the community to bring innovation, relevant digital practices, and the start-up mind set to organisations. Our goal is to offer the right solutions by providing advisory, structured services as well as dedicated teams and ad-hoc consulting services to our customers www.digitribe.be
Discai empowers financial ser vice providers to fully focus on their core business.
It sets new standards with in novative AI-based solutions in a banking-as-a-service model, of fering its customers worry-free smart fin tools.
As a full subsidiary of KBC Group, one of Europe’s leading Financial Institutions, Discai delivers hyper-performant and proven solutions to the market that were developed by KBC’s inhouse AI-team of +100.
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 contract.
Our 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.discai.com
www.docbyte.com
BYRSSA is a trusted European digital execution platform for SAFE based (pre-) seed fund ing and priced funding rounds through Security Token Offering. It facilitates the fast, simple, se cure and legally compliant fund raising in EU.
Byrssa is an enterprise made possible by Drebbel Technology Brokers, the specialist in finan cial technology sales. www.drebbel.eu
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. www.econodigital.be
Edebex, a Belgium-based fintech founded in 2013, created an in novative B2B online marketplace 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 offers its seller clients a simple, accessible, fast and flex ible financing 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.
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
www.edebex.com
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.
www.elmorebrokers.com
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.
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. Features Analytics collaborates with top worldwide banks, in vestment banks and market in frastructures. www.features-analytics.com
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
www.elysiannxt.com
FinFlag, a Belgian fintech pro vides SaaS solutions as well as consulting services to the play ers in the Payments Industry.
Our B-CEPHAL is a no-code, non-invasive, flexible software solution aimed at companies in volved in the electronic payment process composed of the fol lowing modules: reconciliation, billing, accounting, budgeting & forecasting, profitability man agement, scheme invoice moni toring and much more. www.finflag.com
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
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.
Finventory provides a diversified range of services:
• Automatic data processing
• Daily calculation of bor rowing base
• Risk Analysis
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.
FundProcess creates SaaS Solutions and Integrated Coding Tools for Asset Managers want ing to improve the Customiza tion and Integration of their Core Management System and their outsourcing.
The Asset Managers can now design, by themselves, the Data Management and the features they need for their Investment Management, Risk, Private Equi ty and Compliance. www.fundprocess.lu
www.finventory21.com
“We transform inventory into capital”
Gambit Financial Solutions was created in 2007 by a group of scientists at HEC-University of Liège. Our ambition – then and now – is simple : to put the cus tomer at the heart of investment advice by the use of innovative technology.We have a compo nent and micro-services based approach for faster customiza tion and cheaper deployment costs. Our software is used by financial institutions in Belgium, France, Luxembourg, Switzerland and Brazil. We are continuously nur turing new talents across our offices around the world !
Greenomy is a SaaS that helps corporates, credit institutions & asset managers comply with the new EU Sustainable Finance Regulations (EU Taxonomy, SFDR, NFRD/CSRD) by digitaliz ing the data capturing & report ing process.
Our solution establishes a sustainability data & analytics ecosystem that connects all stakeholders & facilitates the redirection of funds towards sustainable initiatives. We are integrating other Green Taxon omies to offer stakeholders a one-stop solution for their global operations.
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 expe riences.
By maintaining a complete, high-quality, reusable financial passport for each individual and corporate customer, Harmoney remotely orchestrates all inter actions between the front office (relationship management), the back office (compliance) and end users.
Helderlenen.be is the first digi tal-only mortgage aggregator in Belgium, built for and by digital natives.
Our website helps homebuyers who want to finance their home by comparing their best options and removing complexity. www.helderlenen.be
www.myharmoney.eu
www.gambit-finance.com
www.greenomy.io
For over 33 years, Hyarchis has been helping its clients manage their most important data and comply with regulations such as GDPR, Wwft, KYC and AML. Hy archis provides an AI-powered solutions suite to clients in the financial services sector, helping them simplify regulatory change management throughout the lifecycle of their customers in a single fully automated data management platform.
The technology ensures the endto-end KYC management from onboarding and remediation to continuous monitoring in a single platform and compliant framework.
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 by Isabel Group is the most efficient, secure and de veloper-friendly API aggregator for open banking and finance services.
Using Ibanity, fintech companies can connect their customers’s bank accounts and payments to over 1,800 European banks in a matter of minutes. Always in line with PSD2 regulations, Ibanity ensures seamless integrations, reliable API connections, and an expert techteam available to as sist you. Sign-up and create new open banking services without
effort!
www.ibanity.com
We tokenize real estate investments. www.immotokens.be
www.hyarchis.com
InConnect offers the first in tegrated customer journey for managing personal safety for yourself, your loved ones and your key assets.
With our solutions you can as sess your safety, reduce risks and integrate this with services and insurance.
We call this Smart Protection for Safer Living: the optimal combi nation of prevention and insur ance that gives users the best value for money and most peace of mind. Fair, easy and much better than insurance alone. Check our Quick Scan. And Keep ‘m safe the best you can! www.inconnect.io
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. www.indexacapital.com/es/esp/
iPaidThat is the only all-in-one tool for financial and accounting management for small and me dium-sized businesses.
It meets all the needs of compa nies by collecting, analyzing and restoring financial and account ing data. A complete offer and a unique tool, all at an attractive price: the future of accounting and financial management is on iPaidThat. www.ipaidthat.io/
Enabling businesses to run without hassle.
Together with our partner eco-system, we address the needs of accounting firms, banks and SMEs.
Isabel Group ensures a smooth and secure exchange of docu ments, payments and identities between all parties in the fi nancial chain. Our experience, reliability and sense for innova tion make us Belgium’s biggest fintech and the fulcrum point in the financial world. In a chang ing economic climate, we offer solutions and services to tackle the challenges of digitization.
www.isabelgroup.eu
The itsme®-app offers safe online identification,strong cus tomer authentication and quali fied signing. In the space of five years, itsme® has become an established value in the lives of Belgian with already 6.5 million users and it is also available in The Netherlands.
Popular across many sectors and already implemented in websites and apps of numer ous companies both private and public, itsme® offers to each citizen/client a secure and easyto-use digital identity. www.itsme-id.com
kennek is a B2B fintech providing lending and credit infrastructure.
We offer a unique end-to-end op erating system as a SaaS. This covers middle/back-office, servicing, monitoring and inves tor reporting.
Our clients are lenders, credit in vestors and any company look ing to offer embedded credit.
The kennek SaaS facilitates the capital flows from institutional investors to lenders, creating a SaaS enabled marketplace for alternative credit portfolios. www.kennek.io
Since 2005 Klarna has been on a mission to revolutionize the retail banking industry. With over 150 million global active users and 2 million transactions per day, Klarna is meeting the changing demands of consum ers by saving them time and money while helping them be informed and in control.
Over 400,000 global retail part ners, including H&M, IKEA and Nike have integrated Klarna’s innovative technology to deliver a seamless shopping experi ence online and in-store. With over 5,000 employees, Klarna is active in 45 markets.
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
www.klarna.com/be
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
Built on compliance and driven by innovation, Open Finance pi oneer LUXHUB takes an active part in the transformation of the financial services industry, by facilitating the exchange, collaboration, and value creation between all players.
Through its unique solutions and by leveraging its AISP and PISP licenses, the fintech aims at helping all companies take full advantage of arising digi tal opportunities and therefore provide end-customers with in novative services and intuitive experiences. www.luxhub.com
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 experience ensures fast collection.
www.mailtopay.be
MeDirect is a Belgian online bank offering investments and wealth management services. The bank also offers savings products. In partnership with Allianz, the bank is also marking its spot in the mortgages sector.
MeDirect Belgium was success fully launched in September of 2013 and is developing itself as an innovative and disruptive WealthTech player on the Bel gian financial market. MeDirect focuses strongly on client sat isfaction.
www.medirect.be
Metamaze is able to automate classification and data extraction from any document in your company.
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
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. www.mgfeu.be
Loan application
Underwriting processes Mailroom automation
Know your customer
MoneyOak is a Belgian company that sets out to optimise your company’s position about in vesting in its future. MoneyOak specialises in innovation-related tax incentives and leads the field for grants, partial exemption from payment of withholding tax and the innovation income deduction.
Our goal is to enable companies to benefit from additional sourc es of finance while remaining focused on their core business. Present in Belgium, Spain, France and Poland, MoneyOak has earned the trust of more than two hundred clients.
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 lo cations.
Over the years, we have widened our range of services to offer a complete solution to overseas workers: FX solutions, bill pay ments, prepaid cards, mobile top up and customized payment accounts in IBAN format since 2020. We are the first multichan nel financial marketplace for mi grant workers in Europe.
Monizze is a Belgian FinTech that maximizes people’s pur chasing power with simple dig ital solutions. With inflation on the rise, the looming threat of a global recession, and people’s need for more flexibility, com panies of all sizes are rethink ing their HR and compensation policies. That’s where Monizze comes in. We take your regular extra-le gal advantages and package them into simple, no-nonsense solutions: zero administrative burdens, a ton of value, and no bullshit.
mozzeno services provides lending-as-a-service solutions allowing all types of partners to propose loans to their consumer or business customers.
www.monizze.be
www.moneyoak.com
www.moneytrans.eu
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
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
Neterium is an API-native regtech, founded in 2017 by a team having a combined 85year expertise in Financial Crime Compliance (FCC). Today, 80% of all cross-border banking transactions are screened us ing technologies we previously designed.
Our exclusive focus is to help fintechs, banks and digital plat forms perform watchlist screen ing through our real-time API. Screening is a regulatory obliga tion for two specific use-cases.
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.
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.
www.nobusoft.net
www.neterium.io
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
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 accountant.
Therefore, 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.
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.
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.
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.onespan.com
www.OkiOki.be
www.osom.finance
www.paperbox.ai
Our mission is to help pets live their best life by providing be spoke, affordable and digital healthcare services, starting with insurance.
Motivate your customer (B2B) to pay your invoices quickly: with PayAdvisor, it is Your customer who (by paying your invoice on time) will give himself a good rating (PayAdvisor’s rating), a good E-reputation visible on the Net Positive spiral, strong reduction of late payments of Impayments and of conflicts. www.payadvisor.eu
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 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
PriceHubble is a B2B proptech company that builds innovative digital solutions for the real es tate industry based on property valuations and market insights. PriceHubble’s digital solutions are designed to help all players across the entire real estate val ue chain (banks, asset manag ers, developers, property man agers and real estate agents).
PriceHubble is already active in 9 countries: Switzerland, France, Germany, Austria, Japan, Neth erlands, Belgium, Czech Repub lic and Slovakia. www.pricehubble.com
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
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 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 effort. www.recovr.be
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
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
Rock.estate is a data science company founded in 2017 in Brussels. We help companies better understand their custom ers’ homes. Through a combi nation of open geodata and AI, Rock.estate calculates building information such as accurate 3D models, building characteristics, market value and energy con sumption. We enable our customers to save time and make better decisions. www.rock.estate
Sagacify is helping its clients reach operational excellence by developing automation solu tions.
Thanks 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. www.sagacify.com
Now send money at a real ex change rate ! Say No to money transfer commissions !
ScopeX makes your remittance transfer easier. The fastest way to send money worldwide. Send money cheaper and easier than old-school banks. Stay on top of your transfers and make the most of your money with re al-time remittances.
Open your ScopeX account in less than 3 minutes! Easy, se cure, 100% safe. www.scopex.co.in
Straddling the line between fintech and insurtech, Serenity Shield provides a simple, pow erful cryptographic solution for both retail and institutional ap plications.
Serenity Shield provides a trans parent, user-centric, fully decen tralized approach to providing the highest tier of asset protec tion available. Serenity Shield provides a new and innovative blockchain tech nology solution to recover and make heritable one’s digital as sets. www.serenityshield.io
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
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 claims. #quickcontentclaims. www.slvrcld.com
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.
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 rience.
Our democratic equity fund ing platform, DeepTech.fund, creates access for any type of investor to early investment rounds in the most promising European “Deeptech” startups.
www.S4I.be
Looking forward, the client-ad visor relationship will be about collaboration and purpose, not about financial performance only. www.sopiad.com
www.spvfund.fund
Swan is the easiest way to embed banking features into your product. Via Swan’s sim ple APIs, European companies can integrate banking services (accounts, cards, and IBANs) quickly and easily into their own product. Co-founded in 2019 with start-up Studio eFound ers, Swan received a 5M€ Seed led by Creandum in 2020 and a 16M€ Series A led by Accel in 2021. Listed in “Europe’s rising 100” by Sifted, Swan is currently expanding across Europe. Addi tional offices are set to be open in Germany and Spain, and the global team is projected to reach 100 by fall. Swan is a Mastercard principal member and a licensed financial institution, regulated by the ACPR.
www.swan.io
The Hokus Platform is an award-winning S.A.S Insurtech providing a highly secured, PSA approved and connective plat form to centralize and digitalize all the subscription and contract management for life insurance stakeholders (Insurance com panies and wealth management institutions) www.thehokusplatform.com
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
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
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 manage ment tools.
Tink connects to more than 3,400 banks that reach over 250 million bank customers across Europe. Founded in 2012 in Stockholm, Tink became a whol ly owned subsidiary of Visa in 2022. www.tink.com
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.
Transfer1 S.A., created early 2022, is currently applying at the NBB for an EMI, AISP and PISP license.
Its mission is to provide to all companies, operating legally and in compliance with the prevailing regulations, access to quality financial services essential to their activities. Its values are seamless, passion, openness, and transparency.
Its first solution will consist of an e-Money payment account connected to the SEPA Instant scheme.
Founded in 2016, Treezor is a Payment and Electronic Money Institution authorized to oper ate in 25 countries and a key member of international card networks.
Acquired in 2019 by Societe Generale, Treezor is the Euro pean BaaS leader present in France, Germany, Benelux, Italy and Spain. Its embedded finance solution enables companies to seamlessly embed white-label payments via API into their offer by outsourcing the tech, security and regulatory aspects to an in ternational team of experts.
www.topcompare.be
Transfer1 expects to be fully op erational end Q3 2023.
www.transfer1.com
www.treezor.com/en
Changes are coming our way at lightning speed. Organisa tions that want to be relevant tomorrow must anticipate. Tren sition developed an AI-driven strategic intelligence platform, Trendtracker, that supports organisations in taking better informed strategic decisions by continuously monitoring key trends.
Thanks to Trendtracker, deci sion-makers automatically de tect opportunities that others miss. The result? Savings in time, money and effort while knowing when and how to act with confidence.
www.trensition.eu
Tricount is a world leader in ex pense sharing applications (ac counts between friends) availa ble on IOS, Android and online. We help friends and couples manage their joint expenses in a simple, friendly and transpar ent way. Each person invited to a “tricount” can add their own expenses and Tricount allows you to track and display the bal ance of expenses at any time. Tricount then offers the most effective way to reimburse.
www.tricount.com
TrustableBridge is a Dutchbased B2B2C Platform as a Service fintech provider of credit and risk management tools.Our mission is to bridge the gap be tween financial and non-financial sectors and enable widespread access to uncommon experienc es through trust and transparen cy.Our process is seamless, fast (less than 30 sec), and reliable (GDPR compliant).We leverage technologies made possible by open banking and other chan nels to provide a comprehensive risk assessment journey.
www.trustablebridge.com
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.
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
www.trustbuilder.com
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Unifiedpost Group makes busi ness easy and smart by build ing strong digital connections between businesses, customers and suppliers. Our cloud-based open network promotes collab oration, e-invoicing, document exchange, payments and cash flow optimisation. The network equips verified participants with the tools to digitalise and automate business processes including order-to-cash and pro cure-to-pay processes. Creating data-driven services for us and our partners to help organisa tions grow.
www.unifiedpost.com
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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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
As part of our purpose to up lift everyone, everywhere by being the best way to pay and be paid, Visa collaborates with Fintechs, by delivering payment solutions and making life better for consumers, businesses and communities. At Visa, we main tain an open network between partners, clients and Fintechs to ensure innovation flourishes and remains unhindered. As the world becomes ever more digitalized, Visa is committed to help reshape the future of com merce. To know more, meet us at our Visa booth. www.Visa.be
Waow is the real payment inno 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
Let’s turn a bank card into a Win Forever for Everyone! (Waow is powered by MPS nv).
Weavr enables digital innova tors in non-financial verticals to add embedded finance services seamlessly in their applications via our unique range of Financial Plug-ins. Innovators can achieve results faster, easier, and more cost effectively than if they at tempted to compile their own non-standard fixes around the many areas often left unsolved by BaaS offerings.
By making embedded finance results achievable for a far wider range of digital disruptors, we are helping drive a new wave of expansion in the frontiers of em bedded finance innovation.
www.waow.be
www.weavr.io
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’s vision is to leverage the power of machine learning to let financial institutions have access to more transparent data about environmental, social and governance (ESG) matters. To achieve that goal, we created three main products: ESG Media Screening Platform, ESG Media Screening Reports and ESG Re porting Platform. In real-time, for a universe of 25k compa nies, Wequity monitors 80k+ news networks and social media while providing a range of data insights. www.wequity.app
At Woltix, we believe that client centricity is key for wealth man agement professionals. Thus, a customer’s trusted adviser should spend less time on build ing portfolio analysis reports, and more time on building rela tionships with the client.
Woltix helps with portfolio analy sis automation and builds beau tiful reports that include perfor mance, concentration, and risk analysis for a given portfolio - all delivered via a cloud-ready API. www.woltix.com
We are Yago, a scale-up in In surtech that has already raised €6M in the last few years. Yago is revolutionising the experience users have with insurance and financial services. Thanks to our digital platform and exceptional customer service (NPS>80% in 2022), we simplify the purchase and management of insurance and financial products. Yago is your trusted guide, by your side through the best and worst of times, when you have to make any type of insurance claim.
With a turnover that multiplied by 9 in 3 years, Yago is in a hy per-growth phase and aims to grow 10 fold in the next 4 years. To accompany this growth, we will double the size of our teams to reach 100 employees.
www.yago.be
The growing dependency and complexity of models, and the heightened regulatory scrutiny have resulted in new challenges for financial institutions to man age their exposure to model risk. To support effective Model Risk Management (MRM), Yields.io developed the Chiron Platform, an award-winning and configur able solution to automate model validation, generate regulatory compliant documentation, and centrally manage MRM process es. Yields’ technology is used by both global tier 1 and regional banks.
www.yields.io
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
Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible.
Using secure data and networks, partnerships and passion, our innova tions and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.
www.mastercard.be
As part of Visa’s purpose to uplift everyone, everywhere by being to be the best way to pay and be paid, Visa collaborates with Fintechs in several ways. We support them, partner with them and invest in them because we believe that by working together we can deliver the next generation of payment solutions. Ultimately this next generation of solutions will make life better for consum ers, businesses and communities.
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 becomes ever more connected and digitalized, Visa ded icates its brand, products, people, network and scale to help reshape the future of commerce. If you want to know more about how we could collaborate, come and meet us at our Visa booth.
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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 interlocu tor and spokesperson for policymakers, regulators, professional federa tions and interest groups.
We collaborate with various public institutions 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. www.febelfin.be
Credendo’s innovation vehicle, AREA42, uses TradeTech to solve real B2B trade problems. TradeTech is a new indus try leveraging technology to address the $1.7 trillion trade finance gap by improving the trade of goods and services and creating a fluid, risk-savvy trade environment.
First, AREA42’s projects are aimed at smoothing out and speeding up trade. An example is disrupting B2B marketplaces with TERMS.tech, our white label BNPL solution.
Second, AREA42 shares its expertise to support the wider trade com munity. Its 2022 white paper, ‘Cyber-physical systems x Blockchain for Trade’, demonstrates the benefits of blockchain in cyber-physical sys tems, a maturity assessment of the combination, use cases, and a payas-you-go insurance tutorial.
With our partners (World Economic Forum, Fintech Belgium, La Place Fintech, and more!) we tackle issues far too complex to fix alone. AREA42 has also formed its own inclusive global TradeTech community, which is open to all TradeTech enthusiasts looking to expand their net work and solve the trade industry’s challenges.
Together, let’s make trade future-proof - www.area42.tech
DigitalKYC is a comprehensive KYC orchestration platform for automated integration, tracking and remedia tion of individuals and legal entities with their benefi cial owners. It includes KYC data collection, customer identity verification, AML /CTF / Sanctions checks, en hanced due diligence, risk scoring and more...
DigitalKYC is a solution offered to the BtoB market by Telindus, the En terprise Business unit of Proximus Luxembourg.
Created in January 2019, Proximus Luxembourg SA brings together the Tango, Telindus and Codit brands under one umbrella and employs over 750 people. The three brands operate jointly to participate in the devel opment of telecommunications infrastructure and ICT services in Lux embourg. It also supports Luxembourg start-ups through its investment in the Digital Tech Fund and its participation in the Luxembourg House of Financial Technologies. www.digitalkyc.telindus.lu
KBC is a group of 41 000 talented colleagues from different countries, who share a common corporate culture. That corporate culture is the fertile ground for our strategy, which in turn is based on four basic principles that rein force each other:
• We want to provide our customers with a unique bank-insurance plus experience.
• We take a long-term view of our Group’s development in order to achieve sustainable and profitable growth.
• Our customer is at the centre of everything we do, we always offer them a quality service and relevant solutions.
• We take our responsibility towards society and local economies seriously, and this is reflected in our daily activities.
KBC is successfully managing continuous digital transformation: award-winning frequently used mobile apps (e.g., 1,7million unique us ers in Belgium), broadening distribution in the app beyond banking and insurance, a ‘growing’ AI-driven digital assistant Kate that is changing the interaction with clients,…Put differently, KBC ‘moves together’ with its clients.
As part of its digital strategy, KBC makes its outperforming in-house skills, tools, IP,... available towards competitors and fintechs:
• DiscAI is KBC’s independent subsidiary for the commercialisation of its innovative AI applications. With this Bank/Insurance-as-a-Service, Discai wants to share its award-winning technology with other organ isations so they can focus on their core business.
• EveryoneInvested is the wealth tech spin-off of KBC, helping other financial institutions to increase the business value of their digital distribution channels with its behavioural technology.
Next to that, KBC is creating bank-insurance plus ecosystems:
• Start it @KBC is the largest startup ecosystem in Belgium, made up of hundreds of startups, scaleups, mentors and experts.
• With its third party services, KBC continues to actively seek out part ners to unburden clients (save time and money) and/or enhance its role in society.
Want to know more? Join us at our booth!
www.kbc.com
AiVidens assists finance departments in strategic deci sion-making to solve customer payment issues.
Our solution applies Artificial Intelligence to your business data to pre dict your customer’s payment behaviors and risk profiles and let you prioritize your team’s debt collection accordingly. You can implement the most efficient collection strategy based on the context and needs of the company. Unpaid amounts are reduced, cash forecasting is more accurate.
Your teams gain in proactivity, focus and customer satisfaction. www.aividens.com
Efficy has the CRM and Marketing Automation tools that you need, and they are 100% European!
Our solutions are flexible, open, customisable, collaborative, and further more GDPR compliant.
From start-ups to SMEs and enterprises, we give you full support and adapt our solution to the needs of your B2B or B2C business.
With Efficy, turn your data into customer insight. Get a 360º view of your customers and offer them a personalised omni-channel experience. Belfius, Wilink, Vandebra, Europ Assistance, Gatsby & White and many others already rely on our solutions www.efficy.com
Belgian
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
We build trust between companies and their customers, employees and business partners who participate in digital ecosystems.
We help our customers improve their digital maturity to gain new cus tomers, increase customer engagement, grow revenue and reduce costs. Our end-to-end Identity and Access Management solution builds the bridge between cybersecurity and user experience throughout the complete customer journey. As a European company privacy is embed ded in our fully compliant solution.
www.TrustBuilder.com
Building trust between companies and individuals in digital ecosystems
part of the Country Pavilion of LHoFT
BoardiGO is a web and mobile platform aimed at corporate sec retaries. It’s a productivity tool supporting the management of board workflows in a technolog ically and legally secured manner (eIDAS signature included).
www.boardigo.com
part of the Country Pavilion of LHoFT
CYBAVO is a cybersecurity company offering digital as set custody and management solutions for enterprises and financial institutions. CYBAVO key management technology solves the problem of having to choose between secure and flexible solutions faced by vir tual assets service providers, by offering solutions that are secure, business ready, insured and compliant.
part of the Country Pavilion of LHoFT
Finqware is building one of the first enterprise open banking platforms in the world. Our mis sion is to put open banking and PSD2 regulation at work, lever aging its benefits for business processes automation.
part of the Country Pavilion of LHoFT
part of the Country Pavilion of LHoFT
Divizend is the leading internation al wealth-tax FinTech platform for the fastest way to reclaim foreign dividend withholding taxes. Entire ly on API and cloud-based. www.divizend.com
www.cybavo.com
Our vision is to turn open bank ing and APIs into the preferred bank connectivity solution for any size of business, relying on our own infrastructure for APIs aggregation.
Lingua Custodia is a Fintech company leader in Natural Language Processing (NLP) for Finance. It was created in 2011 to initially offer special ised machine translation.Its cutting-edge technology has been regularly rewarded and recognised by both the industry and clients: Investment houses, custody, investment banks or private banks.
www.linguacustodia.finance
Finqware’s home market is the entire EU space.
www.finqware.com
Founded in 2006, Amexio is today the FIRST EUROPEAN ECM/CCM IN TEGRATOR.
Content services are now at the heart of the inexorable digital transfor mation of businesses. At Amexio, we propose selective and qualitative ECM/CCM experts.
Amexio plans and stays always ahead market challenges, providing our customers growing and changing needs, a 360° end-to-end support, helped by innovation and latest technologies.
Amexio masters complex implementation projects to push forward your ECM and CCM solutions. - www.amexio.lu
Approach is a pure-play cyber security and privacy firm. For more than 20 years, we’ve helped our clients deal with cyber-attacks & breaches. We offer 360° solutions to improve your cyber resilience: anticipate, pre vent, protect, detect, respond & recover.
We provide tailored services: consulting & audits, training & awareness, security technology implementation & development, and Managed Se curity Services thanks to our Security Operations Centre (SOC).
www.approach.be
Combined with CyberRes’ innovative security solutions, customers can rest assured that their applications are developed & tested throughout the Secure SDLC stages and their data will be safeguarded across all environ ments with data centric security innovation.
CyberRes is a Micro Focus line of business. We bring the expertise of one of the world’s largest security portfolios to help our customers navigate the changing threat landscape by building both cyber and business resil iency within their teams and organizations.!
www.cyberres.com
With offices in Milan and Brussels, Arkadia Translations has been of fering translation services to international companies pursuing global content strategies and implementing multi-language projects for more than 20 years.
Our core business is the translation of financial statements, as well as banking and legal documents, and leading companies and financial in stitutions such as Intesa Sanpaolo, Cassa Depositi e Prestiti, BNP Pari bas and BNY Mellon have trusted our company to face their challenges www.arkadiatranslations.com/en
b.fine is a young and dynamic RegTech scale-up whose mission is to innovate the regulatory reporting processes 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 our regulatory platform called b.rx. www.b-fine.eu
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
Basikon is a SaaS designed by financing experts with cutting edge technology. Its architecture revolutionizes the way financial institutions collaborate with partners and customers to manage any king of loans, leases, guarantees, and wholesales financing. Basikon Hyperfront pro vides absolute flexibility for seamless customer and partner journeys, back-office automation, and unleashes financing innovation. Basikon ensures the security, scalability, and simplicity to accelerate business growth.
www.basikon.com
ImmoParse is a proptech company whose mission is to make the real estate market more transparent for real estate professionals, banks, in surers, governments and citizens. Belmap is GIM’s 3D digital version of the living environment, offering complete insights into buildings, ad dresses and related features in the Benelux.
ImmoParse’s Automated Valuation Model allows banks to automate and optimise property valuations of residential real estate. This EBA-com pliant model uses high-quality property data from Belmap to generate property valuations, including the market value and a reliability indicator. The end result: a clear and transparent report, automatically signed by an accredited surveyor. www.belmap.be www.immoparse.be
BYRSSA is a trusted European digital execution platform for SAFE based seed funding and Security Token Offering. It is being built by the found ers of Drebbel Technology , a well established lead-generation, sales and account management company with a focus on financial technology and the finance sector. Byrssa’s mission is to make seed funding in Eu rope easy, fast and efficient. The Byrssa Fintech Market provides a plat form for research, discovery, outreach, matching and lastly deal making between early stage start-ups and professional investors. Thanks to the use of Simple Agreements for Future Equity, the administrative and legal burden is reduced to an absolute minimum whilst the interests of found ers (dilution) and investors (financial) are maximally protected.
Datavillage enables organizations to generate new insights through ze ro-trust collaboration. Organizations have access to other parties’ sen sitive data while confidentiality and integrity of data and algorithms are guaranteed.
Organizations and individuals can share data without fear of it being misused or losing their competitive advantage. Datavillage’s privacy-pre serving data collaboration platform automates trusted and transparent data collaboration. It’s about sharing without showing. www.datavillage.me
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.
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
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
Greenomy is a SaaS that helps corporates, credit institutions & asset managers comply with the new EU Sustainable Finance Regulations (EU Taxonomy, SFDR, NFRD/CSRD) by digitalizing the data capturing & reporting process. Our solution establishes a sustainability data & ana lytics ecosystem that connects all stakeholders & facilitates the redirec tion of funds towards sustainable initiatives. We are integrating other Green Taxonomies to offer stakeholders a one-stop solution for their global operations.
www.greenomy.io
Ibanity by Isabel Group is the most efficient, secure and develop er-friendly API aggregator for open banking and finance services. Using Ibanity, fintech companies can connect their customers bank accounts and payments to over 1,800 European banks in a matter of minutes. Always in line with PSD2 regulations, Ibanity ensures seamless inte grations, reliable API connections, and an expert tech team available to assist you.
Sign-up and create new open banking services without effort!
www.ibanity.com
An unbeatable combination of talent, innovation and research has fuelled the growth of Northern Ireland’s financial technology sector.
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 NI is the region’s economic agency, helping companies to com pete internationally and attracting inward investment.
www.investni.com/international-business
Easily access account and transaction data directly from your user’s bank accounts
Open Banking APIs ibanity.com
An inclusive society needs a trusted identity
Capturing the right data from your client in 1 click, providing a safe pass wordless login, securing a strong customer authentication or getting a document signed in the blink of an eye. itsme® offers a strong solution for all your business identity and signature needs.
Improve the digital experience of your clients by integrating itsme® and make your business grow. www.itsme-ID.com
Built on compliance and driven by innovation, Open Finance pioneer LUXHUB takes an active part in the transformation of the financial ser vices industry, by facilitating the exchange, collaboration, and value cre ation between all players.
Through its unique solutions and by leveraging its AISP and PISP li censes, the fintech aims at helping all companies take full advantage of arising digital opportunities and therefore provide end-customers with innovative services and intuitive experiences.
www.luxhub.com
Monizze is a Belgian FinTech that maximizes people’s purchasing pow er with simple digital solutions. With inflation on the rise, the looming threat of a global recession, and people’s need for more flexibility, com panies of all sizes are rethinking their HR and compensation policies. That’s where Monizze comes in. We take your regular extra-legal ad vantages and package them into simple, no-nonsense solutions: zero administrative burdens, a ton of value, and no bullshit.
www.monizze.be
Netcetera is a global software company with cutting-edge IT products and individual digital solutions. More than 2,500 banks and issuers, and 160,000 merchants rely on their digital payment solutions and globally certified 3-D Secure products. Founded in 1996, Netcetera has 800 em ployees across Europe, Asia and the Middle East.
www.netcetera.com
OneStream Software provides a market-leading intelligent finance plat form that reduces the complexity of financial operations. OneStream unleashes the power of finance by unifying corporate performance management (CPM) processes such as planning, financial close & con solidation, reporting and analytics through a single, extensible solution. We empower the enterprise with financial and operational insights to support faster and more informed decision-making. All in a cloud plat form designed to continually evolve and scale with your organization.
www.onestreamsoftware.com
Paynovate offers our professional customers a complete end-to-end service allowing them to take charge of their funds flow easily, efficient ly, and securely. Our customers can benefit from simple payments (ter minal and e-commerce), transparent acquiring, IBAN accounts licensed by the National Bank of Belgium to receive their acquired funds, and prepaid cards to enable seamless expenses.
www.paynovate.com
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.
www.rock.estate
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 commer cial approach thanks to excellent connections with the financial ecosys tem and the regulators.
Simont Braun assists FinTech service providers in all their regulatory, legal, data and compliance 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 Bel gian market. We are keen on building long-term relationships with all our clients.
Do you wish to tell us more about your project? Are you looking for gen eral information? Do you have specific questions? Our team is here and happy to discuss!
www.simontbraun.eu
SOPIAD is the independent provider of client-centric investment portfo lio diagnostic that simplifies non-professional investors decisions while comforting their financial well-being and alignment with their personal values.
Grounded on years of academic research and guided by seasoned wealth management and academic experts, we help financial intermedi aries personalize the investing experience.
www.sopiad.com
Founded in 2016, Treezor is a Payment and Electronic Money Institution authorized to operate in 25 countries and a key member of internation al card networks. Acquired in 2019 by Societe Generale, Treezor is the European BaaS leader present in France, Germany, Benelux, Italy and Spain. Its embedded finance solution enables companies to seamlessly add white-label payments via API to their offer by outsourcing the tech, security and regulatory aspects to an international team of experts.
www.treezor.com
‘Learning, key for evolution’, that is what we truly believe in at Febelfin Academy. We assist financial professionals in developing their knowledge and skills, preparing them for every next step in their career.
Febelfin Academy provides financial train ing from basic to expert level with a focus on job-specific skills. We offer impactful hybrid learning journeys through a combi nation of learning formats, from practical workshops, coaching to e-learning, webi nars and assessments. www.febelfin-academy.be
Sirris is the trusted companion of all Bel gian companies with an appetite for tech nological innovation. Simply put, we help companies realise their innovation ambi tions with hands-on support. This includes access to qualified multidisciplinary teams, partners and ecosystems, a broad set of in dustrial labs and tons of specialised inspi ration. Also looking to reap the benefits of technological innovation? www.sirris.be
TIMELEX is a law firm specialised in IT, pri vacy & data protection, IP, media and digital finance/fintech. We have a strong focus on (mobile) payment services, license appli cations, cloud, AML, privacy and data pro tection, contracting, cybersecurity, crypto, NFT. Timelex is recommended by clients and peers in the international legal guides Chambers and Legal 500. Partner Edwin Jacobs is a co-founder of the international FinTech Lawyers Network. www.timelex.eu
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.
Visit.brussels 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
The Digital Finance Summit offers you the best networking opportunities in Belgium in our industry. Check out all the great tools and possibilities for you to make the most of it!
DOWNLOAD THE “BIZZABO” MOBILE APP and turn your notifications “on” to receive the real-time messages!
IN THE COMMUNITY TOOL, search, contact, invite other participants and speakers of the event! Fill in your calendar with useful meetings.
During the breaks, enjoy informal and cosy sessions with different speak ers of the DFS in our “Meet the Speakers” Café, the perfect occasion to ask all the burning questions you have in mind for these inspiring experts. VERY limited number of participants! First come, first served!
Make the most of your event with private one-on-one messaging, ro bust attendee profiles, and social media integrations.
Receive important notifications during the event. Access your tickets, the agenda, and other important information about the DFS on your mobile.
Before the event starts, see who else is attending, mark leads and set up meetings.
Download the app, enter your email used for registration, use your ticket number, keep the notifications “on” and you are all set for the full experience.
In 2022, we thought the end of the pandem ic would lead to a calm and prosperous peri od. And yet, the uncertainties continue.
How does digital finance contribute to increasing the flexibility and adaptability of our economies? How can we make our society more resilient learning from our challenging past to prepare for the future and be ready to face whichever shock comes next?
Our inspiring and curated lineup of speakers will share with us their visions on this evolution, the latest devel opments and their solutions to help us adapt to this con stantly changing world.
8:30 Welcome by Toon VANAGT Fintech Belgium
8:40 Opening by Jean-Louis VAN HOUWE FinTech Belgium/ Monizze-Up and Karel BAERT Febelfin
8:50 Opening keynote by Thomas DERMINE Belgian State Secretary for Recovery Program
9:00 Opening keynote by Audrey CHABIN VISA
SPEAKERS
VAN HOUWE
Chairman of FinTech Belgium & CEO of Monizze-Up
State Secretary for Recovery Program and Strategic Investments Belgian Federal Government
Audrey CHABIN
Head of Business Development France & Belux Visa
BAERT
CEO Febelfin
Board member at FinTech Belgium and Managing Partner at Data.be
Open banking is not enough !
Open finance is not enough !
The market is ready to evolve and move beyond open banking and open finance. Europe, and Belgium, have to catch-up and align with the pack leaders.
Mixing financial and non-financial data will allow our economy to devel op new tools, services and analysis, thus creating a strong added value for customers, companies and public services alike.
Let’s discover the latest evolution and trends of open data in finance and how our industry is well-positioned to lead other markets towards open data economies.
Less than a year ago, the economy was restarting strongly and full of hope as everyone was leaving the Covid era behind. However, the war in Ukraine and the inflation that followed shortly after didn’t leave us a minute to breathe between crises.
Considering the high rhythm at which these crises are happening, and the prospect of more to come, developing survival techniques is no longer enough, it is now more crucial than ever for our society to be resilient at the core.
Unquestionably, the Covid-crisis accelerated digitalisation, and digital finance has become a greater part of the solutions needed to tackle the challenges our society was facing. Let’s explore, with a great line-up of experts, how digital finance is playing this role again and how it will help our society to become structurally more resilient.
14:00 - 14:25
Opening keynote by Minister Mathieu Michel, Belgian state secretary for the digital agenda
Opening keynote by Henri Dewaerheijd, mastercard BeLux
SPEAKERS
State secretary for the digital agenda Belgian Federal Government
General Manager BeLux Mastercard
Board member at FinTech Belgium and Managing Partner at Data.be
Thanks to the awareness & engagement of a great part of our society, the new EU ESG regulation and pressing demand of the cli ents, the financial industry made a lot of ef forts to improve their environmental, social and governance policies. While ESG may be seen as a new constraint, it will undeniably help to build a more resilient society, espe cially in the context of global warming.
How to differentiate real willingness from simple ESGwashing? How will digital fi nance help our industry to pursue this evo lution? Will the financial crisis change the priorities of the clients even further?
From global analysis to concrete cases and testimonials, our experts will try to answer these questions and help us better under stand the current ESG challenges and its possible evolution in the near future.
How to embrace the latest technological evolution? How will these developments bring an added value to our society?
We will start answering these questions by throwing some light on the link between metaverse and digital finance and how this will create new opportunities. Our journey will lead us to see how blockchain is cur rently shaping our industry. And how com panies embrace the latest technological innovations…
New technologies undoubtedly impose a fast transformation rhythm. How to stay up to date with it? Come and get inspired by our speakers who will share their expe rience and knowledge to help us keep the pace.
Awards Ceremony for the European Fin Tech Pitch Battle
9:15 - 10:30
1st session
(5 min pitch + 5 min Q&A)
Fundvis S.A.
Livret P.
Quota Rent
CryptoMate
Byrssa
- 12:30
2nd session
Introduction
(5 min pitch + 5 min Q&A)
Karbonalpha
Curvo
Metamaze
Oxari
Five Degrees Neo
MODERATOR
Introduction
Pitches (5 min pitch + 5 min Q&A)
Aividens
DIVIZEND
Oper Credits
SLVRCLD
DirectID 15:50 - 17:05
Introduction
Pitches (5 min pitch + 5 min Q&A)
Finqware
InvestSuite
b.fine
ipaidthat
AQRisk
CEO & Co-Founder
Lawyer
Simont Braun
available in thePitch sessions in theagenda
Stan JEANTY
Xavier HUERRE
Fintech
How cryptocurrencies and CBDC (Central Bank Digital Currencies) will participate in improving the resilience of our society. Our speakers will share the latest trends and what we may expect in the near future.
Data is not enough. We need technology to use the available data to build new products and services. Our speakers will explain how they use technology to create added value. This roundtable is not for technicians but for participants who want to know the last evolution in technology and its impact on digital finance.
In Digital Finance, Open Data is far beyond open banking. In our in dustry, we are witnessing a rapid evolution in the use of data. Our speakers will explain their usage of open data, what they saw as the last trends, and what they see coming.
Between the pressure of the clients and the regulation’s requirements, the financial industry must adapt itself quickly. Our speakers will share how they are tackling those new challenges, through their own experience or an approach they invented.
The objective of this classroom is:
• To clarify the consequences of the crisis and the current economic situation;
• To explain how the new European financial legislation is drafted and why it came into force;
• To illustrate the current relations of the European member states between themselves and vis-à-vis the outside world;
• To reveal the challenges and risks for the future of Europe.
POINTS : 1 bank + 1 insurance + 1 credits
Our speakers will answer your questions about how to strike the best balance between high security and low user friction. They will also share with you the latest threats and deflections.
DeFi platforms allow savings, loans, insurance and many other financial transactions to be performed anywhere, anytime. All that is required is an internet connection that provides access to the decentralised applications.
Objectives :
• Understand the building blocks and ecosystem of DeFi;
• Discover the uses cases of DeFi: lending, borrowing, stablecoins, decentralised exchanges, etc;
• How to use the DeFI applications.
POINTS : 1 bank + 1 insurance + 1 credits
Our speakers from European institutions and the European Digital Finance Association will interact with the audience to understand how embracing European Regulation can benefit your business.
After an inspiring day of conference, join the DFS Resilience party, the most attended Belgian networking evening in Digital Finance. 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.
POWERED BY
Visa
world stage.
