FinovateEurope 2019

February 12-14, 2019

London, United Kingdom

FinovateEurope 2019 is your chance to experience cutting-edge fintech demos, real world applications provided by business leaders and hundreds of financial institutions passionate for change, all under one roof. Scheduled to take place on February 12-14, 2019, at Tobacco Dock in London, this annual event is kicking it up a notch with a host of innovative updates to the proven Finovate formula. A deep-dive Summit Day on AI and Open Banking, a new world class venue and an AI-powered meeting app to help you connect with the people who matter to you combine to make this the most highly-anticipated Finovate yet. Learn more about FinovateEurope 2019


24sessions allows financial services companies to have better banking conversations and maintain compliance using effortless video chat and artificial intelligence to build personal business relationships at scale. The company develops technology and services that help businesses reinvent the way they connect, talk, and advise their customers. 24sessions is proud to be named one of the 10 best B2B startups in Europe by Google, McKinsey and Rocket Internet. For more information, visit the company's website at

ABC Software Development

ABC Software Development is a global full-cycle software development company with niche expertise and a focus on the latest technologies, delivering impactful, industry-specific software solutions. With a background rooted in Fintech, ABC Software builds on its legacy knowledge and applies it in the areas of Transactional systems (Card transactions, Direct debit, PSD2, SEPA, GIRO) Financial systems and other 3rd party integrations, Blockchain and Smart contracting Payment systems (FIAT and Crypto), ICO startups SW development, Embedded systems, Loyalty Wallet development, E-commerce and Marketplace, Machine learning (AI) Social networks integration and many more. For more information, visit the company's website at


AccountScore is an analytics business based in London with staff in the USA and in India, which provides actionable insights and analytics on bank transaction data for clients - typically banks and financial services companies who want to learn more about their customers, prospects and applicants. AccountScore's fully integrated open banking service provides valuable Actionable Insights through a holistic summary of customers' financial situation using data and transaction analytics. For more information, visit the company's website at


AdviceRobo is an instant psychographic credit risk scoring solution leveraging non-financial and financial behavioral data to increase access to credit for 4.8 billion people globally. The company delivers big data driven risk and marketing scores, treatments and tools while 100% compliant with both current and upcoming regulations. The AdviceRobo solutions are super easy-to use (plug-and-play) and reduce customers' costs per activity up to 20%. For more information, visit the company's website at


ApPello Banking Software is a leading software vendor that has been providing loan origination, risk management and front-end solutions for over 20 years. The company is constantly developing its ApPello Digital Platform which is currently one of the most powerful and prevailing in the CEE region. ApPello Loan Factory and ApPello Digital Lending Portal simplify the long and expensive credit process for retail, corporate banks, financial institutions and peer large industrial (non-financial) companies using its digital platform which allows 3rd party companies to develop additional features or submodules. For more information, visit the company's website at


Aqubix is an IT consultancy and experienced solution provider with one clear objective; to deliver the best customer service and has earned a reputation for offering a flexible approach with years of experience in business analysis and technical architecture. Aqubix's KYC Portal solves the operational challenge of due diligence with a state-of-the-art end-to-end solution focused on automating the operational nightmare in such processes. For more information, visit the company's website at


Blinking has created a reliable, trustworthy, and secure way of creating, handling and confirming client digital identities for banks, telecoms, health providers and insurance companies by using blockchain technology and giving end-users complete control over their private data. Blinking provides users with several authentication options: password, facial recognition, and fingerprint scanning, with more to come. Blinking's KYC tool - based on blockchain and Blinking's basic architecture - lowers operational costs for businesses involved in a trusted consortium. For more information, visit the company's website at


BlueRush is a leading SaaS company providing interactive and personalized solutions for the world's most innovative companies. BlueRush's customer-centric platform, works to address the poor engagement and conversion rates for leading financial institutions with proprietary interactive personalized video software. To retain customers, brands must meet their customer's expectations with personalized communications at every touchpoint. BlueRush's IndiVideo creates personalized digital video solutions that drive engagement across the customer journey. For more information, visit the company's website at

Cantab Predictive Intelligence

Cantab Predictive Intelligence helps companies create value by harnessing knowledge embedded in proprietary and publicly available data. The company's approach combines deep practical understanding of both the business processes and the most advanced machine learning technologies. Cantab's experts with PhDs in Applied Mathematics and Data Science from leading international universities have 15+ years of experience of implementing leading-edge analytical techniques to business problems. Cantab Predictive Intelligence's loan approval engine provides profitable and quick lending to customers who are not clients of the bank, with no credit history for retail banks. For more information, visit the company's website at


CREALOGIX delivers innovative fintech solutions for digital banking. The company provides banks with reliable and forward-looking support for their "Digitization Journey". CREALOGIX empowers clients to successfully master the inevitable digitization of their business as well as offer opportunities and perspectives that actively shape the digital future of the financial world. CREALOGIX's TimeWarp -- a unique, interactive and powerful tool -- addresses the lack of predictive decision making for all bank customers using cutting-edge UX design and AI technology. For more information, visit the company's website at


CybiWealth offers a simple international investing solution for forward-thinking individuals. The CybiWealth Investment app allows instant access to all investment information in a personal CybiWealth account. App users can buy shares using debit card, credit card or eft on the app via a secure online payment portal, view shareholding activity online, check your investment balances, receive dividend notifications and news, and plan the financial future using the app's investment barometer. The CybiWealth Investment app is so convenient users can invest online using any mobile device whenever they want, from anywhere in the world. For more information, visit the company's website at


Dateio solves the hassle associated with today's loyalty programs for retail customers and banks using in-house developed technology and know-how. From shopping data provided by partner banks, Dateio knows how much consumers spend on services or products in a business category, including the amounts spent specifically in individual facilities. With sophisticated data analysis and pinpoint target marketing Dateio attracts consumers with the highest potential of becoming a business's regular customers. For more information, visit the company's website at

Denizen Financial

Denizen Financial is a unified banking platform and the first true global account, making financial decisions and money management across borders fast and easy. Denizen removes the hassle, stress and fees of traditional international banking through a single platform and account that unifies currency exchange, deposits, payments and transfers for complete financial visibility. Denizen enables immediate access to your money, does not charge wire transfer or currency exchange fees, allows you to freeze and unfreeze cards from a mobile app, provides a no bank-owned ATM fee global debit card, and allows users to view global Denizen balances at-a-glance. For more information, visit the company's website at


Dorsum is an award-winning, innovative investment software provider. Since foundation in 1996, innovation has been always the main engine of the company, which has enabled it to become a leading software provider in the Central and Eastern European (CEE) region. Over the last 20 years the company has grown from a few employees into an organization with a staff of more than 300, including an experienced project team for delivering integrated investments IT solutions. Dorsum's My Wealth mobile app uses a hybrid approach to answer the needs of the new type of investor for wealth managers and investment providers. For more information, visit the company's website at

DSwiss AG

DSwiss AG is a worldwide leading provider of highly secure digital services. The company offers secure, reliable and fully GDPR compliant digital safes, mailboxes for bank document delivery, and secure exchange platforms for financial advisors and customers. DSwiss meets the highest security standards for cloud solutions and boasts an impressive client portfolio that includes numerous banks, insurance companies, and security service providers that have chosen DSwiss IT services to satisfy their high-level security requirements. DSwiss combines secure interaction and smart data analysis capabilities to address the interaction complications with banks and their end-users. For more information, visit the company's website at

Dynamics Inc.

Dynamics Inc. has three business units – an all-digital intelligent card connected loT payment device in the form factor of a standard credit card, value-added processing, and a phone payment technology business unit. The company's intelligent card division has introduced market defining card products such as the world's first multiple account card, the world's first password protected card, and the world's first multiple co-brand card. The company's value-added processing division provides real-time loyalty or purchase notification to millions of consumers. The company also produces pay-by-phone technology that is used in cell phones. For more information, visit the company's website at

eurobits technologies

eurobits technologies has created a single digital access point that securely connects with every online financial and fiscal data source in Spain for digital services providers that require high-quality real-time data. Servicing main European banks, fintech, as well as regional governments, eurobits creates products and services that transform the way people and companies relate to financial services. For more information, visit the company's website at

Exela Technologies Inc.

Exela Technologies is a location-agnostic global business process automation ("BPA") leader combining industry-specific and multi-industry enterprise software and solutions. The company's BPA suite of solutions are deployed in banking, healthcare, insurance and other industries to support mission critical environments. Exela provides work flow automation, attended and un-attended cognitive automation, digital mail rooms, print communications, and payment processing with deployments across the globe. Exela Technologies' financial services suite uses a uniquely designed presentation layer with strong technology workflows to improve liquidity, working capital and compliance for domestic and global banks and corporations. For more information, visit the company's website at


FCASE is a data aggregation hub which takes fraud management systems from basic standalone detection to a more enterprise-focused approach, standardizing fraud case interaction, fraud management processes, governance models and performance indicators. The company's next generation technologies integrate disparate data platforms, collecting information from multiples fraud detection sources to manage fraudulent activity in real-time using adaptive analytics. FCASE provides a cross-channel fraud analytics capability which empowers fraud-screening teams to make quicker decisions based on reliable information, overcome data friction, and achieve the velocity of DataOps demanded by modern financial institutions. For more information, visit the company's website at


Fincite is the first investment software that aggregates, analyzes and manages all financial assets of a customer. Fincite's modular banking software helps asset managers, insurers, distributors and banks such as ABN AMRO ( aggregate, analyze and manage all financial assets of customers to provide cost-effective and intelligent financial advice. For more information, visit the company's website at


FI.SPAN provides a cloud-based services management platform that use APIs to connect customers and fintechs for financial Institutions in the U.S. and Canada. The company's platform takes care of integrations with bank services and provides a simple client experience via APIs and Native ERP adapters. The platform allows clients to manage liquidity, conduct and reconcile payables, and consolidate receivables from a bank- branded experience right within Netsuite, Microsoft Dynamics, Quickbooks, or SAP. For more information, visit the company's website at


FinCom ensures that business meet regulatory demands and avoid the steep financial fines and penalties. FinCom is a non-intrusive cloud solution with immediate deployment and user-friendly interface. FinCom is a result of more than seven years of effort by a team of AI and Linguistics mathematicians and industry experts that developed the first automated technology driven methodology for Self-Compliance. Tested & harden technology, FinCom enables regulatory conformity at a fraction of the today's cost. FinCom's AML solution halts money laundering for banks, financial institutions, and brokers using phonetic fingerprint technology. For more information, visit the company's website at

Five Degrees

Five Degrees created unique digital solutions for today's banks and for customers who like quick and easy banking options. Financial institutions must quickly adapt to an increasingly digital and connected world, and Five Degrees combines state-of-the-art technology and sound banking knowledge to answer the call for a flexible, reliable and future-proof digital banking platform. A complete end-to-end retail bank in the cloud, Five Degrees solves banks' time to market, digitization, and operational cost challenges. For more information, visit the company's website at


Icefire designs and builds transformative technologies for banks and fintech companies. Using the latest technologies and architectural concepts, the company simplifies and automates complicated processes, replacing tedium with meaningful work fit for humans. Icefire's Modularbank aims to solve the resource-heavy challenge of setting up new financial institutions and rapidly launching new products using a module-based integration platform. For more information, visit the company's website at


iGTB creates financial technologies that help banks lead businesses on the path to growth and success. iGTB is the world's first complete Global Transaction Banking Platform. With a rich suite of transaction banking products, the company is an authority on vertical and integrated products that enable banks to meet their ambition to be the principal banker to their corporate customers. iGTB's CBX 'Contextual Banking Experience' resolves customer dissatisfaction with the corporate banking experience for transaction banks worldwide using 'best next offer' point-of-need bank product offerings. For more information, visit the company's website at


Imburse is creating a new standard in transaction processing. Imburse Treasury 4.0, a "transaction as a service" platform, enables financial services companies to efficiently manage and provide payments using cloud-based deployment strategies. The company enhances the transaction capabilities of companies while minimizing complexity and IT integration, orchestrating collection and pay-out channels effortlessly to connect clients with the broadest range of available service providers and partners. For more information, visit the company's website at


With a long history in ICT-related research dating back to 1991, InnoValor uses a research-based approach and innovative software to provide advice and consultancy in the areas of digital innovation for government, financial industry and service providers. The company's flagship software product, ReadID®, reduces identity fraud by creating and applying security technology that is both smart and easy to use. ReadID verifies identity documents in both face-to-face and online applications on a smartphone, solving the lack of mobile on-boarding using NFC. For more information, visit the company's website at


iProov's patented online biometric authentication technology, Flashmark, protects users on any device, anytime, anywhere. A user must only glance at a device and the award-winning Flashmark technology flashes a sequence of colors illuminating the face and starts a unique face authentication process. iProov has worked with some of the world's largest government security administrations and global financial institutions. Applications include onboarding, ID verification, border control, strong customer authentication and access control. For more information, visit the company's website at


ITMAGINATION is on a mission to create innovative and efficient software systems to help large businesses reach peak performance in an era of financial insecurity. The company provides a suite of tailored IT software solutions, data management and analytics, data migration and integration, as well as out sourcing. ITMAGINATION intends to become a leading Central European provider of innovative technologies, services and solutions. The company is changing the investment experience with its proprietary, advanced financial analytics platform for individuals and institutional investors by leveraging cloud-based tools to build simple and accessible financial analysis. For more information, visit the company's website at


ITSCREDIT specializes in credit solutions and their implementation. The company's Credit Product Suite integrates several credit products to provide complete control of the credit process, while its omnichannel platform, used online and in physical channels, contemplates the entire bank's credit lifecycle. ITSCREDIT provides short implementation time and reduced time-to-market to deploy new credit products and integrate other solutions. ITSCREDIT's Credit Platform is fully automated to complement the stages of a loan origination process and provides flexible options to create differentiated products and omnichannel solutions to reduce the distance and formalism between the institution and the client. For more information, visit the company's website at


Launchfire combats lagging user adoption rates of digital banking products using game-based learning, production simulations, and role-play scenarios. Launchfire's Lemonade is a digital transformation platform that uses game-based learning, product simulations and role-play scenarios to give staff the knowledge, tools and confidence they need to promote and support a company's digital products. Launchfire's Playbook engages, educates and motivates customers to try a bank's new technology. Launchfire boosts digital adoption for banks, saving time, money and increasing revenues. For more information, visit the company's website at


LeapXpert provides an innovative platform to address unique needs of external assets managers and family offices. LeapXpert's communication experience platform integrates with popular third-party messaging applications to solve the lack of efficient and compliant communication between financial institutions and their customers. For more information, visit the company's website at


LOQR uses an integrated and centralized approach to manage customers' digital identity lifecycle in the financial, utilities and health care arenas. The company's Unified Identity Management approach provides a customer centric mobile first one-stop-shop digital identity lifecycle manager focused on B2B and B2E regulated verticals. For more information, visit the company's website at


Microblink is an R&D company developing proprietary computer vision technology optimized for real-time processing on mobile devices. Advanced neural networks and deep learning techniques are used to process the fastest and the most accurate text recognition locally on a mobile device. Therefore, Microblink offers a variety of products as mobile SDK (software development kit) or WEB API tailored for specific use-cases. The company aims to eliminate the need for manual data entry on mobile devices, thus improving user experience and engagement. For more information, visit the company's website at

Minna Technologies

Minna Technologies is a subscription management platform using open banking APIs and machine learning. The platform integrates into banks digital channels resulting in better customer experience, retention, and new revenue streams. The company's subscription management products for retail banks are currently serving 7 million digital banking customers worldwide. For more information, visit the company's website at

Monobank ASA

Monobank ASA is a digital bank on a mission to redefine retail banking with a sharp focus on customer experience. The bank is cloud-based with strong focus on fintech solutions. With 24/7 availability, fast loan processes combined with simple and easy-to-use products, the company has rapidly grown to take a clear No. 3 position among niche consumer banks in Norway. Monobank's Mono Pay app with state-of-the-art functionality and technology solves the lack of control of poor outdated payment solutions for modern adults with high demands. For more information, visit the company's website at


NDGIT provides clients with the first API platform for banking, FinTech and insurance. The company connects banks and FinTechs with digital ecosystems, providing them the basis to implement PSD2 and Open Banking in an efficient and future-proven way. NDGIT's PSD2-based loan application streamlines the digital loan process using a composition of five APIs from NDGIT Developer API-Marketplace. The company was honored with the Euro Finance Tech Award 2017 for the best co-operation between banks and FinTechs and implemented the first open banking system for Switzerland. For more information, visit the company's website at


NEO is re-building corporate finance with a fresh approach, proprietary technology and zero legacy. NEO designs and builds bespoke cash management and FX risk hedging solutions for companies of any size. The company's cash management platform supplies access to automated multi-currency accounts for medium to large corporations using restful API code. For more information, visit the company's website at

Nine Dynamics

Nine Dynamics is intent on changing the investing paradigm. Founded by a group of financial analysts, CFA charter holders, developers, traders and technology investors, Nine Dynamics has developed TITAN, a world-class interactive investment analysis application that enhances in-depth research, idea screening, and decision support for individual and institutional investors. Nine Dynamic's TITAN analytics platform redefines the modern investment analysis experience for individuals and institutional advisors by leveraging the latest cloud-based tools and architecture to build simple and accessible financial analysis tools. For more information, visit the company's website at


Nordigen utilizes a transaction-based categorization platform to streamline the loan decision-making process based on credit scores using existing user data categorization and scoring models. The company's categorization engine is built to recognize the purpose of a transaction based on its description. The engine was built to replace manual bank statement analysis by credit specialists as well as improve risk-critical areas. For more information, visit the company's website at


PayKey streamlines banking services into users' digital life, offering truly contextual banking from within ANY app directly from a user's smartphone keyboard. At the core of PayKey's social banking solution is the patent-pending Mobile Banking Keyboard. This unique keyboard seamlessly integrates with the mobile banking application, enabling users to initiate a range of financial services — including P2P payments, request payment, balance check, cardless cash withdrawal and more — from within the app without needing to open a second dedicated app. PayKey's white-label solution easily integrates on the API level and retains the bank authentication method without compromising the security level. For more information, visit the company's website at


Peyt is a mobile app that automatically manages, organizes and processes all invoices, bills, contracts and other payment documents. Peyt uses OCR and AI algorithms to extract relevant data and process invoices and other payment documents in a quick and easy way. The company's technology eliminates manual data retyping for consumers and business entities within the SME sector with AI algorithms and swiping data entry. Peyt also collects, organizes, and tracks all payments and documents while providing current status and reminders of upcoming due dates and late payments. For more information, visit the company's website at

Qwil Messenger

Working seamlessly on both mobile and web, Qwil Messenger solves the challenge of making chat between staff, clients and partners safe and compliant. The company's single global chat app enables participants in any location to engage in branded, professional conversations with their companies while meeting the most stringent security and regulatory requirements. Qwil Messenger's global client chat platform enables safe and compliant business conversations for all professional service organizations from one single app. For more information, visit the company's website at


REACH empowers consumer-facing enterprises to remotely close transactions by verifying clients' identity and obtaining their signatures on documents in real time while video recording the whole session. The company offers a SaaS solution to solve poor customer experiences, extended onboarding, delayed transaction cycles, and KYC challenges associated with financial services organizations. The platform is user-friendly, accessible and doesn't require an app download or purchasing special software. For more information, visit the company's website at

Salt Edge

Salt Edge is an industry-leading financial technology company creating stable and secure interoperability channels between financial providers and end-consumers. The company has two main vectors of activity: enabling TPPs to get access to Account Information and Payment Initiation channels via a unified API gateway; and developing the technology necessary for banks to become compliant with PSD2 and Open Banking requirements. The company currently works in Europe, Asia and Pacific, as well as Americas, providing its services to banks, fintechs and lenders. For more information, visit the company's website at


Scanovate is reinventing customer experiences by bringing a mobile mind-set to the most common financial transactions, expediting processes and making them user friendly, as well as changing the way people interact with documents by automating cumbersome tasks and advancing paperless transactions. Scanovate's KYC360 platform is a full onboarding solution that automates KYC processes for tier one banks and financial institutions to help solve complex regulatory and compliance procedures. For more information, visit the company's website at


Secfense is a cyber security solution targeting phishing problems for the banking and fintech industry. Secfense is deployed in between users and applications they access. Using a 2FA method available on any application, iIt learns the traffic patterns related to authentication. It can then enforce multi-factor authentication logon and other sensitive actions without interfering with applications existing code or database. Once in place, Secfense covers an entire infrastructure both on premise and on the cloud. For more information, visit the company's website at


Swanest's online investment service solves the complexity inherent to investing using automated investment analysis, advice and management. Swanest puts people back at the heart of financial services, empowering self-directed investors with technology that helps build and manage personalized investment strategies. Proprietary algorithms help assess the potential risk and return of investments. Swanest makes intelligent investing simple and accessible. For more information, visit the company's website at


Tala's AI-driven, agent-less solution protects PC and mobile users against XSS, cryptojacking, click-jacking, ad injection, web injection and other malicious attacks. Tala's web security solution protects against server-side and client-side attacks targeted at financial enterprises using a combination of surgical application analysis, AI and decades of security industry experience. For more information, visit the company's website at


TAP-ID is owned 100 percent by Euronovate Group. Since inception in 2012, Euronovate has achieved outstanding growth, positioning itself as a top global market option for digital transformation solutions for large enterprises with a focus in the banking sector. With that focus in mind, Euronovate created TAP-ID, the first fully self-onboarding platform powered by biometrics. TAP-ID's online certification and onboarding process improves customer experience by allowing users to decide how, when and who has access to their identity. For more information, visit the company's website at

Taxnology Innovations

Taxnology Innovations intends to build an EU-wide online, digital tax compliance center. The company currently offers a fast, cost-effective Hungarian VAT return preparation solution for foreign and Hungarian resident companies. Using Taxnology Innovations, clients could upload the documents needed for their tax return in a defined format (Excel or csv file), which can be exported from almost any IT system. The user will then be able to generate their tax returns by pressing a single button. For more information, visit the company's website at

UX Design Agency

UX Design Agency's ("UXDA") user-interface design is designed to efficiently address the complexity and lack of human-centricity in financial products. UXDA's Financial Design unique methodology is based on three complementary approaches: Design Thinking, Business-User-Product and User Experience. UXDA uses proven workflow to design human-centered financial interfaces and provides clients different types of deliverables to ensure best value and efficacy. For more information, visit the company's website at uses speech-to-intent technology to create scalable virtual agents able to converse in natural language for financial institution call centers. significantly reduces costs while increasing revenues of call centers. The company's text-to-speech engine matches the natural human voice, using variable intonation, pausing and nonverbal expressions. found a way to create a human-friendly agent that has been proven to increase revenue and customer satisfaction for call centers. For more information, visit the company's website at


W.UP transforms the way banks generate digital revenue and interact with clients through AI-powered experiences. The company's Sales.UP is an insight-driven sales and engagement tool that helps banks understand and analyze banking data like card transactions and demographics, as well as non-traditional information such as customer location and social media activity, enabling banks to deliver personalized automated marketing campaigns based on transactional and non-traditional data using Insight Store, Marketing Automation and Data Universe. For more information, visit the company's website at


YellowDog's High Performance Cloud Rendering was launched for studios across media and entertainment in 2015. Some of the world's best-loved animation, visual effects and visualization studios use the YellowDog platform. In March 2018, YellowDog launched into financial services, where the company helps enterprises utilize the spare capacity on premise and burst securely to the public cloud for big batch processes. YellowDog's platform provides support for banks and insurance companies to manage on-premise resources as well as access private and public clouds through a single integration. For more information, visit the company's website at


Zabo is a digital bank that facilitates informed financial decisions, removes unnecessary costs and fees, and facilitates access to the global economy and investments through cryptocurrency. For more information, visit the company's website at


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