Our Brochure_DFS24 by fintechbelgium2

LEVERAGING NATURAL INTELLIGENCE

BRUSSELS , DECEMBER 6TH

Fintech Belgium Welcomes Five New Board Members, Announces Leadership

Transition, and Appoints David Jacob as CEO

Fintech Belgium is excited to announce significant changes to its leadership team, aimed at reinforcing its mission to connect, collaborate, and innovate within the financial services industry. Toon Vanagt has been named as the new Chairman of the Board of Directors, bringing a wealth of experience and leadership to guide Fintech Belgium’s strategic direction. Additionally, five new members have joined Fintech Belgium’s Board of Directors: Amélie Breitburd, Brent Dedecker, Magali Van Bulck, Nico Vincent, and Robert Masse. Their collective expertise will strengthen the organisation’s ability to drive innovation and address challenges within the sector.

Reflecting on his new role, Toon Vanagt shared, “As one of the co-founders of Fintech Belgium and long-term master of ceremonies, I’m honoured by the trust my colleagues have placed in me to continue fostering connections within our vibrant ecosystem. It’s been truly rewarding to see our community grow to over 120 members, strengthening key relationships among banks, insurers, the financial services industry and their counterparts. I look forward to continuing this work by facilitating match-making between these key players, enhancing collaboration, and supporting innovation within our fintech community”.

INTRODUCING THE NEW BOARD MEMBERS

Amélie Breitburd brings over 30 years of experience in leading businesses, strategy, innovation, transformation, development and finance, holding executive roles at Lloyd’s Europe and AXA. She has actively supported

InsurTech innovation and serves on the board of CNP Assurances. Motivated to help Europe tackle decarbonation, demographics, and deglobalisation through technology, Amélie believes Fintech Belgium is well-positioned for this mission. She states, “I aim to promote dialogue and serve FTBE’s purpose, bringing strategic vision, energy, and network to support the team, and convene stakeholders in FinTech, adding a focus on InsurTech, solidifying the great work already done and accelerating.”

Brent Dedecker brings an energetic entrepreneurial spirit and a demonstrated commitment to fostering innovation and growth within the fintech and startup sectors. As a co-founder of the investment fund Seven Capital and accelerator Seven Camp, his efforts have reshaped Belgium’s startup landscape. With a track record of successfully launching and growing six companies, his passion lies in positioning Belgium as a leading hub for startups. “I intend to use my network and expertise to bridge gaps between emerging fintech companies and potential investors, facilitate meaningful partnerships, and drive innovation within the sector. My commitment is to create an ecosystem that not only supports fintech businesses in their growth and development but also promotes Belgium as an attractive destination for fintech innovation worldwide.” Brent shared

Magali Van Bulck, currently serving as the Head of Policy (EMEA) at Wise, brings extensive experience in the fintech sector, particularly in improving transparency in cross-border payments and advocating for financial inclusion. She is also actively involved in various industry boards and initiatives, including as board member for the International Association of Money Transfer Networks (IAMTN) and PayBelgium and as working group chair at the European Fintech Association. She also founded Accept My IBAN, a platform for consumers to report IBAN discrimination. Motivated by her belief in the transformative power of financial technology, she states, “I am delighted to channel my experi-

ence into driving growth and strengthening the powerful voice of Fintech Belgium. Our fintech scene tends to be hugely underrated. I want to help steer our community towards a future where Belgian fintech not only competes but leads on the international stage.”

Nico Vincent, a seasoned industry leader and founding partner of Sailpeak, brings nearly two decades of experience in Financial Services and Digital/ Tech. With impactful roles at Google, PayPal, Qover, and more, he has successfully led transformative projects, driving growth and innovation. His motivation is rooted in a genuine passion for fintech and entrepreneurship, stating, “I aim to bridge the gap between fintech startups and financial services corporates by implementing key initiatives to solidify Belgium’s position as a leading FinTech hub in the years to come”.

Robert Masse, an alumnus of Solvay Business School and ULB Law School, brings extensive experience in business setup, administration, and SME management. As the founder of several Belgian fintech companies like Giftify, Paynovate, Fintronik, and Loyalpay, he also serves as a business angel, investor, and coach to other ventures. Robert states, “I’m driven to help Fintech Belgium expand and enrich the local Belgian fintech landscape, leveraging my expertise and background to cultivate growth and innovation within our community.”

LEADERSHIP TRANSITION

We are also pleased to announce that Alessandra Guion will be transitioning from her operational role as CEO to join the Board of Directors in January 2025. After more than eight years of exceptional leadership, Alessandra has been instrumental in fostering collaboration and driving innovation within the fintech ecosystem. Her presence on the board will ensure the continuity of her visionary leadership. “As a board member, I am committed to promoting the development of digital finance in Belgium

through leveraging my extensive network, representing our ecosystem, and utilising my communication expertise. My goal is to further strengthen FinTech Belgium’s presence, solidifying Belgium’s position on the fintech scene, and ensuring ongoing collaborations with key stakeholders” Alessandra shared.

Additionally, we are happy to announce David Jacob as the new CEO of Fintech Belgium. He brings a remarkable track record to Fintech Belgium, having successfully co-founded a business and grown it to a robust organisation with 150 employees and 45 mio revenue. His deep understanding of business, starting and scaling an organisation will be invaluable to our growth and development. “I am excited to lead Fintech Belgium into its next chapter, focusing on Demand, Capital, Talent and Policy. My vision is to build on the solid foundation laid by Alessandra and drive the organisation forward by expanding our network, and creating more opportunities for our members and partners,” David stated.

GRATITUDE TO DEPARTING BOARD MEMBERS

We extend our heartfelt gratitude to our departing board members, Jean-Louis Van Houwe, Béatrice de Mahieu, and Pieter Lambrechts, for their significant contributions and dedication to Fintech Belgium. Their efforts have been instrumental in shaping the organization, and we wish them the very best in their future endeavours.

The newly expanded Board of Directors and leadership team will focus on creating a robust collaborative ecosystem. This collaborative approach not only strengthens the Belgian financial industry but also contributes positively to the broader economy, fostering sustainable development and competitiveness.

THE INITIATOR

FINTECH BELGIUM asbl/vzw

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 130 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:

• 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.

Our Team:

On May 2nd 2016, Fintech Belgium officially became a non-profit organisation grown from the spirit “by fintechers, for fintechers”. The team includes 13 board members, with Toon Vanagt as Chairman, Patricia Boydens as VP and Ambassador for our vertical Insurtech Belgium, Brent Christiaens as Treasurer, Joan Carette as Secretary, Jean-François Heering as Ambassador for our vertical Regtech Belgium, Bjorn Cumps, Xavier Corman, Johannes Vermeire, Amélie Breitburd, Magali Van Bulck, Nicolas Vincent, Robert Masse. 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 David Jacob 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.

Our Members:

We are a proud fast-growing community. In hardly 8 years, we represent more than 130 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.

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

EDFA

EDFA In the past year, Fintech Belgium has become a very proud founding member of one crucial non-profit association (see page 8. for more details).

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.

Founded in 2020, EDFA brings together fintech and vertical associations across Europe, representing several thousand companies, including startups, financial institutions, investors, and technology firms.

EDFA serves as a single point of contact to advocate for favorable policies and business opportunities.

Digital finance will strengthen the European economy and enhance the lives of consumers and businesses.

https://europeandigitalfinance.eu/

Our Objectives are...

• Foster collaboration within the EU digital finance ecosystem

• Represent digital finance players at the European level to Promote EU Single Market for Digital Finance Services,

Enhance the competitiveness of European companies.

Support an innovation-friendly regulatory framework

Develop an open data infrastructure to spur new product creation.

ASSOCIATED MEMBERS

OUR MEMBERS

AceGood

Our company provide ticketing solution integreted on Blockchain as NFT and Tokenisation platform for RWA sectors

www.acefund.io

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 ambitionsfaster.

With offices around the world, Adyen works with the likes of Meta, Uber, H&M, eBay, Kinepolis, Odoo and Deliverect

www.adyen.com/en

Area Payment

By Retailers – For Retailers

Aera is the dedicated Payment and Identification company created by and for retailers. Owned by some of the largest retailers, Aera specializes in delivering the payment and ID solutions that retailers need to stay competitive in a dynamic market.

Recent Achievement Aera recently received certification as a Bancontact acquirer and delivered ID, SCA and A2A payments within the Norwegian in-store Trumf Pay wallet, supporting retailers with cutting-edge solutions.

To learn more, visit us at www. aera.id. Also, please look up our partner and subsidiary Digiteal both at DFS and www.digiteal.eu

www.aera.id

Aguilonius

Aguilonius is a niche player in the domain of RegTech, providing software and services to Financial Institutions to comply with regulatory reporting obligations.

We offer easy SaaS solutions for reporting to the National Bank of Belgium, such as Schema A, CRDIV, Solvency II, Resolution Reporting, CAP-PCC, BECRIS CCR/ICR, etc…. We foster readiness for the ECB’s emerging Integrated Reporting Framework (IReF) and have a holistic view on the entire dataflow from source to disclosure.

www.aguilonius.com

AiVidens

Widely recognized within the Credit Management community, AiVidens is the AI-based dynamic credit management solution that revolutionizes receivables management.

This business innovation helps you identify customer payment behaviors, anticipate payment risks, predict cash flow forecasts, and optimize your collection efforts by focusing on the most effective actions aligned with your objectives. With AiVidens, capitalize on customer insights to maximize your working capital.

www.aividens.com

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.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.

www.amindis.com

Area42

AREA42 is Credendo’s innovation vehicle, leveraging TradeTech to create embedded finance solutions that lead to a fluid, risk-savvy B2B trade environment.

Terms.Tech is our flexible, deferred payment terms solution (B2B BNPL) for digital marketplaces, digital merchants, and PSPs.

GrowKap enables growing companies to get supplies they need by financing their supplier purchase orders.

FacturFlow is our (upcoming) upfront payment tool for B2B sellers who receive demands to offer longer payment terms.

www.area42.tech

Axonjay

AxonJay is offering automated AI-assistants globally, adopted for specific market:

AI-Sales assistant, AI-Private Fund assistant and AI-Custom assistant.

AI-Sales assistant provides real-time guidance on When, Why, and Which prospective customers to engage next. Reduce preparation time by 80%, increase lead qualification by 99%, improve conversion rates by 75%, and enhance engagement accuracy by 90%. Our AI-Sales assistant evolves with customer feedback, dynamically adapting to an ever-changing business environment.

www.axonjay.ai

Backbase

Backbase is on a mission to re-architect banking around the customer.

We are the creators of the Engagement Banking Platform – a composable platform that empowers banks to accelerate their digital transformation through progressively modernizing their main customer journeys.

From onboarding, to servicing, lending and investing, our platform streamlines every aspect of the customer and employee journey. Pre-integrated with leading core systems and cutting-edge fintechs, it enables institutions to unlock innovation at scale, driving instant value creation.

www.backbase.com

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

Basikon

Basikon is a core banking and lending platform with a strong andgrowing presence worldwide.

The solution has already been implemented in over 17 countries, with 100+ API connections, making it the only 100% API-driven and fully digital native platform. Basikon enhances agility and drives efficiency, positioning financial institutions to meet the dynamic demands of digital finance.

www.basikon.com

Bola Consulting

Bola Consulting specializes in providing comprehensive financial advisory services to businesses, including strategic planning, investment analysis, and risk management. They belive that a reactive and proactive approach will make your customers pay earlier and make them remain your customers

Bola Consultings services can be tailormade and compromise the following fields:

Operational assistance, Analysis and consulting, Outsourcing, Training

www.bolaconsulting.com

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. Paying attention.

Buckaroo is a leading payment service provider in Belgium and the Netherlands.

Buckaroo supports over 44,000 businesses with their payment solutions.

Next to online payment methods, Buckaroo extended its capabilities into point-of-sale and omnichannel solutions, with its own network of 22,000 fixed and mobile payment terminals. Buckaroo distinguishes itself with the level of their customer service. Buckaroo and attention for customer desires.

www.buckaroo.be

Build38 empowers companies with a mobile app business with a comprehensive Mobile App Security Platform, blending toptier Mobile App Self-Protection, cryptography and AI-driven Active App Hardening, with cloudbased mobile Threat Intelligence to ensure robust mobile app security while they focus on app development and growth.

www.build38.com

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

ByQwest

Banking-as-a-Service - New Generation

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-andplay modular products (cards, core banking, payments, etc.) to enjoy the best of embedded finance.

Benefit from vast technical expertise supporting your quick time-to-market with a proven track-record.

www.byqwest.com

Chaincomply

ChainComply provides enhanced Know Your Transactions (KYT) due diligence solutions for banks’ and VASPs’ AML departments and relieves them from stressing over their transactions with crypto exchanges.

We built a SaaS tool that scans the client’s crypto exchange (VASP) and blockchain transaction history to reveal the source of funds of crypto holders.

Our solution simplifies complex transaction streams and identifies high-risk transactions and patterns, enabling AML teams to understand their clients better and meet regulatory obligations efficiently.

www.chaincomply.io

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

Codenext21

Application and automation solutions with strong ML/AI needs

www.codenext21.com

Coeo

Customer Centricity meets AI. As a technology-based debt collector, we ensure the right balance. Thanks to a synergetic combination of state-of-the-art technology and human expertise, we not only achieve the settlement of your receivables almost automatically, but also maintain a sustainable balance in your business relationship. A perfect mix of efficient process automation and individual flexibility ensures sustainably balanced receivables and is tailored precisely to our customers’ needs.

www.coeo-incasso.be

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

Craft.it

Our headquarters and main operational center is based in Brussels since the beginning but we operate globally.

We are official ELITE Partner of Moody’s company to deliver Banking solutions based on our proven expertise in the sector.

Our vision is to promote a craftmanship Approach in the IT industry with audacious experienced experts, crafting IT as artisan watchmakers. It is a response by software developers to the perceived ills of the mainstream software industry.

www.craft-it.io

Curvo

Curvo improves the financial well-being of the next generation of Europeans 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

Dacx

DACX Stands for Data Analytics for Customer Experience

In 2023, Yannick Vandecappelle, the co-founder of DACX, marked a significant milestone in his entrepreneurial journey by launching DACX’s innovative suite of tools designed to revolutionize the customer experience. They developed a unique psychological model for constructing personae, blending open and company data. This method is more than just data analysis; it’s about capturing the authentic nuances of individuals, ensuring that every interaction with the customer is deeply human and genuinely engaging.

www.dacx.ai

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 prefill 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

Traditional data-sharing models fall short for modern needs in the financial industry, such as fraud prevention, open finance, and cross-border or cross-subsidiary collaboration. Datavillage redefines data and AI collaboration by enabling organizations to securely combine sensitive data, train AI models, and perform analytics—all while maintaining confidentiality and regulatory compliance.

Diasbytes

www.datavillage.me Digit89

Diasbytes streamlines your business operations with powerful document management and enterprise content search solutions. Our integrated platform, Diasonline, simplifies document management, workflows, and processes. Need answers fast? Infofinder.ai delivers instant results from your document content, seamlessly integrated with your existing tools. Experience the power of efficient, secure, and reliable document management.

www.diasbytes.com

Collaborative Reverse Factoring

www.digit89.com

Digiteal

As an authorized Payment Institution and a strong believer in European standards, Digiteal helps you get paid faster, more regularly and at a lower cost. We offer easy-to-integrate solutions that cover all needs for PEPPOL e-invoicing, electronic payments and open banking.

Want to implement best practices in payment collection and treasury management? Let’s find the best solution for your business.

Digiteal is part of Aera Payment & Identification.

www.digiteal.eu

Discai

Discai, a KBC Group subsidiary, leads AI-driven solutions to combat financial crime. Backed by KBC’s expertise, our team of 100+ data scientists develops tools like KYT AML (Know Your Transactions Anti-Money Laundering) to enhance AML processes within strict regulatory frameworks. Our collaboration between compliance experts and data scientists ensures solutions meet top legal and risk standards, providing financial institutions with trusted tools to fight financial crime.

www.discai.com

Divizend

Divizend is the leading international wealth-tax FinTech platform for the fastest way to reclaim foreign dividend withholding taxes.

Our software helps investors to reclaim their taxes by automating the withholding tax refund process. Divizend is the first FinTech worldwide to work on digitizing such a service in a novel, user-friendly and price-competitive way.

With our holistic approach verbalized by the claim “Find, Act, Maximize”, Divizend‘s platform will be the central place for investors striving for high dividend earnings, as they will find only the most relevant insights, research, analytics, and tax services there.

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

www.drebbel.eu

Duco

Duco is the enterprise platform for data automation - our vision is to reduce time spent on data-related work by 90%. We empower finance and operations teams with no-code, AI-powered technology that automates the front-to-back processing of structured and unstructured data, from data extraction, classification and preparation to data validation, reconciliation, exception management and publication to downstream platforms.

www.du.co

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

Elmore

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 scale-ups, 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. 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

The European Payments Initiative (EPI) is building a payment solution backed by 16 European banks and merchant service providers. Using Europe’s instant account-to-account payments infrastructure and removing intermediaries from the payment flow, EPI’s Wero digital wallet enables next-generation payments for consumers and merchants for every type of retail transaction. Wero also offers person-to-person (P2P) and person-to-professional (P2Pro) payments and soon, attractive value-added services. www.epicompany.eu

Exthand

Exthand allows their clients to access one API that connects to the API’s of 95% of the banks in Europe, UK and Israel. These API connections allow for two things: instant, Account to Account payments and the retrieval of data from bank accounts in these banks. This can be used to make payments cheaper and faster, do credit scoring, improve accountancy flows and much more. Talk to us to learn everything!

www.exthand.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 advice 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 fintech headquartered in Brussels, specializes in delivering software solutions tailored to card issuers, acquirers, and merchants. Its core Offering consists of:

1. Scheme Fee & Interchange Monitoring and Calculation: FinFlag’s software suite includes tools for monitoring and calculating scheme fees and interchange rates.

2. Reconciliation Tool: FinFlag provides robust reconciliation engine to reconcile clearing, settlements, processor, scheme, and bank files.

3. ERP for BIN sponsor and Acquirers: A suite of billing, collection, and accounting modules offering a comprehensive Enterprise Resource Planning (ERP) solution designed specifically for issuers and acquirers.

www.finflag.com

Finrack

Finrack is a revolutionizing cutting-edge digital solution for inventory-based financing, empowering businesses to tap into the hidden value of their inventory. Access fast, flexible, and efficient funding to boost cash flow without disrupting operations. Key Benefits: Speed & Flexibility, Improved Cash Flow, No Added Debt. Finrack evaluates and purchases your inventory, you receive a call option to repurchase it later at a set price, Inventory stays on-site, with rolling redemptions to maintain smooth operations.

www.finrack.com

Fipto

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.

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.fipto.com

Gambit

Gambit Financial Solutions specializes in developing and implementing cutting-edge digital solutions for the investment advisory sector. Our mission is to place client preferences at the heart of financial investment advice through innovative technology. Gambit empowers financial institutions by transforming savings into financial investments, deepening client relationships, and optimizing profitability with advanced AI. Our solutions digitize services while preserving essential human interaction, reshaping how financial management is delivered and perceived.

www.gambit-finance.com

Giftify

Giftify is more than a gift card provider. Our platform serves shopping centres, retailers, and city centres worldwide, transforming traditional gift cards into powerful marketing tools. We provide a complete and smooth operational foundation for a seamless omnichannel purchase experience. We focus on compliance and risk mitigation, offering tailored solutions that adhere to local business practices.

www.giftify.me

GraydonCreditsafe

At GraydonCreditsafe, we empower companies to make smarter & faster decisions by delivering actionable insights on credit risk, compliance risk, fraud risk, and ESG performance. Leveraging cutting-edge technology and advanced data analytics, we help our clients navigate today’s complex landscape with insights. Our innovative solutions are designed to mitigate risk, enhance compliance, and promote sustainable growth in an evolving regulatory environment. As a fintech leader, we are dedicated to transforming how organizations approach risk management, ensuring they stay ahead of emerging threats while fostering a financially healthy business.

www.graydoncreditsafe.be

Greenomy

Greenomy stands at the forefront of ESG reporting solutions, providing corporates with a seamless pathway to compliance with frameworks including CSRD, EUTaxonomy, GRI, & ISSB.

Leveraging our SaaS portal, Greenomy unifies complex regulatory demands into a coherent data model, fortified by ESG data libraries & the power of Generative AI.

This empowers organisations to simplify the creation of comprehensive sustainability reports, allowing ESG teams to focus on driving impactful transformations.

www.greenomy.io

Harmoney

Looking to further automate compliance workflows like KYC, AML and KYT?

Our team provides leading banks and insurers in Europe with a comprehensive end-toend digital platform, streamlining compliance processes across front-office, back-office, and end-clients.

The Harmoney platform facilitates seamless (remote) onboarding, high-response remediation campaigns and full client-life-cycle management, also for complex corporate structures

www.myharmoney.eu

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 end-to-end KYC management from onboarding and remediation to continuous monitoring in a single platform and compliant framework.

www.hyarchis.com

IbanFirst

Trust Beyond Borders

Founded in 2016, iBanFirst has quickly established itself as the leading alternative for businesses that trade and carry out international payments concerning multiple currencies.

iBanFirst offers a next-generation cross-border payment experience so that executives and finance teams can get direct access to currency markets, receive, send and track payments and develop tailored hedging strategies.

www.ibanfirst.com

IndexaCapital

Indexa Capital is one of the leading independent automated investment manager in Europe, available in french in Belgium.

Indexa offers its services of index funds portfolio management with total costs and fees of 0,70 % yearly on average. Indexa works with Saxo Bank Belgium as depositary for its customers accounts.

The company currently manages more than 1,8 billions € of more than 67 thousands customers (updated 10/2023)

www.indexacapital.com

Insitely

Insitely is a powerful SaaS solution that harmonises financial data for businesses of all sizes, from investors and companies navigating M&A to SMEs needing accurate insights.

By seamlessly connecting to accounting systems like Yuki and Exact Online, it saves time and reduces risk.

Using AI for future predictions, it delivers insights that drive smarter decisions.

M&A professionals gain transparent, secure data for confident decision-making, while SMEs benefit from reliable tools for growth.

www.insitely.eu

Insurnode

InsurNode pioneers insurance policy management, using advanced smartcontract tech. Our platform streamlines the creation, management, and distribution of innovative insurance products for carriers, MGAs, and brokers.

As authorized underwriter, we craft tailored insurance solutions for brokers and private entities committed to industry innovation.

Discover SWINZ, our flagship all-in-one policy covering a wide range of everyday risks. Watch quotes seamlessly convert to signed contract in minutes.

www.insurnode.com

Intelli-select

Complex problems are often solved with complex software solutions requiring precision in interaction & programming to get results.

Our solution introduces an intuitive dialogue between the business user and the software within a knowledge module, representing, for example, financial securities, collateral eligibility, profilesfund strategies, ESG investment, intentions financial securities.

www.intelli-select.com

Intix

Intix is the leading data management company that serves global transaction banks around the world. Intix has developed the most comprehensive, onestop-shop technology solution for financial institutions to develop a competitive advantage using transaction data. From finding the needle in the transaction haystack, fixing the friction in the transaction flow, and knowing transactions as deeply as possible for compliance and audit, Intix helps financial institutions serve their clients better and streamline compliance operations.

www.intix.eu

Investsuite

InvestSuite is a B2B InvestTech company. With our suite of white-label InvestTech solutions, we help financial institutions accelerate their digital transformation journey so that they can stay ahead and thrive in this increasingly digital world.

Our offering - e.g. StoryTeller for hyper-personalised portfolio performance reporting, or Insight APIs to guide wealth customers in their investment decisions - empowers our clients to launch the most engaging investing experiences for their customers.

www.investsuite.com

Ireina

With iReina, managing GDPR risks is as comfortable as driving a fully-equipped luxury car on a bumpy road. Named after the Spanish word “Reina,” meaning Queen, iReina’s intuitive platform offers complete autonomy, with integrated expert frameworks, automated workflows, and easily exportable reports for audits and due diligence, saving hours. Trusted by banks, healthcare tech, fintech, and ESG platforms, iReina has swiftly reduced GDPR risks for its clients from high to medium within months.

www.ireinasoftware.com

In the fast-moving finance world, it’s easy to get caught up in quick fixes and short-term goals. But at Isabel, we believe there’s a better way. By connecting through an ecosystem where collaboration sparks innovation, we help drive change in payments, verified corporate data exchange, and fraud prevention. We’re here to make your financial management easier, safer, and always up-to-date, while embracing fresh ideas for the future.

www.isabelgroup.eu

It’sme

Since 2017, itsme® is the leading digital identity in Europe, setting the standard for secure mobile identification and data protection. Used by 7+ million consumers and more than 2,000+ organizations, the itsme® app enables secure identification, login, transaction authorization (including payments), qualified electronic signatures, and secure sharing of official documents. Available in 16 European countries, itsme® continues its international expansion.

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

Keyrock

Keyrock is a technology-driven digital asset market maker active on 85+ trading venues worldwide. With their proprietary algorithmic technologies, Keyrock provides scalable, adaptable liquidity solutions for marketplaces and asset issuers. Keyrock’s aim is to increase the liquidity of financial assets, to make markets accessible and more efficient for all participants. Keyrock was founded in 2017 in Brussels, today it also has an office in the UK and over 100 team members across the world.

www.keyrock.eu

Lipefi offers European startups smart working capital through credit cards in combination with insights and control to optimize cash flows and manage business expenses.

Our innovative underwriting model leverages dynamic credit risk assessment based on actual customer data, enriched with third party data, automated KYC/KYB and Open-Banking.

www.lipefi.com

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

Mifundo

Cross-border credit data for banks.

One single source for unified pan-European credit bureau data, complemented with open banking. Pan-EU credit score. Reduces the credit risk of banks´ foreign customers up to 7x, raises the business volumes by 15%. Verified and Passportable Financial Identity for consumers. Licensed by FSA. Europe Fintech of the Year 2023. Banking Tech Award 2023. Awarded by 10 million funding from European Innovation Council (EIC) / European Investment Bank (EIB) in 2024.

www.mifundo.com

MoneyOak

Founded in 2016, MoneyOak specialises in tax incentives for innovation and is the leader in the implementation of the Payroll Tax Exemption, the Innovation Income Deduction and Grants. Our financial, legal and scientific experts intervene to save customer’s time. The advanced technical and operational knowledge of our experts is the guarantee of a high added value service. And because we are confident of achieving results, we only apply a “no cure, no pay” methodology

www.moneyoak.be

Moneytrans

Moneytrans is a leading money transfer company and one of the fastest growing fintech in Europe. With more than 3.000 agencies in Europe Moneytrans serves more than 10 million customers to send money to 140 countries and 450.000 locations. Over the years, we have widened our range of services to offer a complete solution to overseas workers: FX solutions, bill payments, prepaid cards, mobile top up and customised 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 through smart digital solutions. In these times of rising inflation, challenging global markets and people’s needs for more flexibility, companies of all sizes are rethinking their HR and compensation policies. That’s where Monizze comes in. We re-package your regular extra-legal advantages into intelligent solutions: no administrative hassle, tons of value, easily accessible and manageable.

www.monizze.be

Mozzeno_Fintensy

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

To prove your identity on the internet, you increasingly need an identity card (eID) and card reader.

With myID.be® you can use our myID.be® 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.

Don’t have a smartphone or tablet? No problem: logging in with your identity card and card reader is still possible!

www.myid.be/Business

MyPOS

myPOS is your one-stop-shop for payments

myPOS is an innovative fintech company providing micro businesses and SMEs everything they need to accept payments and manage various aspects of their business; from POS terminals to online payment tools.

It is the first and only fintech company in Europe to offer merchants instant settlement of funds at no additional cost; improving cashflow.

myPOS helps business grow with a “no contract” solution, no monthly costs and low rates. Get paid with myPOS

www.mypos.eu

Neterium

Neterium is an API-native regtech, founded in 2017 by a team having a combined 85-year 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

Nickel

Nickel offers a payment account accessible to everyone. The account can be opened in 5 minutes in one of our 550 Nickel Points, for €25 a year. You get an international Mastercard® Debit and a nominative Belgian IBAN. With your account you can manage and track your transactions in real time (web, mobile, SMS) and pay safely online or in stores across the world. To date, more than 4 million Nickel accounts have been opened through a distribution network of over 10,000 points of sale in Europe.

www.nickel.eu

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

Ogloba

Managing closed-loop payments for major retailers, benefitting from PSD2 exemptions.

www.ogloba.be

OkiOki

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 the Peppol network, 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

Openstone

Openstone is the platform that provides access to the largest international real estate private equity funds, usually reserved for institutional investors and wealthy individuals.

Openstone has established partnerships with 4 of the 5 largest fund managers, companies such as BlackRock, EQT, Carlyle and ARES, whose minimum investments are €10m, allowing its investors to access these funds through feeders starting 10 000€, or through their fund of funds, Openstone Prime, that invests in all of these top funds.

www.livretp.fr

Oper

Oper is a leader in AI-powered cloud-based mortgage software, ensuring a digital origination that supercharges efficiency from contact to contract. Collaborating with 16 financial institutions across 6 European countries, Oper’s end-to-end solutions deliver 81% faster mortgage decisions, 90% firsttime-right scores, and a 25% increase in customer conversion rates.

www.opercredits.com

Optiniti

Optiniti helps companies reward their employees in an optimized and tax efficient way through warrant, option and incentive plans. Remuneration is heavily taxed in Belgium. By transforming variable pay or a 13th month into options, no social security contributions are due, which results in a higher net amount. We also help aligning the interest of employer and employee through option plans on own shares, either quoted or unquoted. Winwin solutions for both employer and employees!

www.optiniti-group.com

Pay4 climate

Pay4Climate is a Walloon start-up, that has developed a “pro-climate” payment solution, based on blockchain technology, for businesses.

www.pay4climate.com

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

With our smart software, organizations can easily create, send and automatically track their invoices. Thanks to easy-to-use 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 2,800 customers in Europe.

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

www.pom.be

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

Qover enables companies to orchestrate digital insurance experiences, enriching their value proposition and driving the user behaviours that fuel growth. Since it was founded in 2016, Qover’s co-founders had a clear vision of the future of insurance: it must be simple, transparent and accessible across borders – a global safety net. To that end, Qover’s modular embedded insurance orchestration platform provides seamless digital insurance experiences to over 3 million users across 32 European countries, and works with longstanding partners like Revolut, Qonto, Monzo, ING, Monese, Deliveroo, Fisker, NIO, Canyon and many others. www.qover.com

Quideos

Quideos is a start-up that develops hedging solutions to secure the price of all agricultural products (including fruits, vegetables, meat, fish, fertilizers, cereals, etc.). These solutions target the entire agri-food sector (farmers, cooperatives, manufacturers, distributors) so that each player can secure their margin in the face of agricultural price volatility.

www.quideos.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

Regnology

Getting the data right and getting the right data is crucial for banks when it comes down to regulatory reporting.

Therefore, banks rely on b.fine to transform their time-consuming, inefficient reporting processes into an effective reporting supply chain.

Through our unique mix of services and technology solutions, we are leading banks from regulatory reporting towards regulatory intelligence.

www.regnology.net

RiskConcile

RiskConcile develops Risk and Regulatory Technology for the financial sector. Our areas of expertise include PRIIPs, Transaction Costs, AIFMD Annex IV, ESG, and general Risk Management. We are consulted on a regular basis to develop bespoke technological solutions or provide assistance with complex data science or risk engagements. RiskConcile’s team consists of software developers, data scientists and experienced former financial services professionals, which allows us to speak the language of our clients. The company is headquartered in Leuven

www.riskconcile.com

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.rockestate.be

Safe transactions

Safe Transactions has an innovative approach to reducing the volume of system alerts generated when problematic payments are screened before remittance.

The solution also protects customers from unnecessary payment delays, and account freezes or closures.

The solution will also alert customers to irregular activity in their cards and bank accounts. Regulators will also see a corresponding reduction in the number of suspicious activity reports.

www.safetransactions.ai

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 offthe-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

Scudi

Scudi is pioneering a breakthrough in the HR & FinTech sectors by offering an innovative B2B SaaS revolutionizing how employees access and manage their earned wages. By providing a payment infrastructure for instant transfers of earned wages directly into employees’ bank accounts, using secure real-time processing via an EMI which ensures seamless and instant access to funds. Hereby included is gamification for financial awareness — a significant departure from traditional payroll systems.

www.scudi.me

Sevenseed

Seven Seed is transforming Belgium’s startup ecosystem with an own platform for fast, compliant incorporation. Through its “Incorporate in Seven Days” program, founders can establish any kind of entity, accessing services like VAT registration and financial planning.

In collaboration with Seven Capital and Seven Camp, Seven Seed provides growth capital, mentorship, and EU grant support, guiding startups from launch to international expansion and positioning Belgium as a tech innovation hub.

www.sevenseed.eu

Sevenyoken

SevenYoken creates autonomous AI accounting agents that master live document processing in accounting firms. Our agents handle the overwhelming tasks: data entry, invoice processing, bank reconciliation and client communication - all while applying VAT rules and tax legislation. Working 24/7, they perform bookkeeping tasks with tax knowledge and push verified transactions to your system. The future is here - already operating in accounting firms today.

www.sevenyoken.be

SK ID

At SK ID Solutions, we specialize in providing secure and efficient e-identity and digital signing solutions to help businesses streamline their operations and build trust with their customers.We are proud to say that our e-identity solutions, like Smart-ID, are now used by over 4 million people globally, earning us the respect and trust of more than a 1000 businesses worldwide.Our commitment lies in providing trusted services and certified technology that help private and public organizations expand their reach into new markets and connect with millions of new customers.

www.skidsolutions.eu

SKWIZ

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-inclass 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.

www.skwiz.ai

Sopiad

Spin-off from HEC Liège Management School, SOPIAD is a Belgian RegTech whose mission is to empower financial institutions with scientific-backed resources and insights they need to succeed in today’s dynamic and responsible market.

We help our customers move from portfolio management and financial advice based on a risk-return duo to risk-return-sustainability analysis, trade-offs and extra-financial reporting as part of a single, simple, fully integrated process.

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

StadimData

By developing user-friendly digital applications for real estate professionals, StadimData facilitates property valuations and market analyses using advanced data analysis and artificial intelligence (AI). As a sister company of Stadim, the largest independent real estate advisor in Belgium, StadimData combines in-depth real estate expertise with technological innovation

www.stadim.be

Subite

Your Partner in FinTech. Finance and Technology has the capacity to disrupt and revolutionise how people interact and how they do business. Recently things have accelerated in the industry and technology, regulation and in general customer expectation is evolving at breakneck, never before seen speed and complexity. Subite can help big and small, old and new FinTech. We can provide assistance in innovative business models, strategic partner choices, organisational setup and technology choices.

www.subite.eu

Swan.io

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.

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.swan.io

Swave

Our Swave app rewards people for buying in cities, simply while they pay cashless or scan their receipt. Swave’s business tool allows merchants big and small to hypertarget new customers and lift average spending based on purchase behavior, location and the weather forecast.

www.swave.be

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

Treezor

Treezor is the BaaS precursor that embeds tech, regulatory and security aspects into its offer to provide access via API to the entire payment chain.

Founded in 2016 and acquired in 2019 by Société Générale group, Treezor is an Electronic Money Institution authorized by the ACPR to operate in 25 countries and is a Principal Member of the Mastercard network.

Treezor devotes a significant part of its resources to developing new technology, supporting innovation, and customers’ growth strategies.

www.treezor.com/en

Tricount

Founded in 2010 by Jonathan Fallon and Guillebert de Dorlodot, Tricount simplifies sharing expenses for travel, activities, and daily life. Offering an easy and safe solution for those who want to split costs with friends and family, Tricount was acquired by bunq in 2022, making bunq the second largest neobank in the EU now serving more than 10 million users across Europe.

www.tricount.com

Twikey

Twikey provides a one-stop shopping experience for recurring payments, offering all payment methods such as direct debit, recurring credit cards,... via numerous partners such as banks and payment service providers.

We streamline your financial operations and enhance customer satisfaction by maximizing conversion to recurring payment methods, automating transactions and following up on failed transactions.

www.twikey.com

Ulalo

ULALO is a blockchain SaaS platform revolutionizing multi-party processes. Our AI-powered NoCode platform simplifies workflow creation, integrating seamlessly with industry-specific data connectors and blockchain components. Ideal for the insurance sector, ULALO streamlines operations, boosts efficiency, and ensures data privacy.

www.ulalo.io

Vadis Technologies

Vadis Technologies is a fast growing Brussels based regtech, we build TPRM & KYB solutions.

We propose Flair Diligence, a B2B SaaS platform to evaluate risks on suppliers, in a 360 view (financials, ESG, compliance) to make supply chain compliant (CSDDD) and sustainable

Flair not only allows you to have an immediate view of your risks related to your business partners, in an interactive report and in a portfolio view, but also to perform your due diligence through an evaluation workflow and approval process adapted to your internal organization.

www.vadis.com

Visa

As part of our purpose to uplift everyone, everywhere by being the best way to pay and be paid, Visa collaborates with Fin-techs, by delivering payment solutions and making life better for consumers, businesses and communities. At Visa, we maintain an open network between part-ners, clients and Fintechs to ensure inno-vation flourishes and remains unhindered. As the world becomes ever more digital-ised, 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

Wise is a global technology company building the best way to move money around the world.

With the Wise account people and businesses can hold more than 40 currencies, move money between countries and spend money abroad. Large companies and banks use Wise technology too; an entirely new cross-border payments network that will one day power money without borders for everyone, everywhere. However you use the platform, Wise is on a mission to make your life easier and save you money.

www.wise.com

Fair and transparent investment portfolio valuation for the investor, advisor, or portfolio manager. Portfolio historical performance and structure overview, fees, taxes, risk analysis and expected return. Up to date position and security-level P&L. Manual and auto-follow rebalancing, pluggable optimization and AI modules. Multi-asset aggregated custodian accounts. Model, synthetic portfolios and benchmarks keeping. State of the art PDF reporting, web access, analytics API for mobile.

www.woltix.com

Yields

Yields is an international technology company providing an award-winning SaaS suite for financial institutions to stay in control of their models. The modular and model agnostic solution empowers firms to oversee, test and document their models at scale while ensuring full reproducibility and auditability. Leading global and local firms have successfully deployed the Yields MRM Suite to boost the effectiveness and efficiency of their model development and validation activities.

www.yields.io

Zeno indices

ZENO-Indices is a Fintech spinoff from HEC / ULiège. We, at ZENO-Indices, thrive to develop best-in-class measures of control within shareholding structures to assist M&A experts; asset managers; equity analysts; economists; and supervisory bodies.

www.zeno-indices.com

DIGITAL FINANCE SUMMIT PARTNERS

Mastercard

Mastercard is a global technology company in the payments in dustry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transac tions safe, simple, smart and accessible.

Using secure data and networks, partnerships and passion, our innova tions and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.

www.mastercard.be

Visa (NYSE: V) is the world’s leader in digital payments. Our mission is to connect the world through the most innovative, reliable, and secure payment network - enabling individuals, businesses, and economies to thrive.

Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company’s relentless focus on innovation is a catalyst for the rapid growth of digital commerce on any device for everyone, everywhere. As the world moves from analog to digital, Visa is applying our brand, products, people, network, and scale to reshape the future of commerce.

In Belgium, Visa has been a leading and trusted brand in card payments for many years. Initially renowned for our credit cards, Visa recently developed its debit card activity. By 2025, we will reach about 6.5 million Visa Debit Cards with Belgian issuers. Our Belux office is located in the heart of Brussels.

Since 2021, Visa is proud to be a partner of Fintech Belgium, putting us at the heart of the fintech ecosystem in Belgium and Europe. We support fintechs, build partnerships, and invest in them because we believe that collaborative work can facilitate the delivery of the next generation of payment solutions. Ultimately, these advancements will enhance the lives of consumers, businesses, and communities.

www.Visa.be

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

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

Paynovate

Disruptive, innovative and ambitious

With a vision to change the way companies do business, GraydonCreditsafe transforms the efficiency and performance of businesses through innovative data-driven solutions.

help our clients navigate today’s complex landscape with insights. Our innovative solutions are designed to mitigate risk, enhance compliance, and promote sustainable growth in an evolving regulatory environment.

As a fintech leader, we are dedicated to transforming how organizations approach risk management, ensuring they stay ahead of emerging threatswhile fostering a financially healthy business

www.paynovate.com

Sevenyoken

Junior accountants used to be human.

SevenYoken is pioneering autonomous AI agents that operate at the skill level of junior accountants (for now). Our agents independently handle entire accounting workflows, ensuring every transaction is precisely matched, coded, and reconciled - transforming complex financial operations into a scalable, efficient commodity.

These AI agents go beyond simple automation, demonstrating true accounting intelligence in their work. Each agent maintains complete audit trails while performing sophisticated multi-point verification, matching invoices against purchase orders, delivery notes, and bank statements - all with the accuracy of a trained junior accountant but with enhanced consistency and 24/7 availability. Our autonomous platform has already proven its capabilities, processing millions of documents through AI accounting assistants with 95% autonomous accuracy.

SevenYoken is transforming financial operations into a utility-like service. By handling routine financial tasks autonomously, our AI agents free your human experts to focus on strategic analysis and value-added services.

www.sevenyoken.ai

Yields

Yields helps companies to manage the risks of AI. Our platform is used by both international and local banks as well as other companies that build or use high-stakes AI systems. With our software, our customers ensure compliance with regulation (e.g. the EU AI Act), improve the quality of their models and reduce the time spent on documentation and testing. Yields has its head office in Ghent (Belgium), with sales offices in London and New York.

Yields’ mission is to reshape the narrative of Model Risk Management. By championing MRM, we aim to instill a universal understanding of its necessity, prevent the misuse of mathematical models and their algorithms, and make their use in high-risk environments safe and reliable.

www.yields.io

British Embassy Brussels

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.

Blink part of the Country Pavilion of British Embassy

Blink Parametric is a cutting-edge technology platform that revolutionises the insurance value chain by automating claims for insurance partners and their end customers. Our platform empowers insurers to provide immediate, real-time benefits to their customers at the exact point of need, reducing the inefficiencies and frustrations commonly associated with traditional claims handling.

www.blinkparametric.com

Encompass

Corporation

part of the Country Pavilion of British Embassy

Encompass enables fast, accurate identity validation and verification of corporate customers, and a gold standard approach to KYC. Our award-winning corporate digital identity (CDI) platform and innovative solutions incorporate real-time data and documents from authoritative global public data sources and private customer information, to create and maintain digital risk profiles.

www.encompasscorporation.com

Flexys

part of the Country Pavilion of British Embassy

Flexys provide next generation enterprise SaaS debt management and collections software. We improve and automate manual collections processes. Our software provides data-driven, tailored debt resolution journeys for our clients’ customers. This helps clients to mitigate financial, regulatory and reputational risk.

Clients resolve more debt, more efficiently. Their customers benefit from multi-channel communications, real-time updates and a frictionless experience. Our software has more than 3 million end users and our clients manage over £12bn of debt.

www.flexys.com

mdotm

part of the Country Pavilion of British Embassy

MDOTM Ltd is a leading provider of Generative and Analytical AI solutions designed for banks, insurance firms, asset managers, and wealth management companies. Its proprietary platform, Sphere, allows clients to seamlessly integrate AI technology, boosting investment efficiency with actionable AI-driven insights, scalable portfolio management, and tailored portfolio commentaries and reports generated by controlled Generative AI.

By combining advanced Analytical and controlled Generative AI with deep financial market expertise, MDOTM Ltd enhances human decision-making, scales investment processes efficiently, and provides personalized insights for every client.

Pytilia

part of the Country Pavilion of British Embassy

Pytilia helps organisations futureproof their business….With an established track record in delivering software solutions and a range of international clients including some of the biggest names in IT, Pytilia has a particular focus on Financial Services specialising in RegTech/Compliance, WealthTech & Data Pipelines. Our multi-layer, multi-dimension surveillance & compliance solution combines the “best of both” of rules-based & AI-powered analysis and has enjoyed very positive feedback from end users e.g. from its deployment with a major US Wealth Management SaaS Provider under FINRA supervision. www.pytilia.io

www.mdotm.ai

Digital Jersey

Digital Jersey represents and promotes Jersey’s digital industries offering FinTechs and Innovators a centre of excellence to develop and deliver their ambitions. We believe in a future where technology seamlessly integrates into the financial sector, enhancing efficiency, accessibility, and security for all.

Our mission is to accelerate this transition by nurturing groundbreaking ideas, fostering robust partnerships, and providing an unmatched ecosystem that empowers innovation at every level.

Daysium

part of the Country Pavilion Digital Jersey

A mobile app for Financial Services Executives and HNWIs to help you Plan, Track and evidence your travel for tax compliance purposes.

www.daysium.com

Moneybrain

part of the Country Pavilion

Digital Jersey

The Moneybrain crypto wallet and payment platform provides a secure digital bridge between traditional money and cryptocurrencies.

www.moneybrain.com

Flinq

part of the Country Pavilion Digital Jersey

Agile cash management solution for corporates of all sizes.

www.flinq.io

Hungarian Fintech Association

The Hungarian Fintech Association (HFA) is an industry association that unites all members of the domestic fintech ecosystem, from startups to mature companies, as well as incubators and accelerators.

We work to help decision-makers, authorities, regulatory bodies, and institutions better understand the functioning and needs of the fintech sector. Our vision is for Hungary to become a country that offers attractive growth and development opportunities for fintech companies.

part of the Country Pavilion Hungarian Fintech association

Cardinal Informatics Ltd. is a leading software development company in Hungary, specializing in internet, mobile, and API banking solutions. Our flagship product, Electra, is a white label, omni-channel, innovative digital banking platform that supports the growth and efficiency of financial institutions. Electra is the trusted choice of Hungary’s leading banks, setting a new standard in digital banking experience, functionality, and security.

www.cardinal.hu

CryptoSoft

part of the Country Pavilion

Hungarian Fintech association

CryptoSoft Ltd. is an innovative software developer company with academic partnerships operating in Budapest, Hungary. Their main field of expertise is the design, development and operation of Blockchain and crypto systems, distributed services, Web3 and DeFi ecosystems, AI and Fintech solutions

www.cryptosoftcompany.com

Intuitech

part of the Country Pavilion

Hungarian Fintech association

Intuitech is a pan-European financial technology studio with ~200 digital experts specializing in custom software and AI development for banks (including Fortune 500 companies). We were awarded by MasterCard’s Best Digital Banking UX Solution in 2022 and 2023. As European leaders in Gen AI-powered banking solutions, we utilize an agentic network to automate complex banking workflows. Our live agents deliver outstanding results in both functionality and accuracy.

www.intuitech.studio

MBH Fintechlab

part of the Country Pavilion Hungarian Fintech association

MBH Fintechlab is the CEE region’s leading innovation hub, part of MBH Bank. In a rapidly changing environment, every organization must prepare for changes and challenges, and the best way to do this is through innovation. Through strategic startup investments and events, we uncover the latest technologies, solutions, and emerging startups. But our mission goes beyond investment. We educate, forecast emerging trends, shape opinions, and represent the bank in IT, fintech, and startup communities.

www.fintechlab.hu

Tőkeportál

part of the Country Pavilion

Hungarian Fintech association

Founded in Budapest, TokePortal.com was Hungary’s first equity crowdfunding platform, launching several successful campaigns. To expand internationally under the European Crowdfunding Service Provider Regulation (ECSPR), it relocated to Malta under MFSA supervision. As a licensed provider, TokePortal.com manages public capital raising of startups/SMEs in the EU, offering tradeable securities up to €5M annually.

www.tokeportal.com

Approach

Approach Cyber is a pure-play cyber security and privacy company. We believe that everyone deserves digital peace-of-mind. This is our vision for a society where there is confidence and security in the digital world. Therefore, our role is to bring cyber serenity to society.

Every day, we take care of your cyber security while you focus on your business. Above all, we care about people, and you can count on us to go beyond expectations.

www.approach-cyber.com

Area42

AREA42 is Credendo’s innovation vehicle, leveraging TradeTech to create embedded finance solutions that lead to a fluid, risk-savvy B2B trade environment.

Terms.Tech is our flexible, deferred payment terms solution (B2B BNPL) for digital marketplaces, digital merchants, and PSPs. GrowKap enables growing companies to get supplies they need by financing their supplier purchase orders.

FacturFlow is our (upcoming) upfront payment tool for B2B sellers who receive demands to offer longer payment terms.

www.area42.tech

Bancontact Payconiq

Bancontact Payconiq Company was created in 2018. Back then, the World Cup was held in Russia, while the people of Britain were ecstatic about Harry and Meghan’s fairy-tale wedding.

It seems like a lifetime ago. Yet, it shows how fast things can change in just a few years! Payment habits are changing rapidly. And the end of this acceleration is nowhere in sight, as card and mobile payments become a natural part of our daily life.

At Bancontact Payconiq Company, innovation is part of our DNA.

www.bancontactpayconiq.com

Basikon

Basikon is a core banking and lending platform with a strong and growing presence worldwide.

The solution has already been implemented in over 17countries, with 100+ API connections, making it the only 100% API-driven and fully digital native platform.

Basikon enhances agility and drives efficiency, positioning financial institutions to meet the dynamic demands of digital finance. Discover more on our website: www.basikon.com

www.basikon.com

Dataiku

Dataiku is the platform for Everyday AI, enabling data experts and domain experts to work together to build data into their daily operations, from advanced analytics to Generative AI. Together, they design, develop and deploy new AI capabilities, at all scales and in all industries. Organizations that use Dataiku enable their people to be extraordinary, creating the AI that will power their company into the future.

Founded in 2013, Dataiku has proven its ability to continue to develop its founding vision for Everyday AI, and to execute on its growth.

www.dataiku.com

Digiteal

Get paid faster, more regularly and at a lower cost by optimizing your Invoice-to-Cash flow with our smooth API integration.

E-invoicing? Easy access to PEPPOL.

Payment? Improved collection thanks to QR codes, Pay buttons, SDD, Terminals, etc.

Open Banking? Automatic retrieval of your bank movements.

Go Digiteal! A Payment Institution and a TPP (AIS/PIS) authorized by the National Bank of Belgium and a Certified PEPPOL Access Point, that brings unique added value to your national and international projects.

Digiteal is part of Aera Payment & Identification.

www.digiteal.eu

Inthepocket

As Europe’s finest digital product studio, In The Pocket develops better products for bigger futures. We design and build digital products and platforms end to end, supporting your digital roadmap in ML, Strategy, Architecture, Software Engineering, and UX. Our in-house team of over 200 experts ensures a bright digital future. Since 2010, we’ve created over 400 digital products for companies like Payconiq by Bancontact, SD Worx, Itsme, BNP Paribas, Liantis, and KBC.

www.inthepocket.com

Isabel

www.isabelgroup.eu

Itsme

www.itsme-ID.com

IXOR

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!

www.ixordocs.be

Monizze

www.monizze.be

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 easyto-use 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 2,800 customers in Europe.

www.pom.be

Scalac

At Scalac, our team of 80+ experts delivers high-quality software solutions that help FinTechs innovate and scale. Modern financial systems demand a specialized tech stack - Scala, Akka, Java, Spark, blockchain - and that’s precisely where our expertise shines.

Your projects, whether existing or new, get the attention they deserve. Working seamlessly with your in-house teams - remotely or on-siteScalac builds scalable solutions that match the high demands of financial technology services.

At Scalac, we help FinTech companies scale by strengthening their development teams and speeding up their projects. Complex ideas quickly transform into working solutions, accelerating time-to-market for any FinTech product. We design scalable architectures that handle increased loads while ensuring top-tier security and compliance standards.

Let us handle the technical heavy lifting - from infrastructure consultation to end-to-end system design - so you can focus on growth. Over a decade of experience and a 98% satisfaction rate across 120+ projects prove Scalac’s ability to transform FinTech challenges into opportunities

www.scalac.io

Regnology

Regnology’s exclusive focus on regulatory reporting uniquely positions us to enhance data quality, efficiency, and cost savings.

Over 35,000 financial institutions, 70 regulators and tax authorities rely on solutions to process their regulatory data. Leveraging our modular cloud-native offering covering the entire reporting value chain, our dedicated global team assists clients in navigating regulatory changes effortlessly.

Simont Braun

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.

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

Sopiad

SOPIAD is a RegTech company empowering financial institutions with scientific-backed resources and insights to succeed in today’s dynamic and responsible market. Grounded on years of academic research and guided by seasoned wealth management and academic experts, we help financial intermediaries personalize the investing experience.

www.sopiad.com

COMPLIANCE & INVESTING EXPERIENCE, FRIENDS OR FOES?

With SAFIR, put compliance to work for product distribution and customer relations

EFFICIENCY IN COMPLIANCE, EXCELLENCE IN CUSTOMER TRUST

Swan.io

Swan is the leading European fintech specialized in embedded banking. Companies of all kinds can unlock the full potential of their product by embedding banking features such as accounts, cards, and payments.

Founded in 2019, Swan processes over 1 billion euros of transactions per month, for 100+ companies, and operates across thirty European countries. Swan is a Mastercard principal member and a licensed financial institution, regulated by the French banking authority.

www.swan.io

Worldline

Worldline is a leading technology company in the payments and transactional services industry, recognized as the European leader and fourth largest player worldwide. Our mission is to empower a seamless and secure digital economy that benefits individuals, businesses, and societies by simplifying transactions and enhancing accessibility.

With a commitment to innovation and sustainability, we are the trusted partner for fintechs, merchants, banks, public transport operators, government agencies, and industrial companies. Our global reach is supported by over 18,000 dedicated employees in more than 50 countries, all working towards fostering growth and opportunity for our clients. Payments to grow your world.

www.worldline.com

We are your partner along the entire card and payments value chain.

Blink

part of the Country Pavilion of British Embassy

www.blinkparametric.com

part of the Country Pavilion Hungarian Fintech association

www.cardinal.hu Cardinal

CryptoSoft

part of the Country Pavilion Hungarian Fintech association

www.cryptosoftcompany.com

Daysium

part of the Country Pavilion Digital Jersey

A mobile app for Financial Services Executives and HNWIs to help you Plan, Track and evidence your travel for tax compliance purposes.

www.daysium.com

Encompass Corporation

part of the Country Pavilion of British Embassy

Febelfin Academy

Learning, key for evolution’, that is what we truly believe in at Febelfin Academy.

We assist financial professionals in developing their knowledge and skills, preparing them for every next step in their career 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

Flexys

part of the Country Pavilion of British Embassy

www.flexys.com

Flinq

part of the Country Pavilion Digital Jersey

Agile cash management solution for corporates of all sizes.

www.flinq.io

Intuitech

part of the Country Pavilion

Hungarian Fintech association

www.intuitech.studio

MBH Fintechlab

part of the Country Pavilion Hungarian Fintech association

www.fintechlab.hu

MDOTM

part of the Country Pavilion of British Embassy

Moneybrain

part of the Country Pavilion

Digital Jersey

The Moneybrain crypto wallet and payment platform provides a secure digital bridge between traditional money and cryptocurrencies.

www.moneybrain.com

www.mdotm.ai

Pytilia

part of the Country Pavilion of British Embassy

SaaS Provider under FINRA supervision.

www.pytilia.io

Sirris

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?

www.sirris.be

Time.lex

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.

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

Tőkeportál

part of the Country Pavilion Hungarian Fintech association

www.tokeportal.com

PROGRAMME

FLOORPLAN

EXHIBITORS

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.

EXPERIENCE THE DFS IN THE BEST WAY

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.

Agenda LEVERAGING NATURAL INTELLIGENCE

We are delighted to kick off our splendid event with insights from the CEO of Febelfin and the President of Fintech Belgium.

The opening keynotes will address the impact of artificial intelligence on natural intelligence and, therefore, on human beings—whether they are collaborators, clients or users.

9:00 Welcome by Alessandra Guion, FinTech Belgium

9:10 Opening by Toon Vanagt, FinTech Belgium and Karel Baert, Febelfin

9:20 Opening keynote by Alicia Ngomo Fernandez, VISA

Toon VANAGT Chairman of FinTech Belgium & Managing Partner at Data.be

Karel BAERT CEO Febelfin

Alicia NGOMO FERNANDEZ Head of Visa Consulting & Analytics VISA

Alessandra GUION

Board member at FinTech Belgium & EDFA

STAGE 1 / MAIN STAGE

09:45-11:00 Augmented Finance: Beyond Payments

If you think payments have reached the end of their evolution, you need to attend this session. Instant payments are expected to become widespread, and new types of payments will continue to emerge. We’ll also take this opportunity to gain a broader view of the fintech sector and the state of the market in Europe.

The keynotes will be followed by a 45-minute panel discussion on the evolution of digital finance in Belgium and Europe. Beyond payments, what are the latest trends? How did the digital finance market perform in 2024, and what should we expect in 2025 and beyond

KEYNOTE SPEAKERS PANELISTS

Lirka

BIBEZIC

Global Head of Product ManagementReceivables

BNP Paribas

Arne M.

ROETZMEIER

Head of Product VISA

Benoît

VAN DEN HOVE

CEO

Euronext Brussels

Marnix

VAN DEURSEN

Country Lead Benelux

Swan

Arne M.

ROETZMEIER

Head of Product VISA

Frank

VERHAEST

Product Marketing Manager Isabel

Peter OP DE BEECK

Chair Auric

Thierry MORIN

Vice PresidentInternational Development Benelux Aera Payment & Identification

MODERATOR

Rik COECKELBERGS

CEO

The Banking Scene

STAGE 1 / MAIN STAGE

11:45 - 12:50 Leveraging Regulation for Expansion

Regulation is a key issue globally, but particularly in Europe. There are still many digital finance regulations to be implemented within the European Union. The question is: how can we turn regulation into a strength for our businesses?

We are pleased to welcome the National Bank of Belgium to present trends in prudential regulation in Belgium, along with a presentation on how collaboration helps address the challenges posed by this topic.

Our moderator, Joan Carette, will engage the panellists to share their perspectives on regulation: how they have turned it into a strength and an opportunity, and how they envision the future of regulation within the European Union.

KEYNOTE SPEAKERS PANELISTS

Tim HERMANS

Executive Director

NBB

Desiree KUPERS

Product Manager

Isabel

Aoife

HOULIHAN

Vice President, Government Engagement

VISA

Pierre

NEMETH

CEO

Sopiad

Michael

NIJS

Founder & CEO

Maiky

Magali VAN BULCK

Head of EMEA Policy

Wise

Reza

GHADIRI-ZARE

General Counsel

Keyrock

MODERATOR

Joan CARETTE

Fintech Belgium

Simont Braun

STAGE 1 / MAIN STAGE

14:10 - 14:35 Afternoon Opening Session

Opening the afternoon, we will have two important keynotes on mastering artificial intelligence and the evolution of the tech sector, particularly fintech, in Belgium.

Opening by Alessandra Guion, FinTech Belgium

Opening by Pierre Hermant, Finance&invest. brussels

Opening keynote by Caroline Louveaux, Mastercard

SPEAKERS

Pierre HERMANT CEO finance &invest.brussels

Caroline LOUVEAUX Chief Privacy and Data Responsibility Officer Mastercard

Alessandra GUION Board member at FinTech Belgium & EDFA MODERATOR

STAGE 1 / MAIN STAGE

14:40 - 15:45 Leveraging Natural Intelligence

You can’t go five minutes without hearing the term “Artificial Intelligence,” whether in the context of digital finance or elsewhere. However, we must not forget that AI is designed for human beings with very natural intelligence, whether they are clients, users or workers.

Our speakers will share their experiences with AI in their organizations, the impact it has had on employees, and the new challenges in human resources.

Our panel will discuss inclusivity and ESG topics: will technology further exclude certain groups, or will it include individuals who are often marginalized today? They will also explore ESG issues, which may seem less prominent lately, but is that really the case?

KEYNOTE SPEAKERS PANELISTS

Anthony BELPAIRE

Head of AI

BNP Paribas Fortis

Lien VAN

RENTERGHEM

Group Head Learning and Development

Euroclear

Hind SALHANE

Head of ESG GraydonCreditsafe

Lorraine DE FIERLANT

General Director Microstart

Emmanuel LEGRAS

CEO Belgium Nickel

FrançoisGuillaume DE LICHTERVELDE

Chief of Staff Greenomy

Diane NOLAN

Senior Advisor

Leadership

Intelli-select

MODERATOR

Bernard

NICOLAY

Adjunct Professor

Solvay Brussels School

STAGE 1 / MAIN STAGE

16:30 - 17:45 The power of Data

AI is a data-hungry giant. However, it is crucial to use this data in compliance with regulations while also ensuring effective utilization, despite the diversity of sources, quality, or constraints.

Our speakers will share their experiences, visions, and some lesser-known applications of this vast amount of data.

Our panellists will delve into this more technological track by questioning the power of new solutions and their potential contributions to their organizations or those of their clients and users.

KEYNOTE SPEAKERS PANELISTS

Caroline LOUVEAUX

Chief Privacy and Data Responsibility Officer

Mastercard

Frederic LEBEAU

CEO Datavillage

Jean-Philippe SCHEPENS

Founder & CEO

AxonJay

Jos GHEERARDYN

CEO Yields

Anthony BELPAIRE

Head of AI BNP Paribas

Frederic LEBEAU

CEO Datavillage

Jean-Philippe SCHEPENS

Founder & CEO

AxonJay

MODERATOR

Marc TAYMANS

CEO

Connectis Group

STAGE 1 / MAIN STAGE

17:45 - 18:10 Closing ceremony

Awards Ceremony for the European FinTech Pitch Battle

The main stage will close with a fascinating fireside chat featuring Rudy Aernoudt, offering a more holistic vision of digital finance and its impact on our society.

After the closing speeches, we’ll proclaim the winners of the European Pitch Battle.

AWARD CEREMONY PARTNERS

KEYNOTE SPEAKERS

Amelie BREITBURD

Board member

FinTech Belgium

Rudy AERNOUDT

Professor BMI/UGent

MODERATOR

Alessandra GUION

Board member at

FinTech Belgium & EDFA

STAGE 2 / EUROPEAN FINTECH PITCH BATTLE

HERE IS THE PROGRAMME PITCHES (5 MIN PITCH + 5 MIN Q&A)

9:45 - 11:00

1st session

1 year later by Sopiad, winner of Prizeof Public 2023, by Pierre NEMETH (Sopiad)

1. ULALO

2. ACE Good

3. ChainComply

4. iReina

5. Finanz 11:45 - 13:00

2nd session

6. Lipefi

7. BE Blockchain

8. Pay4You

9. ByQwest

10. D-Carbonize

14:40 - 16:00 3rd session

1 year later by Investsuite, winner Scale-up2023, by Lotte VERHEYDEN (Investsuite)

11. Fleuron AI

12. MDOTM Ltd

13. GoDutch

14. Complok

15. Yields NV

16:30 - 17:45

4th session

1 year later by Aidonic, winner of Coup de Coeur award 2023, by Gabriel SEVERIYOS (Aidonic)

16. Lendrise

17. ZAPPTAX

18. Build38

19. FinFlag VOTE FOR YOUR FAVOURITE PITCH

Poll available in the Pitch sessions in the agenda Selin SUNTAY COO Newmoney AI MODERATORS

Jean-Christophe VERCAUTEREN

FinTech Lawyer

Osborne Clarke

MEMBERS OF THE JURY

Amy DALTON

Fintech Growth Hunter, Innovation Euroclear

Gabriel DARTOIS

Account Executive Belgium Visa BeLux

Henri DEWAERHEIJD

Country Mngr

Mastercard

Fabienne DE KIMPE Area Manager Invest hub.brussels

Stan JEANTY Principal VoltaVentures

Antoine KUYPERS

Investment Manager Finance&Invest Brussels

Kris MERTENS

Venture Acceleration Manager imec

Isabelle TENNSTEDT

Partner Seeder Fund

Niamh GWATKIN

FinTech Innovation Lab Head Accenture

STAGE 3 / INTERACTIVE SESSIONS

9:45 - 11:00 Roundtable on Data and Regulation

OPPORTUNITIES FOR GROWTH

Exploring the balance between data utilisation and regulatory compliance, this roundtable delves into strategies for leveraging data while adhering to stringent financial regulations.

Experts will discuss the latest regulatory frameworks, data privacy laws, and best practices for data governance. Participants will learn how to innovate within the boundaries of regulation, ensuring both legal compliance and maximised data-driven opportunities for growth and efficiency in financial services.

MODERATOR

Jean-François HEERING

Vadis Technologies

MEET THE SPEAKERS

Edwin JACOBS Timelex

European Commission

Digital Jersey

Alice GUEDEL

Edmund HATTON

Robert MASSE Paynovate

STAGE 3 / INTERACTIVE SESSIONS

11:45-12:50 Roundtable on Cybersecurity & Fraud Detection

DATA USAGE AND SCALABILITY

This roundtable will focus on the vital role of cybersecurity in fintech, exploring the foundational principles for designing secure systems and achieving essential certifications, particularly in scalable operations.

Industry experts will share insights on best practices for leveraging data to detect and prevent fraud. Participants will gain practical knowledge on building resilient systems to safeguard sensitive financial information and learn about emerging solutions that enhance control over fraud and cyber risks.

MODERATOR

VITCHEVA

iReina

MEET THE SPEAKERS

Fireside Chat of 20 mins at the beginning

Peter

GAZELLE

GraydonCreditsafe

Belgium NV

Datavillage

MARCHEWKA

Scalac

Claire

DEPREZ

Worldline

Frederic LEBEAU

Dessi

Lukasz

STAGE 3 / INTERACTIVE SESSIONS

14:40-15:45 Roundtable on Whitening the Black Swan

MEET THE SPEAKERS

Qover

PARAMETRIC INSURANCE

This roundtable delves into the advanced predictive models that insurance companies need to foresee and mitigate the impact of natural disasters, often referred to as “Black Swan” events.

Experts will discuss the latest developments in data analytics, machine learning, and AI-driven models that enhance the accuracy of disaster predictions. Participants will learn how to utilise these predictive tools to improve risk assessment, pricing strategies, and claims management, ultimately enhancing resilience and customer trust in the face of unpredictable natural events.

Blink

Parametric

MODERATOR

Amélie

BREITBURD

FinTech

Belgium

Quentin COLMANT

Perry MCSHANE

STAGE 3 / INTERACTIVE SESSIONS

16:30-17:45 Roundtable on Successful AI Usage

SHARING SUCCESS

This session brings together successful companies to share their real-world use cases of AI in financial services.

Discussions will highlight the practical applications of AI, including customer service, fraud detection, risk management, and personalized financial advice. Attendees will gain valuable insights into the benefits and challenges of AI implementation, learning from the experiences of leading fintech innovators.

MODERATOR

MEET THE SPEAKERS

Dataiku

Bastien DURAND

Thomas NOKIN Basikon

Nicolas VINCENT

Sailpeak

Alessio FIORE MDOTM Ltd

Tom VAN ASBROECK Sevenyoken

STAGE 4 / INTERACTIVE SESSIONS

9:45 - 11:00 Classroom on Instant Payments and the latest developments

FOCUS ON INSTANT PAYMENTS - UPDATE ON THE SCHEME AND THE NEW REGULATION

The new rules on Instant Payments will improve the strategic autonomy of the European economic and financial sector.

The regulations for Instant Payments will allow people to transfer money within ten seconds, at any time of the day, including outside office hours, not only within the same country but also to another EU member state. This classroom provides an in-depth understanding of Instant Payments, with a focus on Europe. We explore the EPC-SCTinst scheme, clearing and settlement of Instant Payments and the impact of new regulations on EMI and PI. Finally, we explore practical applications of Instant Payments and the evolution towards the ‘new normal’

Francis DE ROECK Febelfin Academy MEET THE SPEAKER

STAGE 4 / INTERACTIVE SESSIONS

11:45 - 12:50 Classroom on Fundraising or IPO?

HOW TO [PREPARE AND] MAKE THE RIGHT CHOICE?

Navigating markets which remain under pressure from macroeconomic and political events is key, and it implies having the right capital structure to support on-going projects and avoid any short term financing issues.

In the medium term, an IPO provides also a visibility and a capital discipline which is very often sought after. Our experts will be available to discuss both routes, how they interact and how they can be prepared.

MEET THE SPEAKERS

HOUILLIER

HSBC

Pierre-Emmanuel

Constance DE WAZIERS

STAGE 4 / INTERACTIVE SESSIONS

14:40-15:45 Workshop on Dora and Fintechs

ADAPTING TO NEW SUPPLY CHAIN EXPECTATIONS

Join us for a focused discussion on the Digital Operational Resilience Act (DORA) and what it means for fintechs operating within the supply chains of regulated organizations.

Hear firsthand insights from one of our clients navigating these changes and explore practical strategies to align with evolving requirements. This is your chance to understand the challenges and opportunities DORA presents for the fintech sector.

MEET THE SPEAKER

Dorian PACQUET

Approach

Cyber

Jorien DECROOS

Approach

Cyber

Nicolas RIGO

Itea

Consulting

STAGE 4 / INTERACTIVE SESSIONS

16:30-17:45

Classroom on Integrate with AI Assistance

SUCCEEDING IN AN AI AGENTS WORLD

The AI agents are here, (don’t) panic! The year is 2025, your customers stopped interacting with your organisation through an app.

Instead they’re assisted in their daily lives by AI agents that take care of their personal life, their finances and parts of their job, all in a convenient way. In this workshop you get to create a flight plan for your organisation and think about which steps you need to take to make it succeed in an Agent world.

MEET THE SPEAKERS

Peter VERMAERCKE

InThePocket

STAGE 5 / INTERNATIONAL STAGE

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.

The stage will be open during lunch, providing a perfect opportunity to connect with other ecosystems and Belgian locals seeking to broaden their horizons.

We’re excited to see the possibilities unfold!

12:50 UK - Elias SULIMAN

13:00 Jersey - Arron BROWN

13:10 Wales - Laura NORRIS

13:20 Italy - Camila VISANI

13:30 Romania - Nic Balaceanu

13:40 France

13:50 Hungary

FINTASTIC NETWORKING PARTY

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 food and drinks, and make you dance.