DIGITAL FINANCE SUMMIT 2023
TABLE OF CONTENTS
FinTech Belgium4,,,,,,,,,,,, EDFA Our DFS Partners Programme & floorplan Networking Detailed agenda Stage 1 / Main stage Stage 2 / EU Fintech Pitch Battle Stage 3 / Interactive Sessions Stage 4 / Interactive Sessions
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THE INITIATOR
FINTECH BELGIUM asbl/vzw Our Team:
The Digital Finance association by and for fintech, insurtech, regtech, wealthtech, ... Since 2015, FinTech Belgium gathers the biggest and very dynamic ecosystem of Digital Finance-savvy experts to discuss disruptive models and support the development of new technologies for the finance industry. We federate and represent over 120 members active in the Belgian market…
ENHANCE INNOVATION IN DIGITAL FINANCE To support startups and scale-ups active in bringing transparency and innovation in our industry, we focus on three missions: • • •
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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.
Digital Finance Summit 2023
On May 2nd 2016, Fintech Belgium officially became a non-profit organisation grown from the spirit “by fintechers, for fintechers”. The team includes 10 board members, with Jean-Louis Van Houwe as chairman, Patricia Boydens as VP and ambassador for our vertical Insurtech Belgium, 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, and Johannes Vermeire. The board of directors supports the association with their time, representing the members and association when talking to regulators and other stakeholders, reviewing the membership applications and giving advice on the different activities. The operational team consists in 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 supported by occasional trainees for FinTech Belgium’s communication and our annual summit.
+5200
FinTechers
+9200 Members
+3800 Followers
+2000 Followers
Our Members:
We are a proud fast-growing community. In hardly 7 years, we represent more than 120 members and our community keeps growing every week. Together we demonstrate once again how Belgium can bring strong innovation through technology and creativity in one of the hottest trends in today’s financial landscape.
Technological innovation
FIRe Hub: In 2020, we have launched the largest hub dedicated to Digital Finance, located in the heart of Europe in Brussels, Belgium. It is the meeting point for Belgian actors and international business travellers. The right place to meet like-minded people and give root to new ideas and co-operation that will become the breeding ground for innovation and collaboration in the Digital Finance world. Join us: www.fire-hub.rocks
Integrity
Clientcentricity
Transparency
Competence
EDFA and BAx: 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
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A strong community can only be built around a shared vision. FinTech Belgium Association and all its members commit to our core values.
EDFA
The European Digital Finance Association Our Objectives are... 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.
Promote EU Single Market for Digital Finance Services,
The purpose is to support Europe’s global role in the financial technology sector.
Help make an innovation-friendly regulatory framework,
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.
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Ensure prosperity by increasing the competitiveness of European companies
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
ASSOCIATED MEMBERS
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DIGITAL FINANCE SUMMIT PARTNERS
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MAIN PARTNER
Skipping to the best part:
Mastercard 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 innovations 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
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Using your Mastercard® for mobile payments is safe, fast and easy, so you can skip to the best part.
MAIN PARTNER
Microsoft Microsoft (Nasdaq “MSFT” @microsoft) enables digital transformation for the era of an intelligent cloud and an intelligent edge. Its mission is to empower every person and every organization on the planet to achieve more. Microsoft is continuously innovating in areas like cloud computing, data and AI, modern work, security and business applications. Infusing generative AI in all our solutions across sectors is our core priority to accelerate our customers’ success. Our focus in financial services is to help
reduce cost and risk, modernize core systems, and delight customers and employees to achieve differentiation and spur sustainable growth. In Belgium and Luxemburg, Microsoft employs over 550 people and has a powerful network of more than 4,000 partners. With them, Microsoft Belux helps build solutions for corporations of all sizes, government institutions and NGO’s. Microsoft Belux wants to accompany its customers on the journey towards a digital society, overcoming the challenges it brings and seizing the opportunities it offers. www.microsoft.com/nl-be/
Empowering every person and every organization on the planet to achieve more. Digital Finance Summit 2022
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MAIN PARTNER
Visa Visa (NYSE: V) is a world leader in digital payments, facilitating payments transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories.
We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. www.Visa.com
Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive.
Scale up your business at full speed with Visa
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Roger Habsch Belgium, Wheelchair Racing World Champion & World Record Holder Team Visa
Febelfin (Belgian Financial Sector Federation) is a non-profit organisation whose goal is to provide credible 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, brokerage firms, stockbrokers and leasing companies. Together, the Febelfin members account for about 54,200 direct jobs. Febelfin is the interlocutor and spokesperson for policymakers, regulators, professional federations 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 12
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PLATINUM PARTNERS
DigitalKYC a
solution
Digital KYC DigitalKYC is a comprehensive KYC orchestration platform for automated integration, tracking and remediation of individuals and legal entities with their beneficial owners. It includes KYC data collection, customer identity verification, AML /CTF / Sanctions checks, enhanced due diligence, risk scoring and more...
DigitalKYC is a comprehensive KYC orchestration platform for automated integration, tracking and remediation of individuals and legal entities with their beneficial owners. It includes KYC data collection, customer identity verification, AML /CTF / Sanctions checks, enhanced due diligence, risk scoring and more...
ADVANCED EKYC COMPLIANCE SOLUTION Intuitive customer experience & improved productivity 13
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PLATINUM PARTNERS
Paynovate Paynovate is a leading provider of digital payment solutions. It is a Belgian e-money institution (EMI), fully licensed by both the National Bank of Belgium and the Financial Conduct Authority. Paynovate provides digital payment solutions for B2B businesses across all EEA member states and in the UK, via its highly trusted and regulated platform. It is a principal member for Visa, Mastercard and Bancontact-Payconiq.
The company’s single platform processes all payments with services such as acquiring (POS and e-commerce), issuing and IBAN accounts. It also offers BIN sponsorships to program managers throughout the EU and in the UK. Paynovate is part of the Loyaltek Group which includes: Loyalpay, a payment terminal partner; Giftify, which runs gift card programmes; and Fintronik, handling corporate cards and payment processing. The Loyaltek Group was founded in 2008 and Patnovate was established in 2018. www.paynovate.com
Acquiring I Issuing I Banking 14
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GOLD PARTNERS
Area42 AREA42 is Credendo’s innovation vehicle. We leverage TradeTech to improve how we trade goods and services. Our mission is to create a fluid and risk-savvy trade environment. Terms.Tech is our flexible and comprehensive B2B payments solution (BNPL) for marketplaces, suppliers, and PSPs. MISSION42 is our venture-building studio. Our entrepreneurial team finds and validates real customer-focused B2B trade problems and builds innovative TradeTech solutions. Together, let’s make trade future-proof - www.area42.tech
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GOLD PARTNERS
Amindis As industry pioneers, our tailored solutions offer in-depth portfolio analysis, helping investment decisions. Our flexible software enables comprehensive analysis, identifying opportunities, and streamlining management. With AMDIS and INDIS, proactively address challenges and make informed automated decisions. Our solutions integrate the New IRR (Impact, Risk, and Return) concept, providing: • • •
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Global perspective: understand each investment’s contribution. Enhanced risk management: identify and manage risks effectively. Values alignment: choose investments that match your ethical and environmental standards.
Digital Finance Summit 2023
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Strategic decisions: optimize risk-return balance with sustainability.
www.amindis.com
GOLD PARTNERS
Complyadvantage
Regsharp
ComplyAdvantage is the financial industry’s leading source of AI-driven financial crime and fraud risk detection, with a mission to neutralise the risk of money laundering, terrorist financing, corruption, and other financial crimes.
RegSharp Audit & Consulting is a french-based consultancy firm specialised in regulatory compliance programs and advisory for fintechs.
ComplyAdvantage delivers AML/CFT solutions that combine proven matching and screening technology with a proprietary risk database that is unique on the market. These include: Customer screening and monitoring against sanctions, watchlists, politically exposed persons lists and adverse media articles to identify potential high-risk entities. complyadvantage.com
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Our comprehensive range of compliance as a service expertise crosses payments, electronic money, exchanges and virtual asset services providers, from traditional financial institutions to new stakeholders. Our services include helping regulated startups to apply for licences requirements such as defining their AML CFT policy or their internal control plan. RegSharp has a sound and recognized expertise of the EU member states’ supervisory bodies. More than 25 regulated fintechs across EU member states have trusted RegSharp Audit & Consulting. regsharp.com
GOLD PARTNERS
Itsme itsme® provides a comprehensive identity solution across sectors, meeting diverse verification needs. Its seamless integration of security and user-friendliness is favored by numerous banks and financial institutions In Belgium, the itsme® app has become the go-to authentication method, transforming online banking security. Streamlining digital identity verification and asserting itself as the leading identity solution, itsme® shapes the dynamic fintech landscape. www.itsme-ID.com
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One unique app for every customer interaction
GOLD PARTNERS
Netcompany-Intrasoft Netcompany-Intrasoft empowers local banking and EMI sectors through innovative IT solutions in payments and lending. Our financial ecosystem is a combination of core banking services, middleware layer for orchestration and seamless connectivity, extensive sets of APIs and White Label mobile/web digital channels. We envision an API-driven economy, enabling seamless integration, connectivity, data sharing, authentication, transactions and innovation in user experiences, products and business models. www.netcompany-intrasoft.com
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GOLD PARTNERS
Servicenow Future-proofing financial services in an era of rapid transformation and changing market dynamics Our cloud‑based platform and solutions help digitize and unify organizations so that they can find smarter, faster, better ways to make work flow. Employees and customers can be more connected, more innovative, and more agile. We can all create the future we imagine. Financial institutions of varying sizes and types rely on ServiceNow to support their digital transformation. With one platform, we partner with FSIs to future-proof their business in an era of rapid transformation and new market dynamics. This includes: • • •
Accelerating innovation to turn the high pace of change into a competitive advantage. Exceeding customer expectations through operational excellence and better employee experiences. Strengthening resiliency to maintain customer trust and protect the business’ reputation.
www.servicenow.com
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COUNTRY PAVILION
British Embassy Brussels Department for Business and Trade The UK’s Department for Business and Trade helps businesses export, drives inward investment, negotiates market access and trade deals, and champions free trade. We are an international economic department, responsible for supporting and encouraging UK businesses to drive sustainable international growth and ensuring the UK remains a leading destination for international investment. Today, we are present with five innovative UK companies. Please find more information on each of them below.
Kasko
part of the Country Pavilion of British Embassy KASKO provides InsurTech as a Service, enabling insurers, banks, or other large distributors to set up digital insurance schemes and distribute them through any and all channels in as little as days or weeks as self-service from €2,000/month + 0.5-1% share of GWP. The platform’s functionality is modular and open via API and can generate mobile-first white-labelled front-ends. www.kasko.io
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COUNTRY PAVILION
Lupovis
Pannovate
Simudyne
Spixii
Lupovis provisions dynamic deception environments that enhance cyber security protection, a pro-active and offence-centric strategy adapted to each adversary irrespective of their skill level.
Pannovate offers a range of innovative products, but one that stands out is “Syllo”.
Simudyne is a market leader in providing agent-based models and simulations to enterprise companies. Their products include the high-fidelity financial market simulator as well as their simulation software development kit (SDK) which leverages Simudyne’s patented graphbased approach. With over ten years experience in computational modelling and simulation, Simudyne offers advanced models that can be licensed and customised to a specific client’s needs.
Spixii is a Conversational Process Automation platform enabling financial services to offer 24/7 self-serve to their customers and intermediaries.
www.simudyne.com
www.spixii.com
part of the Country Pavilion of British Embassy
The solution provides contextual threat intelligence when deployed outside of networks and manages attackers that have penetrated the network and insider threats through a rich engagement environment, guiding their evolution paths through the decoy infrastructure using adaptive manipulation techniques. www.lupovis.io
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part of the Country Pavilion of British Embassy
Syllo can be best described as a smart middleware, and what sets it apart is a unique combination of cutting-edge technology, AI assisted logic and its advanced security features. It offers comprehensive, customisable, and scalable fintech solutions and analytics tools. Our technology can be best described as BaaS or Embedded Finance enablers, allowing our customers to go to market quickly and cost-efficiently. www.pannovate.com
part of the Country Pavilion of British Embassy
part of the Country Pavilion of British Embassy
Combining expert chatbots, business processes modelling and integration to core systems, the platform helps businesses to automate high-value processes, reduce the number of inbound calls and improve the productivity of customer service operations. The processes can be executed in any language
SILVER PARTNERS
Bancontact Payconiq
Basikon
We believe that payments have the power to create positive connections. Therefore, we incorporate new technologies to create seamless, secure payment experiences that make life easier for the Belgian community. We aim to contribute to the growth of local businesses. And we never stop improving our payment solutions, to meet the expectations of both merchants and consumers.
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.bancontactpayconiq.com
www.basikon.com
Come visit our booth to discover WIP and our mobile and card payment products
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SILVER PARTNERS
Bolaconsulting
bµyQwest
Helping companies and organisations communicate optimally digitally is what Eezycom stands for
Discover ByQwest, the Next Generation Banking-as-a-Service and card issuing processor. As a Fully PCI-DSS Service Provider Level 1 and Visa certified, we power your innovative card and payment programs with the most advanced and easy-to-use platform on the market. Choose from a wide range of plug-and-play modular products to enjoy the best of embedded finance. Benefit from vast technical expertise supporting your quick time-to-market with a proven track record.
EEZYCOM is the flexible communication tool for companies to both keep good customer communication and help them achieve optimal cash flow. Our multichannel approach with AI ensures customers get answers to questions faster and promotes customer service. Routine jobs are caught and staff are better deployed, with more challenging work.
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Curious about EEZYCOM’s potential for your company? Visit Bolaconsulting’s stand and/or attend our pitch!
Why you need to choose us: Modular, Full API and real-time, cost efficient, cloud native and full serverless, connectivity & interoperability, dedicated instances.
www.bolaconsulting.com
www.byqwest.com
Digital Finance Summit 2023
SILVER PARTNERS
Comarch
Datavillage
Comarch is a global software house delivering and integrating proprietary IT products and is one of the biggest IT companies in Europe. It carries out projects for the leading global brands in the most important sectors of the economy, including banking, insurance, healthcare, and more. Comarch ranks high in the league tables prepared by IT analysts, including Gartner, Truffle 100, TOP 200 “Computerworld”, etc. Comarch employs over 7 000 experts in over 90 offices in more than 30 countries.
In the rapidly expanding world of open finance, data collaboration has emerged as a vital tool, enabling the pooling and analysis of a vast array of financial data from multiple sectors for superior insights and decision-making. Datavillage propels this ecosystem by providing a robust platform that not only facilitates secure data integration but also enhances it with powerful AI-driven analytics. Datavillage allows financial entities to tap into a wealth of data sources and utilizing advanced algorithms to drive innovation and efficiency in a secure and compliant way.
Comarch Open Platform, our market-proven collaboration-focused digital banking solution, seamlessly integrates purchasing and development capabilities. Positioned at the intersection of key digitalization trends, we empower clients to streamline daily operations, allowing a sharper focus on their core business. Our modern buy-and-build model and cloud-based services enhance efficiency and attract new customers. Join us in reshaping the landscape of SME- and Corporate banking, leveraging proven systems to cut costs and accelerate progress. Elevate your business with a platform designed for the future. www.comarch.fr/solutions-it/finance
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www.datavillage.me
SILVER PARTNERS
REINVENTING INVOICING AND PAYMENT
Digiteal
Goveni
Get paid faster, more regularly and at a lower cost!
Goveni is a highly-trusted FinTech & AI group based in Brussels. At the forefront of AI advances for over five years, it’s only in 2023, when AI truly became mainstream, that we get to spotlight our new dedicated AI branch: Ingram.
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
Meet our flagship product: Embedded Payments for AI chatbots. Imagine a world where payments are as simple as a conversation. This isn’t just another payment gateway; it’s a leap into the future of online transactions. By embedding payments directly within AI chatbots, we’re offering a novel, intuitive, and engaging way for users to interact with apps and websites. It’s a first-of-its-kind solution, adding capabilities to the conversational ease of chatbots. www.goveni.eu
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SILVER PARTNERS
ICCAPS
Ixor
We are a full-service digital product agency dedicated to crafting exceptional applications and future-proof digital products built on a strong and endurin foundation.
Elevate your document processing with IxorDocs, the advanced AI-driven platform of choice for industry leaders like Belfius and Clearfacts. Our seamless cloud-based solution integrates effortlessly, providing easy configuration and scalability. Supercharge efficiency with our intelligent OCR modules. From diverse invoicing streams to businesses processes of all sizes, IxorDocs is your powerful tool for digital success!
We offer: Strategy - Design - Development - Marketing - Analytics For customers like Bolero, KBC, Argenta, Keytrade, Monizze, Belfius, Isabel, Febelfin, … .With a profound expertise in digital products and strategy for banking and fintech, we know exactly how to translate our customers’ needs into valuable digital solutions. Want advice on your digital transformation, don’t hesitate to get in touch. www.icapps.com
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www.ixordocs.be
SILVER PARTNERS
Monizze
MyID.be
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.
Log in and sign the safe and easy way.
www.monizze.be
To prove your identity on the internet, you often need an identity card (eID) and card reader. With myID.be® you can use our myID.be® mobile app. Do you want to log in to a website or an app that supports myID.be®? Then you only need to scan a QR code and enter a five-digit pin code. This way you can prove who you are on the web quickly, easily and safely. And you don’t need your card reader. myID.be® is built and operated by U2U Consult® www.myID.be/Business
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SILVER PARTNERS
Nickel
POM
Nickel offers a payment account accessible to everyone.The account can be opened in 5 minutes in an approved press or corner shop, for €20 a year. You get an international Mastercard® Debit, a nominative Belgian IBAN and tools for managing your transactions in real time (web, mobile, SMS). To date, more than 3.5 million Nickel accounts have been opened through a distribution network of over 9,000 points of sale in Europe.
POM helps organizations in a variety of industries to receive payments more smoothly, in a more customer-friendly and social manner, and at lower costs. We combine our advanced technical platform with a people-centric approach. With our smart software, organizations can easily create, send and automatically track their invoices. Thanks to easy-touse payment features such as QR codes and payment links, more invoices are paid on time. Our mission is to provide a convenient and effortless user experience: if you use POM, you pay with a smile. That makes us the preferred partner of more than 2,000 customers in Europe.
www.nickel.eu
www.pom.be
powered by
Your company’s payment requests in the Payconiq by Bancontact app Reduce the risk of unpaid invoices and increase the ease of payment for your customers. Anti-phishing solution
100% secure and spam-free
Check
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pom.be/payconiq
for more info.
SILVER PARTNERS
Ponto by Isabel Group
Scudi
Ponto, a European Open Banking provider, connects 25,000 clients from 200 software platforms to 2,000 banks via its seamless API. Specializing in B2B, Ponto excels in handling complex bank mandates and offering broad payment scenarios. Compliant with regulations and tailored to software providers’ needs, Ponto’s robust API opens a vast banking network, emphasizing security and user experience. Ponto offers a developer-centric ecosystem, featuring a secure testing sandbox and supported by a dynamic tech team.
Financial worries are a major problem for employees, affecting their motivation and well-being. This can lead to absenteeism, stress, and even burnout. SCUDI is the solution that gives employees instant access to a portion of their already earned salary via mobile app, 24/7 without having to wait for payday thus tackling stress at its roots! With SCUDI, every day is payday That’s the Power of Paynovate. www.scudi.me
Switch on Open Banking Steamline user data and payments in your application using a reliable API. Access 2000 European banks in 15 countries
EVERYDAY is PAYDAY scudi me! (=pay me!)
https://scudi.me
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SILVER PARTNERS
Simont Braun
Skwiz
Simont Braun is a reference law firm in FinTech and Financial Services in Belgium. Our team combines sharp legal expertise with practical insights and strong connections with the financial ecosystem and the regulators.
Skwiz is a SaaS solution that automates the processing of incoming document flows across various sectors, from accounting to HR, and construction to insurance. It combines the latest technologies in generative AI (like ChatGPT) and machine learning to provide a best-in-class solution that ensures a fast setup, ranging from a few minutes to maximum a few days, alongside highly accurate document extraction and the potential for deep integration with client systems.
Simont Braun assists FinTech service providers with all regulatory, legal, data & compliance matters. We are furthermore specialised in helping foreign FinTechs navigate local regulations and enter the Belgian market. www.simontbraun.eu
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www.skwiz.ai
SILVER PARTNERS
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Sopiad
Swan.io
SOPIAD is the independent provider of client-centric investment portfolio diagnostic that simplifies non-professional investors decisions while comforting their financial well-being and alignment with their personal values.
Swan is a European fintech and leader in embedded finance. Swan’s Banking-as-a-Service platform is the easiest way for companies to embed banking features into their own product.
Grounded on years of academic research and guided by seasoned wealth management and academic experts, we help financial intermediaries personalize the investing experience.
Founded in 2019, Swan serves 100+ companies across 10 European countries. Backed by VC investors like Lakestar, Accel, and Creandum, Swan is a Mastercard principal member and a licensed financial institution, regulated by the ACPR.
www.sopiad.com
www.swan.io
Digital Finance Summit 2023
BRONZE PARTNERS
Febelfin Academy
Kasko
Lupovis
Pannovate
Learning, key for evolution’, that is what we truly believe in at Febelfin Academy.
KASKO provides InsurTech as a Service, enabling insurers, banks, or other large distributors to set up digital insurance schemes and distribute them through any and all channels in as little as days or weeks as self-service from €2,000/month + 0.5-1% share of GWP.
Lupovis provisions dynamic deception environments that enhance cyber security protection, a pro-active and offence-centric strategy adapted to each adversary irrespective of their skill level.
Pannovate offers a range of innovative products, but one that stands out is “Syllo”.
We assist financial professionals in developing their knowledge and skills, preparing them for every next step in their career through impactful hybrid financial learning journeys from basic to expert level and with a focus on job-specific skills. Febelfin Academy is a ‘house of trust’ for the financial sector an inspiring meeting place where ambitions and experiences are exchanged. www.febelfin-academy.be
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The platform’s functionality is modular and open via API and can generate mobile-first white-labelled front-ends. www.kasko.io/
The solution provides contextual threat intelligence when deployed outside of networks and manages attackers that have penetrated the network and insider threats through a rich engagement environment, guiding their evolution paths through the decoy infrastructure using adaptive manipulation techniques. www.lupovis.io
Syllo can be best described as a smart middleware, and what sets it apart is a unique combination of cutting-edge technology, AI assisted logic and its advanced security features. It offers comprehensive, customisable, and scalable fintech solutions and analytics tools. Our technology can be best described as BaaS or Embedded Finance enablers, allowing our customers to go to market quickly and cost-efficiently. www.pannovate.com
BRONZE PARTNERS innovation forward
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Simudyne
Spixii
Sirris
Time.lex
Simudyne is a market leader in providing agent-based models and simulations to enterprise companies. Their products include the high-fidelity financial market simulator as well as their simulation software development kit (SDK) which leverages Simudyne’s patented graphbased approach. With over ten years experience in computational modelling and simulation, Simudyne offers advanced models that can be licensed and customised to a specific client’s needs.
Spixii is a Conversational Process Automation platform enabling financial services to offer 24/7 self-serve to their customers and intermediaries.
Sirris is the trusted companion of all Belgian companies with an appetite for technological innovation. Simply put, we help companies realise their innovation ambitions with hands-on support. This includes access to qualified multidisciplinary teams, partners and ecosystems, a broad set of industrial labs and tons of specialised inspiration. Also looking to reap the benefits of technological innovation?
Timelex is law firm specialised in digital finance, fintech, Artificial Intelligence, IT, intellectual property law, contracts and commercial law. Ranked as top-tier firm in international rankings Legal 500 and Chambers.
www.simudyne.com
www.spixii.com
Digital Finance Summit 2023
Combining expert chatbots, business processes modelling and integration to core systems, the platform helps businesses to automate high-value processes, reduce the number of inbound calls and improve the productivity of customer service operations. The processes can be executed in any language
www.sirris.be
Partner Edwin Jacobs co-founded the Fintech Lawyers Network. We advise about i.a. payment services, AI, digital finance, scope discussions (exceptions, exemptions, legal impact of payments and data flows in ecosystem), contacts with regulators etc. www.timelex.eu
PROGRAMME
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FLOORPLAN STAGE 2
STAGE 1
EU FT Pitch Battle
Main stage
STAGE 5
International stage
BAR
BUFFET
RECEPTION BUFFET BUFFET
BAR
1
STAGE 3 Interactive Sessions
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2
3
4
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5
EDFA
Private Sessions
BUFFET
7
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VIDEO & PODCAST Studios
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11
STAGE 4 Interactive Sessions
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BUFFET 29
30
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MASTER BLEND
Cloakroom
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18 19 20
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EXHIBITORS PAYMENT
TECH & INFRASTRUCTURE
WEALTHTECH & REGTECH
• • • • • • • •
• • • • • • • • • • • • • •
• • • • •
Bancontact Payconiq 1 Digiteal 2 MASTER BLEND by Mastercard Stage 5 Nickel 4 Paynovate 3 POM 5 Swan 6 Visa 7
ECOSYSTEMS & SERVICES • • • • • • •
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AREA42 British Embassy Brussels European Digital Finance Association Febelfin Academy Fintech Belgium Goveni Simont Braun
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Basikon 9 Byqwest 10 Datavillage 12 DigitalKYC by Proximus 30 EEZYCOM 15 icapps 31 Ixor 8 Microsoft 13 MyId.be 14 Netcompany-Intrasoft 17 Ponto by Isabel Group 32 Scudi 16 ServiceNow 11 Skwiz 18
Amindis 25 Comarch 28 itsme 27 RegSharp & ComplyAdvantage 29 Safir by Sopiad 26
THE POWER OF NETWORKING 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.
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Digital Finance Summit 2023
IN OUR SPEAKERS CAFÉ,
During the breaks, enjoy informal and cosy sessions with different speakers 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!
MEET THE RIGHT PEOPLE
Make the most of your event with private one-on-one messaging, robust attendee profiles, and social media integrations.
NEVER BE LEFT OUT OF THE LOOP
Receive important notifications during the event. Access your tickets, the agenda, and other important information about the DFS on your mobile.
ATTEND STRATEGICALLY
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.
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OPENING SESSION STAGE 1 & 2 Navigating Speed of Change In a mere 2 months, ChatGPT reached the same audience that the World Wide Web took 7 years to achieve. Technology’s rapid evolution has become impressively difficult to keep up with. Furthermore, our world is continuously navigating from one deep challenge to another. How can we successfully adapt to this relentless pace?
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Digital Finance Summit 2023
Join us at the Digital Finance Summit 2023 to hear from inspiring speakers who will share their vision and insights on staying at the forefront of these dynamic evolutions. Gain invaluable keys to navigate the ever-changing landscape and thrive in the face of uncertainty.
HERE IS THE PROGRAMME
8:30
Welcome
8:40
8:50
9:00
SPEAKERS
Jean-Louis VAN HOUWE
Opening
Chairman of FinTech Belgium & CEO of Monizze-Up
Didier REYNDERS
Opening keynote
Audrey CHABIN
MASTER OF CEREMONY
by Toon VANAGT Fintech Belgium
by Jean-Louis VAN HOUWE FinTech Belgium/ Monizze-Up and Karel BAERT Febelfin
by Commissioner Didier REYNDERS, European Commission for Justice
Opening keynote by Audrey CHABIN VISA
Head of Business Development France & Belux Visa
Karel BAERT CEO Febelfin
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European Commissioner European Commission for Justice
Toon VANAGT
Board member at FinTech Belgium and Managing Partner at Data.be
STAGE 1 / MAIN STAGE 9:15 - 10:30 - Finance Everywhere Finance is increasingly present in our daily lives, from payments to insurance, etc. In this track, we’ll explore the opportunities for Belgium in this evolution, examining how our cities will be reshaped in usage and emphasizing the constant consideration of inclusion. The goal is for finance not only to be everywhere but also for everyone.
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Our three keynotes will be followed by a panel guided by the talented Kamile Mazrime who will address the evolution impacting not only fintech but also insurtech. This evolution involves, among other things, ‘embeded’ finance and insurance in a series of products and services that the end-user uses frictionlessly. This raises questions for fintech and insurtech about the best distribution strategies to increase reach and the challenge of ensuring that this finance remains inclusive for the greatest number of people. Our panelists will share their insights on these issues and the future they envision in this field.
KEYNOTE SPEAKERS
Magali VAN BULCK
Marie LOGÉ
Benny LANOIZELE
Richard CAMPION
Jean-Charles VELGE
Rie SORDO-DECOCK
Thierry CHILOSI
Geert
MODERATOR
CEO & Co-Founder Oper Credits
Kamile MAZRIME
Head of Policy & Campaigns (EMEA) Wise
Head of Fleet and Mobility Visa
Chief Strategy Officer Swift
Christian SARAFIDIS
Chief Executive EMEA Financial Services - Microsoft 44
PANELISTS
Digital Finance Summit 2023
Marie Logé Co-Founder Better-app.org
Co-Founder Qover
VAN KERCKHOVEN
Strategic Account Director Microsoft
Founder CEO SCUDI
Head of Partnerships and Communication ROCKIT Vilnius
STAGE 1 / MAIN STAGE 11:15 - 12:30 - Belgium B2B Heaven Is Belgium a B2B paradise? Examining the proportion of B2B fintech, insurtech, and regtech compared to B2C suggests so. Our first keynote, led by the visionary entrepreneur Alexander Stevens, delves into why Belgium can be a fertile ground for B2B ventures. Discover his insights on making our country even more attractive. Subsequent keynotes explore the Belgian market’s B2B needs in insurance and the imperative of inclusive tools for widespread technological solution adoption.
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In the 45 min. panel, our panelists will discuss the specific strengths of Belgium that contribute to the majority of fintech and insurtech being B2B. They will also engage with our moderator, Eliad Saporta, in a conversation about the growing emergence of new products like Banking As A Service (BaaS), the possibilities they present, and the challenges that arise from them. Join us for insights into the unique landscape of B2B fintech and insurtech in Belgium!
KEYNOTE SPEAKERS
PANELISTS
Alexander STEVENS
Cassy RAMSEY
Atze FAAS
Jan PEETERS
Nadim TAKCHI
Petra KRIZAN
Tom VAN DEN BOSCH
Petros SEKOURIS
CEO Greenomy
CEO Portima
Chief Product Officer itsme
Chief Risk Officer Aion Bank
CEO Openstone/Livret P.
Director, Banking & Finance Netcompany-Intrasoft
Guillaume FLIES
Founder & CEO ByQwest 46
Digital Finance Summit 2023
Payment Advisor EuroCommerce AISBL
Managing Director The Blockhouse Technology
MODERATOR
Eliad SAPORTA
Founder & CEO Coriunder
STAGE 1 / MAIN STAGE 14:00 - 14:25 - Afternoon Opening Session on AI & Data-Driven Innovations Opening keynote by Henri DEWAERHEIJD Mastercard BeLux Leopoldo LOPEZ MENDOZA World Liberty Congress
KEYNOTE SPEAKERS
Henri DEWAERHEIJD General Manager BeLux Mastercard
Leopoldo LOPEZ MENDOZA
Freedom Activist World Liberty Congress
MODERATOR
Toon VANAGT
Board member at FinTech Belgium and Managing Partner at Data.be
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Digital Finance Summit 2022
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STAGE 1 / MAIN STAGE 14:30 - 15:45 - AI & Data-Driven Innovations Data is the most important feed for Artificial Intelligence. We’ll have two speakers explaining to us how providing high-quality data for AI is paramount. Generating, collecting, and enriching those data in a manner that adheres to rules and ethics is also crucial. Another challenge is keeping pace with technological evolution. We are fortunate to have two speakers sharing insights on how one of Belgium’s largest banks successfully navigated and managed this acceleration. Join us for a fascinating exploration of the intricate balance between AI’s data appetite and ethical considerations in a rapidly evolving technological landscape.
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The panel will delve into Artificial Intelligence and the significance of data in innovating our sector. Our outstanding moderator, Bernard Nicolay, will challenge our panelists on generative AI exploring its numerous applications. The discussion will also touch upon the immense amount of data that the financial and insurance sector possesses and the need to enrich it through collaboration and utilization across other industries. Join us for insights into the intersection of AI and data-driven innovations in our sector!
KEYNOTE SPEAKERS
PANELISTS
Mariana DE LA ROCHE
Frédéric LEBEAU
Sophia WIKANDER
Frank ROESSIG
Jan Van ALPHEN
Kristian KLAVENES
Board of Directors Senior Regulatory Affairs Expert INATBA/IOTA
Head Digital Trust Solutions Proximus Luxembourg
Pascal GUFFENS
Head of AI, Data & Corporate Services Belfius
Jonathan BUREZ
Head of AI lab & data office Belfius 50
Digital Finance Summit 2023
CEO Datavillage
Innovation Strategist Raccoons
GM Financial Services Western Europe Microsoft
Co-Founder Aera Payments & Identification AS
MODERATOR
Bernard NICOLAY
Adjunct Professor of Finance Solvay Brussels School
STAGE 1 / MAIN STAGE 16:30 - 17:45 - Regulation as an opportunity There’s an acceleration of European regulation impacting our ecosystem. We’ll kick off with a keynote from the talented Joan Carrette, providing an overview of what Europe has in store for us. Following that, we’ll explore the practical perspectives and opportunities that arise from regulation. We won’t overlook the challenges that regulations may pose at the societal level.
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Those keynote will be followed by a panel where our moderator, Jimmie Franklin, will inquire with our panelists about their perspective on regulation as an opportunity. They’ll explore business opportunities arising from new activities in the finance or insurance sector, as well as societal opportunities to enhance the world around us. Join us for a discussion on how regulation can be a catalyst for positive change and growth!
KEYNOTE SPEAKERS
PANELISTS
Joan CARETTE
Nadia MANZARI
Bo GAO
Lorelien HOET
Jorgen OUAKNINE
Ann SWALLENS
Lyudmyla KOZLOVSKA
Yann RANCHERE
FInTech Lawyer Board Member FInTech Belgium Simont Braun
Director Government Affairs Microsoft
President Open Dialogue Foundation
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Attorney, Avocat à la Cour Self-Employed
Group Head of Innovation and Digital Assets Euroclear
Head of Revenue Ondorse
Managing Director AI Club Asia
MODERATOR
Jimmie FRANKLIN Journalist VIXIO
STAGE 1 / MAIN STAGE
KEYNOTE SPEAKERS
17:45 - 18:30 Closing ceremony
Amélie BREITBURD
17:45 - Fireside Chat between Amélie Breitburd (CEO Lloyd’s Europe) and our CEO Alessandra Guion 18:00 - Awards Ceremony 18:20 - Announcements and thank you
CEO Lloyd’s Europe
Alessandra GUION
General Manager FinTech Belgium
MODERATOR
Toon VANAGT
CEO data.be
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PITCH BATTLE PARTNERS
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STAGE 2 / EUROPEAN FINTECH PITCH BATTLE HERE IS THE PROGRAM
9:15 - 10:30 1st session
14:25 - 15:40 3rd session
Opening keynote by Koen DE WAELE (Volta Ventures)
1 year later by Oper Credits, winner Scale-up, by Charlotte MAST
Pitches (5 min pitch + 5 min Q&A)
Pitches (5 min pitch + 5 min Q&A)
1. 2. 3. 4. 5.
Skwiz Shiperise Vesta Insights Shype DACX.AI
11:15 - 12:40 2nd session 1 year later by Regnology, winner of Prize of Public 2022, by Klaas VAN IMSCHOOT
Pitches (5 min pitch + 5 min Q&A) 6. 7. 8. 9. 10. 55
Pay4Climate CryptoMate Intelli-Select ChainCo LUPOVIS LTD
Digital Finance Summit 2023
11. 12. 13. 14. 15.
Divizend Luxembourg BabyReady Finance Moniflo Sopiad Aidonic AG
15:50 - 17:05 4th session 1 year later by Livret P, winner Coup de Coeur 2022, by Nadim TAKCHI
Pitches (5 min pitch + 5 min Q&A) 16. 17. 18. 19. 20.
Silcube Financial Systems Build38 InvestSuite Mifundo Coriunder
VOTE FOR YO FAVOURITE UR PITCH
Poll availab le Pitch sessio in the ns in the agenda
MODERATOR
Julie FOULON CEO Girleek
Jean-Christophe VERCAUTEREN Lawyer Simont Braun
MEMBERS OF THE JURY
Marc BRAET
David HERNIE
Isabelle TENNSTEDT
Xavier DE VILLEPIN
Stan JEANTY
WIllem LAMBRECHTS
Koen DE WAELE
Antoine KUYPERS
Co-founder Intix MB Consulting & Services
Investment Manager TheClubDeal
Venture Partner Volta Ventures
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Account Technical Strategist Finance Industry Microsoft
Associate VoltaVentures
Investment Analyst Finance&Invest Brussels
Partner Seeder Fund
Founder BYRSSA
STAGE 3 / INTERACTIVE SESSIONS
MEET THE SPEAKERS
9:15 - 10:30 - Classroom on PSD3, PSR & FiDA
Thomas FAEILLI
Overview of the future regulatory framework applicable to payment services and financial data. • • • • •
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gain a comprehensive understanding of the key provisions and components of the proposals for PSD3, PSR, and FiDA; conduct an initial assessment of how PSD3, PSR, and FiDA may impact their respective institutions in the future; recognize the interplay between regulatory requirements and their institution’s operations in the context of payment services and financial data; identify potential areas of innovation and adaptation required to align with the evolving regulatory landscape; utilize acquired knowledge to contribute to strategic decision-making processes related to payment services and financial data management.
Digital Finance Summit 2023
Febelfin Academy
MEET THE SPEAKERS
11:15 - 12:30 - Roundtable on AI and Data Collaboration
Mathias VERGAUWEN Microsoft
Shaping Tomorrow: Generative AI and Data Collaboration Join the excitement of our immersive round tables introduced last year, responding to the resounding request from our attendees to break free from the digital silence of the Covid era and move towards two-way knowledge sharing. Take advantage of the agora format as you actively engage with experts from across Europe, enjoying valuable exchanges and experiencing the interactive nature of these sessions. In this roundtable, we’ll delve into the realms of Generative AI and Data Collaboration, uncovering the innovative opportunities these technologies create.
MODERATOR
Remi DELANGHE
Kevin FRANÇOISSE Skwiz
Tommaso MIGLIORE MDOTM Ltd
Bo GAO
AI Club Asia
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STAGE 3 / INTERACTIVE SESSIONS 14:30-15:45 - Roundtable on Embedded Services & Products Innovate & Integrate: Embedded Services and Products in the Financial Industry Join the excitement of our immersive round tables introduced last year, responding to the resounding request from our attendees to break free from the digital silence of the Covid era and move towards two-way knowledge sharing. Take advantage of the agora format as you actively engage with experts from across Europe, enjoying valuable exchanges and experiencing the interactive nature of these sessions. Step into the future with our 75-minute roundtable, where we navigate the landscape of Embedded Services, Products, and Features in the Financial Sector, exploring the integration of financial solutions into everyday experiences.
MEET THE SPEAKERS
Valentina CARUSO
BancontactPayconiq
Renaud WINAND Basikon
Mark MUNNE
Isabel Group
MODERATOR
Rik COECKELBERGS The Banking scene 59
Digital Finance Summit 2023
MEET THE SPEAKERS
16:30-17:45 - Roundtable on How to manage innovation
Robert MASSE
Paynovate
Innovation Unleashed: Managing, Scaling, and Succeeding Join the excitement of our immersive round tables introduced last year, responding to the resounding request from our attendees to break free from the digital silence of the Covid era and move towards two-way knowledge sharing. Take advantage of the agora format as you actively engage with experts from across Europe, enjoying valuable exchanges and experiencing the interactive nature of these sessions. Dive into the realm of innovation with our roundtable, where our experts will guide you through the intricacies of managing the innovation pipeline, scaling ideas into tangible products, and selecting providers for successful innovation.
Dimitris PAPAVASILEIOU Netcompany
Frederic SIMOENS Area 42
MODERATOR
Inna KOSTIUK Worldline 60
Digital Finance Summit 2023
STAGE 4 / INTERACTIVE SESSIONS 9:15 - 10:30 - Roundtable on Regulation, Accelerator of Opportunities
Franck MANOUKIAN Regsharp
Regulatory Catalyst: Transforming Regulation into an Industry Collaboration Accelerator Join the excitement of our immersive round tables introduced last year, responding to the resounding request from our attendees to break free from the digital silence of the Covid era and move towards two-way knowledge sharing. Take advantage of the agora format as you actively engage with experts from across Europe, enjoying valuable exchanges and experiencing the interactive nature of these sessions. Embark on a groundbreaking exploration in our 75-minute roundtable, where we unravel the transformative potential of regulatory frameworks as accelerators of collaboration within our industry.
MODERATOR
MEET THE SPEAKERS
Francesco GAVANNA
Tom DEPRINS
Fabrick Fintech District
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Microsoft
Noelia ROMANILLOS ARRIBAS ServiceNow
Julien RENQUIN
Sopiad
Roel VERBEECK Ixor
MEET THE SPEAKERS
11:15 - 12:30 - Roundtable on Cybersecurity
Jan SONCK
Proximus Safeguarding Tomorrow: Cybersecurity in Finance Join the excitement of our immersive round tables introduced last year, responding to the resounding request from our attendees to break free from the digital silence of the Covid era and move towards two-way knowledge sharing. Take advantage of the agora format as you actively engage with experts from across Europe, enjoying valuable exchanges and experiencing the interactive nature of these sessions.
Nico SIENAERT
Dive into the critical realm of Cybersecurity in Finance in this insightful roundtable. Explore the evolving landscape of financial security, with a special focus on Quantum Security, as experts unravel the challenges and innovations in safeguarding the digital finance future.
MODERATOR
Microsoft
Sinouhe MONTEIRO Odoo
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STAGE 4 / INTERACTIVE SESSIONS 14:30-15:45 - Roundtable on Belgium: Strength and Opportunities
MEET THE SPEAKERS
Benjamin BEECKMANS Paynovate
Fintech Hub: Unveiling Belgium’s Strengths and Opportunities Join the excitement of our immersive round tables introduced last year, responding to the resounding request from our attendees to break free from the digital silence of the Covid era and move towards two-way knowledge sharing. Take advantage of the agora format as you actively engage with experts from across Europe, enjoying valuable exchanges and experiencing the interactive nature of these sessions. Explore the heart of Fintech innovation with our roundtable, as we unravel the factors that position Belgium as an enticing destination for Fintech companies. This discussion will dive into both existing strengths and potential areas for improvement, fostering a comprehensive understanding of Belgium’s dynamic Fintech landscape.
Benjamin DESSY Mastercard
Johan TORFS
Microsoft
MODERATOR
Dessi VITCHEVA
iReina
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MEET THE SPEAKERS
16:30-17:45 - Roundtable on Social Impact and Payment
Filip BRUTSAERT MIVB - STIB
Empowering Tomorrow: Citizen Development, Smart Cities, and the Future of Payments Join the excitement of our immersive round tables introduced last year, responding to the resounding request from our attendees to break free from the digital silence of the Covid era and move towards two-way knowledge sharing. Take advantage of the agora format as you actively engage with experts from across Europe, enjoying valuable exchanges and experiencing the interactive nature of these sessions. Join the excitement of our immersive round tables introduced last year, responding to the resounding request from our attendees to break free from the digital silence of the Covid era and move towards two-way knowledge sharing. Take advantage of the agora format as you actively engage with experts from across Europe, enjoying valuable exchanges and experiencing the interactive nature of these sessions. Embark on a journey into the intersection of Citizen Development, Smart Cities, and the future of payments in this roundtable. Explore the synergies that can shape the future of urban living, financial technology, and innovative payment solutions.
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Koen VANPRAET Bonsai
MODERATOR
Benoit SEYS
STAGE 5 / INTERACTIVE STAGE International stage
We’re excited to see the possibilities unfold!
This year, we’re thrilled to introduce an international stage, a new addition to the DFS that we hope will spark valuable connections and relationships across borders. We want to showcase the diverse and dynamic ecosystems of fintech hubs around the world meeting in Brussels at the heart of Europe, highlighting local support and resources for international expansion.
10:40 - Italy: Francesco Gavanna 10:50 - Barcelona: Elliott Locke 11:00 - Hong-Kong: Paula Kant
The stage will be open during breaks and lunch, providing a perfect opportunity to connect with other ecosystems and Belgian locals seeking to broaden their horizons.
12:50 - Hungary: Gabor Davidhazy 13:00 - UK: Elias Suliman 13:10 - Singapore: Bo Gao 13:20 - Luxembourg: Luca Mancuso 13:30 - The Netherlands: Don Ginsel 13:40 - Lithuania: Kamile Mazrime 15:45 - Czech Republic: Maria Staszkiewicz 15:55 - Romania: Nic Marius Balaceanu 16:05 - Norway: Niklas Sandqvist
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OFFERED BY
Join the best fintech networking party in Belgium! 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 delicious food, and make you dance with a unique concert.
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MAIN PARTNER
THANK YOU 67
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SUPPORTING PARTNERS
PLATINUM PARTNERS
DigitalKYC a
GOLD PARTNERS
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Digital Finance Summit 2023
solution
SILVER PARTNERS
COUNTRY PAVILION
BRONZE PARTNERS
innovation forward
REINVENTING INVOICING AND PAYMENT
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EU FINTECH PITCH BATTLE PARTNERS
COLLABORATIVE PARTNERS
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MEDIA PARTNERS
THANK YOU
AND SEE YOU NEXT YEAR... www.fintechbelgium.be www.fintechsummit.be www.digitalfinancesummit.com