How they describe themselves: Salt Edge is a global fintech company specialized in Open Banking APIs. The company provides a range of cutting-edge solutions such as Open Banking Unified Gateway (AISP/PISP), PSD2 Compliance solution for banks, White Label Retail Banking and Lending Solutions, and Data Enrichment API to banks, lenders, credit bureaus, and fintechs.

ISO 27001 certified, the company employs the highest international security measures to ensure stable and reliable interoperability channels between financial service providers and their users. Connected to 3,100+ financial institutions in 61 countries, Salt Edge brings comprehensive financial data at the fingertips of over 250,000 end-users daily.

How they describe their product/innovation: Salt Edge has created a unified Open Banking Gateway that allows financial institutions to access 3000+ banks across the EU and beyond for account information and payment initiation purposes. Besides bringing thousands of bank APIs into a single gateway, Salt Edge adds value to clients via data enrichment services, from financial categorization, merchant identification, and financial health check to payee verification during the payment flow. Salt Edge offers 24/7 support to ensure that client business is up and running at any time. During Finovate, Salt Edge will showcase the seamless Open Banking user experience via a Client Demo Portal.

Product distribution strategy: Direct to Business (B2B)

Contacts

Bus. Dev.: Lisa Terziman, [email protected], + 44 77 1286 7339
Press: [email protected]

How they describe themselves: REACH’s platform innovates digital customer engagement & improves complex workflows:

1. Our no downloads required platform includes video/audio remote interactions with documents collaboration, e-signatures, ID verification, co-browsing, supplemental files upload & audit trail.
2. The platform allows switching from a customer self-service mode session to a customer-agent remote live session (& vice versa).
3. REACH easily integrates with your backend system and enables bi-directional data flow to and from the forms to backend systems.

How they describe their product/innovation: REACH’s platform innovates digital customer engagement & improves complex workflows:

1. Our no downloads required platform includes video/audio remote interactions with documents collaboration, e-signatures, ID verification, co-browsing, supplemental files upload & audit trail.
2. The platform allows switching from a customer self-service mode session to a customer-agent remote live session (& vice versa).
3. REACH easily integrates with your backend system and enables bi-directional data flow to and from the forms to backend systems.

Product distribution strategy: Direct to Business (B2B)

Contacts

Bus. Dev. & Press: Yair Ravid, CEO & Co-Founder, [email protected], +1 415 6964667

How they describe themselves: Qwil Messenger, was founded in 2017 and rapidly grew from 3 directors, Peter Reading (CEO), Nicolas Georges (CTO) and Laurent Guyot (CFO) to nearly 20 staff members across 8 different nationalities. The team is based in London and is backed by Schroders (who described them as the “WhatsApp for professional services”), named top 10 solution to help companies on GDPR and one of the first “companies to watch” by the Investment Association.

How they describe their product/innovation: Qwil Messenger is a safe and compliant client chat platform.

Qwil Messenger is a single chat app for everyone, allowing clients of multiple firms to safely engage with their staff representatives within a branded space, fully controlled and coordinated by each firm. Every aspect of our platform has been designed to meet the most stringent security and privacy requirements of the world’s largest regulated firms. Our complex and proprietary technology design allows us to deploy our servers rapidly across multi-jurisdictions and host to almost any data centre, in any location (or locations), at low cost and with instant scalability.

Product distribution strategy: Direct to Business (B2B), through other fintech companies and platforms

Contacts

Bus. Dev. & Press: Laurent Guyot, CFO, [email protected], +44 79 7711 7829

How they describe themselves: truID is a local South African fintech company that has created a data sharing ecosystem, inspired by Open Banking, to securely and reliably share digital personal financial information between consumers and credit providers or other interested parties that require warranted proof of identity, address or financial capacity. truID, as an advocate of digital transformation in the financial industry, strongly focuses on privacy, authenticity and regulatory compliance, creating value for our customers rather than only providing the enabling technology. truID is committed to be the leading enabler of financial innovation for consumers and businesses.

How they describe their product/innovation: truID’s innovative Collect Platform enables consumers to safely and rapidly share their digital banking information with third parties in a manner that guarantees ease-of-use and privacy for the consumer, and authenticity and standardisation for the recipient of the data. By providing both original bank statements (PDF) as well as bank transaction history (JSON) through a simple API, the Collect Platform can be easily integrated in an existing business process without jeopardising regulatory compliance. The Collect Platform emphasises on maximising user adoption by optimising the user experience and user trust for each of the supported workflows: online, in-store or call-center.

Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms, licensed

Contacts

Bus. Dev. & Press: Dmitry Drabkin, Co-Founder, [email protected], +27 847 16 1542

How they describe themselves: Topicus was founded in 1998 in The Netherlands with the ambition to make a positive impact on society with IT solutions. Improvements that Topicus aims at are those things that we all see in daily life, and of which we wonder why these things cannot be done in a smarter way. The 1000 employees of Topicus are divided in different divisions: Health, Education, Legal, Government and Finance. Justifiably, we can claim that all 17 million Dutch citizens are in contact with Topicus in one way or another, for example, if their child’s education is not monitored and stimulated with help of Topicus solutions, then most likely their mortgage is processed via Topicus solutions.

How they describe their product/innovation: Fyndoo powered by Topicus is the lending platform that makes lending more accessible, efficient and transparent. Connecting all parties throughout the loan life cycle: entrepreneur, advisor, accountant and financial institution employees.

Having a long track record in developed countries, Fyndoo will now also help millions of (M)SMEs globally that operate in emerging and frontier markets. These entrepreneurs face tremendous challenges when it comes to arranging financing. Fyndoo, combined with the Internet of Things and latest satellite technologies, aims at making finance more accessible for these entrepreneurs by enabling financial institutions to track investments in almost real-time and continuously monitor quality.

Product distribution strategy: Through financial institutions

Contacts

Bus. Dev.: Jamie Burink, Head of Business Lending, [email protected]
Dimitry Oosthoek, Head of Internationalization & Innovation, [email protected]
Press: Marloes Bulthuis, [email protected], +316 1423 8340

How they describe themselves: RISQ was founded in late 2015 to bring a radically new approach to financial software and to revive an industry which seems to have become stuck in regulation and has achieved only marginal improvements by simply automating manual processes. RISQ is the first commercial lending platform which combines an operational platform with AI, also enabling the user to execute proposals the AI tool suggests. This ‘smart automation’ brings radical improvements such as approving a SME loan in hours rather than days or weeks. Our philosophy is to meet the highest expectation of efficiency and effectiveness in the sphere of financial software – to make business as easy, useful, and engaging.

How they describe their product/innovation: RISQ offers AI-enabled credit assessment solutions for commercial lending including SME, corporates and FIs which reduces credit decision times up to 50% and reduces overall credit cost to 1/5 of the current costs. It manages the entire credit decision process from initial data collection, scoring, limiting proposals until final credit contract creation is to be signed by the customer. The key innovation is an embedded AI component, which is able to forecast the probability of a positive credit decision during the initiation process and ranks the credit applications accordingly. It also uses AI to suggest to the relationship manager what specific information to collect in order to make this application successful.

Product distribution strategy: Direct to Business (B2B), through other fintech companies and platforms

Contacts

Bus. Dev.: Michael Jesse, CEO, [email protected]
Ubaldo Tambini, Managing Director, [email protected]   
Press: Michael Jesse, CEO, [email protected]

How they describe themselves: Now based in Canada, RattleHub began its journey in South Africa and maintains a highly effective small team in Centurion. We believe in a world where people own and control their data, and connect with trusted partners, so they can make better decisions and protect themselves and their loved ones from unnecessary cost and risk.

We deliver on that mission through three products: permyssion (the core personal data enrichment platform), Advisor Console (to enable integrated financial service providers to better serve their clients and grow their business), and Estate Console (to close out a deceased person’s estate quickly and cost effectively).

How they describe their product/innovation: As our lives have become more digital, they have also become more fragmented. RattleHub enables you to take control of your fragmented digital life through a structured and holistic personal information management platform called permyssion (my permission).

Users of permyssion can make better decisions more efficiently, and protect themselves and their loved ones from unnecessary cost and risk.

A growing ecosystem of integrated banks, wealth advisors, insurance companies and other financial service partners will enable frictionless engagement, approvals, and transactions of all sorts. Benefits for integrated firms will include enhanced view of their clients, improved client retention, upsell and cross-sell, and acquisition.

Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions, through other fintech companies and platforms

Contacts

Bus. Dev.: Mark Uria, Dir. of Sales (South Africa), [email protected]
Steve Watt, CRO, [email protected]
Press: Wynand van Niekerk, Head of Digital & Community, [email protected]

How they describe themselves: Top Image Systems™ (TIS) is a global innovator of intelligent content processing solutions. Accelerating document-driven business processes, providing customers with the technology to automatically and digitally transform any information entering an organization into useful and accessible electronic data, efficiently delivering it into the applications that drive any business.

We operate internationally with over 180 employees located in branch offices in the United States, Germany, UK, Latin America, Singapore, Australia, and Japan. We automate critical business processes for over 1,000 manufacturers, governments, utilities, insurance companies, large financial institutions and banks, as well as Shared Service and BPO organizations.

How they describe their product/innovation: Top Image Systems’ eFLOW Intelligent Capture is designed to operate in high-volume situations, regardless the scale of most companies’ unstructured data capture challenges.

Our solution has comprehensive abilities to manage the broadest collection of content formats and sources. Our configurable platform is able to address ever-changing business needs over time. Data extraction coupled with Machine Learning, a branch of AI and dynamic redaction is integral to unlocking information and customer insights, where digital transformation is crucial for banks/financial institutions to survive and thrive

Product distribution strategy: Direct to Business (B2B)

Contacts

Bus. Dev.: Goh Wei Hao, Technical Account Manager, [email protected]
Press: Rachel Lam, Field Marketing Manager, [email protected]

How they describe themselves: Topicus was founded in 1998 in The Netherlands with the ambition to make a positive impact on society with IT solutions. We do this by considering the entire value chain and rethinking roles and cross-organizational processes. We call this ‘connected banking’: consumers and entrepreneurs can seamlessly switch between self-service and advice; bank decisions are highly automated with finance specific rule engines and innovative process management.

How they describe their product/innovation: Fyndoo powered by Topicus: The lending platform that makes lending more accessible, efficient and transparent, connecting all parties throughout all loan product life cycles.

SME’s, homeowners and other consumers are guided throughout the lending application process; from quick online orientation via origination, fulfillment, acceptance and execution; all powered from a single, open loan product and process management workbench. Where possible, the customer performs actions, seeks help with external advisors or bank staff. All involved see the same data and apply the same rules, resulting in optimal loan processing in shorter time with less staff and full compliance.

Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms

Contacts

Bus. Dev.: Jamie Burink, Head of Business Lending, [email protected] & Dimitry Oosthoek, Head of Internationalization & Innovation, [email protected]
Press: Elise Oude Scholten, [email protected], +31 618 60 0072

How they describe themselves: RISQ was founded in late 2015 to bring a radically new approach to financial software and to revive an industry which seems to have become stuck in regulation and has achieved only marginal improvements by simply automating manual processes. RISQ is the first commercial lending platform which combines an operational platform with AI enabling the user also to execute proposals the AI tool suggests. This ‘smart automation’ brings radical improvements such as approving a SME loan in hours rather than days or weeks. Our philosophy is to meet the highest expectation of efficiency and effectiveness in the sphere of financial software – to make business as easy, useful, and engaging as possible.

How they describe their product/innovation: RISQ offers AI-enabled credit assessment solutions for commercial lending including SME, corporates and FIs which reduces credit decision times up to 50% and reduces over credit cost to 1/5 of the current costs. It manages the entire credit decision process from initial data collection, scoring, limit proposal until final credit contract creation to be signed by the customer. The key innovation is an embedded AI component which is able to forecast the probability of a positive credit decision at the initiation of the process and ranks the credit applications accordingly. It also uses AI to suggest to the relationship manager what specific information to collect in order to make this application successful.

Product distribution strategy: Direct to Business (B2B), through other fintech companies and platforms

Contacts

Bus. Dev.: Michael Jesse, CEO (RISQ), [email protected] & Ubaldo Tambini, Managing Director (CRIF MEA & APAC), [email protected]
Press: Michael Jesse, CEO (RISQ), [email protected]

How they describe themselves: RootAnt specializes in helping international financial firms in Asia. With a combination of experts from finance, design, technology and International Cooperation, RootAnt empowers global financial institutions to transform to a cross-platform and user-friendly financial platform with apps and services that improve end user experience, including front-end replacement, application enhancement and gamification. They have presence in Shanghai, Hong Kong, and Singapore and cooperate with clients and partners from over 10 countries in verticals of bank, broker, asset investment and wealth management. RootAnt also takes the role of representative to sell products in China making the transactions more effective and less time-consuming for international companies.

How they describe their product/innovation: RootAnt is devoted to helping international financial institutions improve their user experience and localization with its rich financial experience at catering to local user habits.

Product distribution strategy: Direct to Business (B2B)

Contacts

Press: Jessica Sun, Project Manager, [email protected]

How they describe themselves: The Siam Commercial Bank PCL was Thailand’s first indigenous bank, established in 1906 under Royal Charter and currently serves as Thailand’s second largest commercial bank.

Today, SCB is a leading universal bank, offering deposits and lending and a wide range of other products and services, to meet the needs of all customers.

Our services are backed by our extensive banking network and continual pursuit of technological innovation.

Under the vision to serve as “The Most Admired Bank,” we established a strategic plan called SCB Transformation, designed to dramatically upgrade the Bank’s infrastructure and enhance its long-term competitiveness to respond to the rapid change in the financial industry and keeping new consumer behavior in mind.

How they describe their product/innovation: SCB StartBiz is an application to open up business accounts for any juristic customer.

The platform has the ability to conduct a digitized Know Your Customer (KYC) check in real time, confirming the ultimate beneficial owner of the company and removing the struggle of gathering and signing multiple documents.
The business account can thus now be created from formally weeks to minutes (including all commercial product subscriptions) on a single tablet device with the only requirement being the customer’s ID card and signature.
Why? StartBiz is fully digitally connected to more than 80 other financial systems, which helps to pre-populate the much-needed data.

1. No Document Required
2. Only One Signature
3. Realtime Activation
4. Service Anywhere

Product distribution strategy: Licensed

Contacts

Press: Wattanee Somchit & Wanlapa Sookyai (Public Relations Manager), +66 2544 1000