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The European Digital Finance Association

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 consumers and businesses.

Our Objectives are...

To be a network catalyst of collaboration between EU ecosystems,

To represent the Digital Finance players at a European level to

Promote EU Single Market for Digital Finance Services,

Ensure prosperity by increasing the competitiveness of European companies

Help make an innovation-friendly regulatory framework,

Build an open data infrastructure, which facilitates the creation of new products

Financial technology will also aid the European economic recovery post covid-19 as digital solutions can enhance access to finance for consumers and businesses and ultimately improve their financial well-being..

CURRENT MEMBERS

FINTECH BELGIUM MEMBERS

Abbove

Abbove is a wealthtech company developing a collaborative wealth planning platform (previously PaxFamilia) that unites financial advisors, their clients, wealth data and technology in one place.

To help financial advisors strengthen families over generations, Abbove’s solution supports their wealth management activities.

In short, Abbove’s solution can be considered as a comprehensive and collaborative wealth planning platform that focuses on improving both advisor efficiency and client experience.

www.abbove.com

Adyen

Adyen (AMS: ADYEN) is the financial technology platform of choice for leading companies.

By providing end-to-end payments 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, Maison Dandoy & Deliverect.

www.adyen.com/en

Aguilonius

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

Fast and easy solutions for Prudential reporting to the National Bank of Belgium, Central Access Point reporting, AnaCredit reporting embedded in BECRIS and readiness for the emerging Integrated Reporting Framework (IReF) requirements. Aguilonius is also active in next-gen Better Legislation processes with Machine Learning initiatives based on NLP techniques.

www.aguilonius.com

AiVidens

AiVidens is the only financial SaaS solution that applies Artificial Intelligence to your business data to turn your receivable into cash.

Our AI-native solution helps B2B enterprises predict, segment and fix customer payment issues. Our customers use it daily to reduce their financial risks, improve their working capital, prioritize debt collection efforts and optimize the collection process

www.aividens.com

Alma

Alma, a leading BNPL actor, provides solutions to merchants across Europe willing to increase their turnover (up to +20%) and to optimize their customers’ UX. Its plug-and-play services, approved by the French regulator, are omnichannel (retail, e-commerce, Bancontact...) and have already been adopted by 4500 merchants and 1M clients (as of Sept. 2021). With Alma the customers pay later, allowing them to better handle their budget, while merchants get paid right away and don’t bear any risk.

www.getalma.eu

Area42

Credendo’s innovation vehicle, AREA42, uses TradeTech to solve real B2B trade problems. TradeTech is a new industry leveraging technology to improve the trade of goods and services and create a fluid, risk-savvy trade environment. An example: AREA42 disrupts B2B marketplaces with TERMS.tech, our white label BNPL solution.

With our partners (World Economic 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

Art4Climate

We plan to offer in 2022 a disruptive 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

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

Bancontact Payconiq Company

Our payment habits are changing fast. Technological innovations succeed 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 continues to evolve the means of payment, helps companies to grow, and improves people’s general shopping experience.

www.bancontactpayconiq.com

Bankable

Bankable provides a payments and digital banking platform and ecosystem. Its infrastructure enables financial institutions, corporates, and fintechs to launch or integrate real-time/cross-border payments, e-wallets, virtual accounts, and card programs.

The technology (white-label or via APIs) is agnostic to clients’ use case, geography, and existing IT landscape.

www.bnkbl.com

Banking SDK

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

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 provides 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

Belmoney Transfert

We are payment institution handling thousands of transactions each day, empowering forward-thinking payment platforms, mobile wallets and remittance companies. Belmoney offers the most competitive foreign exchange rates and a lowcost and efficient platform for banks and money services businesses to support payment and remittance services. Belmoney makes transfers and payments faster and easier.

www.belmoney.be

Global Payment Services

BIT4YOU

bit4you is very proud to be the first crypto exchange operating from Belgium at European level. At bit4you, we work continuously to comply with all existing regulations and strive to be in line with all anti-money laundering and terrorism financing processes. We are convinced that creating a safe environment for our customers, is the key to the future of our business.

www.bit4you.io

Bizzy

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 interested in. We work hard so you don’t have to!

www.bizzy.org

Blanco Services

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 Platform that saves time and money by automating the entire wealth management cycle, including the KYC process, in a responsible and honest way.

We are Blanco. Your invisible force in WealthTech

www.blanco.services/nl/

bonsai

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 initiatives. 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

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 Services, Marketplace Split-Payments and Credit Management. More than 15,000 companies in the Benelux, including corporates and webshops, as well as platform partners are using Buckaroo’s payment technology.

www.buckaroo.eu

Buy Way

Buy Way is the undisputed leader in financing solutions at points of sales and for e-commerce. It also offers credit solutions to clients active in financial services.

It proposes transparent and fluent financing solutions, innovative products to optimise the purchase experience, personalize the service to each client and retailer. The company disrupts the consumer finance industry with a fully digital intuitive solution, at points of sale and e-commerce..

www.buyway.be

Capitana

Capitana App is a female-first smart advisor for mindful investing - 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 management, financial education and coaching all in one place, allowing 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

cashplanner

Cashplannr BV is a legal Belgian entity, helping entrepreneurs take better financial decisions.

www.cashplannr.com

cinvio

cinvio is your Antwerp based technology and community partner with a payment and invoicing platform to boost online sales in the B2B logistics industry; digitally 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 provides visibility, voice, value… and financial peace of mind.

www.cinvio.com

contract.fit

Contract.fit allows financial service institutions to save time and money by automating cognitive tasks such as classification, extraction, and validation of data from any documents.

Typical use cases:

• Invoice, Accounts Payable and P2P Automation • Email Routing • Claims Handling

Our self-learning algorithms allow us to learn and improve results over time. We are currently working with some of the largest financial institutions in the BENELUX and expanding to the rest of the European Union.

www.contract.fit

Creditsafe

Creditsafe, the Global Business Intelligence Experts, changing the way you do business.

More than 115.000 customers & 500.000 users worlwide use our solutions to support and optimise their risk- and credit management, workflows and strategic business decisions. As the most widely used provider of business and credit information & 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

Cryptomium Terminal lets you understand what is happening to Bitcoin and other cryptocurrencies at anytime.

Get the narrative behind market events.

www.cryptomium.co

Curvo

Curvo improves the financial well-being of the next generation 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 interest rates are eaten away by inflation. They believe investing in the global economy is the solution, but investing well is very difficult.

Curvo solves all the complexities, and it is the easiest way to prepare for the future.

www.curvo.eu

Data.be

Data.be structures and enriches official business info from authentic sources. Our APIs and SaaS-tools enable banks/ FinTechs to speed up digital onboarding, credit decisions, background checks and compliance procedures (KYC/KYB/ UBO/AML).

Our screening solutions automate compliance processes and offer better insights on counter parties. Test our pre-fill platform, alerts and checkers for Mandates, B2B Bank Accounts and VAT links. Use data.be to improve your compliance efficiency and risk mitigation.

www.data.be

Datavillage

Huge amounts of data are collected, duplicated and kept quiet in organizational silos. Datavillage’s value proposition is to enable organizations to process sensitive and personal information 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 advantage.

www.datavillage.me

Digiteal

Get paid faster, more regularly and at a lower cost!

Digiteal accelerates its clients’ digital transformation and optimizes their cash flow through a range of innovative payment technologies, from payment QR Code to split payment solutions for marketplaces.

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

REINVENTING INVOICING AND PAYMENT

DigiTribe

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 mindset 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

Discai empowers financial service providers to fully focus on their core business.

It sets new standards with innovative AI-based solutions in a banking-as-a-service model, offering 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.

www.discai.com

DocByte

From banks and insurers to anyone who is confronted with regulatory requirements, we help digitize the paper trail and automate all your business processes from first contact to signed contract.

Our mission is to be one of the main providers of digital information management solutions for large organizations. We enable growth in digital operations, enhance the efficiency of our customers’ business processes, improve quality, increase productivity and add focus to the organization’s core purpose.

www.docbyte.com

Drebbel Technology

BYRSSA is a trusted European digital execution platform for SAFE based (pre-) seed funding and priced funding rounds through Security Token Offering. It facilitates the fast, simple, secure and legally compliant fund raising in EU.

Byrssa is an enterprise made possible by Drebbel Technology Brokers, the specialist in financial technology sales.

www.drebbel.eu

Econodigital

Econodigital develops B2B automated investment solutions that help wealth managers and private banks attract new customers by focusing on the rapidly evolving needs of today’s mass affluent customers.

www.econodigital.be

Edebex

Edebex, a Belgium-based fintech founded in 2013, created an innovative 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 flexible 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 liquidity and an interesting return.

www.edebex.com

Edenred

Edenred is a leading services and payments platform and the everyday companion for people at work in 46 countries. In Belgium, Edenred offers specific-purpose payment solutions for food (Ticket Restaurant), ecological purchases (Ticket EcoCheque), rewards (Ticket Compliments, Ticket Sport & Culture, Ekivita Edenred, Accentiv’), mobility (Mobility Edenred) and public sector solutions. These solutions enhance employee well-being and purchasing power.

www.edenred.be

Elmore Services

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, business interruption, supply chain failure and reputational harm damage.

www.elmorebrokers.com

ElysianNXT

ElysianNxt is a fast-growing Regtech company focused on developing the most technologically advanced, user-friendly, real-time Risk and Finance solutions. By adopting the latest technologies, it enables firms to react faster, smarter and cheaper to the ever-increasing changes in global compliance (Basel III – IV Credit Risk, Liquidity Risk, Market Risk and Interest Rate Risk as well as IFRS 9). Comprised by industry veterans and subject matter experts, the company was established to provide an alternative solution to the traditional, outdated, monolithic applications that the financial industry is accustomed to.

www.elysiannxt.com

Features Analytics

Features Analytics is a leading AI technology company servicing the financial industry. With principles originated in cancer detection, the company developed eyeDES®, a unique technology, surveillance platform and solutions to identify market abuse in the financial markets, to detect fraud and money laundering, cutting significantly the cost of compliance and the impact of regulatory fines. Features Analytics collaborates with top worldwide banks, investment banks and market infrastructures.

www.features-analytics.com

Finatic

We are a Belgian FinTech company, providing high-value digital services & solutions combined with experience in digital assets, in shared public ledgers technologies and in data engineering. We’re a player in the crypto market niche, providing customers with advices and technical solutions to meet the challenges triggered by the “blockchain revolution”. FINATIC flagship solutions enable business customers to manage and process their digital assets cost-effectively, securely and reliably.

www.finatic.be

FinFlag

FinFlag, a Belgian fintech provides SaaS solutions as well as consulting services to the players in the Payments Industry.

Our B-CEPHAL is a no-code, non-invasive, flexible software solution aimed at companies involved in the electronic payment process composed of the following modules: reconciliation, billing, accounting, budgeting & forecasting, profitability management, scheme invoice monitoring and much more.

www.finflag.com

Finoryx

Finoryx is a leader in Blockchain solutions applied to Capital Markets, and is active at the crossroads of business vision and technology revolution.

With a proven track record of true Blockchain solutions delivered, Finoryx is launching Cryptody, its crypto-assets flagship program and is also representing the award winning KYCChain solution in Europe.

www.finoryx.com

Finventory

Finventory offers an automated, highly secure IT platform that provides full insight in the actual state of inventory and risk drivers for inventory-based lending.

Our solution

Finventory provides a diversified range of services:

• Automatic data processing • Daily calculation of borrowing 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.

“We transform inventory into capital”

www.finventory21.com

Fund Process

FundProcess creates SaaS Solutions and Integrated Coding Tools for Asset Managers wanting to improve the Customization 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 Equity and Compliance.

www.fundprocess.lu

Gambit

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 customer at the heart of investment advice by the use of innovative technology.We have a component and micro-services based approach for faster customization and cheaper deployment costs.

Our software is used by financial institutions in Belgium, France, Luxembourg, Switzerland and Brazil. We are continuously nurturing new talents across our offices around the world !

www.gambit-finance.com

Greenomy

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 & analytics ecosystem that connects all stakeholders & facilitates the redirection 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

Harmoney

Harmoney provides a next-generation digital platform of solutions that automates and streamlines complex onboarding and end-to-end, continuous compliance processes while delivering frictionless user experiences.

By maintaining a complete, high-quality, reusable financial passport for each individual and corporate customer, Harmoney remotely orchestrates all interactions between the front office (relationship management), the back office (compliance) and end users.

www.myharmoney.eu

Helder Lenen

Helderlenen.be is the first digital-only mortgage aggregator in Belgium, built for and by digital natives.

Our website helps homebuyers who want to finance their home by comparing their best options and removing complexity.

www.helderlenen.be

Hyarchis

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. Hyarchis 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.

www.hyarchis.com

IbanFirst

iBanFirst is a global financial services provider delivering solutions across banking borders. iBanFirst provides a specialist online platform for multicurrency transactions. As an alternative to the traditional bank offer, iBanFirst enables a payment experience and package of financial services addressing the needs of SMEs in their daily operations. Thanks to iBanFirst, financial teams can make and receive payments in any currency and hedge foreign exchange risks.

www.ibanfirst.com

Ibanity

Ibanity by Isabel Group is the most efficient, secure and developer-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 assist you. Sign-up and create new open banking services without effort!

www.ibanity.com

Immotokens

We tokenize real estate investments.

www.immotokens.be

Inconnect

InConnect offers the first integrated customer journey for managing personal safety for yourself, your loved ones and your key assets.

With our solutions you can assess your safety, reduce risks and integrate this with services and insurance.

We call this Smart Protection for Safer Living: the optimal combination of prevention and insurance 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

IndexaCapital

Indexa Capital is the leading independent automated investment manager nº 5 in Europe, now also available in french in Belgium. Indexa offers its services of index funds portfolio management with total costs and fees of 0,66% yearly on average.

The company currently manages more than 1,1 billions € of more than 44.000 customers.

www.indexacapital.com/es/esp/

Ipaidthat

iPaidThat is the only all-in-one tool for financial and accounting management for small and medium-sized businesses.

It meets all the needs of companies by collecting, analyzing and restoring financial and accounting 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/

Isabel Group

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 documents, payments and identities between all parties in the financial chain. Our experience, reliability and sense for innovation make us Belgium’s biggest fintech and the fulcrum point in the financial world. In a changing economic climate, we offer solutions and services to tackle the challenges of digitization.

www.isabelgroup.eu

It’sme

The itsme®-app offers safe online identification,strong customer authentication and qualified 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 numerous companies both private and public, itsme® offers to each citizen/client a secure and easyto-use digital identity.

www.itsme-id.com

Kennek

kennek is a B2B fintech providing lending and credit infrastructure.

We offer a unique end-to-end operating system as a SaaS. This covers middle/back-office, servicing, monitoring and investor reporting.

Our clients are lenders, credit investors and any company looking 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

Klarna

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 consumers by saving them time and money while helping them be informed and in control.

Over 400,000 global retail partners, including H&M, IKEA and Nike have integrated Klarna’s innovative technology to deliver a seamless shopping experience online and in-store. With over 5,000 employees, Klarna is active in 45 markets.

www.klarna.com/be

Koalect

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

www.koalect.com

Loyaltek

The Loyaltek Group is committed 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

Luxhub

Built on compliance and driven by innovation, Open Finance pioneer 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 digital opportunities and therefore provide end-customers with innovative services and intuitive experiences.

www.luxhub.com

Mail to Pay Belgium

Debt collection software for the most innovative companies

Automate your collection process. Thanks to Mail to Pay, set up an invoicing and follow-up process for your debtors in no time at all. The Machine Learning technology sends a highly personalised message to ensure the right communication, at the right time and via the right channel.

A smooth payment experience ensures fast collection.

www.mailtopay.be

MeDirect

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 successfully launched in September of 2013 and is developing itself as an innovative and disruptive WealthTech player on the Belgian financial market. MeDirect focuses strongly on client satisfaction.

www.medirect.be

on manual document processes.

Metamaze is able to automate classification and data extraction from any document in your company.

Loan application Claims processes

Underwriting processes Mailroom automation

Know your customer ...

Metamaze

Metamaze is an AI-driven Intelligent Document Processing SaaS platform that enables companies to automatically process, extract and structure information 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 Metamaze 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)

MGF (EU) Limited is an electronic 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 invested 10 years of development to create an AI system for monitoring ongoing risk and compliance which has over 70 different aspects to it.

www.mgfeu.be

Money Oak

MoneyOak is a Belgian company that sets out to optimise your company’s position about investing 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 sources 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.

www.moneyoak.com

Moneytrans

Moneytrans is a leading money transfer company and one of the fastest growing fintech in Europe. With more than 3.000 agencies in Europe Moneytrans serves more than 10 million customers to send money to 140 countries and 450.000 locations.

Over the years, we have widened our range of services to offer a complete solution to overseas workers: FX solutions, bill payments, prepaid cards, mobile top up and customized payment accounts in IBAN format since 2020. We are the first multichannel financial marketplace for migrant workers in Europe.

www.moneytrans.eu

Monizze

Monizze is a Belgian FinTech that maximizes people’s purchasing power with simple digital solutions. With inflation on the rise, the looming threat of a global recession, and people’s need for more flexibility, companies of all sizes are rethinking their HR and compensation policies. That’s where Monizze comes in.

We take your regular extra-legal advantages and package them into simple, no-nonsense solutions: zero administrative burdens, a ton of value, and no bullshit.

www.monizze.be

Mozzeno

mozzeno services provides lending-as-a-service solutions allowing all types of partners to propose loans to their consumer or business customers.

Use cases for partners range from extending their product offering, to enabling deferred payment options for customers. Our white label technology and our APIs allow the lending experience to be integrated directly in the online customer journey. The partners can remain focused on their business while we ensure the lending services and support.

www.mozzeno.com

MyPOS

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 solutions for over 130 000 businesses.

For its innovations in the payments industry, myPOS has won many prestigious awards such as the B2B Innovation Award from FinTech Breakthrough in 2021.

www.mypos.eu

Neterium

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 using technologies we previously designed.

Our exclusive focus is to help fintechs, banks and digital platforms perform watchlist screening through our real-time API. Screening is a regulatory obligation for two specific use-cases.

www.neterium.io

NETERIUM

NextAuth

nextAuth provides strong multi-factor authentication combined with an almost seamless user experience. nextAuth gives your users an easy solution that runs on their own mobile devices. No more passwords, no more usernames. With your branded app, users can log in, approve transactions, and sign documents using only a PIN or biometric.

nextAuth is a spin-off of KU Leuven. By leveraging state-of-theart cryptography, usability and security are no longer a tradeoff.

www.nextauth.com

Nobusoft

Nobusoft is set to revolutionise the way companies deal with operational complexity and regulation within the financial derivatives arena by bringing them an “accessible” web platform to cover all their challenges in the area of financial derivatives.

www.nobusoft.net

OkiOki

(a product of 33reasons NV)

OkiOki is the buddy for entrepreneurs who keeps their paperwork on track, makes sure they pay and are paid in time and delivers all the documents to their accountant.

Therefore, she automatically fetches all the financial documents from their mailbox and supplier portals and integrates with their bank account.

Because the only great thing about doing your financial administration, is the relief you feel when it’s done. And that’s what we call the OkiOki feeling.

www.OkiOki.be

OneSpan

OneSpan provides a single, open platform for all your security and e-signature needs. Our new Trusted Identity platform protects people, devices, and transactions from fraud, while ensuring a seamless digital experience for your customers.

This enables you to make bold advances in your digital transformation and exceed customer expectations for transacting anytime, anywhere, and on any device. This drives dramatic customer satisfaction, retention, and growth.

www.onespan.com

Osom.finance

Osom.finance is building a human-centric finance ecosystem.

Its flagship product is a safe and secure AI-powered quant crypto trading algorithm, Crypto Autopilot, generating 30%-50% proven annual return. It automatically 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 Amazon back in the late 90’s.

www.osom.finance

Paperbox

Paperbox is a Software-as-aService (SaaS) platform for endto-end claims processing in the insurance industry. We process claims, emails and letters using AI and cloud technology. Therefore, Paperbox is equipped with an intuitive human-in-the-loop interface enabling our users to work both faster and more effectively. This means that more time can be spent directly with the end customer, drastically improving customer satisfaction.

Working for leading insurance players and brokers in Belgium.

www.paperbox.ai

Pawa

Our mission is to help pets live their best life by providing bespoke, affordable and digital healthcare services, starting with insurance.

PayAdvisor

PayAdvisor : The Positive Cash Collector

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

Paynovate is a licensed e-money institution providing digital payment solutions across all EEA member states. With the power of Paynovate, we empower start-ups, SMEs, and corporations to Build Their Own Fintech with issuing, acquiring, and core banking solutions.

Paynovate is a division of Loyaltek Group: visits our website to learn more.

www.paynovate.com

POM

POM is a leading provider of user-friendly and efficient payment solutions. Organizations of all sizes can easily add QR payment codes or payment links to their outgoing invoices and reminders. A carefree and secure payment 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 reminders … and of course a touch of innovation and service towards their customers.

www.pom.be

PriceHubble

PriceHubble is a B2B proptech company that builds innovative digital solutions for the real estate industry based on property valuations and market insights. PriceHubble’s digital solutions are designed to help all players across the entire real estate value chain (banks, asset managers, developers, property managers and real estate agents).

PriceHubble is already active in 9 countries: Switzerland, France, Germany, Austria, Japan, Netherlands, Belgium, Czech Republic and Slovakia.

www.pricehubble.com

PrivateLending

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 assessment process. We help borrowers obtaining the best available rate through a transparent auction process. We employ skilled professionals with extensive financial services knowledge.

www.privatelending.be

Qover

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 people in Europe. Its long-standing partners include renowned companies such as Deliveroo, Wolt, Decathlon, Cowboy, Immoweb and many others.

www.qover.com

Recovr

Recovr is a credit management software that takes care of the whole invoice-to-cash process. From payments matching, fully customized automated workflows 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

RiskConcile develops and deploys technology for the financial industry.

With its first product “PriipsLab”, RiskConcile developed a regulatory software solution which is being used by many banks, law firms and insurance companies in the EU and the US.

www.riskconcile.com

Rise

Rise is a digital bank for teenagers to help them save, invest, grow essential money skills for life and parents to raise money-savvy teens.

www.risecard.eu

Rock.estate

Rock.estate is a data science company founded in 2017 in Brussels. We help companies better understand their customers’ homes. Through a combination of open geodata and AI, Rock.estate calculates building information such as accurate 3D models, building characteristics, market value and energy consumption.

We enable our customers to save time and make better decisions.

www.rock.estate

Sagacify

Sagacify is helping its clients reach operational excellence by developing automation solutions.

Thanks to the combination of our machine learning and software development expertises, we have been optimizing the value chain of financial, banking, insurance and accounting companies 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

ScopeX

Now send money at a real exchange 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 real-time remittances.

Open your ScopeX account in less than 3 minutes! Easy, secure, 100% safe.

www.scopex.co.in

Serenity Shield

Straddling the line between fintech and insurtech, Serenity Shield provides a simple, powerful cryptographic solution for both retail and institutional applications.

Serenity Shield provides a transparent, user-centric, fully decentralized approach to providing the highest tier of asset protection available.

Serenity Shield provides a new and innovative blockchain technology solution to recover and make heritable one’s digital assets.

www.serenityshield.io

Signicat

Signicat is a pioneering, pan-European digital identity company with a unrivalled track record in the world’s most advanced digital identity markets. Its digital identity platform incorporates the most extensive suite of identity verification and authentication systems in the world, all accessible through a single integration point. The platform supports the full identity journey, from recognition and on-boarding, through login and consent, to making business agreements which stand the test of time.

www.signicat.com

SLVRCLD

SLVRCLD speeds-up content claims, by leveraging product data and desktop assessing, resulting in a happier more trusting 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

Smart 4 Invest

Launched in 2016, in the midst of the rise of electronic payment and digital banking, S4I now develops and maintains a banking transaction network based on the payment protocols of most payment methods available on the market.

Our hardware product lines are mainly Android or Linux payment terminals, but also cashiering systems such as POS or smart cashers.

www.S4I.be

Sopiad

SOPIAD is the independent provider of client-centric ratings that simplify 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 intermediaries personalize the investing experience.

Looking forward, the client-advisor relationship will be about collaboration and purpose, not about financial performance only.

www.sopiad.com

SPVfund

Our democratic equity funding platform, DeepTech.fund, creates access for any type of investor to early investment rounds in the most promising European “Deeptech” startups.

www.spvfund.fund

Swan.io

Swan is the easiest way to embed banking features into your product. Via Swan’s simple 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 eFounders, 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. Additional 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

The Hokus Platform is an award-winning S.A.S Insurtech providing a highly secured, PSA approved and connective platform to centralize and digitalize all the subscription and contract management for life insurance stakeholders (Insurance companies and wealth management institutions)

www.thehokusplatform.com

The Glue

The Glue builds platforms for the financial industry. We stand for full end-to-end bespoke IT solutions and services. Your project can benefit from strong acceleration thanks to our experienced team, reusable components and a robust reference architecture. We have a track-record of successfully building and maintaining platforms for, amongst others, Belfius, NN, Atradius and Assuralia. The Glue is founded in 2015 and part of a unique ecosystem, together with ::Projective, Hyfen, Smartfin and Exellys.

www.theglue.com

thewave

thewave is a Belgian insurtech company founded in 2019, subsidiary of insurance consultant Ensur. Our mission is to combine Ensur’s profound business knowledge and our partners’ deep technology expertise to invent, build and integrate tailored digital solutions for our clients in the insurance sector. We also provide technology related consulting and project management services, thus helping our clients stand strong, and even get stronger, in a sector facing disruption.

www.thewave.tech

Tink

Tink is Europe’s leading open banking platform that enables banks, fintechs and startups to develop data-driven financial services. Through one API, Tink allows customers to access aggregated financial data, initiate payments, enrich transactions, verify account ownership and build personal finance management tools.

Tink connects to more than 3,400 banks that reach over 250 million bank customers across Europe. Founded in 2012 in Stockholm, Tink became a wholly owned subsidiary of Visa in 2022.

www.tink.com

TopCompare

At TopCompare, we help Belgians make the smartest financial decisions in order to manage their personal finances in an easy and quick way. We give the power back to the consumer by comparing financial products and increasing financial education, market transparency and countrywide mobile access to financial products. We are growing rapidly since our launch in 2015 and are already the nr. 1 banking comparison platform. Every year, we help over 1.5 million Belgians save time and money.

www.topcompare.be

Transfer1

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.

Transfer1 expects to be fully operational end Q3 2023.

www.transfer1.com

Treezor

Founded in 2016, Treezor is a Payment and Electronic Money Institution authorized to operate in 25 countries and a key member of international 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 embed white-label payments via API into their offer by outsourcing the tech, security and regulatory aspects to an international team of experts.

www.treezor.com/en

Trensition

Changes are coming our way at lightning speed. Organisations that want to be relevant tomorrow must anticipate. Trensition 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, decision-makers automatically detect 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

Tricount is a world leader in expense sharing applications (accounts between friends) available on IOS, Android and online. We help friends and couples manage their joint expenses in a simple, friendly and transparent way. Each person invited to a “tricount” can add their own expenses and Tricount allows you to track and display the balance of expenses at any time. Tricount then offers the most effective way to reimburse.

www.tricount.com

Trustable bridge

TrustableBridge is a Dutchbased B2B2C Platform as a Service fintech provider of credit and risk management tools.Our mission is to bridge the gap between financial and non-financial sectors and enable widespread access to uncommon experiences through trust and transparency.Our process is seamless, fast (less than 30 sec), and reliable (GDPR compliant).We leverage technologies made possible by open banking and other channels to provide a comprehensive risk assessment journey.

www.trustablebridge.com

Trustbuilder

As financial services companies are building out their digital ecosystems, TrustBuilder helps them in smoothly and seamlessly bringing all applications together, while providing airtight security to the API architecture that underlies the ecosystems. At TrustBuilder, we’re taking Identity and Access Management (IAM) to the next level. Our unique IAM platform is fuelled by ultimate flexibility, thanks to a powerful orchestration engine, a flexible development platform and an extensive number of built-in connectors. Using TrustBuilder increases customer experience, decreases time to market and delivers flawless security.

www.trustbuilder.com

Twikey

Twikey offers smart and innovative solutions for companies with returning customers in making the payment process more cost efficient, less time consuming and easy to follow-up.

Twikey is market leader in Europe for concluding online SEPA direct debit mandates, managing direct debits and other recurrent payment methods, and has unique cooperation agreements with major banks such as Belfius, BNP Paribas Fortis, KBC, ING, Rabobank, ABN-Amro.

www.twikey.com

Building trust between companies and individuals in digital ecosystems

Offer smooth and secure access to all applications. Make informed decisions based on your customers’ profile and behavior, using any data source you want. Start with as little as you need, go as complex as you wish.

Discover how you can build a secure, compliant and delightful experience throughout the user journey

Unifiedpost

Unifiedpost Group makes business easy and smart by building strong digital connections between businesses, customers and suppliers. Our cloud-based open network promotes collaboration, 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 procure-to-pay processes. Creating data-driven services for us and our partners to help organisations grow.

www.unifiedpost.com

Vadis Technologies

We give transparency when trust is unreliable. Fast growing Brussels based regtech, we build third-party risk monitoring (TPRM) & KYB solutions.

We transform public and private data to help our clients gain insights about third-parties risks (suppliers, clients,…). With our unique Data-Analytics-as-aService approach, we offer visibility 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

Technologies

Vfinance

Are you a Lender, insurance or reinsurance company? vFinance provides the robust core platform to manage your new production and legacy portfolio’s.

The vFinance platform offers automated product management during the whole contract life-cycle, taking into account all commercial, regulatory, reporting and accounting requirements.

Our modern and open technology will amplify your existing legacy system or replace it in a controlled manner.

www.vfinance.be

Visa

As part of our purpose to uplift 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 maintain 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 commerce. To know more, meet us at our Visa booth.

www.Visa.be

Waow

Waow is the real payment innovation:

• builds an ecosystem between consumers and local 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).

www.waow.be

Weavr.io

Weavr enables digital innovators 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 attempted 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 embedded finance innovation.

www.weavr.io

WeGroup

WeGroup helps insurance providers 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 funding.

www.wegroup.be

Wequity

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 Reporting Platform. In real-time, for a universe of 25k companies, Wequity monitors 80k+ news networks and social media while providing a range of data insights.

www.wequity.app

Woltix

At Woltix, we believe that client centricity is key for wealth management professionals. Thus, a customer’s trusted adviser should spend less time on building portfolio analysis reports, and more time on building relationships with the client.

Woltix helps with portfolio analysis automation and builds beautiful reports that include performance, concentration, and risk analysis for a given portfolio - all delivered via a cloud-ready API.

www.woltix.com

Yago

We are Yago, a scale-up in Insurtech 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 hyper-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

Yields

The growing dependency and complexity of models, and the heightened regulatory scrutiny have resulted in new challenges for financial institutions to manage their exposure to model risk. To support effective Model Risk Management (MRM), Yields.io developed the Chiron Platform, an award-winning and configurable solution to automate model validation, generate regulatory compliant documentation, and centrally manage MRM processes. Yields’ technology is used by both global tier 1 and regional banks.

www.yields.io

Zaion

Zaion is the European expert in augmented customer relationship solutions. Thanks to a unique and innovative Callbot & Chatbot technique relying on AI, Zaion’s callbots & chatbots automate high volume 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 Callbots & Chatbots running, which handle more than 45 000 calls / day more than half of our customers are insurers, bankers and related service providers such as assistance companies, claim adjusters, etc.

www.zaion.ai

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