How they describe themselves: We are a company founded by expats, inspired to create the first premier global banking experience by the excessive amounts of time and money lost to outdated international banking standards. Before Denizen, living or working abroad required juggling bank accounts, paying loads of fees, and planning weeks in advance for the simplest of financial transactions. We knew it didn’t have to be this way, and decided to act. We created Denizen because living between multiple countries is complicated, but managing your finances doesn’t have to be. Denizen is based in San Francisco, California and Madrid, Spain. We’re supported by advisors with countless years of industry experience and by one of the world’s most respected financial institutions: BBVA.
How they describe their product/innovation: Say goodbye to the hassles of international banking. Created specifically for people living abroad or working in different countries, Denizen eliminates unnecessary fees and services to make banking – and your life – easy. No international fees, long delays to access money, or juggling accounts in multiple places. As a company founded by expats, we understand the complexity of banking across countries.
Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), licensed
Contacts
Bus. Dev.: Stanley Day, [email protected]
Press: Michael Azzano, [email protected]
How they describe themselves: Dateio is a fast growing fintech company and a pioneer of card-linked marketing in the CEE region. We enable retailers to address clients of our partner banks with card-linked offers, targeted based on clients’ previous shopping behaviour. Our partners include major banks and retailers in the region.
How they describe their product/innovation: Our new product is about loyalty rewards linked to (card) payment. We believe the way loyalty works today is very anachronistic and that the process of obtaining rewards can be linked with payment, making the user experience much smoother.
The basic scenario works as follows:
- A customer pays by card at a retailer, who participates in the scheme.
- The payment is automatically counted towards his loyalty.
- Once an agreed threshold is reached, a voucher appears in the app, entitling the customer for a reward (a free coffee, discount on future shopping, …)
Going forward, we will support more complex loyalty mechanisms, including integration with an existing loyalty program of a partner.
Product distribution strategy: Through financial institutions
Contacts
Bus. Dev.: Ondrej Knot, CEO & Co-Founder, [email protected]
Press: Lenka Vicenikova, [email protected]
How they describe themselves: CybiWealth is a division of FIM Capital Limited, an experienced wealth manager, based on the Isle of Man.
CybiWealth offers an investment platform that enables individuals:
- To directly own shares in leading global companies
- Through an offshore share portfolio
- Starting from just £500
We currently operate a direct to consumer model and are seeking partnerships to expand our distribution reach.
FIM Capital is licensed by the Isle of Man Financial Services Authority and regulated by the Financial Conduct Authority.
How they describe their product/innovation: CybiWealth is an investment platform that enables individuals:
- To directly own shares in leading global companies
- Through an offshore share portfolio
- Starting from just £500
We offer a simple and intuitive digital investing platform that focuses on:
- Providing a simple investment solution
- Making it easily accessible
- And making it transparent
The CybiWealth portfolio is managed by FIM Capital’s experienced investment team. Clients are able to sign-up through our electronic on-boarding and identity verification process and invest through our website and app via bank transfer, debit card and credit card.
Product distribution strategy: Direct to Consumer (B2C), through financial institutions, through other fintech companies and platforms
Contacts
Bus. Dev. & Press: Scott Cooper, CEO, [email protected]
How they describe themselves: The CREALOGIX Group is a Fintech 100 company and is among the global market leaders in digital banking. We develop and implement innovative fintech solutions for the digital bank of tomorrow. Banks can use our solutions to react to evolving customer needs in the area of digitalisation, enabling them to hold their own in a very demanding and dynamic market and remain one step ahead of their competitors.
How they describe their product/innovation: CREALOGIX’ customer banking platform TimeWarp is breaking new ground with its simulative, intuitive and user-friendly, self-service insights application. The platform, complete with an elegant user-interface, actionable insights and range of simulative outcomes to enhance every banking customers experience, is an integral part of the bank of the future. With advanced simulation technology, the users are empowered to gain insight into the possible outcome of their financial decisions before making them. From insurance to savings accounts and investments, TimeWarp supports users to manage their finances more effectively, increasing customer satisfaction and loyalty.
Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms
Contacts
Press: Jasmin Epp, Group Communications & Brand Manager, [email protected]
How they describe themselves: Cantab PI is a R&D and consulting company focused on rapid data analytics and machine learning innovation, already adding value to critical business issues for some of the leading global corporations. While we have several ground-breaking machine learning models in production, our credit lending engine has been applied with success by a major European bank to profitably and effectively offer loans to non-bank, no-credit history customers. The technology is based on the most advanced machine learning technology, can be implemented off-line, and relies only on behavioral data available through open banking and PSD2 APIs and interfaces.
How they describe their product/innovation: Figure In is a real time loan approval engine for non-bank, no-credit history customers. The solution is extremely scalable, can run locally on a device, and is proven and tested on a portfolio of over a million customers of a major European bank. While the engine relies only on behavioral data available through open banking and PSD2 APIs and interfaces, and can operate well by using only 6 months history of the current account transactions and balances, the underlying credit scoring model is extremely predictive: in production it performs similarly or better than the legacy models of the bank relying on all the available information.
Product distribution strategy: Direct to Business (B2B), through financial institutions
Contacts
Bus. Dev. & Press: Sinisa Slijepcevic, CEO & Co-Founder, [email protected]
How they describe themselves: BlueRush has created IndiVideo, the interactive personalized video platform for financial services. IndiVideo is a highly scalable personalized video platform built to provide data-driven video content in an easy to understand, entertaining and compelling manner.
BlueRush also offers a SaaS-based content engagement platform called DigitalReach, which aligns marketing, sales and compliance. Used by financial advisors, DigitalReach allows for the centralization, personalization, distribution, and tracking of content to ensure complete control over what is sent and to whom. BlueRush’s products improve marketing and sales performance and generate greater client satisfaction and loyalty.
How they describe their product/innovation: Building on over 10 years of experience creating engaging digital journeys for the world’s most innovative financial institutions, BlueRush developed a completely new IndiVideo credit card selector and personalized video experience for their client, a Top 50 Global Bank.
The IndiVideo credit card selector provides:
- a seamless customer journey and improved conversion rate for enhanced ROI,
- a phenomenal “know me” customer experience using cutting-edge personalization technology and third-party data sources,
- higher levels of customer engagement and satisfaction for increased up/cross-sell revenue,
- the collection of valuable data-driven customer insights within an aggregate reporting ecosystem.
Product distribution strategy: Direct to Business (B2B)
Contacts
Bus. Dev.: Ted Mercer, VP Sales, [email protected], 416-203-0618 ext. 182
Press: Rielle Ullberg, Marketing Coordinator, [email protected], 416-203-0618 ext. 234
How they describe themselves: Blinking is a company with experience and expertise in developing blockchain and biometric-based security and compliance solutions from Belgrade, Serbia.
Blinking was founded by university professors with PhDs in information technology and strong research experience and a background in biometric technology. Alongside highly skilled blockchain engineers and practitioners, they lead a diverse, agile team of more than 20 engineers and software developers.
Blinking engineers developed a multi-factor digital identity based on biometric data, KYC / Know-Your-Customer platform, and a regulatory compliance tool for businesses.
How they describe their product/innovation: Blinking is a platform offering the creation of a digital identity. It can be used for multi-factor authentication and data access authorization, Know Your Customer data sharing and data regulation compliance.
MFA approach combines something that people know (password), have (device) and who they are (biometric data).
Blinking is based on a permissioned, private, blockchain network. An in-house developed biometric algorithm is executed in a distributed environment providing strict regulatory compliance by design.
The solution is currently a pending patent with the European Patent Office and being tested in different environments and markets.
Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through financial institutions, licensed
Contacts
Bus. Dev.: Milos Milovanovic (COO)
Press: Nikola Milinkovic (Product Marketing Manager)
How they describe themselves: ApPello is a leading software solutions provider specialized in front-to-back-office banking solutions, covering all phases of any lending related activity. The company is headquartered in Budapest and it is strongly represented in the CEE region with a proven track record of more than 20 years. ApPello develops and implements next generation solutions to improve its clients’ productivity and efficiency. Our innovative approach is demonstrated in the ApPello Digital Platform (AppDP) which provides unparalleled opportunities to define business logic (data model, screens, business rules, workflow and reports) effectively, managed and operated easily even by bank staff, without any development needed.
How they describe their product/innovation: ApPello Lending Portal provides a new level of flexibility in lending with its user-friendly, self-service application. The innovative platform with its responsive modern design and state-of-the art user interface gives customers a comprehensive banking experience pre-integrating various different lending solutions (e.g. loan origination, real estate valuation).
The platform digitalises all important client interactions with ease and help the financial service providers with a fully customizable end-to-end lending solution (ApPello Loan Factory) that put emphasis on client digital journeys over legacy system oriented approach
Product distribution strategy: Direct to Business (B2B), through other fintech companies and platforms, licensed
Contacts
Bus. Dev.: Beatrix Percze, Bus. Dev. Coordinator, [email protected]
Press: Erika Moczok, Marketing Manager, [email protected]
How they describe themselves: Anorak is the world’s first fully automated life insurance advice platform. The service gives everyone easy access to impartial, regulated and personalised life insurance advice.
Based on proprietary technologies, the platform and APIs are integrated by partners so that people access life insurance options whilst using everyday services such as challenger banks, money apps, online retailers, mortgage brokers and investment platforms.
Anorak was co-founded in 2017 by David Vanek, former MADE.com group CFO and Vincent Durnez, former CIO at AXA Direct and CTO of Prima Solutions and Fluo.
The company is on a mission to build the world’s smartest life insurance companion and has received £9 million in funding from Kamet Ventures.
How they describe their product/innovation: Anorak offers Starling Bank customers fast and easy access to personalised, transparent, impartial and regulated life insurance advice. Through the in-app Marketplace, Starling customers are now able to connect their accounts with Anorak’s service. With the customers’ consent, Anorak analyses their bank transactions to offer advice on how much life cover they need (if any), for how long and why. Based on this, Anorak matches the user with the best policy from the major insurers, to suit the person’s unique circumstances. The service helps people make the right choice, not just the cheapest.
Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms, licensed
Contacts
Bus. Dev. & Press: David Vanek, CEO, [email protected]
How they describe themselves: AdviceRobo creates software solutions that help financial institutions to avoid financial risks. Every day, 7 billion people around the globe are working to build their lives and businesses. 4.5 billion of them, consumers and entrepreneurs have no access to lending. Our risk management looks at the borrower’s personality and behaviours, rather than only relying on credit histories. We look at their values, attitudes, beliefs and behaviours regarding their personal finance to assess their trustworthiness. These additional data and risk scores support lenders in taking better risk decisions and in continuously measuring and predicting risk of the customer base. We develop AI driven risk robots that will transform risk management.
How they describe their product/innovation: AdviceRobo’s proprietary psychographic credit score turns customers behavioural non-financial and financial data into highly predictive risk scores. Through the additional data and the AI-backed algorithm, financial institutions (lenders) can improve their business performance by taking more informed credit decisions. Acceptance rates will increase, mainly on so called thin file segments, risk levels secured, and cost decreased. AdviceRobo builds a complete behavioural picture of a customer by using behavioural sources of data. The solution can be easily integrated in the on-boarding process or applied as a standalone application. The customer journey is easy and fast. The AI algorithms provide data and risk scores within seconds.
Product distribution strategy: Through financial institutions
Contacts
Bus. Dev.: Diederick van Thiel, CEO, [email protected]
Press: Rosali Steenkamer, CCO, [email protected]
How they describe themselves: AccountScore is a highly innovative global data and analytics business that provides digital access to and analytics on bank transaction data for clients – typically banks and financial services companies, that want to make better-informed decisions during their customer assessment processes.
AccountScore operates the registered Account Information Service Provider (AISP) consents.online which is at the forefront of Open Banking in the UK. The online Open Banking API platform carries out the collection and storage of bank transaction data belonging to the consenting customers of its B2B clients, in addition to providing a customer-facing platform where those customers can monitor access to their bank accounts and control what they share.
How they describe their product/innovation: The product being demoed will be the AccountScore Open Banking solution.
We will walk through the process as if we are a consumer sharing transaction data to a client of AccountScore’s. On show will be our newly developed consent management process for consumers sharing transaction data via Open Banking with third parties.
Furthermore, we will show businesses in the room how they can tap into Open Banking using our platform as well as how we successfully provide actionable insights from the Open Banking provided transaction data, allowing them to gain value from the data in practical products such as lending.
Product distribution strategy: Direct to Business (B2B)
Contacts
Bus. Dev.: Joseph Hungin, Head of International, [email protected]
Press: Viali Munteanu, Cognito Media, [email protected]
How they describe themselves: ABC TECH Group is a provider of IT consulting services and software development with over 120 + IT professionals located internationally.
We are bringing platform-based solutions to large and midsized companies in Banking and Telecom as well as providing state-of-the-art solutions for the start-up industry.
As part of this journey, we are working with Microsoft, IBM, Oracle, Node and more tech leaders to ensure that our clients will benefit from steady reliability and originality across solutions.
We offer a full range of product, mobile, and web development services for a wide variety of business domains and connect you to an effective, fully equipped team that is ready to commit from day one.
How they describe their product/innovation: LEONUS is a banking digital solution powered by blockchain, aimed to provide both traditional and challenger banks with an easy turnkey solution for entering the digital banking world while utilizing advantages of blockchain and AI technology in the very essence of the system. Security, indisputability, and immutability are enabled by an Ethereum based private blockchain implementation.
Product distribution strategy: Direct to Business (B2B), through financial institutions, through other fintech companies and platforms, licensed
Contacts
Bus. Dev.: Sladjan Sehovic, Bus. Dev. Manager, [email protected], +387 61 109 439
Press: Dunja Bezdrov, Marketing & Communications Manager, [email protected], +387 61 456 346
