7Security is a QSA company that takes PCI standards compliance consultancy for Fintech Startups to the next level with tailored solutions and unmatched expertise. Even though we are auditors ourselves, the traditional auditor approach has never appealed to us. Instead, we are FinTech mentors, consultants, advisors and supporters, and we strongly believe compliance with payment security standards doesn’t have to be expensive and complicated. We are an experienced team that has been dealing with information security for years and has assisted numerous companies on their compliance journey. We provide professional consulting services in compliance auditing, such as PCI DSS, PCI 3DS Core, PCI PIN Security, PCI SSF, ISO/IEC 27001, PSD2, SOC 1 & 2. Furthermore, we offer the full range of testing services to supplement these compliance endeavours, as well as information security governance services that help our customers build and maintain resilient IT infrastructures and enable them to offer secure services manned by qualified staff. We are certified practitioners, holding industry-recognised professional qualifications: PCI QSA, 3DS, QPA, SSF, CISA, CISSP, ISO/IEC 27001 Lead Implementers, OSCP, CEH, SWIFT CSP.

AutoRek is a leading provider of end-to-end automated reconciliation software. We’ve been revolutionising finance operations and controls for the global financial services industry since 1994. 

AutoRek simplifies reconciliations, financial data management and reporting. Using our solutions, firms cut their operating costs, achieve regulatory compliance, and gain full control of their data. 

We work with some of the largest organisations in the global payments sector, including GoCardless and Worldpay.
 
With AutoRek, your firm can: 
Save time, reduce costs and increase overall efficiency 
Get real-time reporting & management information (MI) 
Eliminate manual processes to focus on value-add tasks  
Segregate customer funds for safeguarding & regulatory compliance 
Cut financial and operational risk to ensure profitability 

Bankera - an international payment services company that is built with a focus on digital businesses. Our alternative solution offers dedicated payment accounts for SEPA and SWIFT transfers as well as VISA cards. Bankera cards are supported by Google Pay and Apple Pay and a principal members of Visa and Mastercard we are enabling business to issue payments cards to their clients with the card issuing solution. Our white label solution for financial companies is designed for companies that want to offer financial services using our IT and legal infrastructure. 
 BankingLab - banking software developer for banks, payment and electronic money institutions and other FinTechs. We are mainly focusing on cloud-based solutions such as core banking software, front-end ? ready-made and fully customizable internet banking and mobile applications, compliance ? in-house, card processing and payments - connectivity to SEPA directly and via CentroLINK or directly via TARGET-2 and also SWIFT (ISO20022) are supported.

Bilderlings is a modern and innovative financial services provider, dedicated to meeting the ever-changing needs of our customers. Our scalable solutions cater to businesses of all sizes, offering a comprehensive range of services. From personalized current accounts for individuals and companies to seamless payment cards, swift SEPA instant transfers, and convenient cross-border payments, we ensure efficiency and convenience. Our cutting-edge Open Banking API solution empowers online businesses, while integration with Google and Apple Pay adds extra convenience. With robust safeguarding procedures in place, our clients can trust the security of their funds. At Bilderlings, we strive to exceed expectations, constantly evolving to offer fresh and innovative financial services.
BilderlingsPay Ltd, incorporated in the United Kingdom, operates under the authorization and regulation of the Financial Conduct Authority.


Boerse Stuttgart Digital is your trusted partner for integrated and tailored B2B solutions in crypto & digital assets.

CBI S.c.p.a. Benefit Corporation is a public limited consortium company, comprising 400 banks and other intermediaries as shareholders, that develops infrastructures, innovative services and ecosystems for the financial and banking industry, supporting digital payments, open banking and open finance; services that CBI customers, banks and fintechs, ultimately extend to a wide set of clients, responding  efficiently and effectively to the  needs of business, Public Administrations and citizens in an increasingly competitive market. 
CBI operates under the supervision of Bank of Italy, therefore obligated to comply with the measure "Provisions on the supervision of payment systems and technological or network instrumental infrastructure" as a "critical infrastructure or service provider".

CBI has been acting over the past 20 years with a Business-to-Business-to-Customer (B2B2C) perspective by developing infrastructures, innovative services and ecosystems. Over these years, CBI developed several open banking and open finance services, and achieved a variety of goals at national and international level. From an Open Finance and Data Monetization perspective, CBI has developed a few value-added services (VAS) that render its clients all the more competitive. In this regard, CBI has developed a variety of services, such as: Name Check, Check IBAN, CBI GO, CBI Safe Trade.   
To date, over 80% of the Italian banking industry has chosen the CBI Globe platform, which streamlines the telematic dialogue among Payment Service Providers, Fintech, enterprises, and the Public Administration to achieve compliance with the renewed EU regulatory framework and play an active role in the Open Banking and Open Finance scenario.
More recently, in 2023, CBI has become a Benefit Corporation, putting some common benefit purposes alongside the corporate purpose to promote socially motivated activities, increasing positive social impacts on people and the environment.

At Centiglobe, we empower banks, payment service providers, and companies to unlock and accelerate business value. Our solutions provide predictable, transparent, secure, and instant global payments powered by DLT and tokenized deposits. Through our permissioned payments transaction network, you get access to markets across the world, local payment-related financial services, and currencies - with just one API integration.

Dotfile is an end-to-end business verification platform built for compliance teams. It enables automating KYB and AML procedures, reducing fraud, and streamlining operations. With data on 400M+ businesses and 3000 document types supported, expanding into a new market while complying with local regulations is a breeze. We help businesses automate finding key information, identifying important stakeholders to verify, sending questionnaires, running AML checks, and performing risk assessments - all from a single platform. By automating data collection and verification processes businesses can provide a seamless and instant account opening boosting customer satisfaction. To reduce the risk of fraud, we provide a fully flexible risk assessment solution that automatically triggers enhanced due diligence steps for high-risk profiles. Businesses can also leverage monitoring capabilities to set up automated periodic AML checks, including sanctions, watchlists, or PEP screening. Businesses can see improvements in internal operations thanks to many in-platform features enabling collaboration across teams.

Dukascopy Bank is a FINMA-regulated Swiss innovative digital bank offering a full range of services to retail, corporate and institutional clients. The core services of Dukascopy for non-banking financial intermediaries (EMIs, PIs, brokers) includes safeguarding multi-currency accounts supporting 24 currencies, ultra-competitive FX, payments, correspondent banking, brokerage, interest payouts. Dukascopy Bank works with clients from Europe, Asia, Latam and Africa. Dukascopy group also includes two brokerage firms - Dukascopy Europe and Dukascopy Japan.

Eupago is a Portuguese company specialized in supporting online payments, with solutions ranging from corporate e-commerce to private sales. 

Operating in the fintech world since 2014, it recently entered the offline payments market by introducing the Smart POS service, thus completing the objective of having an omnichannel solution for all customers. Eupago also provides Open Banking and “Buy Now, Pay Later” services.


Evrotrust is the ultimate platform for remote customer identification, strong authentication, and e-signing. Our technology is designed to satisfy current and anticipated regulatory requirements for the Financial Services industry in the EU and internationally.
Evrotrust enables organizations to perform remote onboarding (KYC) and legally binding document signing (QES) with their customers and partners, with omnichannel capabilities and a “high” level of assurance.
The key focus of the solution is to offer much higher legal and security protection for enterprises during digital interactions with their clients while providing the end user with an easy-to-use tool that makes their experience as seamless as possible. The solution is fully compliant with AML, KYC, eIDAS Regulation, and GDPR.
For more information, please visit: www.evrotrust.com

Established in 1998, FEITIAN Technologies is a leading global provider of cyber security  & smart payment products and solutions.

Our customers are located in more than 100 countries and regions. 5 oversea branches in Asia, Europe, North America, and a professional international team enable us to serve our customers all over the world.

FEITIAN has over 700 employees, more than half are R&D engineers. The continuous high investment in R&D and the deep understanding of customer needs over the past 20 years have enabled FEITIAN to continuously develop diversified types of innovative products with international patent rights and certifications.

As a public company, FEITIAN has always been committed to provide customers with reliable and cost-effective products. We sincerely looking forward to being your long-term and reliable partner.

Fipto is a stablecoin payment infrastructure for businesses, leveraging blockchain technology to provide fast, secure, and cost-efficient payment solutions. Committed to regulatory compliance, Fipto facilitates global money movement with 24/7, instant, global, stablecoin payment rails. Fipto holds multiple licenses and regulatory approvals, including a DASP registration with the AMF in France and a VASP registration with the CSSF in Luxembourg. Learn more about Fipto's payment solutions at www.fipto.com

Flagright is an AI-native, centralized, no-code compliance platform that transforms AML compliance and fraud prevention for fintechs and banks. Our platform harnesses the power of generative AI to enhance compliance operations with real-time transaction monitoring, sophisticated case management, and proactive AI-driven investigations.

Our comprehensive suite also includes dynamic customer risk assessment that adjusts to evolving risks and regulatory demands, alongside our robust sanctions, PEP, and AM Screening, merchant monitoring, AI Forensics, amongst many other features.

Our commitment to excellence is reflected in real-time processing of suspicious activities and our swift service integration—typically just a week, a significant improvement over the industry standard of 2-4 months. This agility, combined with a holistic approach, places our customers at the forefront of AML compliance and fraud prevention.

With customers across 6 continents, Flagright helps financial institutions, including fintechs and banks, to navigate complex regulatory landscapes confidently, safeguard against financial crime threats, and uphold the highest standards of trust and security.

We are a digitally native company that helps organizations reinvent themselves and unleash their potential. We are the place where innovation, design, and engineering meet scale. 
 - We have more than 29,000 employees and are present in 33 countries across 5 continents, working for companies like Google, Electronic Arts, and Santander, among others.
 - We were named a Worldwide Leader in AI Services (2023) and Worldwide Leader in CX Improvement Services (2020) by IDC MarketScape report.
 - We are the fastest-growing IT brand and the 5th strongest IT brand globally (2024), according to Brand Finance.
 - We were also featured as a business case study at Harvard, MIT, and Stanford.
 - We are active members of The Green Software Foundation (GSF) and the Cybersecurity Tech Accord.

 Contact us at globant-uk@globant.com

IDT Financial Services Ltd (IDT Finance) is a fully licensed Bank providing issuing, payment and banking solutions. As a principal member of MasterCard and Visa Europe, we have delivered a wide variety of prepaid, debit and credit card programmes including teen, mobility, corporate, gift, payroll, FX, travel and many more. We offer virtual and physical card programmes, Apple Pay and Google Pay functionalities and Banking Lite Services and are the ideal partner for providing innovative card solutions with an extensive network of preferred partners to deliver end-to-end service.

iPiD is a dynamic, venture-backed fintech start-up transforming the international payments landscape since 2021. Born from the vision of seasoned leaders in payments and technology, iPiD identifies and fills crucial gaps in global financial transactions. Our mission is to simplify, secure, and streamline payment processes worldwide, significantly enhancing the customer experience and reducing fraud through innovative payee validation services.

We proudly offer solutions that comply with Verification of Payee (VoP) and Confirmation of Payee (CoP) regulations, setting industry standards for security and trust in financial transactions. By implementing our payee validation technology, iPiD not only mitigates risks associated with fraud but also ensures smooth and accurate transactions, leading to considerable savings for businesses and enhancing overall user satisfaction.

Our global team, with representatives in Singapore, the UAE, France, India, Belgium, Malaysia, the Netherlands, South Africa, Spain, and Vietnam, combines diverse perspectives to drive continuous innovation in the fintech sector.

Kani’s award-winning SaaS platform brings automation, intelligence, accuracy and compliance to payments data. We specialise in empowering BIN sponsors, challenger banks, acquirers and other fintechs to complete weeks’ worth of reconciliation and reporting in under 30 seconds – all by using our cloud-based, data-agnostic solution to simplify vast, complex datasets.

Our why

Accurate and verifiable payment reconciliation and reporting are essential and often a regulatory requirement for fintech companies. We know first-hand how complex and time-consuming these tasks are if tackled manually, leading to disruptive and ambitious fintechs getting lost in the complexities of payments data or receiving fines for inaccurate reporting.

We’re already making an impact by solving these challenges in the payments and fintech space. To date, the platform has reconciled and reported on billions of payments data, enabling our clients to operate and scale at pace without unnecessary data complexity.

In 2023, Kani was just one of 10 global companies selected to join the FIS Accelerator program, which aims to drive and support innovation across the financial industry. 

Founded in 2007, Kount is the leader in trust and safety technology. Powered by advanced AI and machine learning, Kount helps businesses grow with complete confidence. The platform includes solutions for fraud detection and prevention, identity verification, chargeback management, regulatory compliance, and more.  Visit www.kount.com to learn more. 

Legalaes is a legal consulting company specializing in fintech, forex, and crypto (tokenization & blockchain) industries. We provide legal services for Payment and EMI licensing, NEO Banking, crypto licensing (CASP), and regulatory compliance, providing turnkey solutions tailored to your business needs. With over 250 successful projects completed, we have demonstrated our deep expertise in navigating complex frameworks like MiCA and ensuring smooth cross-border operations. Our team also supports clients in obtaining overseas licenses as MSB license, SRO membership and other to achieve compliance and credibility. For complex business needs, feel free to schedule a call with our experts for tailored guidance.

Magnetiq Bank provides banking infrastructure for fintech, e-com and business.
Use a fully regulated banking infrastructure, grow your products, and get a better collaboration experience.

Find Magnetic Bank on booth 8A106


Markaaz is the global business identity platform enabling banks, fintechs and others to verify and onboard more businesses, accelerating access to vital services


McKinsey is a global management consulting firm committed to helping organizations accelerate sustainable and inclusive growth. We work with clients across the private, public, and social sectors to solve complex problems and create positive change for all their stakeholders. We combine bold strategies and transformative technologies to help organizations innovate more sustainably, achieve lasting gains in performance, and build workforces that will thrive for this generation and the next.

NeoSOFT Technologies is a CMMI Level 5 global IT consulting & software services provider. It has 9 delivery centers, 1500+ clients and 4000+ engineers. Celebrating 25 years of inception, NeoSOFT is helping organizations and startups to drive digital breakthroughs helping them with Product Engineering, Digital Transformation, Cloud & Data initiatives.

Oscilar is a no-code, AI powered decision engine. Oscilar's fraud detection platform speeds up fraud operations from weeks to minutes by automating the entire fraud detection and mitigation journey from data exploration, visualization to feature engineering, decisioning and case management. With Oscilar, you can go from new signal to new decision within minutes.

Paydock (www.paydock.com) is a leading enterprise-grade commerce orchestration platform focused on reducing the substantial cost and effort within a merchant’s payments experience.

Paydock is dedicated to revolutionising the payment industry by simplifying payment management and resolving systemic inefficiencies and risks associated with the industry’s growth, such as ever-increasing complexity, lost profit and material risk. Paydock processes millions of monthly payments through its platform for businesses across all industry sectors, including financial institutions, household brand retailers, travel, insure-tech and not-for-profit.


Paytiko is a global leading payments orchestrator, that is designed to scale any business, whether they are small, medium or enterprise to new payments heights. With over 3000 merchants in it's ecosystem and over 450 payment institutions integrated, the platform acts a turnkey solution, that helps seamless payment flows in any market by any method for incoming & outgoing transactions. 

Prove modernizes how digital trust is established and maintained throughout the digital consumer journey, providing unparalleled accuracy in identity verification and authentication while delivering a frictionless consumer experience.

Our Prove Identity Network platform helps 1000+ global companies accelerate revenue, mitigate fraud, and deliver a frictionless consumer experience. Our solutions and APIs have won numerous awards, and we hold over 200 identity authentication, identity verification, and fraud prevention patents.

RemittancesHub is a licensed financial institution operating a global cross-border payment infrastructure for business payments. We enable customers to collect, hold, convert, and move money digitally, securely, and cost-effectively across borders in real-time. We serve PSPs, remittance operators, banks, fintechs, and businesses.

RemittancesHub enables customers to collect and hold funds in 38 currencies and payout in 85 countries, with over 90% of our payments being processed and delivered in near real-time.

Customers can either connect with us through our API or transact using our white-labeled web portal immediately after onboarding.

Who we are
 
Transforming Payments and FinTech with AI: A Gateway to Innovation
 
Scalefocus provides tailored software solutions and services that empower businesses to grow and meet the challenges of tomorrow. Bringing together a world-class engineering team and drawing on our industry experience, we have an in-depth understanding of the technology in the Finance & Banking industry. Our experts have solid know-how in system modernization, enterprise integrations, advanced data analytics and AI.
 
From consultancy, through data engineering, to custom built solutions and AIOps/MLOps, at Scalefocus, we help FinTech and payment companies adopt a holistic strategy to integrate AI early in their process design to avoid a patchwork approach. We are seasoned in the implementation of cutting-edge front-end and back-end solutions that serve as additions to existing systems or as your system’s backbone. Our team is also proficient in secure cloud operations, utilizing a cloud-agnostic approach.
 
We believe that technology-empowered finance is the only way forward and we put strong emphasis on seamless customer experience to reduce abandonment and increase customer loyalty. At Scalefocus, we are especially proud of our Custom Application Development capabilities. Our intelligently designed solutions result from our constant drive for technology excellence and the experience we have gained from 500+ successfully completed projects in 26 countries for 300+ clients, which include Fortune 500 companies, innovative start-ups, and established leaders across a variety of industry verticals.

In the payment industry, the current technology that processes billions of card payments is ancient. But instead of going extinct, it is being kept alive with patches, fixes, and workarounds. Fragmented functionality, slow roll-outs, and missed opportunities for innovation are costing everyone time and money. For now, it continues to function, but is this a winning strategy for you?

Silverflow is a new kind of payment processing platform designed for today’s payment needs and fit for the future. A cloud-native solution with a single API to the card networks. One platform with one connection. Reducing cost and complexity, easy to use, data-rich, Silverflow frees you to innovate.

Our technology platform is the crucial foundation that allows you to develop the best possible payment service for your customers. Easily supports your functional needs and is engineered to be simple, smart, and continuously evolving to stay ahead of the curve. Through the cloud, we are scalable across the globe with one single API connection. You can tap into all functionality and the same level of service regardless of where you are in the world!

With Silverflow you are ready for the future of payments: agile, transparent, and secure. With Silverflow you’re equipped for success. Why would you settle for less?


Skaleet SaaS Core Banking Platform empowers financial institutions with the potential to change continuously. Our platform provides the technological capabilities to launch new innovative financial services to delight and exceed your client's expectations.


Bitandpay is a multi-financial institution, holding Swiss EMI license, providing Gateway and Aggregation services, IBAN issuing, offering clients a variety of Payment solutions including crypto exchange with straight forward approach and simplified user experience making it the easiest, most efficient way to receive funds.

Telesign provides Continuous Trust™ to leading global enterprises by connecting, protecting, and defending their digital identities. Telesign verifies over five billion unique phone numbers a month, representing half of the world’s mobile users, and provides critical insight into the remaining billions. The company’s powerful machine learning and extensive data science deliver identity with a unique combination of speed, accuracy, and global reach. Telesign solutions provide fraud protection, secure communications, and enable the digital economy by allowing companies and customers to engage with confidence.

• One of Europe’s largest card manufacturers with over 25 years’ experience.
• Certified by Mastercard, Visa, Discover, and UnionPay International and producing 250+ million cards annually for over 60 countries.
• Dedicated to providing a world -class end-to-end service: consultancy, design, personalisation, packaging, and fulfilment.
• Committed to technological advancement – The first card manufacturer in Europe to produce dual-interface metal payment cards.
• Proud to offer our customers a range of card options to meet their requirements: rPVC, Mastercard-approved Invercote paperboard, biometric cards, wearables and EVC® Dynamic Security Code. 


ThetaRay is a pioneer in the field of AI-powered Anti-Money Laundering (AML) transaction monitoring and screening, delivering solutions to fintechs, banks, and regulatory bodies across the globe. ThetaRay’s technology enhances trust in both cross-border and domestic financial transactions, enabling compliant business growth. In turn, customers can confidently expand their business and deliver innovative products to cohorts and jurisdictions previously considered high-risk. 

ThetaRay’s patented algorithms rapidly and accurately pinpoint potential anomalies and suspicious activities. Its AI/ML-driven AML solution adopts a risk-based approach. This distinguishes ThetaRay from legacy solutions in the financial services sector, delivering an over 50% reduction in investigation time and boasting a 99% accuracy rate in minimizing false positives. Customers experience enhanced efficiency, effectiveness, and comprehensive risk coverage, which is especially crucial in the current fast-evolving regulatory and digital banking landscape.


Triple-A, the Digital Currency Financial Institution, enables businesses to pay and get paid in both traditional and digital currencies, volatility-free.


From API to no-code integration, Triple-A’s frictionless, white-label payment solutions are designed to blend smoothly into existing business operations — all while upholding the highest standards of security and compliance.


Triple-A is licensed as a Major Payment Institution by the Monetary Authority of Singapore as well as in the EU by the ACPR and is registered as a Digital Asset Service Provider by the AMF under the aegis of Banque de France. The company is also registered with the US Financial Crimes Enforcement Network (FINCEN) as a Money Service Business (MSB).

VeriPark is a global solutions provider enabling financial institutions to become digital leaders.  With its Intelligent Customer Experience suite, VeriPark helps banks and insurers to enhance customer acquisition, retention and cross-sell capabilities with proven, secure and scalable Customer Relationship Management, Omni-Channel Delivery, Branch Automation and Loan Origination solutions.  These solutions help banks and insurers to drive more engaging interactions with their customers by capturing their needs, gaining personalized insights, and placing customers at the core of their digital transformation.

Access the Global Prepayment Ecosystem

Our platform enables a super fast API integration, allowing companies to offer Mobile Top-ups, Data Bundles, Digital Gift Cards, eSims, and easy payment of essential utilities. 

Bamboo accelerates business Growth in Latam via seamless connections to Instant Payment Methods and Crossborder settlements. 
 Offering both payin and payout capabilities, this unmatched speed and coverage empowers merchants to make agile business decisions and seize opportunities quickly. 
 Standing out for its local spirit and expertise with broad reach and adaptability, Bamboo is reshaping the regional cross-border commerce, creating a future where every transaction flows instantly 
 Our mission is to offer a SEAMLESS, SECURE and EFFICIENT payment platform that CONNECTS GLOBAL BUSINESSES with LATIN AMERICAN CONSUMERS 
 Our vision is to become the BEST ALTERNATIVE and REAL TIME PAYMENTS ENABLER in LATIN AMERICA

Looking forward to meeting you!
To book a meeting, please contact us at sales@bitpace.com 

Our crypto payment gateway empowers your business to accept crypto payments all over the world. With Bitpace, you can receive crypto payments and automatically convert them to your preferred fiat currency - EURO/GBP/USD. Our platform handles both your fiat and crypto settlements while also providing a liquidity network and white-labeling services.


- Seamless API Integration
- WooCommerce, OpenCart, Magento Plugins
- Deposits and Withdrawals
- Buy and Sell Crypto with Fiat
- Digital wallets
- Order & Payment Tracking Dashboard
- Dedicated Account Team

Come and learn about all the Bitpace features you will love!

BVNK provides modern payments infrastructure for businesses. We unify banks and blockchains in a single platform, so innovators can launch new payments products quickly.

Confluent is pioneering a fundamentally new category of data infrastructure focused on data in motion. Our cloud-native offering is the foundational platform for data in motion, designed to be the intelligent connective tissue enabling real-time data, from multiple sources, to constantly stream across the organisation. With Confluent, our customers can meet the new business imperative of delivering rich, digital customer experiences and real-time business operations. We aim to help every organisation harness data in motion to compete and thrive in the modern world.

Daon, the Digital Identity Trust company, enables market-leading organizations worldwide to easily and accurately proof, verify, authenticate, and secure customer identities at every trust point across the entire customer lifecycle. With industry-leading identity proofing and biometric authentication technologies at its core, Daon's technology ensures that customer identities are accurately verified, safely secured, and easily recovered. By mitigating fraud, reducing friction, and ensuring regulatory compliance, Daon helps businesses deliver a seamless customer experience, increase customer satisfaction, and reduce costs. Daon delivers these solutions through its Al and ML-powered IdentityX° platform, chosen by leading financial services, telcos, travel & hospitality companies, and other industries to secure and process hundreds of millions of digital identity transactions daily. Specialist in customer Identity Verification (IDV) and Authentication (PSD-x) leveraging face and voice biometrics, ID processing,  AI for deep fake detection, FIDO, MFA, etc across banking, fintech, payment, telecommunication, gaming, aviation, online markets, and other sectors.  Focus areas include identity wallets, clone detection, AI to fight AI, cybersecurity, orchestration, and enhancing identity journey Net Promoter Scores.  Learn more at www.daon.com .

Ellipse World, Inc. (“Ellipse”) is a Los Angeles-based FinTech company that defines the latest advancements in smart card technology. Ellipse’s mission is to make digital payment safer in a digital world and to create simple solutions that address the global payment ecosystem’s needs. Ellipse developed the EVC® All-In-One™ EMV smart card micromodule, which generates a dynamic card security code (or Dynamic CVV/CVC) during every contact or contactless card-present EMV transaction. Comprised of leading payment technology experts who are committed to creating new value for the payment industry, Ellipse is present across the United States, as well as in Europe and Asia.

We design, build and run the technology that powers the future of payments. Form3 are reimagining the way payments work from channel to payment scheme. Our fully managed cloud native account to account platform enables banks and fast growing Fintechs to accelerate their digital transformation and scale quickly across markets.  www.form3.tech

International Payments and FX. We get it. 
Freemarket works with businesses globally to accelerate their growth by giving them access to cross-border payments and currency exchange optimised for their treasury and operational needs to streamline processes, remove complexity and increase efficiency. Unlock more currencies and markets for your business through a single, API-enabled connection point. Combining service aggregation and integrated technology, we make it faster and easier for businesses to move money around the world.

​Griffin puts the bank in Banking as a Service. We combine the secure, regulated infrastructure of a bank with the speed and power of modern software into one powerful full-stack BaaS platform. Our goal is to empower companies to embed banking into their products quickly and safely. With purpose-built APIs and an all-access developer sandbox, we’re helping our customers build and launch payment platforms, financial wellness apps, client account products, business loans, and more.

HPS is a multinational company and a leading provider of payment solutions and services for issuers, acquirers, card processors, independent sales organisations (ISOs), retailers, mobile network operators (MNOs), and national & regional switches around the world. 
 PowerCARD is HPS 'comprehensive suite of solutions that covers the entire payment value chain by enabling innovative payments through its open platform that allows the processing of any transaction coming from any channel initiated by any means-of-payment. PowerCARD is used by more than 450 institutions in over 90 countries. HPS has been listed on the Casablanca Stock Exchange since 2006 and has offices located in major business centres (Africa, Europe, Asia, Middle East). For more information www.hps-worldwide.com

IXOPAY, a TokenEx Company, is a complete payment optimization platform that gives merchants unprecedented control over revenue and the competitive edge to thrive in global commerce. Its product suite is built to address the challenges of supporting multiple payment processors with Omnichannel Tokenization, Payments Orchestration, and Card Lifecycle Management.

Jeton, a global digital wallet provider founded in 2018, offers secure e-wallet services for users and merchants worldwide. Jeton enables seamless financial transactions with over 50 international and local payment methods, 70 currencies, and availability in 100+ countries. Jeton Wallet provides a wide range of financial solutions, including the Jeton Card for online and offline purchases and Jeton Cash, which protects users’ financial data during online purchases.

Jifiti is a leading fintech company that powers white-labeled embedded lending solutions for banks, lenders and merchants worldwide. The company’s white-labeled platform provides banks and lenders with state-of-the-art technology to easily deploy and scale any consumer and business financing program at any merchant's point of sale - online, in-store and via call center. The platform supports every loan and BNPL option, including installment loans, lines of credit, split payments and business financing. With its multinational presence, Jifiti provides end-to-end point-of-sale financing solutions to global brands in any international market. Jifiti is utilized by leading financial institutions including Mastercard, Citizens Bank, CaixaBank, Credit Agricole, financial service providers including FIS and Finastra, and top retail brands including IKEA, Peloton, Wyndham, Wayfair, Sonae, Coppel and others worldwide. 

Link4Tech, part of a group founded in 2009, is a dynamic Payment Processing company specialising in cutting-edge digital solutions for the financial sector.

As principal members of Visa and MasterCard our extensive expertise in creating secure, scalable systems to support banks, payment service providers, and financial institutions globally with payment processing services.

What truly sets Link4Tech apart is our unparalleled flexibility, scalability, and security that meets the evolving needs of our clients.

We are committed to delivering bespoke solutions tailored to each client's specific needs. Our core services include API development, IT consulting, and comprehensive technical support. We pride ourselves on enabling businesses to streamline operations, mitigate risks, and embrace modern fintech innovations.

Our solutions not only meet the complex demands of financial transactions but also future-proof our clients’ IT infrastructure. From 3DS Hosting to comprehensive mobile applications, we offer seamless, user-friendly experiences that enhance efficiency and security.

With a global reach and a commitment to excellence, Link4Tech empowers our clients, clients to stay ahead in an increasingly competitive payment landscape. Our skilled professionals are passionate about pushing technological boundaries, helping businesses adopt forward-thinking strategies to drive growth and innovation.

Whether you are looking to integrate new systems or optimise existing ones, Link4Tech is your trusted partner in transforming digital payment challenges into opportunities.

Moniepoint is Africa's all-in-one financial ecosystem, empowering businesses and their customers with seamless payment, banking, credit, and management tools. In 2023, we processed $182 billion in over 5 billion transactions. We are Africa’s fastest growing fintech and Nigeria’s largest merchant acquirer.

Numeral is a payment technology provider. Our mission is to provide pan-European infrastructure for banks and fintechs to connect to partner banks, access schemes, and automate payment operations.

Numeral already enables banks and fintechs like Argentex, Swile, and Alma to:

- Launch new products and expand geographically faster
- Reduce total cost of ownership thanks to a fully managed platform
- Make their payments more resilient thanks to a scalable infrastructure

Numeral supports all major European schemes, including SEPA, Bacs, CHAPS, FPS, RIX and Swift payments. We integrate with major European banks, including Barclays, HSBC, Banking Circle, LHV, CENTROlink, ABN AMRO, BNP Paribas, BPCE, Intesa Sanpaolo and many more.

We will be happy to discuss your current payment infrastructure and walk you through how Numeral could help you expand it.

If you are building or upgrading your payment infrastructure, Numeral integrate with your current stack to unlock multi-bank, multi-scheme connectivity.
If you are part of finance and operations teams, learn how Numeral enables you to manage accounts, payments, and reconciliations from a modern dashboard.

Onafriq is an omnichannel network of networks, making borders matter less by providing our partners with a single pathway to unlock the full power of cross-border and cross-platform payment solutions. With a network spanning 40 African markets, Onafriq connects over 500 million mobile money wallets, 200 million bank accounts, and over 400,000 agents in Nigeria, enabling domestic and cross-border disbursements and collections, card issuing and processing, agency banking, and treasury services.

 

At Onafriq, we bring together global and regional enterprises, mobile network operators, money transfer operators, banks, fintechs, global development organizations, and online and offline merchants. With top-notch regulatory and compliance capabilities and a robust regional presence encompassing 10 offices in Africa, as well as locations in the UK, US, and China, we are paving the way for a new era of access for people across the African continent and beyond. Learn more at onafriq.com.

PagSeguro is PagBank's (NYSE: PAGS) international division and provides innovative payment solutions, automating payments, sales, and wire transfers to boost businesses anywhere, in a simple and secure way. PagBank acts as issuer, acquirer, and provider of digital accounts, besides offering complete solutions for online and in-person payments in Brazil and, through PagSeguro, in Brazil and 16 other Latin American countries, besides Portugal, Spain, Turkey, Greece, and Romania, allowing merchants worldwide to process and collect more than 140 local payment methods and local currencies. It also provides instant single or mass cross-border payouts to Brazil.

As a provider of payment solutions for foreign merchants, PagSeguro is well established as the market leader in the online gaming segment, processing local payments for more than 6,000 games, including giants Valve, Garena, EA, Xsolla, Ubisoft, and Wargaming.

As a global payment facilitator founded in 2016, Pagsmile has established a global presence in Latin America, Asia, the United States, Europe and Middle East. We work to assist global companies to access local markets efficiently with over 400 payin and payout solutions across 70+ countries. Pagsmile processes 20 million daily transactions and serves 60 million end customers.
Our clients involve various industries, including game, entertainment, finance, cross-border e-commerce, OTA, online education, etc. Our aim is to boost merchants' revenue and optimize the customers' payment experience, empowering cross-border businesses around the world.

PhotonPay, a pioneering global payment PaaS platform and digital financial infrastructure, is born to connect the global digital economy. All our financial technology solutions aim to eliminate payment barriers in the process of globalizing the digital economy, empowering businesses to expand their global presence limitlessly. We share financial technology, connecting the global digital economy, striving to enable all enterprises to participate in global trade development and share the infinite opportunities brought by economic globalization. Whether you are an ambitious entrepreneur in emerging markets or a global digital giant, PhotonPay is dedicated to assisting you in advancing steadily and continuously. We aim to be your reliable financial payment partner,  ensuring you to focus on the most important aspects of your business.

PPRO is a fintech company that provides digital payment solutions to businesses and banks so that they can scale their local payment services through one connection.


Salt Edge is a leading financial API platform with PSD2 and Open Banking solutions that cater to businesses worldwide. The company facilitates third-party access to bank channels through a unified gateway and develops the technology necessary for banks to comply with regulatory requirements. As an ISO 27001-certified and AISP-licensed company under PSD2, Salt Edge prioritizes international security measures to ensure stable and reliable connections between financial institutions and their customers. The company is integrated with over 5,000 financial institutions in more than 50 countries and has earned recognition as a Strong Performer in The Forrester Wave™: Open Banking Intermediaries, 2023 Report.

Sift is the AI-powered fraud platform securing digital trust for leading global businesses. Our deep investments in machine learning and user identity, a data network scoring 1 trillion events per year, and a commitment to long-term customer success empower more than 700 customers to grow fearlessly. Brands including DoorDash, Yelp, and Poshmark rely on Sift to unlock growth and deliver seamless consumer experiences. Visit us at sift.com and follow us on LinkedIn.

Signicat is a pioneering, pan-European digital identity company with a unrivalled track record in the world?s most advanced digital identity markets. Its digital identity platform incorporates the most extensive suite of identity verification and authentication systems in the world, all accessible through a single integration point. The platform supports the full identity journey, from recognition and onboarding, through login and consent, to making business agreements which stand the test of time.

Sumsub is the one verification platform to secure the whole user journey. With Sumsub’s customizable KYC, KYB, transaction monitoring and fraud prevention solutions, you can orchestrate your verification process, welcome more customers worldwide, meet compliance requirements, reduce costs and protect your business.

Sumsub has over 2,000 clients in fintech, crypto, transportation, trading, e-commerce and gaming industries including Wirex, Jeton, Bybit, Mercuryo, and TransferGo.

Over the years, we have established strong relationships with hundreds of financial institutions around the world, who benefit from our deep liquidity, first-rate banking solutions and leading-edge technology. Swissquote ranks among the top 15 Forex brokers worldwide, with over 500?000 client accounts in 120 countries, and an annual client FX trading volume of over 1 trillion CHF. Swissquote Group Holding Ltd is listed on the SIX Swiss Exchange (SIX:SQN), ensuring that Swissquote is held to the highest standards of security, transparency and financial strength.

The Kingdom Bank is an award-winning international fintech bank based in the Commonwealth of Dominica.  The Kingdom Bank (https://www.thekingdombank.com/) proudly offers personalized, secure, next-generation digital banking services and alternative payment options to international customers from around the globe. The Kingdom Bank provides corporate and correspondent banking services, competitive FX rates and liquidity services, and payments in local currencies in over 80 countries.  The Kingdom Bank delivers lower-cost and faster cross-border trade by challenging traditional payment methods, enabling you to send and receive compatible crypto-currency payments to other businesses to make effortless B2B, B2C, SEPA, or SWIFT payments from wherever you are.

Token.io's vision is to make A2A payments a mainstream payment method. With its best-in-class open banking connectivity and robust payments infrastructure, Token.io is actively realising this vision.

Powered by open banking, Token.io’s A2A payment infrastructure enables payment providers to launch their own ‘Pay by Bank’ solution across Europe, maximising acceptance while delivering lower processing costs and better payment experiences for merchants. 

Standout features of Token.io’s solution include the deepest and highest performing direct connectivity to over 80% of bank accounts in each of its 20 supported markets, conversion-boosting payment flows, and flexible licensing and settlement options to help PSPs launch and grow faster with Pay by Bank. The ability to whitelabel Token.io’s entire platform also empowers banks and other payment providers to create and grow their own ready-to-market A2A payment product with support for omnichannel use cases. 

Token.io’s solution is proven by a blue chip base of partners, which collectively process payments for millions of merchants worldwide, including HSBC, Mastercard, BNP Paribas, ACI Worldwide, Global Payments, Computop, Flutterwave, Nuvei and Paysafe.

Token.io is authorised as an AISP and PISP by the FCA in the UK and by BaFin in Germany. Token.io is PSD2 and SCA compliant, and PCI-DSS Level 1 and ISO27001:2013 Certified.

UniTeller Financial Services, based in the United States, is one of the market leaders offering International Remittance and Cross-Border Payment Processing Services. 

UniTeller's product suite of services offers fast and frictionless cross-border payments for businesses of all sizes. With a single API integration, your business is empowered with cross-border payments to a global paying network in every corner of the world. UniTeller's extensive payment network spans more than 200,000 paying locations in over 120 countries worldwide across Mexico, Central America and the Caribbean, South America, Asia, Europe, and Africa.

At UniTeller, we embrace changes in technological advancements to remain relevant to our partners. We act as a processing partner with a customized business and revenue-sharing model that adapts to our partners' needs. UniTeller has partnered with over 100 Remittance Companies, Banks, Telco providers, Fintechs, International Payment Institutions, and Retailers across the globe. Through our Turnkey White Label and API solutions and integrations, our partners are able to provide digital cross-border payments across the globe.  

The foundation of UniTeller is built on our core values of Innovation, Integrity, Teamwork, and Excellence. They are the essence of UniTeller and trickle down to every aspect of our operations. These core values define our organization-wide corporate culture, represent standards of conduct that guide our actions, and reflect our commitment to not only our employees, agents, and partners, but also to the communities in which we operate. 

The impact that UniTeller has on the lives of people goes far beyond providing an affordable, dependable, and secure money remittance service. As the world evolves and technology advances, we continue to grow our platform enabling us to further connect our immigrant communities with their roots and the ones that are most important to them. 

For Business Partnership requests, contact corporatepartners@uniteller.com or visit www.uniteller.com to learn more.

Veriff is the preferred identity verification partner for the world's biggest and best digital companies, including pioneers in fintech, crypto, gaming and the mobility sectors. We provide advanced technology, deep insights and expertise from our foundation in digital-first Estonia and honed in leading the digital identity revolution. The partner of choice for businesses who need to rapidly and effortlessly verify online users from anywhere in the world, Veriff delivers the widest possible identity document coverage. By supporting government-issued IDs from more than 230 countries and territories and with our intelligent decision engine which analyzes thousands of technological and behavioral variables Veriff enables trust from the first hello. With 400 people in the United States, United Kingdom, Spain, and Estonia, as well as robust backing and funding from investors including Accel, Alkeon, IVP, Tiger Capital, and Y Combinator, we're dedicated to helping businesses and individuals build a safer and more secure world.

UAB Walletto is an established Lithuanian company that obtained an Electronic money institution license No. 33 by the Bank of Lithuania to provide payment financial services, card issuing and e-commerce to clients in Europe. Walletto is a direct participant of STEP2 SEPA Credit Transfer scheme with the Bank of Lithuania system CENTROlink and direct participant in SWIFT. Walletto is a Principal Member of Visa and Mastercard as Issuer and Acquirer.

WebID is a leading global financial technology company with headquarters in Hamburg and subsidiaries in Austria, Switzerland, and Spain. The provider of digital identification and signature solutions also has branches in India and the American West and East Coasts. With over 1100 employees, WebID is a leading company in the industry.

WebID, founded by Frank S. Jorga in 2012, has made a significant contribution to the further development of the digital age. The company is a pioneer in the online identification industry, having invented and established video identification worldwide. Today, WebID is a beacon company in the global industry. WebID's identification technologies are the first in Germany to comply with the world's strictest security regulations and are internationally recognized as a role model for the protection of digital identities. This achievement showcases our competence and expertise in the field of digital identification.
Today, more than 80 per cent of Germany's major banks, renowned international and national companies – such as Allianz – as well as public institutions rely on the high security standards and smooth processes of WebID's data protection compliant product portfolio.

The company's profitability is due in part to its eight online identification and signature solutions, as well as its consistent expansion into new markets. WebID's latest innovation, TrueID, plays a decisive role in this regard. The Online Ident Ecosystem enables companies to re-identify or authenticate their own users in a matter of seconds. WebID has successfully verified over 16 million customers and 400 million online identity records, resulting in more than 21 million successful transactions to date. With up to 300,000 new registrations per month, WebID is a proven leader in online identity verification.

Yapily is Europe’s leading open banking infrastructure platform solving a fundamental problem in financial services today: access. 

We securely connect our customers to thousands of banks across Europe, allowing them to access financial data and initiate payments. 

Yapily’s customers range from disruptive fintechs to industry leaders operating in a number of verticals. 

Unlocking European Fintech Success with allpay at Money 2020 Europe

With 30 years of growth and stability, allpay enters the EU market as a trusted brand, bringing unparalleled payments expertise to empower businesses across Europe.

With our EU-to-UK Prepaid+ programme we will help revolutionise banking. By merging award-winning banking propositions with cutting-edge prepaid solutions, we are able to offer European Fintechs unprecedented opportunities for growth.

Finally, as a leader in manufacturing and personalisation, allpay Cards, a staple at Money 2020, will continue to propel fintech ventures forward with a seasoned team of experts looking to provide the complete end-to-end solution.

Don't miss the chance to shape the future of finance. Visit www.allpay.net to learn more and schedule a meeting with our team at Money 2020 Europe.

Ascenda powers the growth of financial service brands and merchants globally with premium rewards propositions that accelerate customer acquisition, increase usage, and drive retention. Its best-in-class customer engagement platform is simple to deploy and powered by a unique global network of premium content that unlocks exceptional end-user value.

BPCE Digital & Payments is the division of Groupe BPCE, the 2nd largest banking group in France, bringing together the teams responsible for digital, data, innovation and payments. BPCE Digital & Payments  is the partner of choice for companies and merchants who wish to digitalize their banking and payment practices. Thanks to its brands and fintechs (Oney, BPCE Payment Services, Payplug and Xpollens), the division is one of the leading payment players in France, covering the complete payment value chain: cards issuing and processing, acquisition, online and omnichannel payment acceptance, card and transaction processing, Buy Now Pay Later, banking as a service. BPCE Payment Services  manages more than 20% of the payment processing activities in France. Thanks to its recognized expertise in the field of cards & payment processing,  BPCE Payment Services  supports the banks and subsidiaries of Groupe BPCE, as well as an external client base composed of financial institutions and payment service providers. Payplug  is the French payment solution designed for merchants, e-merchants of all sizes and fintechs. Payplug maximises the performance of your payments with ease. Xpollens  is the Embedded Payment platform designed to empower businesses across all industries. With its ultra-modern technology platform, comprehensive suite of payment solutions, and EMI license (Electronic Money Institution), Xpollens automates transactions, accelerates and secures both pay-ins and pay-outs, and facilitates the development of neo-banks.

Cardlay is a Danish fintech company founded with a clear purpose: We want to drive effortless corporate spend by making it easy for businesses to handle cards, payments, and expenses. With presence in Europe and US, Cardlay has disrupted the corporate card industry with our white label modular spend management platform that enables banks, tech companies, fleet and mobility providers to launch digital corporate payment solutions seamlessly on top of existing- and new infrastructures. Our end-to-end embedded solutions allow companies to streamline ways of working with full control.


Licensed by the Financial Conduct Authority (FCA) in the UK, Clear Junction stands at the forefront of financial innovation. We offer access to accounts for financial institutions, empowering them to efficiently manage transactions for their own customers. With full API integration and virtual IBANs available, our solutions are designed to enhance operational efficiency. Our FX and Treasury Services further ensure that your financial operations are agile and cost-effective.

Discover the power of seamless transactions with our comprehensive range of payment products:

GBP: Connect instantly via Faster Payments and CHAPS.
EUR: Enjoy the speed of SEPA and SEPA Instant.
USD: Go global with ACH, Fedwire, and SWIFT.

Since 2016, Clear Junction has cultivated an impressive client portfolio comprising Banks, EMIs, Payment Service Providers, Remittance companies, Open Banking innovators, Card Acquirers, and Digital Asset providers.

Our clients collectively handle over €1 billion in transaction volume each week, a testament to our robust and reliable financial solutions.

Clear Junction: We don't just open accounts; we open possibilities.

ClearBank is a purpose-built, technology-enabled clearing bank. Through its banking licence and intelligent, robust technology solutions, ClearBank enables its partners to offer real-time payment and innovative banking services to their customers. 

dLocal powers local payments in emerging markets, connecting global enterprise merchants with billions of emerging market consumers in 40 countries across Africa, Asia, and Latin America. Through the One dLocal platform (one direct API, one platform, and one contract), global companies can accept payments, send pay-outs and settle funds globally without the need to manage separate pay-in and pay-out processors, set up numerous local entities, and integrate multiple acquirers and payment methods in each market.

Facephi works with customers to create more secure, accessible and fraud-free digital experiences and processes. 
 Established in 2012, the company specialises in secure and user-friendly digital onboarding, identity verification and authentication solutions using cutting-edge biometric technology. Facephi is committed to unlocking the power of digital identity for all in accordance with the principles of flexibility, inclusion, and consent-based ethical use. To do so, the company develops proprietary multi-biometric solutions and is committed to innovation with artificial intelligence, machine learning and blockchain technology. 
 With more than 250 clients globally, Facephi boasts 300 million users across various industries, including banking and financial services, fintech, crypto, health, travel and transportation, shared mobility and more. 
 Headquartered in Spain, Facephi has subsidiaries in EMEA, APAC and LATAM. For more information, please visit www.facephi.com

FinanceMalta, is a public-private initiative with the objective to promote Malta as an international business and financial centre. Set up in 2007, FinanceMalta brings together and harnesses the resources of the industry and government to ensure Malta maintains a modern and effective legal, regulatory and fiscal framework in which the financial services and fintech sector can continue to grow and prosper. FinanceMalta came on the scene at a critical time, just as Malta entered the Eurozone. The financial services sector is now a major force in the country?s economy. Malta has some significant strengths to offer the industry such as a low-cost environment; more than 80 double taxation agreements; a well-trained, motivated workforce; and a single, robust but approachable regulator. To these, FinanceMalta can add a world-class information and communications technology infrastructure, English as an official language, an enviable climate and its strategic location

GBG is the leading expert in global digital identity. We combine our powerful technology, the most accurate data coverage and our talented team to deliver award-winning location intelligence, identity verification and fraud prevention solutions.

With over 30 years’ experience, we bring together a team of over 1,250 dedicated experts with local industry insight from around the world to make it easy for businesses to identify and verify customers and locations, protecting everyone, everywhere from fraud.

IFX Payments is a leading global foreign exchange, payment, and fintech provider, delivering advanced payment, treasury, and financial management solutions. 

It's solution, "ibanq", is a multi-currency, virtual IBAN platform integrated directly into IFX's foreign exchange and global payments network, which allows corporate clients to maintain, manage and distribute funds in up to 38 currencies from one single account. 

The platform helps businesses with multi-jurisdictional treasury demands such as currency exposure, varying payment routes, mass payment requirements, and reconciliation issues.

The combination of these features creates a seamless, transparent, and time-saving digital cash management platform that allows businesses to focus on what really matters to them.

Incode Technologies is a leading biometric identity company that is reinventing the way humans verify their identities and interact with the world's most substantial institutions. 
 Incode is an end-to-end, fully automated omnichannel identity platform that enables seamless interactions across multiple channels with products focused on onboarding, authentication and payment verification that help increase conversion and reduce fraud. 
 More now than ever, contactless authentication and digital identity verification are critical requirements. Recognized as a leader in enterprise-grade facial recognition technology by the US Government's National Institute of Standards and Technology (NIST), Incode is building the customer experience of the future with a set of proprietary, machine learning, computer vision, anti-fraud and digital onboarding components. 
 With its mission of one identity everywhere, and deep focus in enterprise, the company is growing exponentially. Incode is based in San Francisco with offices in Europe and Latin America.

Great things are happening in Ohio.  Ranking among the world’s largest economies, Ohio’s resources empower business and individuals to have it all.  Your plans will go further here with a welcoming business climate that attracts global investment and fosters growth, a strong talent and education system building a highly skilled workforce of the future, and one of the most ambitious innovation strategies in the country set to grow cutting-edge technologies and industries.  Ohio’s simplified tax structure, central location, and affordable cost of doing business are catalysts for economic diversification and prosperity.  

A thriving economy and enough variety to support any lifestyle—Ohio has it all!  Visit  JobsOhio.comto learn more.

Lunar is the Nordics leading challenger bank.
Founded in 2015, Lunar currently employs 500 people. In 2019 Lunar received a European banking license and today, Lunar has over 850,000 private and business customers across the Nordics.
Lunar Banking Services empowers businesses to send and receive instant transactions in the Nordics with a single API.

We connect Fintechs, PSPs and banks to the Nordic clearing infrastructure providing direct access to DKK, SEK and NOK through our modern APIs, to operate with the speed & efficiency of a local player.
Whether you are looking to optimize your transaction flow with fast and cost-efficient payments or need a banking partner to enable your expansion in the Nordics - we are here to help you.

Monavate: Your guide through the payments maze and your launchpad for next-level financial innovation. 
We are card scheme sponsors, payment experts, and your partners in simplifying the complex. As a principal member of Visa, Mastercard, and Discover, Monavate's platform delivers best-in-class technology so you can build and scale financial products that disrupt the norm. Ambitious FinTech and payment providers? We're here to clear your runway for take-off. 
Founded in 2020, our Cambridge-based team of experts has already driven impressive results: 4 million+ cards issued, 100 million+ transactions, £2 billion+ in customer spend, and a reach spanning 32 countries. Monavate: Turning Payments into Power.


Moneliq is a global payments platform offering businesses seamless integration for processing online transactions. Specializing in adaptable solutions, Moneliq supports diverse industries by providing services like online payments, global acquiring, risk management, and fraud protection. With a focus on simplifying payment operations, their platform enables businesses to manage transactions through an intuitive dashboard, accept various payment methods, and streamline B2B and B2C money flows. With robust APIs and secure authentication, Moneliq enhances digital sales, helping businesses expand globally while prioritizing customer security and experience.

Neema is a global fintech specializing in secure, real-time cross-border payments. Supporting over 150 destination countries and more than 50 currencies, Neema simplifies international transactions for businesses by providing a seamless and efficient payment experience. As experts in serving financial institutions, our platform leverages advanced API solutions to enable real-time currency rates, introduce new payment methods, and deliver a local-like payment experience for cross-border transactions. Our focus on innovation, exceptional success rates and AML measures built into every transaction help businesses optimize payments while reducing the operational costs associated with traditional banking.

Nium, the leader in real-time, cross-border payments, was founded on the mission to deliver the global payments infrastructure of tomorrow, today. With the onset of the global economy, its payments infrastructure is shaping how banks, fintechs, and businesses everywhere collect, convert, and disburse funds instantly across borders. Its payout network supports 100 currencies and spans 190+ countries, 100 of which in real-time. Funds can be disbursed to accounts, wallets, and cards and collected locally in 35 markets. Nium's growing card issuance business is already available in 34 countries. Nium holds regulatory licences and authorizations in more than 40 countries, enabling seamless onboarding, rapid integration, and compliance – independent of geography.

payabl. is a leading PayTech with regional offices in Cyprus, Germany, Netherlands, Lithuania, and the UK. Through its holistic payments offering payabl. can facilitate transactions from 300+ payment methods, enabling businesses to grow, positively transforming the communities they engage in. payabl. offers its customers a high tech, high touch approach, providing future-ready payment solutions for merchants from a wide range of sectors around the world. With unrivalled experience in helping clients navigate the complexity of an evolving payments environment - payabl. is the trusted partner for the world's largest merchants to unlock growth.

PaybyMe is an innovative payment service provider that enables businesses to manage their payment processes quickly, securely, and efficiently. The advanced technology solutions we develop as a company digitize and significantly accelerate the financial processes of businesses across various sectors, allowing them to easily receive payments from their customers. In doing so, businesses gain a competitive advantage by moving beyond traditional methods and adopting modern payment systems.
PaybyMe offers flexible and customizable solutions that can be tailored to meet the needs of a broad customer base, from small businesses to large enterprises. Our robust infrastructure and user-friendly interface aim to provide a seamless payment experience for all businesses. With 14 years of industry experience, PaybyMe, which operates in both the Turkish and international markets, continuously offers its customers the most up-to-date and innovative solutions based on evolving technology.

In addition to financial transactions, PaybyMe also simplifies your operational processes, making it a reliable partner in your digital transformation journey. PaybyMe is always by your side to help take your business to the next level, optimize your payment processes, and provide the best experience for your customers!

For detailed information about our products and solutions, please visit our website at www.payby.me or contact our call center at +90 850 305 94 44.

Paymentwall, established in 2010 in San Francisco, is a global payments platform that pioneered a unified API integrating 200+ payment methods worldwide. Our current platform incorporates over 200 reliable payment methods from LATAM, US, Europe, Africa, MENA, CIS, SEA, Australia, India, Greater China, South Korea, and Japan.

We serve 300,000+ merchants worldwide, operating through our extensive network of 20+ global offices around the world. 
Our offerings include a customizable interface, fully localized payment methods, efficient credit card processing, and innovative solutions. 

These include tax management and remittance services tailored to your global entity, our in-house Medusa Risk & Traffic management system, and the SpiderPipe Payment Orchestration Platform. 

Fintech companies and merchants can benefit from our platform's comprehensive reach, enabling seamless transactions in various markets.

Plaid is a global data network that powers the tools millions of people rely on to live a healthier financial life. Our ambition is to facilitate a more inclusive, competitive, and mutually beneficial financial system by simplifying payments, revolutionising lending, and leading the fight against fraud. Plaid works with over 8,000 companies including fintechs like Moneybox and Venmo, several of the Fortune 500, and many of the largest banks to empower people with more choice and control over how they manage their money. Headquartered in San Francisco, Plaid’s network spans over 12,000 institutions across the UK, Europe, US and Canada.

We are Thredd – The issuer processor turning ambitious businesses into digital payment leaders. 

Working with our clients, we’ve been powering the payments ecosystem since 2007, making the complex look easy while creating the blueprint for first-class card issuing partnership. Thredd delivers flexible, reliable card programmes for brands in the digital banking, retail and B2B payment world, making use of all capabilities from digital wallets to pay-outs, from loyalty to embedded payments. 

Thredd weaves expertise and technology to create a seamless experience for you and your cardholders. Thredd is a true partner to help you launch, scale and succeed. 

Think Thredd, think global. 
•	44+ countries across our global operations 
•	1bn+ transactions processed every year 
•	170m+ cards supported on our platform 

Want to learn more? Visit thredd.com or speak directly with a Threddster at sales@thredd.com. 


TrueLayer is Europe’s leading open banking payments network. We power smarter, safer and faster online payments by combining real-time bank payments with financial and identity data. Businesses big and small use our products to onboard new users, accept money and make payouts in seconds, and at scale. We’re live across 21 countries and over 10 million users trust us to process their transactions. Though we’re not stopping here. We’re on a mission to change the way the world pays. And we won’t stop until we’ve unlocked the full potential of payments.

Trulioo is the world's identity platform, trusted by leading companies for their verification needs. Offering unparalleled global coverage for business and person verification, Trulioo operates in 195 countries and can verify more than 12,000 ID documents and 700 million business entities while checking against more than 6,000 watchlists. Its comprehensive suite of in-house capabilities, integrated across a single automated platform, powers customizable onboarding workflows tailored to meet any market requirement. Combining its state-of-the-art technology with expert verification knowledge across diverse markets, Trulioo enables the highest verification assurance levels, optimizing onboarding costs and fostering trust in the global digital economy.

At Tuum, our mission is to allow banks to replace their legacy systems quickly and safely, to lower their maintenance spending and to open up new possibilities to adapt and prosper in the digital world; in short, to set them free.

We employ a smart migration approach to help banks to move off their current systems. Using this approach, our clients go-live on average within 7 months.

Once live, our system enables banks to easily launch new products and open up new verticals. Offering more than core, Tuum allows banks to operate multiple business lines from a single system, including accounts, lending, payments and cards, as well as go further through access to a pre-configured ecosystem of partner solutions.

Tuum also allows for business transformation. Our business builder gives banks the fine-grained settings to precisely configure their operating, sourcing and distribution models to launch unique models to capitalize on the possibilities of digitization.

Tuum. Core banking. Without limits.

Join the core banking revolution. Discover how Tuum can elevate your financial institution at www.tuum.com.


Founded in 2009, Unlimit is a global fintech company that offers a large portfolio of financial services, including payment processing, banking as a service (BaaS), and an on&off-ramp fiat solution for crypto, DeFi, and GameFi. The company’s mission is to deliver solutions that eliminate financial borders, enabling businesses to operate both locally and internationally with ease across Europe, the UK, LatAm, APAC,Africa and India. Unlimit has 500 employees across 16 offices and five continents, including Frankfurt, Singapore, São Paulo, Hong Kong, and Mexico.For further information, please visit: https://www.unlimit.com/

We are a global tech company devoted to simplifying banking experiences. Through our business solutions, we inspire financial institutions to take digitalization to the next level. We are proud to be a key strategic partner for renowned clients across Latin America, North America, and Europe, helping them become the banks their customers prefer. By creating innovative customer-focused products, we empower over 50 million people to run their financial world. For more information, please, visit: https://www.veritran.com/ 

Volt is building the global infrastructure for real-time payments. Our payment network is the first to unite domestic account-to-account schemes to a single interoperable standard. Scaling and enterprise businesses use it to accept real-time payments, initiate payouts and manage funds. Volt is headquartered in London, has offices in Berlin, Warsaw, Kraków, Sydney and São Paulo, and enables payments in 31 markets across the UK, the EU, Brazil and Australia.

Wallester is an Estonian FinTech company and an official VISA partner providing the most advanced and innovative financial solutions across the whole European Economic Area.

Wallester’s primary line of business is white-label card-issuing. If your organization wishes to provide its clientele with custom and fully branded payment cards, we’ve got you covered. Wallester enables fully functional, personalized, and technologically advanced payment card programs, providing complete go-to-market support in record times.

Our most popular product, Wallester Business, is the perfect solution for any business looking to gain more control over its financial operations. If you buy ads online, travel for work, or make other ordinary business-related expenses, then Wallester Business can improve your company's efficiency. With features including instant corporate card issuance, contactless payments, complete REST API integration, and detailed financial metrics, alongside numerous other features, Wallester Business is geared towards boosting your financial potential.

Crédit Agricole Payment Services is the Crédit Agricole Group's payment services arm, with expertise in marketing, innovation, and interbank processing and representation. With a market share of close to 30%, CAPS is the leading payment services player in France, processing more than 13 billion transactions per year (cards, transfers, withdrawals and cheques, both issued and received). The provision of payment services is a key activity for the Group's banks. It is central to the customer relationship and presents significant challenges in terms of commercial, financial and tech activities. Crédit Agricole Payment Services aim is to develop innovative services, combining ease of use and security. With Crédit Agricole Payment Services, the Crédit Agricole Group is making payments a key driver of customer retention and acquisition.

Dandelion, a Euronet Service, is the largest real-time, cross-border payments network in the world, including built-in settlement, compliance, and support.
We enable payments to 195+ countries. With one simple API integration, banks and fintechs can connect to over 4B+ bank accounts, 2B+ mobile wallet accounts, as well as 550k+ cash pick-up locations.

DriveWealth is a global B2B financial technology platform. Our core business is providing Brokerage-as-a-Service, powering the investing and trading experiences for banks, broker dealers, asset managers, digital wallets, and consumer brands.  DriveWealth’s APIs provide our Partners with a modern, extensible, and flexible toolkit to develop everything from traditional investment workflows to more innovative techniques such as rounding up purchases into fractional share ownership.  

Founded in 2016 in Finland, Enfuce is a female-led company and award-winning issuer processor at the forefront of financial service. Enfuce, who pioneered payment processing in the public cloud, is a global powerhouse that merges innovation, security, and top-notch expertise to craft mind-blowing modern, modular, scalable and cloud-based card payment solutions. 

Enfuce’s unique no-nonsense approach helps innovative companies, financial institutions and digital banks to execute their payment card growth strategy, enabling them to create exceptional customer experiences and launch new payment solutions in record time that are cloud-based, flexible, scalable and secure. 

Enfuce has raised €68.5 million in funding to date, from the likes of Visa, Vitruvian Partners and maki.vc, including a €45 million Series C round, which is one of the highest investment rounds raised by a female-led business.

Fast-paced, innovative, safe, and sustainable — Estonia is your best bet for impactful business partnerships. We help you discover and connect with leading companies in your sector.

Equals Money is the money movement solution for forward thinking teams. We offer a range of products to best suit your business needs, from corporate cards and an online platform to manage spend to in-house currency expertise to support you through making international payments. 
 In addition to our expense management and international payments offerings for business, our access to local payments networks allows us to offer bespoke payments solutions for large corporate or enterprise customers and other Financial Institutions via global collection accounts, Payments as a Service, and the Equals Money platform.  
 Whether you need physical or virtual cards to enable and stay on top of team spend or bespoke payments solutions, our platform combines cutting-edge technology, support from currency experts, and thorough compliance. 1 Let us take the stress out of money movement.  
 Currency is unpredictable and fluctuates in the best of times, making costs difficult to manage in any circumstance. If you need to make international payments, access over 100 currencies and our in-house currency expertise to help you stay on top of volatile markets. Your account manager will monitor the markets for you and alert you to movements in your chosen currency pairs. Additionally, you can book what?s called a forward contract and lock in rates up to 24 months in advance of a payment. Given the volatility of the current climate, the stability of a forward contract to facilitate payments for goods and services can often outweigh the potential disadvantage of any rates moving further in your favour. You?ll also get access to UK Faster Payments and SEPA to make rapid and convenient payments. 
 Business spend is inevitable: with an account from Equals Money, make it one less thing to worry about.

A trusted provider of financial services, Financial House offers multi-currency, comprehensive solutions that are swift, efficient, and adhere to global security standards. As a Principal member of MasterCard, Visa, and UnionPay, our advanced API provides seamless integration with essential payment systems SEPA, Faster Payments, BACS, CHAPS, and SWIFT. Proudly, we were recognised as one of Europe's 1,000 fastest-growing companies by the Financial Times and Statista in 2022. For more details on our offerings, please contact our team or follow us on Linkedin.

Fireblocks is an enterprise-grade digital asset security platform for moving, storing, and issuing digital assets. Fireblocks enables financial institutions to securely build, run and scale digital asset operations through the Fireblocks Network and MPC-based Wallet Infrastructure. Fireblocks serves over 1,500 institutions, has secured the transfer of over $3 trillion in digital assets and has a unique insurance policy that covers assets in storage & transit. 

The all-in-one marketplace for financial services. The Flyfish platform bridges the gap between businesses and financial institutions by offering easy access to various payment and financial products and services from multiple providers worldwide, all in a single location. Flyfish simplifies financial management by consolidating multiple financial services into a single, accessible platform through the BaaS protocol. This eliminates the challenges of managing multiple bank accounts and streamlines the onboarding process for businesses.

Innovation Agency Lithuania spearheads the Lithuanian innovation landscape, propelling innovation across business growth phases with tailored services. Our focus on sustainable economic development through scientific knowledge and advanced technologies benefits startups and small to medium-sized enterprises. 
 Our global stance positions us as the entry point for foreign businesses, facilitating Lithuanian partnerships and fostering joint initiatives in mutual markets. We're valued partners to international business associations, chambers, and governmental bodies, enhancing Lithuania's global competitiveness. 
 Lithuania stands as an ICT powerhouse, celebrated for its robust infrastructure, a reservoir of ambitious talents, and pioneering tech firms. Boasting 42,000 ICT experts, we rank 5th worldwide for digital prowess (IMD World Competitiveness Yearbook, 2021). Our innovation-rich environment nurtures 1000+ startups. 
 Central to our ICT sector is Fintech, soaring from 44 companies in 2014 to 263 in 2022. Lithuania's cyber strength is evident, ranking 6th globally in the National Cybersecurity Index and 4th in the EU's ITU Global Cybersecurity Index. The game development sector surges with untapped potential. 
 Lithuania's expertise in automation and AI primes us for future growth. Our primary ICT export destinations include the USA (over 18% of companies), Ireland, the UK, and the Netherlands, amplifying Lithuania's tech prowess on a global scale. 
 Embrace the essence of Innovation Agency Lithuania and the thriving Lithuanian ICT domain at Money 20/20 2024. Together, let's navigate the boundless avenues of innovation, scripting a future where technology revolutionizes the world.

Positioned as the first Neobank in Türkiye, Misyon Bank combines capital markets, corporate and retail banking products and services under a single roof with its investment banking license.

Papel is a premier financial services provider catering to individual and corporate clients. Our extensive offerings include prepaid cards, physical and virtual POS systems, and e-wallet solutions. Our inception in Turkey marks the beginning of a revolution—creating a seamless, modern, and globally integrated financial experience that endorses freedom.
 
At Papel, innovation meets convenience. We equip businesses with robust tools like online and offline POS systems, intuitive campaign builders, and sophisticated analytical tools. At the same time, individuals enjoy around-the-clock money transfers, lucrative cashback offers, comprehensive open banking, and global transaction capabilities.
 
Using cutting-edge technology, we're transforming the payment landscape and paving the way to financial freedom. Whether you're an entrepreneur or a private user, we invite you to join our journey toward a faster, safer, and simpler financial experience.
 
That's why we proudly say, "Papel For You!"

Shift4 (NYSE: FOUR) is boldly redefining commerce by simplifying complex payment ecosystems across the world. As the leader in commerce-enabling technology, Shift4 powers billions of transactions annually for hundreds of thousands of businesses in virtually every industry. Experience the future of commerce at www.shift4.com.

We're the global specialist in financial transactions ? the way the world moves value across borders, through cities and over seas. We keep funds flowing, supply chains moving and the world's economies turning. No other organisation can address the scale, precision and trust that this demands. 
 We're unique too: a neutral cooperative established to provide a safe, secure and reliable way for the financial community to send transactions across borders. We?re always striving to be better and are constantly evolving in an ever-changing landscape. We innovate tirelessly, test exhaustively, then implement fast. In a connected and challenging era, our mission has never been more relevant.

Thales is a global technology leader with 81,000 employees in 68 countries. The Group provides solutions, services, and products to customers in the aeronautics, space, transport, digital identity and security, and defense markets. 
 Our digital identity and security business creates the technology needed to build trust in an increasingly connected world. Our solutions generate value for businesses and governments by protecting the identities of billions of people and things as well as the data they create and exchange. 
 We deliver these solutions to more than 30,000 organizations including 3,000 financial institutions whose banking and payment services we protect.

Thunes is a global payment innovator enabling seamless, instant and transparent money movement for the 21st century. Through our expansive network, we empower our customers to Accept and Pay in real time, closing the gap between payment systems worldwide.

Thunes currently facilitates payments in 84 currencies across 133 countries, using over 550 payment methods, including 129 mobile wallets like PayPal, M Pesa and Orange Money, gig economy giants like Uber and Deliveroo and super-apps like Grab and WeChat. Headquartered in Singapore, Thunes has offices in 14 locations, including Beijing, Nairobi, Riyadh, Dubai, San Francisco, Sao Paulo, London, Paris, Barcelona and Manila.
With a mission to connect the world’s population so that commerce can operate in a borderless, frictionless way, Thunes’ network is powering the next chapter of the digital economy.


Worldline is a global leader in the payments industry and the technology partner of choice for merchants, banks and acquirers. Powered by 18,000 employees in more than 40 countries, Worldline provides its clients with sustainable, trusted and innovative solutions fostering their growth. Services offered by Worldline include instore and online commercial acquiring, highly secure payment transaction processing and numerous digital services. In 2021 Worldline generated a proforma revenue close to 4 billion euros. worldline.com 
 Worldline?s corporate purpose (?raison d?être?) is to design and operate leading digital payment and transactional solutions that enable sustainable economic growth and reinforce trust and security in our societies. Worldline makes them environmentally friendly, widely accessible, and supports social transformation.

B4B Payments is a multi-award-winning, global financial services technology company offering an advanced transaction payments platform and APIs for emerging payments and financial services. Our flexible technology and comprehensive services include embedded finances, payment accounts, FX, rapid payouts, physical and virtual card issuing, and BIN sponsorship.  With over 18 years of expertise in payments, B4B Payments is headquartered in the UK. In Europe, B4B Payments is regulated as an e-money institution (EMI) authorised by the Financial Conduct Authority (FCA) and the Bank of Lithuania and is a Mastercard® Principal Member.  B4B Payments’ US division (B4B Payments USA, Inc. ) is based in Boston, MA, and specialises in enabling companies to reduce costs and increase efficiency in managing corporate expenditure and global payouts. The division provides businesses with prepaid and virtual card solutions for corporate expenses, incentives, and disbursement through partnerships with Metropolitan Commercial Bank and Visa® U.S.A. Inc.  B4B Payments Europe and US divisions offer full and partial program management and support, in addition to comprehensive technical, regulatory, and service support to fintechs looking to launch or grow domestically and internationally.  B4B Payments is a Banking Circle Group company. A next-generation financial technology platform for global commerce, Banking Circle Group, comprises a rich set of complementary e-commerce solutions. From international cross-border payments, accounts and liquidity management, and embedded finance to business payments & card issuing, B2B Buy Now Pay Later, and account-to-account payment methods, the ecosystem is delivering modern financial solutions to some of the largest and most successful companies around the world, as they accelerate the digitalisation of their customer and supply-chain.



 

Banking Circle is a fully licensed next generation Payments Bank that is designed to meet the global banking and payments needs of Payments businesses, Banks, and Marketplaces.

Through our API, we deliver fast, low-cost global payments and banking services by connecting to the world’s clearing systems – enabling our clients to move liquidity in real-time for all major currencies securely and compliantly.

Our solutions are powering the payments propositions of more than 400 regulated businesses, Financial Institutions and Marketplaces, enabling them to gain geographic reach and access to the markets in which their customers want to trade. We process over 10% of Europe’s B2C e-commerce flows and in 2023 alone, we processed over 550 billion Euros in payments volumes.

Our clients include Visa, WorldPay, SumUp, Stripe, Nuvei, PaymentSense, Alibaba, Paysafe and Shopify.

Crown Agents Bank is a UK regulated bank, that connects emerging and frontier markets to the rest of the world using FX and payments technology to move money where its needed.  
 We connect traditionally hard-to-reach regions to global financial infrastructure, giving our clients access to the best prices and the fastest, most reliable settlement. Our proprietary technology and specialist FX and payments product suite has been developed to cater to the specific needs of emerging and frontier markets, reducing friction so that more money gets to the intended beneficiary.   
 With our deep emerging market payments network, we support partners across financial institutions, global corporates and international development organisations.

Foreign Economic Relations Board (DEİK), Türkiye’s window to the world; is a voluntary-based business organization, aiming at strengthening the Turkish private sector since 1985.

With a key focus on “Business Diplomacy”, DEİK has been working on developing foreign economic relations of Türkiye’s private sector, seeking both foreign and domestic investment opportunities and enhancing bilateral trade between Türkiye and its potential partners.

With its 152 Business Councils worldwide, DEİK mainly acts to improve Türkiye’s trade and investment relations in a strategic manner with direct contact in these 144 countries.

DEİK is working with the task of “conducting the foreign economic relations of the Turkish private sector” and carries out activities under the coordination of the Ministry of Trade.

The official German Presentation is sponsored by the Federal Ministry for Economic Affairs and Climate Action (BMWK) in cooperation with the Association for German Trade Fair Industry (AUMA).

ICEX Spain Export and Investment is a national public business entity whose mission is to promote the internationalisation of Spanish companies in order to contribute to their competitiveness and add value to the economy as a whole, as well as to attract foreign investment to Spain. 
 It provides its services through a network of 31 Provincial and Territorial Trade Directorates in Spain and more than 100 Economic and Commercial Offices abroad. It also has 31 Business Centres abroad, which offer Spanish companies temporary infrastructure as incubators for internationalisation.

The Italian Trade Agency (ITA) is the government agency responsible for promoting foreign investment in Italy. Working under the Ministry of Foreign Affairs and the Ministry of Enterprises and Made in Italy, our international network provides a global reach through over 80 overseas offices all over the world.
We aim to ensure that current and potential investors receive the strongest possible cross-government support to realise their investments. In close collaboration with our Partners at Money20/20 Europe, we are committed to promoting Italy as an inward investment destination for the global Fintech community, leveraging our strong innovation credentials, with a competitive business environment and access to a talent pool of highly qualified professionals.

LHV Bank, a fully licenced UK bank, specialises in providing Banking Services for global fintechs, SME Lending solutions for UK businesses, and Personal Savings through partnerships with deposit aggregators. 

As a leading Banking Services provider, LHV Bank delivers a wide range of services. Over 200 renowned fintech companies utilise LHV Bank to serve more than 10 million end customers and to access a pool of 500 million potential customers across the UK and Europe. The SME Lending division offers commercial real estate investment loans and trading loans between £0.5m and  £5 million to small and medium-sized businesses in the UK.

As a leading Banking Services provider, LHV Bank delivers a wide range of services, including real-time multi-currency payments, accounts, acquiring, indirect scheme access, open banking, and FX solutions. Over 200 renowned fintech companies, such as Airwallex, Currencycloud, Truelayer, and Wise, utilise LHV Bank to serve more than 10 million end customers and access a pool of 500 million potential customers across the UK and Europe. 


Microsoft offers banks a highly secure and compliant, enterprise-grade cloud platform to run their business and the latest technology needed to unlock business value and deepen customer relationships. With Microsoft Cloud, banks can optimize costs, reduce time to value, enhance collaboration, and use data and AI to deliver more impactful business outcomes—whether transforming the banking experience, empowering employees, managing risk, modernizing payments and core banking, or creating a sustainable future. The security, compliance, and scale of the Microsoft Cloud, combined with our global partner ecosystem, empower banks to address evolving customer needs, hybrid workplace requirements, complex regulations, new competitors, solution integration, and increased cyber threats with both efficiency and resilience.

Born and raised in Turkey, we kicked off our journey in 2016, setting out to free everyone from traditional systems, a world where financial freedom is a reality, not just a dream. Our dynamic and inclusive team of 650+ talented trailblazers makes financial services fast, simple, affordable, and enjoyable. Prioritizing user experience above all, we're not just reinventing banking – we're creating the future of finance, one disruption at a time. Our community is 19 million strong and growing, making us one of the most trusted and well-loved finance apps on AppStore and Google Play, boasting an impressive average user rating of 4.8. This acclaim recognizes Papara as a leader in the fintech sector, even earning us a spot in the Global Fintech100 by KPMG and the Best Fintech Start-up by VISA. At Papara, we're here to build a brighter financial future for our users by introducing groundbreaking products and services. If our mission resonates with you, we invite you to join us on this daring journey. Together, we disrupt, include everyone, and redefine the future of finance.

Param, Turkey's leading integrated financial services provider, was established in 2014 and swiftly accredited by the Banking Regulation and Supervision Agency (BRSA). Offering a comprehensive range of services, including electronic money, prepaid cards, physical and virtual point-of-sale (POS) solutions, and e-wallets, Param serves individual and corporate clients. 
 A standout in the industry, Param is the exclusive electronic money institution holding card issuing licenses for Troy, MasterCard, Visa, and Discover. Additionally, it is the inaugural non-bank member of the BKM TechPOS platform. 
 Endorsed by the Central Bank, Param has disrupted industry norms, distributing over 7 million prepaid cards. The advanced ParamPOS, an electronic POS solution, caters to a diverse clientele exceeding 90,000 corporations and individuals. 
 With substantial investments from notable entities like the European Bank for Reconstruction and Development (EBRD), CEECAT Capital, Alpha Associates, and Revo Capital, Param boasts a valuation surpassing USD 200 million and a workforce of over 1,300 employees. 
 In strategic expansions, Param established a partnership with Momento and acquired Eçözüm (now Finrota) in 2021, followed by Univera, Univis, and Czech Republic-based Twisto in 2023. Additionally, Param has committed to acquiring PayCore and its subsidiaries in 2023. The same year witnessed an investment in Hopi (a loyalty application affiliated with the Boyner Group) with a valuation of $100 million, highlighting Param's dedication to innovation and sustained growth. 
 To share its expertise with Europe, Param initiated operations in the United Kingdom as Param UK in 2022 and established a subsidiary in the Netherlands in March 2023.

Ripple is the leading provider of digital asset infrastructure for financial institutions—delivering simple, compliant, reliable software that unlocks efficiencies, reduces friction, and enhances innovation in global finance. Ripple’s solutions leverage the XRP Ledger and its native digital asset, XRP, which was purpose-built to enable fast, low-cost, highly scalable transactions across developer and financial use cases. With a proven track record working with regulators and policymakers around the world, Ripple’s payments, custody and stablecoin solutions are pioneering the digital asset economy—building credibility and trust in enterprise blockchain. Together with customers, partners and the developer community, we are transforming the way the world creates, stores, manages and moves value.

Headquartered in The Netherlands, TerraPay believes that the smallest payment deserves a borderless journey as safe as the largest. The company has been building an ever-expanding payments highway that empowers businesses to create transparent customer experiences with an uninterrupted, secure, and real-time global passage for every payment, however small or large. Registered and regulated across 25 global markets, TerraPay is a leading global partner to banks, mobile wallets, money transfer operators, merchants, and financial institutions, creating a more expansive and inclusive international financial ecosystem. With access to payments infrastructure that spans the globe, their partners become beacons of the promise of global financial inclusion.

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