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EUROPE’S DIGITAL LEAP

BRUSSELS , DECEMBER 2ND

A WORD FROM FINTECH

BELGIUM’S CHAIRMAN

Ten years.

Ten editions of the Digital Finance Summit.

A decade of a grassroots community that refused to remain small.

When we began, FinTech Belgium was not a large organisation. It was a handful of fintech entrepreneurs and professionals around a table, exchanging ideas, drowning in acronyms, and gathering just enough courage to believe that Belgium – and Europe – could take a leading place in the future of digital finance.

Today we stand with a strong community, a dedicated team, and an annual summit that has earned its place on the European digital finance calendar. Grassroots organisations don’t reach ten years automatically. They only do so when members show up and contribute, when partners, sponsors and public institutions trust the direction, and when a small but determined team works tirelessly behind the scenes.

Before we look ahead, I want to thank our team, our board, our volunteers, our sponsors, and every startup, bank, insurer, regulator and tech partner who believed in this journey. This 10th edition belongs to you.

Europe’s Digital Leap

Our theme this year captures the moment: “Europe’s Digital Leap: Powering the Future of FinTech.”

Europe already has what many regions would like to have: the talent, the infrastructure, and the ambition. What we need now is easy to say

but harder to deliver. It is time to leap, and it is time to lead.

A leap asks us to go beyond small steps in digitisation and re-imagine how finance should work. To lead means we stop following global trends and instead set the standard for digital finance that is responsible, innovative and inclusive.

From Leap to Lead. Turning Physical (P) into Digital (D)

Over the past decade, we have all played a part in turning physical processes into digital ones. Physical branches have shifted to digital-first relationships. Paper contracts have been replaced by automated workflows and smart documents. Cards and coins have given way to instant and almost invisible payments. FinTech Belgium has always aimed to be the place where these shifts become real, not just theoretical. Our role is simple: we connect fintech innovators with banks and insurers, helping to turn promising ideas into real partnerships and real customers.

If you are a startup or scaleup here today, this is not about collecting lanyards. If you are a bank, insurer or corporate, this is not a box-ticking exercise. You are all here because together we can move faster, from proof of concept, to proof of impact.

Agentic Commerce: The New Frontier

This year also brings a new frontier that carries the energy of the “early days”: agentic commerce. AI-powered agents acting on behalf of

customers and businesses, comparing, negotiating, subscribing and orchestrating financial services on their own. This could reshape how we design products, channels and even regulation.

Right now, agentic commerce lives in that wild frontier phase. There is plenty of experimentation, no real standards yet, and important open questions around safeguards, liability, transparency and fairness remain. Building agentic commerce in a way that remains trustworthy, explainable and consistent with European values will be one of the defining tasks ahead.

Less Friction, Smarter Rules and RegTech as an Enabler

We also sense a shift in the policy mood. There is growing interest in rules that are more proportionate and more workable for smaller players and early-stage innovators. But the goal is not simply fewer rules. The goal is better rules, better supervision, and better tools to meet requirements. This is where RegTech becomes strategic for Europe. It can turn compliance from a manual burden into a data-driven process, help startups and scaleups overcome regulatory hurdles without drowning in paperwork, and give supervisors the ability to oversee markets in real time, based on data instead of documents.

If smarter regulation meets strong RegTech, progress and consumer protection can reinforce one another, rather than pull in opposite directions.

EU-Inc and the European Startup Ecosystem

Another important step is the strengthening of Europe’s startup and scaleup environment. Initiatives like EU-Inc and other EU-level programmes aim to do what we, as a community, have been doing for ten years: helping fintechs start and grow anywhere in Europe, connecting national

ecosystems into a genuine single market for innovation, and creating easier access to capital, sandboxes and cross-border pilots.

For fintech founders, this means you should not have to choose between being European and being global. You should be able to be both. For banks and insurers, it means gaining access to a wider pool of trusted, EU-born partners for your next wave of products.

Powering the Future of FinTech

This summit brings together pioneers in AI and data-driven banking, blockchain and digital assets, embedded finance, next generation payment systems, cloud-native financial infrastructure, quantum-safe and cyber-resilient security, and now growing fields such as agentic commerce and RegTech-enabled compliance. These are not empty words on a banner. They are the foundations of Europe’s competitive strength.

If we invest boldly in technology, if we work closely across startups, scaleups and established financial players, and if we shape progress in a way that stays true to European values of trust, privacy and inclusion, then Europe will not only adapt to the future of finance. Europe will define it.

A Call to Action

As we celebrate this 10th of the summit edition, I invite you to do three things today.

Meet someone you would not normally approach.

The most valuable conversation might be with a competitor, a regulator, a RegTech company, a young startup, or a bank you once thought too traditional. Ask bolder questions.

Do not stop at “Can we digitise this?” Ask instead, “If we were starting from zero today, how would we build this differently in a world shaped by AI and agentic commerce?”

Leave with one clear commitment.

One pilot you will scale. One partnership you will sign. One regulatory or organisational barrier you will remove to let innovation actually happen.

The future is not pausing while Europe catches up. This is Europe’s moment to leap forward, and to lead the next wave of FinTech innovation.

I am proud that FinTech Belgium, as a grassroots community, is hosting this 10th Digital Finance Summit under that banner. Thank you for being here, thank you for your trust over the past decade, and thank you for the energy you bring into the next one.

Let’s leap, let’s lead. And let’s get to work.

Raf DE KIMPE CEO FinTech Belgium

A WORD FROM OUR CEO

I’m honored to welcome you to the 10th edition of the Digital Finance Summit. Some of you, who’ve been in the FinTech Belgium ecosystem for a while, might remember that I was involved in setting up the first versions of the DFS, and after spending the last five years in London, it feels a little like coming home.

Joining FinTech Belgium in January for content and taking over as CEO in May, it’s been my pleasure to reconnect with familiar faces, and getting to know the new members of the community as well. What an amazing ecosystem that has been built here in Belgium over the last ten years. It’s impressive to see how the industry and the community have evolved, but stayed true to the entrepreneurial ‘by and for fintechs’ spirit.

I’m convinced that Belgium has the qualities to support innovation in digital finance and that together, we can keep the financial industry thriving, by collaborating with each other and supporting Europe’s Digital Leap. At the heart of Europe, with the skills and talent that are available, with an entrepreneurial and collaborative mindset and thanks to our association with EDFA firmly linked in the European ecosystem, I’m excited for the future.

Looking ahead at next year, I want to continue building on this solid foundation, with extra focus on collaboration between the different industry players. It’s essential for incumbent financial institutions, fintech entrepreneurs, government and the regulators to work hand in hand to keep Digital Finance thriving, and to allow Belgium and Europe to play a key role in setting global standards. We’ll work together with the ecosys-

tem on a focussed content-first approach, to make sure all fascinating innovations and partnerships in our network are highlighted through our activities. And of course, we need to keep the fun spirit of FinTech Belgium at the forefront.

An event like this, and by extension a community like this, isn’t easy to build and maintain. I’d like to thank my predecessors for handing over a thriving community, our Board of Directors for their trust in me and their support and passion for FinTech Belgium. Of course I’d also like to thank everyone who endeavoured to make today a success, our speakers, partners, volunteers, you as an attendee and not in the least the fabulous team at FinTech Belgium.

If you’re already a member or partner, I’d love to connect with you and hear more from you about what your vision for FinTech Belgium is. If you’re not part of our ecosystem yet, I’d love to chat with you on how you can engage with us and what we can do to help you reach success, and even if you’re just up for a chat, don’t hesitate to reach out.

Raf DE KIMPE CEO FinTech Belgium

THE INITIATOR

FINTECH BELGIUM asbl/vzw

The Digital Finance association by and for fintech, insurtech, regtech, wealthtech, ...

Since 2015, FinTech Belgium gathers the biggest and very dynamic ecosystem of Digital Finance-savvy experts to discuss disruptive models and support the development of new technologies for the finance industry. We federate and represent over 100 members active in the Belgian market…

ENHANCE INNOVATION IN DIGITAL FINANCE

To support startups and scaleups active in bringing transparency and innovation in our industry, we focus on three missions:

• To be a platform for dialogue with regulators and other parties.

• To actively and tangibly promote the fintech sector in Belgium and Belgian fintech’s abroad.

• To share the experience, knowledge and information within and outside the community.

Our Team:

On May 2nd 2016, Fintech Belgium officially became a non-profit organisation grown from the spirit “by fintechers, for fintechers”. The team includes 10 board members, with Toon Vanagt as chairman, Patricia Boydens as VP and ambassador for our vertical Insurtech Belgium, Joan Carette as secretary, Jean-François Heering as ambassador for our vertical Regtech Belgium, Alessandra Guion, Johannes Vermeire, Amélie Breitburd, Magali Van Bulck, Nicolas Vincent, Robert Masse. The board of directors supports the association with their time, representing the members and association when talking to regulators and other stakeholders, reviewing the membership applications and giving advice on the different activities. The operational team consists in Raf De Kimpe CEO, Regina Piffarerio admin queen and mother of all members, Ioana Duca events manager.

This team of dedicated employees manages all the events, memberships, partnerships and administration of the association supported by occasional trainees for FinTech Belgium’s communication and our annual summit.

+5800

Fintechers +12800 Members

Our Members:

We are a proud fast-growing community. In hardly 10 years, we represent around 100 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.

EDFA

FinTech Belgium is a very proud founding member of the crucial pan-European non-profit association EDFA (see page 8. for more details).

European Digital Finance Association is the independent industry body that represents the digital finance community.

Our mission is to support Europe’s global role in the financial technology sector.

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

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

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

https://europeandigitalfinance.eu/

Our Objectives are...

• Foster collaboration within the EU digital finance ecosystem

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

Enhance the competitiveness of European companies.

Support an innovation-friendly regulatory framework

Develop an open data infrastructure to spur new product creation.

ASSOCIATED MEMBERS

ACCENTURE AND FINTECH BELGIUM RELEASE 2025 ESG FINTECH REPORT AHEAD

OF THE DIGITAL FINANCE

SUMMIT 2025

A new 2025 report made by FinTech Belgium and Accenture highlights the rapid evolution of ESG integration within the Belgian fintech sector, positioning the region as a key driver of sustainable finance innovation. The ESG report explores how fintechs are embedding sustainable solutions in the industry by encouraging responsible consumption to waste reduction, Belgian fintechs are there to lead the way.

Drawing on extensive research, industry collaborations and executive discussions, the report provides a comprehensive overview of how fintech firms are addressing ESG challenges and leveraging regulatory frameworks to drive positive impact.

Europe’s ESG leadership continues to set global standards

The report confirms that Europe’s proactive regulatory stance, particularly with CSRD and CSDDD, continues to position the region as a global leader in sustainability standards, much like GDPR once did for data protection. This momentum is influencing how fintechs design products and how financial institutions operationalize ESG across their organizations.

The fintech boom and rise of ESG-focused solutions

The number of fintech companies offering ESG-related services in Belgium has grown steadily in recent years, and expected to grow significantly in the coming years. Data & analytics and RegTech

(Regulatory Technology) solutions are at the forefront of this growth, helping financial institutions navigate complex compliance landscapes and unlock new opportunities for ESG-driven value creation.

Belgian fintech firms are also increasingly collaborating with traditional financial institutions, bolstering the impact of ESG initiatives.

By working together, these entities can drive broader industry-wide sustainability efforts and accelerate ESG advancements.

Niche ESG expertise and social responsibility in fintech

A major trend is the rise of fintech companies specializing in targeted ESG challenges. These firms give highly tailored solutions that support financial institutions and corporations in meeting compliance requirements and implementing sustainable business models.

In addition to compliance, fintech firms in Belgium are placing greater emphasis on social and governance aspects of ESG, especially by assessing their impact on clients and communities. These dimensions provide a clearer and more measurable pathway for companies to advance sustainability goals beyond environmental concerns.

Collaboration as the foundation for sustainable finance

Achieving sustainable finance objectives requires robust collaboration across the ecosystem. Fintech firms play a critical role as facilitators, bridging the gap between financial institutions, policymakers, and technology providers. By enabling scalable, data-driven ESG solutions, fintechs are accelerating the financial sector’s ability to meet regulatory demands while fostering impactful innovation.

This report underscores how Belgium’s fintech sector is not only adapting to ESG regulations but is also leading in the development of solutions that make compliance more efficient and effective. By leveraging regulatory technology, data analytics, and strategic partnerships, fintech firms are transforming ESG from a challenge into a growth opportunity.

The 2025 ESG report serves as a crucial standpoint for industry stakeholders seeking to navigate the evolving ESG landscape, offering actionable insights and best practices for sustainable finance innovation. As the industry gathers for Digital Finance Summit 2025, this report serves as a timely benchmark for stakeholders navigating the evolving ESG landscape, offering practical insights and best practices that will guide the next chapter of sustainable finance in Belgium and beyond.

FINTECH BELGIUM MEMBERS

FINTECH BELGIUM & SAILPEAK’S

NEW BAROMETER

REVEALS AI’S

SHIFT FROM PILOT TO PAYOFF

On 26th June, FinTech Belgium and Sailpeak hosted over 70 professionals to share the insights of the second edition of their AI Barometer on financial services. The atmosphere wasn’t one of hype or speculation; it was grounded in the practicalities of making Artificial Intelligence deliver. Throughout the event the message was clear: the Belgian financial sector has moved beyond the experimental phase , focusing instead on getting a clear, measurable return on investment (ROI) from its AI spending.

The Barometer itself, based on data from 13 leading institutions including BNP Paribas Fortis, KBC, Belfius, and Ethias, paints a picture of rapid maturity. AI is no longer a side project; it’s a core strategic component. Evidence for this shift is compelling: a massive 85% of participating institutions now have a dedicated AI unit or competence centre, a steep rise from just 37% a year prior. This organisational commitment is coupled with tangible financial expectations, as nearly 45% of institutions anticipate their AI investments will break even or generate exceptional ROI this year , driven largely by the pursuit of Productivity Gain (a high priority for 92%) and Process Efficiency (75% high priority). Furthermore, Generative AI (GenAI) is quickly moving from the lab to the office , with over 60% of relevant institutions already deploying it for customer service chatbots and coding assistance.

But the gathering was not just about celebrating progress. The heart of the discussion, enriched by the presence of leaders like Anthony Belpaire, Head of AI at BNP Paribas Fortis, and Ariane Berckmoes, CDTO of Ethias, focused on the new, tougher challenges of scaling. As AI becomes more ingrained, the complexity shifts. The Barometer revealed that the biggest obstacle in 2025 is the “Complexity of integrating AI into existing systems,” highlighted by 62% of institutions.

Anthony Belpaire spoke directly to this issue of structure. He argued that the changing AI environment, encompassing traditional AI and the nascent GenAI and agentic AI, “will unequivocally reveal which organisations possess superior data and enterprise architecture” , positioning this architectural strength as the “decisive competitive advantage for deploying AI services with optimal speed to market”. Similarly, the human challenge remains significant, with “Lack of business buy-in or readiness” for organisational change flagged as a major hurdle by 38%. Raf De Kimpe, CEO of FinTech Belgium, summarised the maturity seen in the sector: “The commitment to dedicated AI units and ROI-driven strategies underlines a remarkable level of maturity”.

As Nico Vincent, Founding Partner of Sailpeak, observed, the focus must shift from ‘what’ AI can do, to ‘how’ to seamlessly embed it into complex existing operations and ensure widespread organisational adoption.

The event concluded with a clear understanding: Belgian finance is serious about AI, viewing it as a core component of strategic growth. The current phase demands a focus on difficult, practical execution, i.e. mastering system integration,

building strong data foundations, and fostering an AI-ready culture across the entire business.

The 2025 AI Barometer is available for download here: www.fintechbelgium.be/news/ai-barometer-report-2025

DIGITAL FINANCE SUMMIT PARTNERS

MAIN PARTNER

Visa (NYSE: V) is one of the world leaders in digital payments. Our mission is to connect the world through an innovative, reliable, and secure payment network - enabling individuals, businesses, and economies to thrive.

analog to digital, Visa is applying our brand, products, people, network, and scale to reshape the future of commerce.

Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company’s relentless focus on innovation is a catalyst for the rapid growth of digital commerce on any device for everyone, everywhere.

As the world moves from

At Visa, we believe the future of finance is intelligent, inclusive, and instant. Visa Commercial and Money Movement Solutions empowers businesses of all sizes—from startups to global enterprises— with secure, AI-driven tools that simplify payments, optimize cash flow, and unlock growth.

Whether it’s cross-border transactions with Visa Direct,

automated invoicing, or embedded finance through the Visa Commercial and Money Movement Solutions Hub, we’re redefining how money moves in the digital age.

Join us at the Digital Finance Summit 2025, discover how Visa is shaping the next generation of B2B payments.

Come visit our booth to connect and explore more. Let’s build the future of payments together.

www.Visa.be

Curity

Curity is a leading provider of API-focused identity management that simplifies complexity and secures digital services for large global enterprises.

Through proven experience, IAM and API expertise, Curity builds innovative solutions that provide secure authentication across multiple digital services.

Curity is trusted by large organizations in many highly regulated industries and partners with leading technology and consulting companies.

To learn more, visit https://curity.io

Secure Identity for the AI-Connected Future

Build strong identity foundations for AI and API ecosystems

Simplify secure access with token-based control

Manage trust between people, apps, and machines

Paynovate

Paynovate is a leading Belgian e-money institution (EMI), fully licensed by the National Bank of Belgium and the Financial Conduct Authority, offering comprehensive digital payment solutions.

Serving B2B clients across the European Economic Area (EEA) and the UAE, Paynovate operates a highly regulated and trusted platform. As a principal member of Visa, Mastercard, and Bancontact- Payconiq and as a direct SEPA participant,

Paynovate processes payments through a unified platform that supports acquiring (POS and e-commerce), issuing, and IBAN accounts. The company also provides BIN sponsorship for program managers throughout the EU.

Paynovate is a member of the Loyaltek Group, which was founded in 2008. The group includes Loyalpay, a payment terminal provider; Giftify, specializing in gift card programs; and Fintronik, which manages corporate cards and payment processing. Paynovate itself was established in 2018.

Approach

Approach Cyber is your trusted partner in cyber security and privacy. We protect your business so you can focus on growth with peace of mind. Our mission: bring cyber serenity to society. With 25 years’ experience and 100+ experts in Belgium and Switzerland, we deliver end-to-end security - advisory, staffing, SOC, education, and tech integration - ensuring compliance, resilience, and confidence in a secure digital world.

www.approach-cyber.com

Basikon

Basikon is an intelligent, 100% API, low-code, modular and versionless core lending and core leasing platform. Thanks to its dynamic database and its intuitive graphical workflow engine, financial institutions and leasing companies can easily configure, extend, and scale their credit and asset finance operations

www.basikon.io

Copla

Copla helps organizations move from audit-driven compliance to continuous resilience.

Built by CISOs, our platform automates workflows, verifies evidence with AI, and aligns operations with frameworks like DORA, NIS2, and ISO 27001.

The result: clear oversight, reduced risk, and compliance that strengthens real security.

www.cyberupgrade.net

Data.be

Data.be unifies 20+ Belgian public data feeds into one reliable API and platform for KYB/KYC and risk management. Real-time alerts and a visual Business Graph make it easy for teams to detect changes early and verify entities. Plug reliable, real-time data into your workflow and simplify due diligence from start to finish.

Compliance doesn’t end at onboarding. Data.be keeps your KYB/KYC up to date with verified Belgian data and live updates on key company events — from new filings and director changes to capital updates. Our API, custom feeds, and Business Graph give banks, insurers, and fintechs the tools to act faster, see deeper into their network, and prevent risks before they escalate.

www.data.be

Datavillage

Datavillage helps banks turn complex data into trusted intelligence.

Our AI Agents work alongside fraud and compliance teams to cut through noise, reduce false positives, and accelerate investigations, securely and explainably. We enable faster, smarter, and more compliant decision-making without replacing existing systems.

Banks face rising fraud risks and regulatory pressure under AML and PSR rules, but fragmented systems and incomplete data limit their ability to act effectively.

Datavillage’s trusted AI Agents connect existing tools and datasets to deliver context-rich, explainable intelligence. They help analysts prioritize critical alerts, detect emerging fraud typologies, and improve decision accuracy, enhancing compliance and collaboration without exposing sensitive data.

www.datavillage.ai

Digiteal

Digiteal, a Belgian fintech founded in 2015 and part of Aera Payment & Identification, provides secure and modular API solutions for financial efficiency.

From Peppol e-invoicing to payments and Open Banking, we help European merchants get paid faster, more regularly and at lower cost.

www.digiteal.eu

Finrack

Finrack helps stock-heavy SMEs unlock the value of their inventory without disrupting operations. Through an innovative purchase-back model, we virtually acquire stored goods while businesses continue to use them as usual. This flexible structure releases up to 70–80% of stock value as immediate working capital, renewed over 12 months. With transparent terms and quick execution, Finrack finances from €250K to several million, turning idle inventory into liquidity that fuels growth and resilience.

www.finrack.com

Graydon Creditsafe

Disruptive, innovative, and ambitious. With more than 150 years of combined experience, we evolved from a pioneer to a global leader in business information. With a vision to change the way companies do business worldwide, GraydonCreditsafe – part of the international Creditsafe Group – transforms the efficiency and performance of organisations through unique data-driven solutions. Today, we are the world’s most widely used provider of business information.

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

www.creditsafe.com/be

Intuitech

Intuitech is the EU market leader in providing AI agents for lending, with 200+ engineers, serving financial services and Fortune 500 companies in 10+ European countries. 8 major European banks, like Erste BCR are already live or going live by end of 2025 with Intuitech’s flagship product, the Loan Origination AI Agents which enable top banks to redefine loan origination - reducing manual effort by 90%+ and slashing approval times – even in complex cases like mortgages and SME loans.

www.intuitech.studio

InvestHK

InvestHK is the investment promotion agency of the Hong Kong government. It supports overseas companies, from multinational corporations to startups, in planning, establishing, and expanding their business in Hong Kong.

Its services are free of charge, helping foreign businesses develop the Hong Kong market through access to market intelligence, key contacts, and practical assistance.

InvestHK has a dedicated Fintech team and serves as the organizer of the annual Hong Kong Fintech Week.

www.investhk.gov.hk

itsme

itsme® is Europe’s leading app for secure mobile identification and privacy, with over 7 million users and 35 million actions monthly. Users can identify, authenticate, confirm transactions, sign documents, and share data safely.

itsme® was recognized by the Belgian government in 2018 and the EU in 2019 (LOA high eIDAS). The application is widely used in the financial sector as it complies with PSD2, FATF, and GDPR regulations and has obtained ISO27001 certification. www.itsme-ID.com

Mifundo

Mifundo connects people’s financial histories across EU countries enabling instant access to banking and credit services for customers with foreign or very thin credit profiles.

Addressing the €719 billion cross-border lending market, Mifundo creates a passportable financial identity. Backed by €10 million from the European Innovation Council, Mifundo provides banks with cross-border credit data to assess customers accurately and serve them seamlessly across Europe.

Mifundo’s cross-border credit data enables banks across Europe to connect people’s financial histories, providing instant access to credit services for customers with foreign or very thin credit profiles.

Addressing the €719 billion cross-border lending market, Mifundo creates a passportable financial identity that moves with customers across borders.

Backed by €10 million from the European Innovation Council, Mifundo helps banks assess customers accurately, make better lending decisions and serve clients seamlessly throughout Europe.

www.mifundo.com

Nabu Tech

NABU helps acquirers, PayFacs and fintechs turn KYC from a manual burden into smart, AI-driven intelligence.

Our Deep KYC engine accelerates merchant or client onboarding and automates regulatory checks to deliver precise, audit-ready decisions. AI Agents orchestrate data collection, validation, MCC analysis and automated UBO checks, supported by perpetual monitoring.

With explainable and auditable AI and a focus on supporting the ‘human-in-the-loop’, we reduce false positives, cut manual workload and help teams reduce the cost of acquisition—getting you from onboarding to no-boarding

www.nabutech.eu

Pair finance

PAIR Finance is a leading fintech company specializing in digital debt collection. The company is transforming the industry in Europe with its digital, efficient, and customer-centric approach. Leveraging artificial intelligence, behavioral psychology, and data science, PAIR Finance is setting a new standard in debt collection that benefits both business clients and consumers.

More than 600 companies from various industries are already using this debt collection solution for the digital age.

www.pairfinance.com

POM helps organizations in a variety of industries to receive payments more smoothly, in a more customer-friendly and social manner, and at lower costs. We combine our advanced technical platform with a people-centric approach. With our smart software, organizations can easily create, send and automatically track their invoices. Thanks to easy-to-use payment features such as QR codes and payment links, more invoices are paid on time.

Our mission is to provide a convenient and effortless user experience: if you use POM, you pay with a smile. That makes us the preferred partner of more than 3,200 customers in Europe.

www.pom.be

Simont Braun

Simont Braun is a reference law firm in FinTech and Financial Services in Belgium.

Our team combines sharp legal expertise with practical insights and strong connections with the financial ecosystem and the regulators.

Simont Braun assists FinTech service providers with all regulatory, legal, data, tech, AI & compliance matters.

We’re furthermore specialised in helping foreign FinTechs navigate local regulations and enter the Belgian market.

Reach out via digitalfinance@simontbraun.eu

www.simontbraun.eu

Solanteq

Empowering the Future of European Payments. At Solanteq, we enable banks, acquirers, and fintechs to innovate freely and confidently — accelerating the evolution of digital finance across Europe.

Our API-first, scalable SOLAR platform unites issuing, acquiring, fraud prevention, loyalty, and e-commerce in one seamless ecosystem.

Driven by innovation, security, and partnership, we help financial institutions modernize faster, grow smarter, and lead confidently in a trusted, connected payments world.

www.solanteq.com

Febelfin Academy

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

We assist financial professionals in developing their knowledge and skills, preparing them for every next step in their career through impactful hybrid financial learning journeys from basic to expert level and with a focus on job-specific skills.

Febelfin Academy is a ‘house of trust’ for the financial sector an inspiring meeting place where ambitions and experiences are exchanged.

www.febelfin-academy.be

isabel

Isabel makes banking, data, and security work for you since 1995 by simplifying administrative and financial processes, while ensuring the smooth and reliable exchange of payments, documents, and corporate data. We do this through platforms like Isabel 6, Ponto, Kube, and IntelliSuite. Our goal is to unite the banking sector, software providers and customers in one powerful financial ecosystem.

www.isabelgroup.eu

Monizze

Monizze, a Belgian FinTech and HR Tech player, helps companies modernize compensation through digital benefits that boost purchasing power. In today’s climate of inflation and shifting expectations for flexibility, Monizze turns traditional benefits into smart, hassle-free solutions: high value, accessible to all, zero admin burden. Meal, eco, gift or solidarity vouchers, mobility budget, cafeteria plan: all digital, all in one place.

www.monizze.be

OneSpan

OneSpan provides secure authentication, identity, electronic signature, and digital workflow solutions. Trusted by global blue-chip enterprises, including more than 60% of the world’s 100 largest banks, OneSpan processes millions of digital agreements and billions of multi-factor authentication transactions in 100+ countries annually.

www.onespan.com

Time.lex

Timelex is law firm specialised in digital finance, fintech, Artificial Intelligence, IT, intellectual property law, contracts and commercial law. Ranked as top-tier firm in international rankings Legal 500 and Chambers.

Partner Edwin Jacobs co-founded the Fintech Lawyers Network.

We advise about i.a. payment services, AI, digital finance, scope discussions (exceptions, exemptions, legal impact of payments and data flows in ecosystem), contacts with regulators etc. www.timelex.eu

Trends Business Information

Trends Business Information (TBI) delivers high-quality business and financial data to support risk management, compliance, and strategic decision-making. As a trusted partner for professionals across industries, TBI provides reliable insights into the Belgian market, helping organizations operate with confidence and transparency.

trends-business-information.be

THE POWER OF NETWORKING

The Digital Finance Summit offers you the best networking opportunities in Belgium in our industry. Check out all the great tools and possibilities for you to make the most of it!

Download the “Bizzabo” Mobile App and turn your notifications “on” to receive the real-time messages!

In the Community tool, search, contact, invite other participants and speakers of the event! Fill in your calendar with useful meetings.

EXPERIENCE THE DFS IN THE BEST WAY

MEET THE RIGHT PEOPLE

Make the most of your event with private one-on-one messaging, robust attendee profiles, and social media integrations.

NEVER BE LEFT OUT OF THE LOOP

Receive important notifications during the event. Access your tickets, the agenda, and other important information about the DFS on your mobile.

ATTEND STRATEGICALLY

Before the event starts, see who else is attending, mark leads and set up meetings.

Download the app, enter your email used for registration, use your ticket number, keep the notifications “on” and you are all set for the full experience.

PROGRAMME

FLOORPLAN

Agenda EUROPE’S DIGITAL LEAP

We are delighted to kick off our splendid event with insights from the CEO of Febelfin and the Chairman of the Board of Directors of FinTech Belgium.

The opening keynotes will explore how technological transformation is changing society, driving innovation, and shaping the future of European Digital Sovereignty.

SPEAKERS HERE IS THE PROGRAMME MASTER OF CEREMONY

9:00 Welcome by Raf De Kimpe, FinTech Belgium

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

9:25 Opening keynote by Peter Theunis, Visa

9:35 Opening keynote

Cédric Nève, Digiteal

Cédric

NÈVE CEO Digiteal

Karel BAERT CEO Febelfin

Peter THEUNIS

Visa Country Manager, Belgium & Luxemburg Visa

Raf DE KIMPE CEO FinTech Belgium

Toon VANAGT

Chairman of FinTech Belgium and Managing Partner at Data.be

STAGE 1 / MAIN STAGE

09:50-11:05 Regulation: Striking the Right Balance

If you think regulation is just about restrictions, you need to attend this session. Europe is entering a new regulatory era - one that will shape innovation, competition, and trust across digital finance.

We’ll explore how regulatory expectations are shifting, what this means for financial players of all sizes and how Europe can build a framework that protects while enabling digital growth. If you want to understand how regulation is evolving and how to turn it into an advantage this session is for you.

SPEAKERS

Amélie BREITBURD

Board Member

FinTech Belgium

Alessia BENEVELLI

Policy Expert

Digital Finance

European Banking Authority

Alexandra

MANIATI

Senior Director

Innovation & Cybersecurity

European Banking Federation

Christophe MAJOIS

Coordinator -

Economic research & forecasting service

FSMA Jos GHEERARDYN

CEO Yields

Kaido SAAR

Co-Founder & CEO Mifundo

Marko KOIĆ

Marketing Director Copla

Mireille GALEAZZI

Director Public Affairs

Euroclear

STAGE 1 / MAIN STAGE

11:50 - 12:55

Payments Beyond Borders

Cross-border payments are a major topic worldwide, but especially in Europe. With new initiatives reshaping how people and businesses transact across the continent, the question is: how can Europe turn this momentum into a more seamless, innovative and sovereign payments ecosystem?

This session explores how the European payments landscape is evolving from the rise of instant payments to the emergence of a European Digital Wallet and deeper integration driven by initiatives like EPI. We will look at how these developments are creating smoother more secure payment experiences for both Belgian and wider European markets.

SPEAKERS

Charles

VAN DEN BOGAERT

Country Manager

Belgium

iBanFirst

Inna KOSTIUK

Global Business Development Manager

Worldline

Magali

VAN BULCK

Head of Policy (EMEA)

Wise

Pavlo DENYSIUK

CEO Lunu Pay

Robert MASSE CEO Paynovate

Sezer ARSLAN

Co-Founder & CEO Oxivo Group

Joris GERMONPRÉ

Product Management Lead itsme

Youcef TAHARI

Business Associate

The Payments Association EU

STAGE 1 / MAIN STAGE

14:10 - 14:40 Afternoon Opening Session

Opening the afternoon, we will have a forward-looking keynote on how Europe can finally move from ambition to action and unlock real opportunities for business and investors. Right after, a fireside chat with BECI and VOKA will dive into the realities of entrepreneurship today: what it takes to grow, scale and thrive in a rapidly changing economic landscape.

Opening by Alessandra Guion, FinTech Belgium

Opening keynote by Benoît van den Hove, Euronext and Sandra Andersson, Euronext

Fireside chat with Thierry Geerts, Beci and Hilde Schuddinck, Voka Oost-Vlaanderen

Alessandra GUION Chair / Board Member

EDFA, Fintech Belgium, Isabel

SPEAKERS

Benoît VAN DEN HOVE

CEO Euronext

Hilde SCHUDDINCK

Managing Director Voka Oost-Vlaanderen

Sandra ANDERSSON

Head of Government Affairs Euronext

Thierry

GEERTS

CEO Beci

STAGE 1 / MAIN STAGE

14:45 - 15:50 Fintech For Good

If you think fintech is only about technology, think again. This session will explore how innovation can create real impact for people and communities. We’ll kick off with a keynote ‘Smart Technology, Human Compass: Future-Focused Talent in Finance’ looking at future-focused talent.

This will be followed by a panel discussion on how fintech is shaping a more inclusive, empowered and sustainable financial landscape. We’ll showcase practical examples from Belgian fintechs and EU initiatives, illustrating how digital solutions are driving financial inclusion, digital empowerment and sustainable finance.

Beyond the technology, we’ll ask the big questions: How are these innovations changing the lives of underserved communities and what’s next for fintech in Europe?

SPEAKERS

Ana-Maria FIMIN

Policy and Legal Officer

European Commission

Bernard NICOLAY

Finance Professor & Senior Advisor

Solvay Brussels School of Economics and Management (ULB)

Hind SALHANE

Head of Corporate & Government Affairs

GraydonCreditsafe

Maria (Rie) DE COCK

CEO

Scudi

Olivier MUTSAERTS

Head of Sales and Development

Nickel

Saskia VAN UFFELEN

National Coalition

Lead Digital Skills

Belgium - Manager

Future Workforce

Agoria

STAGE 1 / MAIN STAGE

16:35 - 17:50 Leveraging Artificial Intelligence

Artificial Intelligence is rapidly reshaping the financial industry across Europe, with both agentic and generative AI offering transformative potential.

This session will explore how financial institutions and fintechs are pioneering AI-driven solutions, from hyper-personalised banking to advanced fraud detection, contributing to the continent’s innovation. We will unpack the distinctions and synergies between these AI forms within the EU’s evolving regulatory AI framework.

Discover the cutting-edge AI trends that are enabling a more intelligent, efficient, and customer-centric financial future for both Belgium and the wider European market

SPEAKERS

Anthony BELPAIRE

Head of AI

BNP Paribas Fortis

Ariane BERCKMOES

CDTO

Ethias

Greet

DEKOCKER

Managing Director

Becom

Thomas GEERINCK

Head of Data & AI

ING Belgium

Bálint KIS

Chief Business Development Officer

Intuitech

Guillaume THUET

Head of Consumer Payments for France/ Belgium/Luxembourg

Visa

Selma TURKI

AI COE Leader

Euroclear

Nico VINCENT

Founding Partner Sailpeak

EXHIBITION HALL / AUDITORIUM

17:55 - 18:20 Closing ceremony

Awards Ceremony for the European FinTech Pitch Battle

The main stage will close with a fascinating talk on Making the Impossible Possible for Company Data Providers featuring Trend Business Information, offering a more holistic view on how smart task allocation between AI and human experts makes the impossible possible.

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

AWARD CEREMONY PARTNERS

Ann MARCELLE Sales Manager Trends Business Information

SPEAKERS

Kris BOUDT

CEO/Professor Sentometrics/ UGent/VUB

Raf DE KIMPE CEO

FinTech Belgium

Patricia BOYDENS

Vice-President of FinTech Belgium and Client Partner at Capgemini

Toon VANAGT

Chairman of FinTech Belgium and Managing Partner at Data.be

STAGE 2 / EUROPEAN FINTECH PITCH BATTLE

PROGRAMME

Pitches (5 min pitch + 5 min Q&A)

9:50 - 11:05

1st session

1 year later, winner of Startup Prize 2024, by Matteo Spreafico (Finanz)

1. NabuTech

2. Blue41

3. Beep

4. Finrack

5. Prismos

11:50 - 13:00

2nd session

1 year later, winner of Scale-up Prize 2024 by Arianna Colombo (MDOTM Ltd)

6. Copla

7. AQRISK Banking Solutions

8. StaBillon

9. MyProved

10. Vyntra

VOTE FOR YOUR FAVOURITE PITCH

Poll available in the Pitch sessions in the agenda

MODERATOR

Jean-Christophe VERCAUTEREN

FinTech Lawyer

Osborne Clarke

MEMBERS OF THE JURY

Leen

ANTHUENIS

CEO SuperNova

Rodolphe

D’UDEKEM

D’ACOZ

Head of Business

Unit Expertises

Hub.brussels

Koen

DE WAELE

General Partner

Volta Ventures

David HAINE

CEO

UniqueX

Pierre-Emmanuel HOUILLIER

Managing Director

HSBC

Alexis MALHERBE

Investment manager

Finance&Invest

Brussels

Kris

MERTENS

Venture Acceleration Manager

imec.istart

Selin SUNTAY

Venture Manager Bpifrance

Isabelle TENNSTEDT

Partner

Seeder Fund

Jean-Louis VERVISCH

Investor

Finch Capital

Natalia VILLARREAL

Partner Relations

Lead

SuperNova

STAGE 2 / INTERACTIVE SESSIONS

14:45 - 15:50 Roundtable on Trust and Security in an AI-Driven World: From Identity to Fraud Prevention

This session opens with a talk on ‘Are You Human? Or Robot? Winning Customer Trust in an AI-Driven World with Identity’ exploring how businesses can verify users and build confidence in an era of automation. Then we will shift to a panel discussion on how emerging technologies are transforming fraud detection. We’ll look at what’s working, where new risks are emerging and how we can strengthen trust in systems that are becoming ever more automated.

SPEAKERS

Alessandra

CHIARINI

European Banking Federation

Edwin JACOBS

Timelex

Folkert

DE NEVE

Datavillage

Maurits

LUCAS

ThreatFabric

Sutton

MAXWELL

Curity

MODERATOR

Marc

LAINEZ

Spin42

STAGE 2 / INTERACTIVE SESSIONS

16:35-17:40 Roundtable on Digital Assets & Stablecoins

Navigating the Future of Finance

This roundtable will focus on how innovative financial instruments are reshaping payments, investment and corporate finance. From the evolving regulatory landscape to practical use cases, we’ll examine how stablecoins are enabling faster, more secure transactions, enhancing liquidity and opening new opportunities for businesses and investors in a digital-first economy.

MODERATOR

Philippe DE PREZ

Simont Braun

Alexander DOROFEEV Cofounder & Director Solanteq

SPEAKERS

Paula KANT

Invest Hong Kong

Inna

KOSTIUK

Worldline

Joanna

KOLBER

VISA

STAGE 3 / INTERACTIVE SESSIONS

9:50-11:05

Classroom on Third-Party Risk Management (TPRM):

When partners become risk

An integrated perspective and compliance roadmap (DORA, EBA Guidelines and more).

In today’s interconnected environment, financial institutions increasingly depend on external providers - a dependency that can quickly turn into exposure if risks are not properly managed.

This fast-paced session will provide a concise and dynamic overview of Third-Party Risk Management (TPRM) through the lens of the Digital Operational Resilience Act (DORA) and the EBA/

EIOPA/ESMA Guidelines. Rather than a deep dive, the focus will be on practical integration: how to design and implement a coherent, risk-based approach across all third-party arrangements, ICT-related or not.

Participants will walk away with a clear compliance roadmap covering the key stages of the third-party lifecycle - from due diligence and contracting to ongoing monitoring, subcontracting, and exit strategies - and concrete insights on how to align regulatory expectations with operational realities.

Thomas FAELLI

Ethikos Lawyers

Febelfin Academy

SPEAKER

STAGE 3 / INTERACTIVE SESSIONS

11:50-12:55 Roundtable on Alternative methods of investment and funding

INVEST DIFFERENTLY, GROW SMARTER

Join us for a dynamic roundtable on innovative funding alternatives reshaping business finance today. We’ll explore how companies are moving beyond traditional bank lending by unlocking capital from receivables, inventories and real estate assets. From factoring and mortgage-based financing to agile fintech solutions offering faster, more flexible access to working capital, this session will highlight practical strategies, real examples, and emerging trends helping businesses strengthen cash flow and fuel growth in a changing market.

SPEAKERS

Enky

CARLIER Mozzeno

François DE WITTE FDW Consult Services MODERATOR

Aïssa LAROUSSI

Camille

Xavier CORMAN Finrack

STAGE 3 / INTERACTIVE SESSIONS

14:45 - 15:50 Workshop on ICT Third-Party Providers: backbone or vulnerability?

Laura GONZALEZ

PRIEDE

Approach Cyber SPEAKERS

The session explores how ICT third party providers are impacted by their clients’ TPRM demand. It highlights the challenges of managing dominant tech providers with limited flexibility and emphasizes the importance of strategic alignment and risk mitigation. A real-life incident underscores the need for robust incident response planning and continuous oversight of third-party relationships.

Approach Cyber

Florence STEENACKERS

Approach Cyber

Sylvain DELBAUVE

STAGE 3 / INTERACTIVE SESSIONS

16:35 - 17:50 Roundtable on Revolution in Payments around E-Invoicing & Credit Collection

The EU eInvoicing landscape is rapidly changing.

While countries like Belgium and the Netherlands are busy implementing standards such as PEPPOL and UBL, we must look beyond these current efforts.

Looming large on the horizon is the comprehensive EU regulation, ViDA (VAT in the Digital Age). In fact, pioneers like France are already embracing ViDA’s digital mandates through their innovative PDP model.

Join this refreshing roundtable to explore the future of e-invoicing, where integrated payment systems and smarter credit collection strategies are set to transform how businesses manage transactions, accelerate payments and optimize cash flow in the digital age.