FTBE Summit 2017 - Brochure

14/12/2017

Fintech Belgium Summit 2017 The Egg, Brussels

Organised by FinTech Belgium asbl/vzw Supported by B-Hive

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BRUSSELS • LONDON • TEL AVIV • NEW YORK • SINGAPORE

JOIN OUR GLOBAL NETWORK

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programme

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PROGRAMME _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ 4 171205-Programme-cor04.indd 4

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PROGRAMME THE BIG PICTURE

IN DEPTH

AUDITORIUM

STUDIO 08:00 Registration & Welcome coffee

09:00 Opening Ceremony by the Cabinet of the BE Minister of Finance and FinTech Belgium Regulation Impact 09:20 Landscape of investment in FinTech startups & scale-ups 09:20 Another perspective on PSD2 & GDPR 09:30 3 x 5min Startup Pitches followed by Q&A with the jury

by Daldewolf, Simont Braun 09:40 Regulatory Panel on the Future of the EU/BE Regulation landscape with NBB, FSMA, FTBE, B-HIVE, EBF, …

10:15 Coffee Break Innovation Impact 11:00 How has the financial industry reacted to innovation: 11:00 The winners of 2016: POM and KOALECT 1 year later Make, Buy, Join, … or Break. FinTech business cases with 11:10 6 x 5min Startup Pitches followed by Q&A with the jury HelloBank, Ibanity, Ibanfirst, Revolut, …

12:15 LUNCH Tech Impact 13:45 What lies behind AI, CyberSecurity, eID management 13:45 How to fund your scale-up? By B-Hive and security in the world of FinTechs ... With Mikko 13:55 6 x 5min Scale-up Pitches followed by Q&A with the jury Hypponen, ItsMe, Google, 0smosis, data.be, Easyvest, Guardsquare. Panel lead by Fabian Vandenreydt.

15:00 Coffee Break Societal Impact

Blockchain 1 year later

15:45 Let’s reflect on automation and change management, 15:45 Blockchain, ICOs and scalability...Time to discuss the good, HR compliance, financial inclusion, banks for kids, the bad and the ugly crowdfunding and good causes, Brexit , UX, ... by Ebury, 16:40 Debate: disillusion or bright future? with Settlemint, KBC, Otly, Lita.co, Koalect, edebex, Belfius, Papercut Orilia, finoryx, ChainSkills, …

17:00 Pitch Battle Award Ceremony & Closing by Fintech Belgium and B-Hive 17:30 GinTech Networking

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fintech belgium

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A WORD FROM

Xavier DE PAUW

President - FinTech Belgium asbl/vzw

“

Dear FinTech Community, Welcome to the FinTech Belgium Summit 2017, the second edition of our annual event.

We gather in Brussels, the centre of Europe, to reflect on the evolution of the FinTech sector over the last 12 months and to look forward to the latest trends, to take the pulse of the FinTech community and to meet some of the most promising Fintechs.

First of all I would like thank our FinTech Belgium members, the start-ups and scale-ups that are the foundation of our great community. These are the people and the companies who, with great 8 171205-Programme-cor04.indd 8

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A WORD FROM passion and perseverance, work hard every day to execute their business ideas and in doing so influence the financial landscape in Belgium and beyond. Whether it is by challenging the status quo or by working with the incumbents to evolve or rethink their business models. We can look back again at a year filled with enthralling Fintech Belgium meetups where knowledge, experiences and business leads are shared for the benefit of all attendees.

The financial sector, including the FinTechs, has been preparing itself for the implementation of PSD 2, GDPR, MiFID 2, AML 4 and Brexit to name but a few. Plenty of challenges and opportunities for everyone and plenty to discuss at this year’s Summit.

On the innovation and technology side, we look forward to hearing our impressive speaker’s list talking about cyber security, practical implementations of blockchain, artificial intelligence and big data, APIs and platform banking, the latest trends in insurtech and much more. We will also discover a number of promising FinTech start-ups and scale-ups during the pitch battles and we will hear updates from last year’s winners on their businesses.

Last year, the FinTech community worked hard to put Brussels and Belgium on the map as a FinTech hub in its own right and as the gateway to Europe for foreign FinTechs. With the support of the government, banks, insurance companies and also FinTech Belgium, a new ecosystem was launched at the beginning of this year under the name of B-Hive, who is a significant sponsor of this Summit.

”

We hope that today you will be inspired, you will meet fascinating people and experience the FinTech buzz in the heart of Europe.

Enjoy.

Xavier DE PAUW - President of FinTech Belgium asbl/vzw www.fintechbelgium.be

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FINTECH BELGIUM ASBL/VZW About us:

FinTech Belgium is the first and biggest community of Fintechers in Belgium.

We are a community for financial professionals, start-up entrepreneurs and investors, who are interested in discovering and discussing disruptive business models and new technology for the financial services industry.

FINTECH BELGIUM IS AN INDEPENDENT FEDERATION FOR AND BY ITS MEMBERS. Our 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.

+ 2000 FinTechers

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+ 1380 Members

+ 1700 FinTechers

+ 3350 Followers

+ 1150 Followers

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FINTECH BELGIUM ASBL/VZW 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 8 board members; who support the association with their time and giving advice on the different activities, and three employees who manage all the events, partnerships and administration of the association.

Our Members:

We are a proud fast-growing community, we currently have approx. 50 members and our community keeps growing every week.Together we demonstrate once again how Belgium can bring strong innovation through technology and creativity in one of the hottest trends in today’s financial landscape.

Technological Innovation Integrity

Transparency

A strong community can only be built around a shared vision. FinTech Belgium Association and all its members commit to our core values.

Client centricity

Competence

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our members

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OUR FINTECH MEMBERS ABSI

Belgian Mobile ID

www.banyas-it.com

www.belgianmobileid.be

ABSI – Automated Business Scenario Identifier by BANYAS bvba – is an SAP Add-On for automated identification, documentation and analytics of business processes.

Belgian Mobile ID is a consortium of Belgium’s leading banks and mobile network operators that have joined forces to create the Belgian reference for mobile identity and digital privacy.

ABSI brings a revolutionary innovation into the world of ERP systems. Plug it in and discover the real business processes of your organization.

The consortium has developed the itsme® app, a new online identification and authentication solution, specially designed for the digital age and highly secure.

Beebonds

Birdee

www.beebonds.com

www.birdee.co

Beebonds is a platform which informs you about oppor tunities to invest into projects with great financial returns!

With Birdee, through a combination of algorithms, everyone can invest, even if they have no personal fortune, nor advanced knowledge in finance. They can select a portfolio in function of their personal goals, or an investment theme they believe in. And they can easily follow their investments’ performance through a clear monitoring tool.

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OUR FINTECH MEMBERS Buy Way

Data.be

www.buyway.be

www.data.be

Payment solutions and Business Process.

Data.be structures and enriches official business information. More than 11.000 daily users trust Data.be to help them with marketing and sales, credit decisions, background checks and compliance procedures.

The company, whose head office is established in Brussels, counts about 275 professionals specialized in consumer credit.

The main mission is to propose solutions of financing, to offer a follow-up personalized by every case and to innovate by launching new products intended to facilitate the act of purchase.

The team provides custom-made solutions for banks and Fintechs. These solutions range from the automatization of internal processes to the prevention of fraud. Data.be is an expert in delivering tools to improve back office efficiency and mitigating risk for financial institutions.

Some solutions are the Mandate checker, Publication alerts, VAT link checker, UBO checker and pre-fill platform, Email checker and B2B Bank Account checker.

Co-libry

The experienced development team innovated by creating a unique product: ‘Full Text Search’. This technology allows users to search and monitor all publications from the State Gazette at lightning speed, using any keyword. It makes Data.be the perfect partner for preventing fraud, screening, and performing deep background checks.

www.co-libry.com Co-libry is a data driven digital real estate market place. The combination of an advanced search engine, a loan and notary costs calculator and the connection to ser vice providers (banks, telco’s, electricity providers…), makes your search for a home easier and more user-friendly.

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OUR FINTECH MEMBERS

Deposit Solution

Easyvest

www.deposit-solutions.com

www.easyvest.be

Deposit Solutions is the provider of the leading Open Banking platform for deposits connecting banks and depositors across Europe.

Easyvest is a fast-growing online financial advisor that is on a crusade to help all Belgians grow their hardearned money in a smart, simple, personalized, lowcost, and educative way.

Our mission is to establish Open Banking as the new industry standard for the deposits business.

This is what drives our team of Easyvalets every day.

Digiteal

EBTM

www.digiteal.eu

www.ebtm.be

Digiteal is a european e-Invoicing *2C bill presentment platform.

The European Bitcoin Trading Machine (EBTM) operates Bitcoin ATMs.

In a nutshell, it enables the customers to get all their digital bills in one place to manage them more easily.

The company provides exchange services EUR or USD in to Bitcoin and other cryptocurrencies.

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OUR FINTECH MEMBERS

Ebury

Edebex

www.ebury.nl

www.edebex.com

Ebury has become one of the fastest growing fintechs, with offices in 8 European countries. Serving over 15,000 corporate clients with transactions in over 140 currencies, Ebury now helps Belgian corporates trade globally with business funding for supply chain finance, tailored currency services, trade finance, cash management and risk management solutions.

Edebex provides a quick, reliable and effective solution to any company wanting to streamline their cash flow, improve their cash management or optimise their working capital.

Thanks to Edebex, businesses in need of liquidities can obtain them easily by selling their outstanding invoices on our online platform. Companies with a liquidity surplus can buy these invoices at a discounted price based on the quality of the debtor and the due date of the invoice.

At the due date, the debtor pays the full amount and the investor gets his return.

Ecco Nova www.ecconova.com

This exchange allows: -- cash-needy entrepreneurs to quickly access the liquidities they need without the hassles and uncertainty of “ traditional “ finance -- cash-rich entrepreneurs to invest directly in the real economy while earning substantial returns.

ECCO NOVA nova is a platform on which citizens can lend money to suppor t sustainable and profitable projects.

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OUR FINTECH MEMBERS Ewala

Finoryx

app.ewala.co

www.finoryx.com

Ewala is a digital platform that allows users to send mobile credits to more than 400 telecom operators in +140 countries. With their user friendly platform, Ewala is the diaspora’s N°1 choice when it comes to sending airtime.

Finoryx is the leader in Blockchain solutions applied to capital markets, and active at the crossroads of business vision and technology revolution. Cryptody is finoryx flagship product. It provides a cost-effective back-office solution for crypto-assets and powers a syndicated loan market place.

We connect 4.5 billion mobile phones across emerging markets and we’ll plug many more phones in the near future.

Created in early 2015, Finoryx is now recognized as a local leader in blockchain based solutions for capital markets as it is very unusual to have in a startup with this unique combination of consultant having 20+ years of experience in this field together with a proven track record of delivering a true blockchain based solution for demanding financial institutions.

FinFlag

In addition, Finoryx also represents in Europe KYCChain, that helps financial institutions automating client onboarding, reducing operational costs of KYC processes and accelerate deal closure by leveraging blockchain!

www.finflag.com Their mission is to assist financial organizations rethink their Business Model, adapt to the new Digital World, seize new opportunities, embrace new Technologies and Roll-Out new Services.

FinFlag aims at helping our clients transform disruption into opportunity through three business practices: services, solutions, ventures & Innovation.

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OUR FINTECH MEMBERS Hublio

Ibanity

www.hublio.com

www.ibanity.com

Hublio is an insurance robo-advisor.

As PSD2 and open banking break new ground in the financial world, Ibanity focuses on banks as well as third-party providers to help them get the most out of the opportunities PSD2 has to offer. As a brand of Isabel Group, Ibanity boosts open banking and makes sure every one of our customers has a promising role to play in this new financial landscape.

We capture and optimize risk and coverage and provide a GDPR and MiFID II compliant platform where digital savvy parties in the insurance eco-system connect and engage.

As a broker or insurer, you regain time to focus on your advice, grow profit & efficiency, understand your customers and be more compliant.

That’s why Ibanity paves the way towards compliancy for banks but is also looking beyond. With a full-service offering we support banks in reinventing their added value and developing new business models around APIs. For third-party providers such as merchants, developers, fintechs, accountants and also banks, Ibanity guarantees developer-friendliness and safe access to customer account information and payment initiation. Through just one API platform we offer connectivity, reach and a quick time to market for new financial products.

IbanFirst www.ibanfirst.com The Financial Services Platform for SMEs. Offering what it calls Banking-As-A-Platform (BAAS), IbanFirst aims to aggregate all the Fintech Services around its own IBAN account.

Now is the time to unleash the potential hidden inside bank accounts.

The Fintech has designed an automated B2B onboarding process that allows SMEs to open a Belgian account in two minutes and access to the IbanFirst platform.

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OUR FINTECH MEMBERS IntellectEU

Ingenico ePayments

www.intellecteu.com

www.ingenico.com/epayments

IntellectEU is an international FinTech company with core expertise in integration, middleware solutions and development. Offices located in Belgium United States, Ukraine, Portugal and Mexico. We are an official SWIFT Service Partner, one of the founding members of Linux Foundation’s Hyperledger, IBM and Oracle Partner for Blockchain implementations.

Ingenico ePayments is the online and mobile commerce division of Ingenico Group. We connect merchants and consumers, enabling businesses everywhere to go further beyond today’s boundaries and creating the future of global commerce. We are the trusted partner of over 65,000 merchants who rely on us to make payments easy and secure for their customers.

iMoneytrans

KLARNA

www.moneytrans.eu

www.klarna.com/betaalnu/

Moneytrans is a fintech company servicing migrants in Europe & Africa. With 15 years experience in high-speed international money transfer, our goal is to connect people and contribute to the financial inclusion of underbanked communities.

Sofort GmbH was founded in 2005 and has been part of the Klarna Group, leading European payment provider since 2014. With the payment method Sofort, market leader in direct payment procedures in Germany, the Klarna Group offers an innovative product for the secure purchase of physical and digital goods on the Internet.

Our service package includes bill payments, airtime, prepaid cards and IBAN accounts through retail & digital platforms.

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OUR FINTECH MEMBERS Koalect

Loyaltek

www.koalect.com

www.loyaltek.com

Koalect is a Belgian startup that allows organizations to build their own crowdfunding, crowdsourcing or fundraising platform.

The future belongs to companies able to bring innovative payment solutions to the market.

Our vast expertise allows us to build new solutions ver y quickly, including card issuing (including smar tphone apps), transaction processing and payment terminals.

We provide a SAAS solution that gives organizations the autonomy to manage a platform and launch campaigns themselves. In addition, we train organizations how to use our toolbox and communicate around it through dedicated support.

We issue private cards as well as Visa and MasterCard and we developed our own payment terminals.

Lita.co be.lita.co Crowdfunding platform – Social impact & Sustainable economy.

In order to manage your finances in a more ethical way, LITA.co allows you to invest online in companies seeking social, environmental or other positive impacts.

One can already invest from â‚Ź 100.

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OUR FINTECH MEMBERS Look&Fin

MeDirect Bank

www.lookandfin.com

www.medirect.be

Look&Fin is the first crowdlending platform in Belgium allowing SMEs to borrow directly from European lenders.

MeDirect, the Belgian bank specialised in mutual funds.

With a worldwide selection of more than 500 funds, lists of top funds and ready-made Model Portfolios.

And this without any entry and exit fees on 97% of the fund selection. Since the launch in 2013 MeDirect has over 26.000 clients who have entrusted MeDirect with more than â‚Ź1,4 billion.

It has raised more than 25 Mâ‚Ź for 110 SMEs with an average interest rate of 7.7% per year.

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OUR FINTECH MEMBERS Monizze-UP

Mozzeno

www.monizze.be

www.mozzeno.com

Monizze, Belgian SME was founded in 2011 by JeanLouis Van Houwe. It is a 100% digital company active in the Fintech.

Mozzeno develops and operates digital innovative solutions for financial services, marketed directly to customers or through partners.

Monizze develops and provides digital solutions (the meal, eco and gift voucher, city cards and mobile couponing) that improve the wellbeing of employees and the performance of the companies.

In 2015, Monizze joins the UP Group, top 3 worldwide player.

MyMicroInvest www.mymicroinvest.com MyMicroInvest is an investment crowdfunding platform of promising European startups and growing businesses, all backed by a unique crowd.

With each of our campaigns you get an opportunity to co-invest with professional investors, including angel investors, venture capitalists, and industry professionals.

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OUR FINTECH MEMBERS Open Collective

0smosis

www.opencollective.com

www.0smosis.com

Open Collective enables communities to create virtual non profits so that they can collect and disburse money in full transparency without the burden of creating and maintaining a legal entity.

0smosis aims to make Belgium the best place for customers to do their financial transactions. In their Venture Studio, they build companies around ideas that make financial services more transparent, simple and truly customer-focused.

Facebook, Airbnb, Slack and many other companies are using it to contribute financially to online and offline communities that they care about.

Together with their partners they innovate outside of the corporate walls and build real solutions that will make a difference in the lives of tomorrows customers.

Orillia

Payconiq

www.orillia.be

www.payconiq.com

Orillia is a Belgian startup that provides services and products that contribute to the safety and growth of the Bitcoin network.

Available from App Store and Google Play, the Payconiq app is used to pay friends and to pay in stores or online. You immediately collect joyn loyalty points as well. Payconiq is a European mobile payment initiative. Conceived in 2014 at the ING innovation centre it’s today supported by KBC, CBC, and Belfius.

More than 39,000 retailers already use the system.

Orillia is a certified partner of Bitpay for Belgium and provide integration services and support for Bitcoin in eCommerce solutions. Secondly, we manufacture Bitcoin mining equipment and have other other projects in R&D.

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OUR FINTECH MEMBERS POM

Seraphin

www.pom.be

www.Seraphin.be

POM is the only mobile app in Belgium which allows end-users to pay any kind of invoice in a fast and easy way. Every time an invoice is processed via POM, the data recognition mechanism gets optimized (thanks to machine learning). Towards billers POM offers e-payment solutions to modernize their invoicing process and make it more cost-efficient.

Seraphin is the first digital broker in Belgium.

Private Lending

SlimPay

www.privatelending.be

www.slimpay.com

PrivateLending is the first Peer to Peer platform in Belgium that connects Corporate Borrowers and Sophisticated Investors through Private Corporate Debt.

Founded in 2009, SlimPay is a licensed payment institution passported in several European countries.

In addition to processing SEPA payments in EURO for fixed and variable payment plans, SlimPay’s APIdriven Direct Debit solution provides value-added technologies and services enabling merchants to effortlessly onboard customers, increase customer lifetime value and maximise collected revenue.

We allow you to buy more than 35 insurances from your couch and manage them just as easily as you manage your finances.

Discover more on Seraphin.Be!

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OUR FINTECH MEMBERS Swanest

Tricount

www.swanest.com

www.tricount.com

Swanest is an online investment service that uses automation & algorithms to help self-directed investors in building and managing personalised investment portfolios.

The solution for organizing Group Expenses, after a trip or a group activity‌ Fast, free and simple.

TradeRouter

Twikey

www.traderouter.com

www.twikey.com

TradeRouter builds innovative trading & investment solutions for financial services providers based on our in-house developed social & automated trading technology.

Twikey has a simple and safe solution to negotiate in an easy way recurring payments (subscriptions or services) or paying afterwards via webshops, face-2face contacts, via mail or via tablet on accounts with more than 3700 European banks.

Also available on Facebook, for iPhone and Android.

Our technology links interaction and execution of investment recommendations, combines digitalization and human relevance in the investment process with one single goal: engage investors and help them to make better decisions.

Twikey works together with popular accounting-, CRM systems, and webshop engines and is the first operational Mandate Service Provider in Belgium and the Netherlands with partnerships with Belfius, BNP Paribas Fortis, KBC, Bank J. Van Breda, Crelan, ING, Rabobank, ABN-Amro.

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WORD FROM THE MINISTER OF FINANCE

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A WORD FROM

Johan VAN OVERTVELDT Minister of Finance Belgian Federal Government

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A WORD FROM

�

Dear FinTech community, The growing acceptance of new technologies, coupled with changing customer habits and regulatory requirements, continue to keep pushing the Belgian financial sector to innovate faster than ever before. Financial innovation is no longer a responsibility of big banks and insurers, but is a shared responsibility between different stakeholders including the government. There is no better opportunity than this year’s Belgian Fintech Summit to celebrate what we have all achieved together to move forward in the right direction.

This year, the government has taken a much stronger stance in stimulating innovation and entrepreneurship by enhancing access to capital, putting the right regulatory framework in place and developing a fertile ecosystem for startups and scale-ups to thrive. Aside from increasing the tax deduction for investments in start-ups and growth companies, we have succeeded in introducing a substantial extension of the patent box incentive. Today, deduction is no longer limited only to income from patents, but is now also applicable to innovation revenue from, for example, copyrighted software. Unused deduction can also be carried forward to a subsequent tax period, encouraging a long-term approach towards innovation.

Apart from tangible fiscal measures, we have also introduced several non-fiscal initiatives aimed at stimulating growth financing. This is incredibly important, as Belgium is clearly lagging behind other European countries in raising venture capital investments as a percentage of GDP. Denmark invests seven times as much in venture capital and the US even 22 times as much, just to give you a better perspective. One may argue that Belgium clearly has a geographic size disadvantage. But if you look at the numbers more closely, other European countries which are similar or even smaller in size in terms of population and GDP, such as Sweden, Finland, the Netherlands or Luxembourg, have higher venture capital investments.There is no reason why this should not be possible in Belgium, especially 31

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A WORD FROM with our flourishing tech start-up scene and also the know-how and talent we have in financial infrastructure, cybersecurity and financial technology.

We have a strong role to play in improving the access to capital, that’s why we have made the legal framework of the pricaf privÊe more flexible by allowing it to take controlling stakes in portfolio companies and reducing the minimum investment threshold of 100.000 EUR to 25.000 EUR. This opens it up to a much wider public of potential investors. Secondly, we are setting upa growth fund-of-fund together with the Federal Participation and Investment Company to boost existing VC funds. This fund of about 400 million EUR will help reduce the current fragmentation of venture capital in Belgium, allowing our VC funds to fund more local growth companies and keep them local.

Yet, the challenge for Belgian entrepreneurs and growth companies is not limited to the lack and fragmentation of venture capital in Belgium. It also relates to the lack of an effective ecosystem that supports entrepreneurs and growth companies with the required skills development, knowledge sharing and networking.

As one of the recommendations of the HLEG to the Minister of Finance, we have established B-Hive as an innovation collaboration platform that brings local, and European financial actors together to explore joint opportunities offered by digital transformation in the sector. B-Hive has brought together 13 financial services players, 100+ tech-for-fin companies, 20 public organizations, 14 professional associations and five fintech hubs in its first year of operations, and is aiming to build an even stronger digital finance community worldwide with the launch of its international hubs in important financial centers such as London, Tel Aviv and New York.

One of the mandates of B-Hive is to deliver common standards and tangible results for the Belgian financial sector. B-Hive is working on five strategic programs with its partners and members to each address a specific challenge in the sector – cybersecurity, identity management, digitalization, open banking and the digital skills gap. Aligned with our goal to make cybersecurity a core strength of the Belgian ecosystem, B-Hive also launched the CyberFinder platform this year, 32 171205-Programme-cor04.indd 32

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A WORD FROM through its CyberHive program, to easily allow banks and insurers to identify and deploy innovative cyber solutions that have been validated thoroughly by industry experts. Having this ecosystem in place does not only allow for incumbents to strengthen their abilities to face challenges in the sector including cybersecurity, regulation and KYC, but also to encourage innovation and collaboration with startups and scale-ups so they can together seize opportunities within the financial industry.

The Belgian financial sector is truly at the height of a massive transformation and I am more than convinced that is only through collaboration that we are able to tackle the challenges and take advantage of the opportunities that exist. I am looking forward to how we can work together even more closely in the coming year to strengthen the Belgian financial ecosystem and make it a more fertile ground for innovation to thrive!

�

Johan VAN OVERTVELDT - Minister of Finance http://vanovertveldt.be

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#TBSCONF18 MAY 8, 2018

www.thebankingscene.com follow the conversations @TheBankingScene

The Banking Scene

Innovation In Payments

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our summit partners

ments

/2017 17:34

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MAIN PARTNER

B-Hive is a European collaborative innovation fintech platform that brings together major banks, insurers and market infrastructure players.

Together, we work on common innovation challenges and build bridges to the start-up and scale-up community.

B-Hive aims to build a strong international fintech ecosystem where expertise, networking, resources and technology can be shared. Our community is made up of 13 corporate founding partners, 20+ structural, associate and public partners and 110+ tech4fin companies.

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B-Hive brings together financial services players and technology companies in its network to co-create innovative solutions for the financial services industry. Through our strategic programs, we tackle common innovation challenges together and pave the way for digital transformation in the financial landscape.

Each of B-Hive’s strategic programs tackle a specific challenge in the financial services industry such as cybersecurity, identity management, talent acquisition, digitalization, API Setup and Standardization.

Our B-Hive Collaborative Programs: -- CyberHive -- TrustHive -- TalentHive -- OpenHive -- DigiHive

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PLATINUM PARTNER

BNP PARIBAS FORTIS www.bnpparibasfortis.be twitter: @BNPPFBelgie - @BNPPFBelgique

INNOVATION IS A MUST, NOT A CHOICE. Today the world is changing at a pace seldom, if ever, seen before. Innovation is happening everywhere, not least in the day-to-day management of the banking operations. At BNP Paribas Fortis we are however aware that the range of needs and requirements goes far beyond mobile banking apps and digital payments and we are determined to help link up people with the resources they need to drive forward promising projects that can create added value for society today and tomorrow.

INNOVATIONHUB

by BNP Paribas Fortis

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GOLD PARTNERS

AUSY

KBC

www.randstadprofessionals.be KBC tomorrow: the same but differently We put our clients first, adapting and innovating at their pace. By significantly increasing our investments over the next few years, we aim to create superior client satisfaction.

n°1 in connecting professionals.

We move professionals and connect their ambitions to the needs of organizations.

The people-oriented approach of our experts insures growth of all parties.

Do you want to team up with us and help our banking and insurance business reach new fintech frontiers?

Visit us at www.kbc.com.

Our challenge is creating the perfect match.

Through expertise, care and personal commitment we build lasting relationships. We strive for perfection and satisfaction.

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SILVER PARTNERS Anais Digital

Bancontact

www.anais.digital

www.bancontact.com

At Anais Digital, we audit, conceive, develop & improve digital products. Thanks to our scientific UX approach, our clients avoid wasting time, money and energy creating products nobody wants. Our experienced teams of UX Researchers, UI Designers & Developers conceive, test & build digital products matching our customer objectives and their enduser needs.

Pay anywhere, any time with Bancontact: secure, easy and innovative.

Bancontact is the Belgian market leader in electronic payment services, providing smooth and secure debit card payments since 1989. With over 1,39 billion transactions in 2016 and 15 million cardholders, Bancontact is the most preferred payment method of Belgians.

Mobile payments are becoming an increasing part of our habits with each passing day. Belgians already make more than one million payments each month using the Bancontact app.

CREALOGIX

And Bancontact has now also activated its app for contactless payments using Near Field Communication.

“A new milestone in the way we pay,” is how Bancontact CEO, Kim Van Esbroeck, describes it. “The smartphone is steadily becoming a genuine extension of our wallets.”

www.crealogix.com CREALOGIX is a Swiss software house and market leader for Digital Banking, ranked in the global fintech Top 100 list. CREALOGIX develops and implements innovative solutions for the bank of tomorrow.

Founded in 1996 in Zurich, today the Group has a presence in the UK, Europe and Asia. Our solutions enable banks to respond to changing customer expectations, grow their customer base and remain one step ahead of the competition.

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SILVER PARTNERS

We are actively transforming the future of finance to create a resilient market of transparency, trust and capital strength. We are challenging the norm by combining a disruptive design thinking approach with intimate industry expertise and smart technology.

Worldwide Offices Bangalore - Bratislava - Brussels - Chicago - Dallas - Edinburgh Frankfurt - Geneva - Herndon - Hong Kong - Houston Johannesburg - Kuala Lumpur - London - New York - Orlando Paris - Singapore - Toronto - Zurich

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SILVER PARTNERS Drive Now

Digital Wallonia

www.drive-now.com

www.digitalwallonia.be

DriveNow is a free-floating carsharing company with a fleet of 300 new BMW & MINI in Brussels, covering a Business Area of 60 km2. As a registered customer, you can simply find your BMW or MINI around the corner with the DriveNow app. Drive for 33ct/min and park the car at any public parking space FOR FREE and end the booking wherever and whenever you want!

Follow us – On facebook: digitalwallonia – On twitter: digitalwallonia Digital Wallonia is the Digital Strategy for Wallonia This strategy marks the Walloon Government’s ambition to implement whatever is needed to make Wallonia a connected and intelligent region, where technology businesses are recognised as global leaders and are the drivers of a successful industrial transformation, where digital innovation serves high-quality education, access to public services and the well-being of citizens.

Digital Wallonia Strategy is developed through five major themes: -- Digital Sector -- Digital Business -- Smart and connected territory -- Public services -- Skills and education

My Next Company www.mynextcompany.eu Job satisfaction is a big deal. That’s why MyNextCompany insists employers go fully transparent when presenting themselves to talent.

No tricks up your sleeve and no cards under the table. We ask companies to speak up about their values, their company culture and what really makes them a good employer for profiles who are high in demand.

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SILVER PARTNERS Simont Braun

Thon Hotels

www.simontbraun.eu/digitalfinance

www.thonhotels.com

Digital Finance Team Simont Braun set up a multidisciplinary team combining financial and IP/IT law expertise to assist both FinTech and traditional institutions navigating the highly regulated financial market. The team is an actor deeply involved in the digital finance community. They create innovative solutions for disruptive projects.

Thon Hotels has been selected as dream supplier for the speakers of FinTech Belgium. We have hotels in Norway, Brussels, and Rotterdam. By offering a warm atmosphere at hotels run by knowledgeable staff who guarantee a high standard of service, we hope to give our guests a positive experience every time they stay at one of our hotels.

Philippe De Prez

GaĂŤtan Goossens

Lucien Standaert Thomas Derval

Catherine Houssa

Vanessa Marquette

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thank you

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MAIN PARTNER

PLATINUM PARTNER

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GOLD PARTNERS

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SILVER PARNTERS

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FINTECH BELGIUM AWARD PARTNERS

COLLABORATIVE PARTNERS

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I

MEDIA & ACADEMIC PARTNERS

I I

D I G I TA L L E A D E R S H I P I N S T I T U T E

START IT @KBC

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MAN3

INNOVATION IS IMMEDIATE.

INNOVATION AT YOUR SERVICE

Innovation is everywhere, including your daily banking.

That’s why we encourage new ideas that create real added value, and allow us to better serve you.

Publisher: W. Torfs, BNP Paribas Fortis SA/NV, Montagne du Parc/Warandeberg 3, 1000 Brussels, RPM Brussels, VAT BE 0403.199.702, FSMA n° 25.879A

IN A CHANGING WORLD,

bnpparibasfortis.com/our-innovations

The bank for a changing world

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