The Most Recommended Fintech Solution Providers: 2021

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The Most Recommended Fintech Solution Providers : 2021 The Fintech industry has played a major role in global adop on with advanced technological innova ons encapsula ng the transcendence in me. Since the last decade they have emerged as a source of providing more concepts in regards to financial consumerism. As it stands to be one of the most important sectors, The Business Fame's edi on “The Most Recommended Fintech Solu on Providers : 2021” is dedicated to stalwarts from the industry.

Celebra ng the future of a safe and secure financial environment, Paytweak in our cover story defines the way of a universal lifestyle even in Covid19 situa on. With no compromise in place, Theirry Meimoun, Founder & CEO of Paytweak highlights how fintech's are the bioteches of finance by connec ng the dots and converging paths for consumers.

The best of Business sec on is an inspira on to financial growth with Ecoly q and Prodoge larger than life professional journey.

In an interview with Ulrich Pietsch, CEO of Ecoly q shares how sustainable banking has brought a change with best of its products encouraging aspirants to be the change in

the world for the future. Julian Kopald, Founder of Prodoge briefs us about how a crypto currency wallet can be beneficial and the key to securing private finances.

Given the fact of rapid digital transforma on taking place in the fintech sector it is thus an expert's vision to enrich and educate the consumers about the advancements. The edi on is a sneak peak of how these entrepreneurs have converted posi ve energies and gained their posi ons.

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CONTENT

PAYTWEAK

Safe, Secure and Universal COVER STORY | 08

BEST OF BUSINESS

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ECOLYTIQ

Providing one-stop solution for sustainable banking

PRODOGE Cryptocurrency Wallet for Business.

FROM THE EDITOR

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Digital Transformation in Finance: Everything you Need to Know

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Everything about contactless cards; why you should opt for one next time

Thierry Meimoun Founder & CEO ™

PAYTWEAK Safe, Secure and Universal “The Link we make at Paytweak is much more than a reference payment link or a link between merchants and consumers, it's Paytweak positioned as a Core Link in the chain that connects the contemporary payment world to the future innovative journey in the digital age.”

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Cover Story

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inancial technology or the Fintech is one of the fastest growing areas in the global business today.

The rapid growth of Fintech market has helped many of businesses and individuals to expand their services during the pandemic of COVID-19. This growth and advancements are helping the financial institutions across the globe to reduce their costs of providing services; it has also increased its reach to the people and has kept up economic activity during the pandemic.

Featuring for the Cover Story of The Business Fame's issue of The Most Recommended Fintech Solution Providers in 2021 is Paytweak, a company that is making Fintech safe, secure and universal.

The Company Fintechs are the Biotechs of Finance. A genuine shockwave in the financial services sector, as Fintechs' innovation is the heart in their DNA. Designed to disrupt entrenched models and shake up conservatism and the great traditional systems, Fintechs draw their power from their pioneering spirit.

As a trendsetter and source of inspiration for neobusiness, innovation is the very basis of Fintechs. Quiet forces with monumental impact, Fintechs are the revolutionaries to break the systems. Each have their own speciality, with their inventions they write and define the new story and the path ahead every day, pushing the limits of their cosmos ever further and never hesitating to set foot in worlds still unknown to all.

intelligence) and Machine Learning technologies and combined with revolutionary infrastructure, Paytweak has been both the EXPERT and LEADER in secure remote payments for over 5 years.

“We make the link” Connecting to over 500 acquirers and Payment Service Providers (PSPs) worldwide makes Paytweak THE universal solution triggering instant payments via all payment methods on the market; a solution that optimizes cash flow and significantly reduces customer payment times.

As a Fintech, Paytweak not only positions itself as an actor of its time and a solution for its contemporaries, but also carries in its DNA the futuristic and disruptive vision for tomorrow's world of payments and technology.

Remaining pertinent in the digital age is not a challenge nor a mission for Paytweak, but simply the embodiment of its raison d'être: Paytweak is and remains relevant in the digital world as a player in the game, a builder of the new systems and a mover towards all new frontiers.

By investing in Machine Learning, AI and Block Chain technologies, Paytweak is contributing to the digital revolution. Gradually transforming and embellishing the Link between man and technology to form a genuine relationship based on service and trust, Paytweak makes the Link beyond code and words and becomes the matrix

In the age of global digitization, the safety, security and protection of digital data is a key concern. Malware, viruses, phishing, are only a small part of the dangers of our time. Faced with such situations, whether for end users or businesses, all wish to use safe, secure and reliable digital solutions for their finance-related tasks.

This is precisely what Paytweak offers as the leader in secure multi-channel remote payment options.

Paytweak develops innovative payment solutions to meet the collection needs of businesses across ALL channels, without geographical limits.

This Fintech software accelerates and facilitates the collection process, integrating payments, orders, deliveries and invoicing be it remote or at point of sale through functionalizes used via SaaS or API, which are UNIQUE on the market.

Developed on proprietary Blockchain, AI (artificial

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KNOW YOUR LEADER Thierry Meimoun Leading the Way Founder of Paytweak and a pioneer in the field of real-time and remote collections via secure hyperlinks, sms, and instant messaging and QR codes, Thierry Meimoun is renowned in the world of digital payment innovation.

At the age of 13, he showed his software talent by developing a flight simulator.

The code for this software was published in the trending computer magazine of the 1980s “Hebdogiciel”. This invention was the starting point for a series of software innovations over the years with the publication three years later of D-Virus 6.06, one of the very first anti-virus programs for 3.5" floppy disks published in “Shareware magazine” CD-ROM. In the late 80s, Thierry Meimoun continued to innovate and developed one of the very first CRM softwares, “Call Soft” deployed in many Parisian advertising agencies,

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with revolutionary functionalities offering a real customer management tool.

His trailblazing continued when he won tenders from the City of Paris Police Prefecture to create the very first website for the prestigious Paris Fire Brigade. At the age of 22, he founded his first company, “Imedia”, a web agency specialising in development and ecommerce. Simultaneously, he launched the very first Singles' Magazine and sold it to a large agency inspired by this innovative concept. His visionary and entrepreneur talents really came together with his coding genius when he created Paytweak in 2015. His vision for the payment world was to bring secure and integrated embedded links for customers to click and pay. Today this payment method created by Thierry Meimoun has become a source of inspiration for the market and the world of payments.

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Leader and Expert in secure remote payment since 2015 Send your payment request by email, SMS or use the Paytweak App turning your smartphone into a POS machine and using NFC payment.

of innovation in secure and real-time remote payments.

The Road Ahead2021 will not be seen as a logical continuation of 2020 but as necessary extension of an extraordinary previous year.

Indeed, 2020 will be remembered as a real fracture in world history, generating not only an overhaul of models of all kinds but also placing digital transformation as essential.

With multiple lockdowns and social distancing, consumption and consumerism have pushed the boundaries to a new level of hyper-digitalisation of services and on systems.

This accelerated digitalisation has sometimes, even often, occurred in emergency contexts where security systems and automation have sometimes been reduced to the bare essentials. 2021 will be the year of consolidation as the systems take the impact of massive digitalisation from 2020. The Fintechs have seen their power increase tenfold over the past year and in the face of future developments of cyber-security and development of the new models implemented last year, their role as players will be more than even crucial and key in the year ahead.

Paytweak is a Fintech, so by its very nature, it driven to challenge the competitive landscape, stay one step ahead and remain very relevant. Innovation has always been the core code of existence of Paytweak and its founder. Identifying and creating what does not yet exist, bringing solutions to problems before they happen and tweaking and tending to client services that are still scattered, this is Paytweak's guiding star and raison-d'être.

“The Link we make at Paytweak is much more than a reference payment link or a link between merchants and consumers, it's Paytweak positioned as a Core Link in the chain that connects the contemporary payment world to the future innovative journey in the digital age.”

Going forward, Paytweak will continue to consolidate its position as leader in secure, real-time and remote payments by link, and

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push innovation and coding further to bring merchants and retailors enhanced customer services in their payment journey.

In addition to exciting technological developments, our Fintech aims to increase the its partnerships with international banks and PSPs with a view to extending its global reach, influence and collaboration. This strategic extension plan will be supported from the first quarter of 2021 with a Series-A fund raising.

Today Paytweak is operational in Europe, Russia, North America and Asia-Pacific with a 3-digit growth rate since its creation. Our innovative SaaS solution has enabled us to position ourselves among the largest players in the industry, and our major partnerships with banks and PSPs demonstrate our collaborative capacity. Today, recommended by many of the largest financial institutions and payment organisations, our company has become a recognised and reputable name both in security and excellence.

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These multiple and valued relationships with diversified partners form the pillars on which Paytweak stands to prosper and complements the natural DNA pillars of Paytweak as leader in the market offering continued innovation in the payments sector through our brands.

This is the driving force behind Paytweak and underlying power for its future.

Already the owner of many brands, Paytweak App, VoicePay, and Link2Pay by Paytweak, Reverse and Call Delivery, Paytweak continues to trailblazer and create globally recognised brands. Paytweak's next revolution will be to invest in a major evolution of global payment systems through quantum finance.

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ECOLYTIQ PROVIDING ONE-STOP SOLUTION FOR SUSTAINABLE BANKING

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n Candid Conversation with TBF, Ulrich Pietsch, the Founder of ecolytiq, shared some insightful views and highlighted the influences made by their company to be the most recommended fintech solution provider.

Q. Brief us about the Company journey of rich experience – origin, inception, early issues, success stories, and major milestones, to name a few.

ecolytiq was founded in March 2020 – when the world was shaken by the emergence of the Covid-19 pandemic. Where others saw despair and gloom, the ecolytiq founders – David Lais and Ulrich Pietsch – saw hope. David and Ulrich founded ecolytiq in the deep belief that, notwithstanding the pandemic, climate change is an issue far too important to be ignored any longer. ecolytiq was founded on the principle that every bank transaction has an impact. Millions of consumers (= bank account owners) deserve transparency on their personal influence on the environment and guidance on what they can do every day to fight climate change. ecolytiq's first major milestone was developing a software based on the Open Payment Standard by NGO 'Organization for Sustainable Consumption'. More months of hard work flowed into the further development of both the product and the growth of the team from 4 dedicated employees to over 40 impact-driven people. In November last year, ecolytiq joined the Visa Fintech Partner Connect Programme, opening up new business

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opportunities all over the globe.

Q. Brief us about the CEO/Founder of the Company.\ Throughout his life, Ulrich Pietsch has been fascinated by technology and started programming computers when he was only 10 years old.

Later on, he stuck to his childhood passion for technology, and has founded multiple companies that enable new, disruptive business models through software and digitalization.

Thinking about his next step and purpose in life, a triggering moment came about when watching a movie with his two sons about the future of the planet, explaining what would happen if humanity failed to solve the climate crisis. His sons started crying, and Ulrich decided to act and apply his knowledge in technology for the purpose of sustainability. He is convinced that technology is the game changer to tackle climate change on a broader basis.

Q. Kindly talk about the exclusive products or services offered by the Company, How does it distinguish you from your competitors? ecolytiq offers three core products: ecoAware (where bank customers see their environmental footprint, e.g.

CO2) for each bank transaction through their online banking), ecoEngage (bank customers learn what they can do right now to lower their carbon footprint and, through feedback loops, how their sustainability score is performing over time), and ecoAction (how people can offset their footprint by donating to certified sustainable

organizations, plus the option to invest money into ESG funds). These three products are unique, because they incorporate the core ideas of sustainability: education and action.

Sustainability-conscious consumers will be more inclined to consider ESG funds, which makes sustainability a strong business case for banks.

Q. What is the vision and mission of the Company?

We educate consumers about their individual impact on the environment and empower them to contribute to a better world. We offer Sustainabilityas-a-Service for financial institutions.

Q. What is the present scenario of the Fintech sector? How are you contributing to making it better?

Investments are the land of milk and honey for banks. Instead of considering the climate crisis a “challenge”, banks should rather view it as the greatest opportunity.

We are in dire need of completely overhauling our infrastructure, and this can only be accomplished through massive investments in the right areas. Banks need to recognize what the right investments are and which of those investments benefit our planet and our society. From a regulatory standpoint, this appears very complex at first. What is lacking is transparency that many businesses still refuse to provide. “Data is the new gold” – which is true in many industries, but this approach does not support sustainability. Solving the climate crisis is a joint effort, which means that we must learn to share our data. Not personal information, but the crucial information that

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ONE-STOP SOLUTION FOR SUSTAINABLE BANKING affects our impact on the environment. We need transparency and data – which is why digitization is the key. The financial world can be a great pioneer in using existing data to create transparency, but also define new standards and requirements to encourage companies to share their sustainability data. FinTechs and banks are at the core of a sustainable tomorrow.

Q. What are the marketing strategies adopted by the Company?

We are operating in a B2B2C business model: the customers, who purchase our Sustainability-as-aService software, are the banks and financial institutions. The benefit of our technology is for the consumer.

Our business model is holistic and, through being a Visa Fintech Partner, we are currently rolling out our

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solution to banks in Europe and will be doing the same in the US this year.

Q. How do you portray the future of the Company in the next decade?

We want to enable thousands of banks offering Sustainability-as-aService to billions of consumers all over the globe and be the centre of change for a sustainable tomorrow.

Q. What advice would you give to the upcoming entrepreneurs and professionals?

Look for a purpose, something that leaves a positive impact in our world.

“Be the change you want to see in the world.” Technology is a game changer, only with technology can we solve the climate change issue.

Ulrich Pietsch has been an entrepreneur all his life – together with his co-founders, he built ecolytiq as a company of entrepreneurs, valuing creativity, sustainability and an unbroken belief that technology can be used for the greater good.

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n Candid Conversation with TBF, Julian Kopald is the Founder of Prodoge have shared some insightful views and highlighted the influences made by their company to be the most recommended fintech solution provider.

Q. Brief us about the Company journey of rich experience – origin, inception, early issues, success stories, and major milestones, to name a few.

Prodoge is delivering products that enable people to do global business easily with only a mobile phone. It is now available in 22 languages, 150+ fiat currencies, and people in over 100 countries are using it to buy, sell, exchange, hold, send, receive, and do business with crypto currencies.

Q. Brief us about the CEO/Founder of the Company.

Julian Kopald is a longtime advocate of crypto currency and serial entrepreneur who has been involved in the crypto currency space for a decade. Previously, he co-founded the Peak & Spartan Race series and developed several early mobile banking applications among other endeavors.

Q. Kindly talk about the exclusive products or services offered by the

PRODOGE Cryptocurrency Wallet for Business.

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Company, How does it distinguish you from your competitors?

Prodoge is a non-custodial crypto wallet for Bitcoin, Dogecoin, DigiByte, Ethereum, and USD Coin.

People can buy, sell, or exchange these crypto currencies, but Prodoge differentiates itself from other crypto wallets due to its focus on peer to peer payments and merchant solutions. Making payments to friends or merchants is as simple as typing their username and clicking “Send” and merchants can get started accepting payments online, in the app, or through social media in under 5 minutes through checkout widget, point of sale, invoicing, and payment link solutions.

Q. What is the vision and mission of the Company?

and do business near instantly and for free with crypto currencies like DigiByte and Dogecoin. The moment is Freedom.

Q. What are the marketing strategies adopted by Company?

We are delivering products that empower people to do global business and payments.

Prodoge is available now for all Apple devices and will be available for Android devices by the end of the year.

Q. What is the present scenario of the Fintech sector? How are you contributing to making it better?

Q. How do you portray the future of the Company in the next decade?

The Fintech sector continues to innovate and products can now be divided into “custodial” and “noncustodial” solutions. Prodoge is a non-custodial solution that puts the responsibility of securing the “private key” for the wallet in the hands of the individual. This is a big responsibility, but it provides the ultimate in security since the private key owner is the only one who can access his wallet. Being noncustodial also allows Prodoge merchants to receive payments directly without any middlemen or merchant fees. When people use Prodoge, they “become their own banks” and are able to send payments

Doing business with crypto will become much more prevalent in the years to come and Prodoge will continue to provide easy payment and wallet solutions to individuals and businesses worldwide.

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Q. With respect to your distinctive products and services, how have you helped bring positive

developments in the Telecom industry?

Prodoge has partnered with Bitrefill to enable the purchase of prepaid Airtime minutes with crypto currencies in over 100 countries directly from the Prodoge wallet application. This makes it easier than ever to use crypto currency in daily life for the services people need.

Q. What advice would you give to the upcoming entrepreneurs and professionals?

Crypto currency allows for truly global business. It's now possible to send money “instantly” and “for free” to anyone, anywhere, and merchants can now accept payments without paying any merchant fees. If you haven't yet started with crypto currency for your business, the time is now.

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DIGITAL TRANSFORMATION IN

FINANCE EVERYTHING YOU NEED TO KNOW 24 | MARCH 2021

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n the digital age, technology is evolving at such a rapid pace that businesses must adapt quickly in order to keep up. Many industries have already adopted these trends and are reaping the rewards of doing so. The finance industry, however, has been slower to change despite increasing pressure from clients and shareholders – but this may be about to change.

overall gain tangible financial gains. And most CFOs that are standing on the corners observing the industry agree that leveraging digital technologies is the only op on for cu ng costs and keeping up with the compe on. At present, it’s not just about digi zing exis ng processes; it is also about embracing new ways of working and constantly finding new outlets to improve the way people work together.

For decades, the finance func on has remained sta c.

Conven onal tradi ons, complex legacy systems, and tough-to-grasp regula ons have rendered financial departments averse to change.

But in today’s dynamic business environment, these risk factors can no longer be ignored. Digitaliza on is disrup ng the way businesses operate and forcing incumbent players to reexamine their strategies.

Top 3 Technologies for the Future of Finance

What is Digital Transforma on in Finance?

Digital Transforma on in finance refers to the use of digital landscape and innova ve technology that can lead to successful financial management. The primary objec ve herein is to streamline processes, enhance efficiency, minimize errors, automate workflow, and

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Data Visualiza on With the huge amount of data generated every day, it has become impera ve for financial ins tu ons to understand what the data actually means. Technologies that sort our data from data lakes bring forth ac onable insights and eliminate guesswork all the while empowering stakeholders to make cri cal business decisions and set trends in the industry.

Ar ficial Intelligence/ Machine Learning The collected, sorted, and visualized data will be fed to AI and machine learning algorithms to save me by iden fying gaps, make forecasts, warn of

shortcomings, and streamline overall processes. AI will do the work that humans cannot do or make up for the me that humans will spend on the task.

Robo c Process Automa on Robo c Process Automa on or RPA will help the industry in automa ng repe ve and tedious tasks. It will also free up the me of the staff, which can be u lized in more crucial tasks.

Altogether, all these technologies will provide financial ins tu ons with digital dashboards, RPA that can make the process quicker, error-less and less me consuming, forecas ng and predic ng the future with AI including compliance and transparency.

The finance industry is going through a period of rapid transforma on. In just a short span of me, we have seen significant changes to the way business is done. Tradi onal models are being replaced by new ones, and companies need to change in order to adapt to the new environment.

As such, FinTech innova ons have caught the imagina on of consumers and business leaders alike.

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EVERYTHING ABOUT

CONTACTLESS CARDS

WHY YOU SHOULD OPT FOR ONE NEXT TIME

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he next time you buy or renew your debit or credit card, ask for a contactless card instead of a normal one. These cards aren't that expensive and allow you to conveniently pay your bill without touching any devices.

Considering today's scenario, this feature fits right into the context of social distancing.

What if someone clones it?

Still, a lot of you might have a question looming in your mind - what about security? What if someone stole my card? Well, these questions are justified.

And as a wise consumer, it's natural to have these questions. So let's decode every security aspect as we course through every vulnerability of contactless cards.

Can someone use an RFID reader to activate my card?

What secures the card?

Here's the juice. These EMV cards aren't secured by some Ironman-like tech, but they surely are powered by a smart microprocessor chip solution that helps protect the cardholder's credentials. Its role is simple. Perform certain cryptographic computations to encrypt dialogues with the processing network and Point-of-Sale terminals.

The card comes with a Dynamic Data Authentication (DDA) feature, which is the latest security innovation in the field of card payments.

So, how does it work?

Each contactless card has a unique private and public key pair that plays an integral role during authentication. Upon nearing a terminal, the card generates a valid cryptographic code through one of the keys to communicate with terminals.

As every code transmitted through the chip is unique, it is virtually impossible to clone or, in that case, tamper with contactless cards. As a matter of fact, these cards are far less vulnerable to counterfeit than magnetic stripe cards.

No, unless they are anywhere near 4 centimeters of the card, RFID readers won't be able to read the card. Contactless cards rely on near field communication (NFC) technology to communicate with terminals. Generally, it uses a 13.56Mhz radio frequency to communicate with the host. As a result, it is only able to transmit digital data within a concise range.

Note, the communication should be direct.

Meaning- if there is anything between the card and the terminal then the transaction will not be successful.

Then what's stopping people from buying contactless cards?

There are various myths roaming around contactless technology. We have tried to cover a lot of them in this article and we are sure that you'll be able to decode the rest after learning about the security aspects mentioned above.

Our aim here was to clear some of the clouds so that people are more open to these new technologies.

This code authenticates the genuineness of the card and is unique in every transaction. The terminal then uses the other key to validate the code transmitting from cards.

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