Accenture BeLux Innovation Awards for Financial Services Edition 2012

PrefaceThe Accenture BeLux Innovation Awards for Financial Services 2012, launched by Accenture in Belgium and Luxembourg aim to recognize and reward innovative concepts brought to market by small and large companies in the Financial Services industry.

With close to 100 innovation cases submitted, 17,000 public votes and more than 180 participants invited at the Awards ceremony in the Brussels Stock Exchange, this first edition was a real success.

From the 100 entries, almost twenty percent came from large organizations and the remaining eighty percent from small and medium sized organizations. Thirty percent of the cases were from Luxembourg and seventy percent

Baudouin Thomas Financial Services Lead Accenture in Belgium and Luxembourg

Olivier Gillerot Country Managing Director Accenture in Belgium and Luxembourg

from Belgium. This clearly proves that innovation is very much alive and a priority within the Financial Services marketplace in Belgium and Luxembourg.

With so many innovative concepts to choose from, the expert jury consisting of 17 Financial Services industry leaders and influencers from Belgium and Luxembourg certainly had their work cut out. Without their expertise, effort and dedication, the Innovation Awards would not be so prestigious. We would therefore like to thank all the jury members for their participation and contributions.

The three winners of the 2012 edition are Digicash (Jury Prize), KBC Mobile Banking (Public Prize) and Bankshopper.be (Jury Prize Runner-up).

A significant part of the success of this first edition is due to the support of our partners who supported us in the organization and provided the prizes for the candidates.

We would also like to thank the Innovation Awards team for putting considerable time and effort into organizing the competition.

We hope this report will give you a good overview of innovation in the Financial Services industry and inspire you to innovate to achieve high performance.

With these Awards, we have created new dynamism to promote innovation within the Financial Services marketplace.

3

Innovation in Financial Services lives!

The Origami Butterfly

Making the life of the client easier

Looking back at the event

And the winner is…

Press & Buzz

Presenting our expert jury

Presenting our partners

The candidates

The organizing team

About Accenture

7

9

10

12

15

17

18

20

22

34

36

Table of Contents

5

Innovation in Financial Services lives!

Impressive list of diverse candidates

The first edition of the Accenture BeLux Innovation Awards can count on a list of candidates which is impressive both in its sheer size as well as in its level of quality and diversity.

With 98 subscriptions the cape of a 100 candidates is as good as rounded. The vast majority of those nearly 100 candidates is composed of small and often very young companies. At the same time the mature market players have demonstrated that they also have a role to play in the innovation debate by accounting for 20% of the candidates. With 70% of the candidates coming out of Belgium, and 30% out of Luxembourg, the geographical diversity was also ensured.

An even bigger variety is found when looking at the content of the submitted concepts, underlining the fact that innovation is hard to capture in one definition.

The Financial Services industry is going through rough times. It continues to draw negative headlines in newspapers and on television. Banks are struggling to cope with the impact of the financial crisis. However, at the same time, in the background, innovative ideas are born. They are nurtured in a protective cocoon to grow into impressive butterflies, promising to constitute the basis for the future recovery of the financial sector.

In order to give these butterflies some additional warmth and encouragement, Accenture in Belgium and Luxembourg has kicked off the “Accenture BeLux Innovation Awards for Financial Services”. The first edition of this initiative has attracted a lot of attention and hence confirmed the interest in and potential for innovation in the BeLux financial sector. It has clearly succeeded in its objective to boost the dynamic around innovation, and to bring together the different stakeholders in a constructive discussion. The dots have been connected!

• An important part of the applications focuses on innovating the way banks and insurers interact with their clients. Leveraging on internet and mobile devices, advisory, sales and transaction initiation continue to move away from the traditional “brick” channels. In addition, new technologies like gesture control and eye tracking open up new horizons for the future.

• Secure access and protection of data is inherently important for Financial Services, and hence also a domain where significant innovations are observed. Also here technological evolutions allow for further progress, for example by encrypting data using quantum physics.

• Tools to gather and analyse client information are getting more advanced than ever and result in a better understanding of client needs. In its turn, this customer insight allows for a further alignment of products, services, channels,…

• Also the Financial Services sector continues to develop its offering to clients by adding some new, innovative products to its menu.

• And finally, the multiple mono and cross-company ideation, training and information sharing platforms confirm the sector interest in innovation; and the fact that innovation thrives when embedded in a broader ecosystem.

7

To be continued

With the Innovation Awards, Accenture BeLux aims to trigger a dynamic interaction around innovation, motivating everyone involved to keep searching for new ideas. This edition of the Innovation Awards was hence not a one shot initiative, but an ongoing effort which will be continued in the years to come. We therefore invite anyone who has an innovative and viable idea to contact us and to enter next year’s competition…

Note: You can contact us via e-mail to fs-innovation-awards@accenture.com

(www.youtube.com/accenturebelux), including the movie presenting the Opening Bell Ceremony of the Brussels Stock Exchange by the two winners of the contest. Available videos have been viewed over 8,000 times.

This virtual buzz spilled over to the real world and the Accenture Innovation Awards popped up on ATM’s and in client communications. It became a frequent topic for discussions on the work floor of more than one company.

This attention came out onto an impressive 17,000 votes on the Accenture BeLux Innovation Awards webpage; and encouraged about 200 Financial Services professionals to defy the cold and to attend the closing ceremony on February 2, 2012 at the Brussels Stock Exchange.

Finally, the first edition of the Accenture BeLux Innovation Awards for Financial Services has received extensive bandwidth in the different media. The close collaboration with MediaFin for the on-line file on innovation in financial services and the coverage of the closing event have resulted in continuous attention in De Tijd and L’Echo. This attention was picked up by other media, resulting in the press coverage detailed in the section “Press & Buzz” of this report.

Active collaboration with selected partners

The first edition of the Accenture BeLux Innovation Awards has been actively supported by a limited number of selected partners. Each of them has its role and reputation in the financial sector, while having maintained its objectivity and independence from the large and small market players.

Their active support in the search for candidates, the screening and assessment of submitted concepts and the organization of the closing event has contributed to the success of this first edition of the Innovation Awards. The prices in goods they offered (coaching in financial & business planning, market research, innovation training, housing, media visibility and networking… ) will contribute to the success of our award winners.

Intensive discussions during expert jury sessions

The large choice of high quality and diverse candidates presented to the expert jury resulted in the impressive challenge to come up with one winner.

The expert jury was composed of 17 members; each one having their own background and hence their own view on innovation. Experts from the large banks and insurance companies in Belgium and Luxembourg were supplemented with representatives from NYSE Euronext, Febelfin, SWIFT, Belgacom, private equity investor Allyum, PHB Development, Association des Banques et Banquiers de Luxembourg, LuxInnovation, ISPIM and the Vlerick Leuven Gent Management School.

They were brought together in two jury sessions. A first session to confirm the proposed list of the top 25 candidates which entered the public voting competition, and to select the expert jury short list of eight candidates. The second session allowed the expert jury to interview each of those eight before agreeing on the final winner. The long and heated debates did not result in an award winner only, but also lead to some new ideas to combine and leverage the presented candidates.

Extensive visibility in the real world and in the virtual world

The initiative was followed with enthusiastic interest by the traditional media, but even more on electronic forums and platforms. The Accenture BeLux Innovation Awards micro site (www.accenture.be/innovationawards / www.accenture.lu/innovationawards) set the tone and was quickly followed by candidates, partners and media who published banners, articles and referrals. Social media were leveraged to further spread the word, with active cover on Twitter, Linked In, Facebook, SlideShare and YouTube. The dedicated Twitter account (www.twitter.com/innovationbelux) has so far displayed 630 tweets and counts 214 “Followers”. 26 videos have been uploaded on the Innovation Awards YouTube page

8

The Origami Butterfly Accenture BeLux has chosen an Origami butterfly made out of green paper as mascot for its Innovation Awards for Financial Services; since it reflects and promotes the values underlying the initiative.

The butterfly is a symbol of rebirth, reinvention and innovation. It embodies the idea of development, transformation and accomplishment: the caterpillar evolves, grows wings, and turns into a beautiful butterfly. This butterfly emerges from its cocoon to show itself to the world, just like a brilliant idea leaves a creative mind to surprise and serve the public.

In addition, the butterfly represents the major effects an initially small change can have on the world at large in the future. If according to the ‘butterfly effect’ one butterfly is able to start a tornado months later and miles further, then a well thought innovation can surely grow and develop to reach high objectives tomorrow.

The choice of the green color refers to youth, vitality and energy, which constitute also the core features of an innovative enterprise.

The origami is made of paper, which brings us to the essence of the Finance World: paper is the raw material for the bank notes that allow our economy to function on a daily basis, and to constantly pursue its growth.

Finally, in some Asian countries, it is customary to give notes folded in origami style to wish peace and prosperity. By choosing an origami butterfly as symbol for the Accenture Innovation Awards, we want to wish all our candidates peace and prosperity, hoping that their concept might turn into a game changing element for the financial industry.

9

Making the life of the client easier

Looking at the evolutions taking place in the BeLux Financial Services sector, it becomes obvious that innovation aims to make the life of the client easier, in a number of ways:

• By further improving the convenience of using banking and insurance products: making it easier and faster for the client to access its bank or insurer, or to make payments, for example by leveraging internet and mobile channels.

Key examples include: AXA service mobile car and AXA service mobile household by AXA Belgium, Digicash by Mpulse, James by BNP Paribas Fortis, KBC Mobile Banking by KBC, Make an Appointment by ING Belgium, Zoomit by Isabel SA/NV,…

• By increasing transparency: offering client a clear (online) insight in product characteristics and pricing as well as in the status of, for example, transactions. This transparency is requested and offered by individual financial institutions into their own offering. It is also the domain of independent companies which can provide an objective comparison between different companies, hence supporting customers in their choices.

Key examples include: ASSURAX by VERZEKERINGEN, BankShopper.be, Luxembourg Fund Monitor by Trendiction SA, Verzekeringen.be by Verzekeringen NV,…

• By raising the relevancy of the banking and insurance products offered to clients: ensuring a maximal fit of what is offered to the client with what he needs; in terms of product content (e.g. alternative investment solutions), service model and channels, pricing,…

Key examples include: Creative Equity, Funds for Good, Precious Time by Elite Advisers, Tax Shelter Premium by SCOPE Invest,…

As already mentioned above, innovation comes in different forms and cannot be captured under one definition. At the same time, some fundamental trends and observations can be made based on the 98 innovative concepts which were scanned as part of the Accenture Innovation Awards.

• By (re-)gaining trust: investing in solutions to secure access to online services, to protect client and transaction data, to avoid fraudulent transactions or to protect customers’ privacy.

Key examples include: 3SKey by SWIFT, IntelliStamp by Inventive Designers NV, payfair@2.0 by European Payment Solutions NV, SQR Tech by SQR Technologies, TrustBuilder by SecurIT,…

A key enabler of a lot of these innovative evolutions continues to be technology. Continuous technological evolutions act as a true catalyst to keep up the innovation pace, and to ensure the innovation of tomorrow:

• Enable an in-depth understanding of the clients and their needs through advanced data capture across multiple sources, through sophisticated analysis and decision support, and through pro-actively making the right information available at the right time to the right people.

Key examples include: DeepDrill by BNP Paribas Fortis, Paperless Bank by Bank J. Van Breda & Co, Wealth Management App by Avaloq Luxembourg Sarl, WealthExpert by Gambit Financial Solutions,…

• Opening up fully new horizons which were up to now technically not possible.

Key examples include: E-Money as a Service by Tunz.com, Eye Tracking Tool by ROGIL RESEARCH NV, iNUITM Fly Folder by iNUITM Studio SA,…

• Improving the internal efficiency, and by doing so enabling to improve the quality and speed of the service offered to clients, enabling price reductions,…

Key examples include: AMAT Framework by Clear2Pay, ArcoInvoice by Arco Information, CustyBank by Custy, Intix Message Manager by INTIX,…

In addition to the technological evolutions as innovation enabler, the different ideation platforms set up within one or across multiple companies deserve a special mention. They contribute to the sector innovative dynamic and involve employees and clients in an active search for the innovations of tomorrow.

Key examples of platforms fostering the development of new ideas include eXchange2Innovate by BGL BNP Paribas, Innotribe by SWIFT, Jump by BNP Paribas Fortis, XchangeHub by The Hub Brussels,…

10

Furt

her a

dvan

ce in

tegr

ated

us

e of

diff

eren

t ch

anne

ls

In a

dditi

on t

o th

e im

pact

the

inno

vatio

ns h

ave

on t

he li

fe o

f the

clie

nt, c

once

pts

can

also

be

clas

sifie

d ba

sed

on

thei

r fun

ctio

nal c

onte

nt; a

s is

don

e be

low

sta

rtin

g fr

om t

he A

ccen

ture

Hig

h Pe

rfor

man

ce B

anki

ng m

odel

.

Distribution

Chan

nel I

nteg

ratio

n &

Man

agem

ent

Sale

s, M

arke

ting,

Bra

nd M

anag

emen

t

Bran

chPh

one

ATM

Mob

ileW

eb

Cust

omer

Dat

aPr

oduc

t Ag

greg

atio

nPr

icin

g Ru

les

ITRi

sk

Man

agem

ent

Hum

an

Reso

urce

sO

ther

Paym

ents

&

Cas

h M

anag

emen

t

Out

-of-

the-

box

and

tailo

red

solu

tion

s fo

r ri

sk-r

elat

ed t

opic

s lik

e AM

L, B

asel

III,

Solv

ency

,… a

s w

ell a

s re

gula

tory

rep

orti

ng

Activ

ely

man

age

info

rmat

ion

exch

ange

bet

wee

n em

ploy

ees

and

com

pani

es,

espe

cial

ly in

sup

port

of

inno

vatio

n pr

oces

s

Soft

war

e an

d co

mm

unic

atio

n to

ols

auto

mat

ing

diff

eren

t su

ppor

t fu

nctio

ns

Cont

inuo

us fo

cus

on im

prov

ing:

• IT

& d

ata

secu

rity

- b

oth

in c

lient

inte

ract

ion

(e.g

. for

tr

ansa

ctio

n in

itia

tion

s) a

s w

ithi

n th

e ba

nk

• Aut

omat

ed s

uppo

rt fo

r ap

plic

atio

n de

velo

pmen

t an

d te

stin

g

• Out

-of-

the-

box

soft

war

e so

lutio

ns fo

r sm

all a

nd la

rge

bank

s

Lend

ing

Insu

ranc

eIn

vest

men

t

Hub Production Corp.

Digi

taliz

e cl

ient

in

tera

ctio

n in

the

tr

aditi

onal

bra

nch

netw

ork

Cont

inue

evo

lvin

g m

obile

tec

hnol

ogie

s &

cha

nnel

s (b

ank

and

non-

bank

sol

utio

ns):

• Pay

men

ts, b

ut a

lso

othe

r pro

duct

s (in

sura

nce,

cre

dits

)• T

rans

actio

n in

itiat

ion,

but

als

o ad

viso

ry a

nd s

ales

Info

rmat

ion

colle

ctio

n an

d pu

blis

hing

sup

port

fo

r ind

ivid

ual c

ompa

nies

an

d ac

ross

indu

stry

• Pro

duct

inno

vatio

n le

vera

ging

for e

xam

ple

new

fisc

al le

gisl

atio

n

• Inc

reas

e so

phis

ticat

ion

of IT

pla

tfor

ms:

too

ling

supp

ortin

g cl

ient

in

tera

ctio

n an

d ad

viso

ry;

port

folio

man

agem

ent

Mod

est

prod

uct

inno

vatio

n an

d di

gita

lizat

ion

of c

lient

in

tera

ctio

n

Impo

rtan

t pr

oduc

t in

nova

tion

leve

ragi

ng d

igita

l tec

hnol

ogie

s (f

or e

xam

ple

e-in

voic

ing,

pr

epai

d ca

rds,

e-vo

uche

rs,

e-sa

fe)

Mod

est i

nnov

atio

n in

pr

oduc

ts, c

lient

inte

ract

ion

proc

esse

s, an

d in

tern

al

effic

ient

sol

utio

ns

Use

adv

ance

d an

alyt

ics

&

clie

nt b

ehav

ior a

naly

sis

to

supp

ort

prod

uct

deve

lopm

ent,

mar

ketin

g ef

fort

s, ch

anne

l de

sign

,…

Leve

rage

inte

rnet

to

crea

te t

rans

pare

ncy

acro

ss p

laye

rs

3

214

4

5

7

13

3

6

16

13

3

63

3N

umbe

r of c

ompe

ting

conc

epts

per

cat

egor

y

Depo

sits

11

Looking back at the eventAbout 200 people accepted the personal invitation to join the Accenture Innovation Awards ceremony on February 2, 2012. Jury members, partners and candidates were joined by an impressive list of top management representatives of the different key players in the BeLux financial industry. They all gathered at the historical building of the Belgian Stock Exchange in the centre of Brussels to discover the final award winners. However, the agenda had more in store than the winners only.

Some highlights…

The Conversation Manager by Steven Van Belleghem (InSites Consulting)

Benoît Cerexhe, Brussels Minister of Economy, Employment and R&D

In recent years, the internet has developed from a static into a social platform. This development has had a major impact on the manner in which consumers seek information, communicate and indicate their purchasing intentions. Through a number of concrete examples, Steven Van Belleghem has demonstrated how marketers can change the way they interact with their customers and turn this trend to their advantage. Becoming a ‘conversation manager’ who listens to his customers and actively collaborates with them is the way forward.

Brussels has linked its destiny for an important part to the overall wellbeing of the financial sector: it is home to an important number of local, regional and global financial players, continues to nurture technological evolutions in that industry and hence has nearly 10% of its total employment originated in the financial sector. Together with the rest of the world; Mr. Cerexhe therefore closely follows the current evolutions of this sector. He strongly believes in the role innovation can play in re-establishing the trust clients have in their bank and actively supports any initiative that promotes innovation – as the Accenture Financial Services Innovation Awards do.

12

Innovation Market

The top 8 candidates were offered the opportunity to introduce their concept to the audience during the Innovation Market, opened during the welcome drink as well as during the walking dinner following the ceremony. A computer screen and a publicity desk were available to support the promotion of the concepts.

In addition, each of the top 8 candidates was presented during the ceremony by mean of a personal short video followed by a snap interview with the candidate.

13

Euronext Bell Ceremony

The winners of the Accenture Financial Services Innovation Awards 2012 were invited to open the trading day on February 6. In addition to the honor of ringing the symbolical bell, Euronext offered to the winners and top 8 candidates the opportunity to continue the discussion on innovation with Euronext staff and to exchange ideas for the future.

13

The building

The building that houses the Brussels Stock Exchange does not have a distinct name, though it is usually called simply the Bourse. It is located on Boulevard Anspach, and is the namesake of the Beursplein/Place de la Bourse, which is, after the Grand Place, the second most important square in Brussels.

As part of the covering of the river Senne for health and aesthetic reasons in the 1860s and 1870s, a massive program of beautification of the city centre was undertaken. Architect Léon-Pierre Suys, as part of his proposal for covering of the Senne, designed a building to become the centre of the rapidly expanding business sector. It was to be located on the former butter market, (itself situated on the ruins of the former Recollets Franciscan convent) on the newly created Anspach Boulevard (then called Central Boulevard).

The building was erected from 1868 to 1873, and mixes elements of the Neo-Renaissance and Second Empire architectural styles. It has an abundance of ornaments and sculptures, created by famous artists, including the brothers Joseph and Jacques Jacquet, Guillaume de Groot, French sculptor Albert-Ernest Carrier-Belleuse and his then-assistant Auguste Rodin.”1 “The hundreds of sculptures and bas-relief [constitute] allegories for Brussels, Freedom of Trade, Africa and Asia […].”2

1 Source: Wikipedia (http://en.wikipedia.org/wiki/Brussels_Stock_Exchange)2 Source: Brussels.info (http://www.brussels.info/architecture)

“

14

And the winner is…Both the public and the expert jury have opted for a user friendly, mobile solution as their favorite innovation. The public prize is awarded to KBC Mobile Banking, a Smartphone solution for fast peer-to-peer payments. The expert jury preferred Digicash by Mpulse.

Public Prize Winner quickly transfer money from your savings to your current account and the problem is solved. You are at a restaurant with a group of friends, going Dutch? No need to swap money between people, just pay the restaurant and each other by SMS. Very easy, fast and without security issues. The base principle of secure access is that the client needs to know something – his access password - and to have something - the secure QR code in his phone.”

The breakthrough of KBC Mobile Banking has already started as per Dirk Cuypers: “No wonder that the first signs of success were already visible. KBC Mobile Banking was launched in October and we already have about 70,000 users, good for nearly 100,000 transactions per week. And growth is expected to be exponential, following the growth in the number of Smartphones: market estimates indicate that within 12 months, 50 to 60 percent of all Belgian people will have a Smartphone. In addition, mobile data traffic is getting cheaper very fast. The millions of users of internet banking will hence rapidly switch to mobile banking solutions. This evolution will be even faster if Belgian banks work together on a market standard for mobile solutions.”

http://www.kbc.be/mobilebanking

“The customer downloads the App on his Smartphone or tablet and enters one time his account- or card number. This

Jury Prize Winner

Digicash: pay mobile –fast and errorless

KBC Mobile Banking: the next step in mobile banking

Dirk Cuypers, Head of Distribution Channels at KBC Belgium, explains how simple KBC Mobile Banking is... You download the application from the KBC website.. This app allows you ‘scash’ with other users of the system: retailers, friends, family, … You only need your mobile device and password to make a payment. No need to carry around cash anymore. You hold the two phones or tablets close to each other so that they can exchange QR codes, and the payment is made. The money is immediately transferred.

In addition the App can be used to make payments to accounts at other banks, to check balance, to follow-up on transactions,… just as an ATM.

Flexible and yet safe

Dirk Cuypers: “We started from the question which service would bring a real added value for our clients. Internet banking can only be used on a PC and is rather cumbersome in usage, credit and debit cards necessitate a whole network of ATM’s. KBC Mobile Banking eliminates these obstacles. You are at the cashier in the supermarket and you don’t have enough money on your account? You

allows the client to pay with his phone in restaurants, bars, shops,… He scans the QR code and enters his pin code. The payment is made immediately; the merchant receives the money directly on his account” according to Mpulse Sales and Marketing Director, Jonathan Prince.

Rosy future for small, mobile payment solutions

Jonathan Prince expects this innovation to surf the wave of mobile payments. “Mobile payment is going to be the economic engine for the 5 to 10 years to come. That is not only a personal belief. There are already worldwide 4 billion credit cards and 5 billion mobile phones. Recent studies estimate mobile payments business at 670 billion dollars by 2015. There is therefore an important need for new solutions for payments over the internet, in shops and of course mobile. Those solutions need to be simple and secure. Digicash does not request the client to disclose any personal information at the location of the payment. We create an ecosystem for banks, card providers, merchants and consumers.”

Boosting economy

This trend is also good to boost the overall economy. “It will generate more payments, which are executed faster and with less error than through internet banking. With our QR code: no errors. And the payment is done in a matter of seconds” indicates Jonathan Prince. “In addition, the solution can handle fidelity programs, rebate vouchers and other direct marketing actions – again fast and without errors. Merchants can link in their CRM systems, while customers only need one card for all retailers.”

http://www.digicash.lu

15

BankShopper.be

Jury Prize Runner-up

Given the overall impressive diversity and high quality of the submitted innovations, the expert jury decided to award their “runner-up”: Bankshopper.be. Bankshopper.be is a Financial Services product comparison website that enables users to compare banking and insurance products, and select the offers that best suit their needs. The website also provides consumers with news about Financial Services products.

http://www.bankshopper.be

16

Press & Buzz Innovation Awards for Financial Services in Belgium & LuxembourgIncreased visibility on Innovation: over 51,000 touch points

Business Opportunity: Position Accenture as a leader in driving an innovation dynamism in Belgium & Luxembourg’s Financial Services

Source: L’Echo and De Tijd

Marketing Solution: A campaign that created awareness and knowledge of Accenture’s innovation awards and its focus on Financial Services and help build a network and dynamism of innovation among large and small players

Tactics: eMails, Social Media (Facebook, Twitter, LinkedIn, YouTube, Slideshare), Microsite, event, press relations, videos, public voting, online and print advertising/advertorials, banners, WOM

Targets: Clients, prospects, wider business community, government, influencers in Financial Services

Campaign Launch: Q2 FY12

Outcome:• 17,000 votes for Top 25 candidates• 216 attendees (many C-levels) to

the Innovation Awards Ceremony in Brussels

• Press coverage in Trends, Kanaal Z & other media (over 10 articles/blogs)

• Multimedia advertising campaign in L’Echo/DeTijd.be (full page advertorial, banners, 10.000+ dossier views)

• Promotion via clients KBC (emails) and BNP Paribas Fortis (terminals)

• Awards Ceremony at the Brussels Stock Exchange (Feb 2, 2012)

• Bell Ceremony at Euronext Stock Exchange (Feb 6, 2012)

• Luxembourg Innovation Awards (May 10, 2012)

Contact for more information: philippe.ruttens@accenture.com

17

François Coupienne PHB Development Partner & Consultant in Mobile Financial Services

Bjorn Cumps Vlerick Leuven Gent Management School Doctor - Senior Researcher

Raphaël Abou Allyum Managing Director

Ignace Combes Vlerick Leuven Gent Management School Chairman Centre for Financial Services

Rudi Collin BNP Paribas Fortis Head of Corporate and Transaction Banking Europe

Presenting our expert juryThe first edition of the Accenture BeLux Innovation Awards for Financial Services can boast on an impressive expert jury. Executive level representatives from the different large BeLux banks and insurers agreed to take seat in the jury panel, together with key people from institutions like FebelFin, SWIFT and from our partners in Belgium and Luxembourg: private equity company Allyum, Association des Banques et Banquiers de Luxembourg, Belgacom, ISPIM, LuxInnovation, NYSE Euronext, PHB Development and Vlerick Leuven Gent Management School. This resulted in an expert jury composed of people with quite different views on innovation, and in very interesting discussions during the two sessions. We therefore want to warmly thank all of our expert jury members for their time and commitment to the discussions, which certainly contributed to the success of this first edition.

Wien De Geyter Febelfin Secretary General

Quinten Fraai ING Belgium General Manager Direct Channels

Cédric Grandjean Belgacom Director Mergers & Acquisitions

Marc Hemmerling Association des Banques et Banquiers du Luxembourg Head of Organization, Technology and Payment Systems

18

Vincent Van Dessel NYSE Euronext Brussels Chairman and CEO of Euronext Brussels and member of the Management Committee of NYSE Euronext

Philippe Van Belle AG Insurance BOO & CIO

Carlo Thill BGL BNP Paribas Chairman of the Management Board and member of the Board of Directors

Jean-Paul Hengen LuxInnovation Luxembourg ICT Cluster Manager

Anne-Laure Mention CRP Henri Tudor - Head of Unit Innovation Economics & Service Valuation ISPIM - Member of the Advisory Board

Daniel Falque (replacement of G. Poffé) KBC CEO KBC’s Belgium Business Unit

Guido Poffé KBC Senior General Manager of Retail & Private Bancassurance Distribution

Konstantin Peric SWIFT Head of Innovation

19

Presenting our partners

Allyum offers corporate finance and private equity services for small and medium sized enterprises (SME). Allyum provides a wide range of tailored Financial Services in the area of IPO, M&A and Fund raising. Allyum has been awarded in 2008 and 2010 as the best IPO House of the Year.

Allyum offered a Business Plan critical review session to the Jury Prize runner-up.

http://www.allyum.com

A selective list of partners has been found willing to support us in the organization of the first Accenture BeLux Innovation Awards for Financial Services. They have done so by providing access to their professional network allowing the identification of potential candidates; by supporting the assessment of the submitted concepts, by offering access to the event venue; and last but not least by providing us with an attractive range of prices for our winners. We therefore also want to extend our appreciation to our partners for having contributed to the success of the Accenture BeLux Innovation Awards.

InSites Consulting is a new style online marketing research agency. InSites Consulting is a company of change agents as they connect marketers and consumers on research communities, help them develop cool brands with the power to stay hot and develop marketing activation which is worth talking about. InSites Consulting helps their clients to let go and delegate real power to consumers, the ultimate key to making better marketing decisions and driving business growth.

InSites offered an inspiring introduction workshop on Conversation Management or on Generation Y to the Jury Prize winner.

http://www.insites.eu

The International Society for Professional Innovation Management (ISPIM) is a worldwide network of researchers, industrialists, consultants and public bodies who share an interest in innovation management. Formed in 1983, ISPIM has 560 members from 55 countries and is the oldest, largest and most active innovation association in Europe.

ISPIM offered free membership for 2012 to the TOP 8 candidates.

http://www.ispim.org

20

NYSE Euronext (NYX) is a leading global operator of financial markets and provider of innovative trading technologies. The company’s exchanges in Europe and the United States trade equities, futures, options, fixed-income and exchange-traded products. With approximately 8,000 listed issues (excluding European Structured Products), NYSE Euronext’s equities markets – the New York Stock Exchange, NYSE Euronext, NYSE Amex, NYSE Alternext and NYSE Arca – represent one third of the world’s equities trading, the most liquidity of any global exchange group. NYSE Euronext also operates NYSE Liffe, one of the leading European derivatives businesses and the world’s second-largest derivatives business by value of trading. The company offers comprehensive commercial technology, connectivity and market data products and services through NYSE Technologies. NYSE Euronext is in the S&P 500 index, and is the only exchange operator in the Fortune 500.

NYSE Euronext gave the winners the opportunity to open the Bell Ceremony of the Brussels Stock Exchange on February 6, 2012.

http://www.nyx.com

Vlerick Leuven Gent Management School is an international academic school of management that aims to make an important contribution to professionalizing management and encouraging entrepreneurship.

The school realizes this mission through rigorous and relevant scientific research and by offering a wide range of high-quality management courses with a specific European dimension. Vlerick Leuven Gent Management School welcomes students, managers and organizations from all over the world.

Vlerick Leuven Gent Management School offered a free position in their Entrepreneurial Innovation Program to the winner of the Public Prize.

http://www.vlerick.com

Technoport is a technology-oriented business incubator that supports entrepreneurs in the validation, implementation and development of their innovative business idea. Technoport does this by providing access to resources that entrepreneurs and small companies typically lack. Since 1998, Technoport has developed experienced management, networks and services to assist and accelerate the growth of promising high potential projects and start-ups in Luxembourg. The mission of Technoport is to support and promote the creation and the development of technological and innovative companies.

Technoport offered a six-month free of charge hosting to the Jury Prize winner and Jury Prize runner-up.

http://www.technoport.lu

21

The candidatesTop 8

In September 2011 KBC announced the launch of Mobile Banking, the Smartphone and tablet application designed to turn the mobile into a real-time support for daily banking across all channels. KBC Mobile Banking is a mobile payment system that allows users to consult their accounts in real-time and wire transfers to other KBC and non-KBC accounts. KBC provides a native app for iOS (tuned for iPhone and iPad) and Android to make secure payments intuitive, fast and convenient by simply tapping the phone which is using fingerprint technology to provide additional security. The application was launched in September, immediately putting the app in the top downloads in iTunes for both iPhone as iPad. November has been around the launch of Scash functionality which allows users of KBC Mobile Banking to perform peer-to-peer transactions to other devices in real-time. Scash leverages QR Scanning technology to create a device-independent, highly secure, real-time mobile p2p payment system.

http://www.kbc.be/mobilebanking

KBC Mobile Banking by KBC

The website Bankshopper.be has as a mission to support customers to compare bank products and to keep them up to date regarding important news and brand-new products on the market place via social networks and newsletters.

http://www.bankshopper.be

Bankshopper.be

Digicash by Mpulse is an easy to use, fast, efficient and convenient mobile payment solution to buyers and merchants.

http://www.digicash.lu

Digicash by Mpulse

Innotribe is an initiative by the company SWIFT to foster collaborative innovation in Financial Services. It is built around a mix of education, new perspectives, collaboration and facilitation brought by strategists, business and technology leaders, trend-setters and trend-watchers.

http://www.innotribe.com

Innotribe by SWIFT

iNUI™ Fly Folder by iNUI™ Studio is the first enterprise level software suite that uses gesture recognition. It offers new ways of interaction and navigation, natural, simple, innovative, fun and intuitive, in a broad content type: Image, Powerpoint, .pdf, video, web (Bing Map, Google Map, Weather, etc). Used as “Information Corner”, it replaces the touch screens. The client moves from a passive to an active state. Do not be just a spectator.

http://www.inui-studio.com

iNUI™ Fly Folder by iNUI™ Studio SA

James by BNP Paribas Fortis is a unique concept in the Belgian market for remote financial advice. A dedicated financial expert is at your service via different modern ways of communication like videoconference, call or e-mail, and is standby available even outside traditional office hours.

James is skilled as a true expert and supported by real-time market information like Bloomberg and Reuters. Not being caught in travel or long meetings, James is organized to contact clients in a very proactive way, and tailored to individual client needs. Not only on investments, but he will also help with other banking affairs in general, thanks to his special access to a team of experts in areas like tax, lending and insurance.

https://www.bnpparibasfortis.be/james

James by BNP Paribas Fortis

22

Zoomit is a free service in Internet Banking that offers a quick and easy way to manage your bills and payments. In addition to help you keep your financial affairs in order, Zoomit allows you to do your bit for the environment.

You get an e-mail when a new bill is available. Your bill looks just like the paper version. You no longer have to type out payments in Internet Banking, as the payment slip is filled in in advance. All it takes is a few clicks to pay any bills you authorize. If necessary, you get an e-mail reminder a few days before the payment deadline, so you save administrative costs and avoid being cut off by service providers due to late payment. All your payments and the related documents are safely stored in your Internet Banking account for easy access. In addition, you can access the information at any time, at home, in the office or when you’re travelling. And thanks to Zoomit you can reduce your consumption of paper, which of course is good for the environment.

http://www.zoomit.be

Zoomit by Isabel SA/NV

Paperless Bank by Bank J. Van Breda & Co is all about supporting the bank end-to-end business processes at any time, any place and as efficiently as possible via the use of electronic identity and mobile devices and without any manual intervention from the Back Office.

http://www.bankvanbreda.be

Paperless Bank by Bank J. Van Breda & Co

23

Concepts 9 – 25 (by alphabetical order)

Assurax is a franchise concept for insurance brokers. A mix of regional exclusivity for the franchisee, well integrated ICT applications and extensive linkage to Verzekeringen.be lets clients choose a balance between online advise and purchase or personal care at one of the Assurax offices.

http://www.assurax.be

ASSURAX by Verzekeringen

CustyBank by Custy is a transactions and portfolio management tool specifically designed for direct/online banks. The tool includes several functions, including current & savings accounts and securities accounts management. Payment system integrates all the latest standards and manages payments fully automatically.

http://www.custy.com

CustyBank by Custy

New technologies are more and more impacting today’s world. With the AXA service mobile car and AXA service mobile household applications, AXA backs its brokers into the digital age thanks to an innovative concept.

Customers with a car or a household insurance at AXA can pre-declare a car or household claim with their iPhone. An easy and practical solution to offer them a complementary service.

http://www.axa.be/iphone/auto/fr/index.html http://www.axa.be/iphone/home/fr/index.html

AXA service mobile car and AXA service mobile household by AXA Belgium

DeepDrill by BNP Paribas Fortis is a software offer materializing the entry of the ‘investment products’ business into the ‘Big Data’ and ‘Data Analytics’ era, inducing major changes in the way business is traditionally conducted. The benefits can be expressed along 3 axes: 1. managing and reducing the regulatory and reputational risks through dynamic adequacy between product risk and investor profile, 2. investment patterns identification, being used as input for new products development and highlighting the areas and products segments where tailored advisory should be delivered to the sales force and 3. paves the way for automated direct tailored marketing, aimed at ultimately increasing customer satisfaction and business volume alike.

DeepDrill by BNP Paribas Fortis

E-Money as a Service by Tunz.com allows companies to offer their own branded e-money services to end users under Tunz technology and license. The solution from Tunz has created new concepts to end users such as group buying, crowd funding, online and physical gift cards and mobile payments (PingPing in Belgium).

http://www.tunz.com

E-Money as a Service by Tunz.com

Monizze provides innovative payment solutions where paper vouchers (tickets,

e-vouchers by Monizze

eXchange2Innovate by BGL BNP Paribas and in collaboration with CRP Henri Tudor, Ernst & Young and ProCompany Eberwein & Partner is a dynamic workshops program which aims at offering the possibility for entrepreneurs to debate and reciprocally enhance sharing of cross-industries’ practices, strategies, processes and technologies to facilitate innovative initiatives.

http://www.exchange2innovate.lu

eXchange2Innovate by BGL BNP Paribas

Fidelsys simplifies the use of paperless solutions such as e-wallet, e-vouchers or gift cards by combining a global solution of marketing tools with the financial world to turn the payment cards into loyalty tools.

http://www.fidelsys.com

Fidelsys by Fidelsys SA

Funds For Good (FFG) is active in finance, introducing high quality asset managers (AM) to professional investors (banks, insurance companies, pension funds, family offices). Funds For Good has a unique business model : its objective is to maximize profits in order to share 50% with philanthropy.

http://www.fundsforgood.eu

Funds For Good

coupons, meal/eco/services cheques) get digitalized into E-vouchers.

http://www.monizze.be

24

In Europe, customers buy the same products in the same currency but use different payment methods. Hipay by HPME is an e-wallet that offers local and international options to provide many advantages for the end users and the merchants.

http://www.hipay.com

Hipay by HPME

Payfair@2.0 by European Payment Solutions NV

Intix Message Manager by INTIX enables financial institutions to have a single window to make searching and reporting across multiple information silos and systems possible in an easy and cost-efficient way. The solution is channel-agnostic and handles all messaging formats while presenting data in aggregated dashboard views. The solution is mainly focusing on users in the context of regulatory reporting, business intelligence and searching and reporting on (long term) messaging archives.

http://www.intix.eu

Intix Message Manager by INTIX

Luxembourg Fund Monitor by Trendiction SA

Make an Appointment by ING guarantees 24/7 access to a portal that allows ING clients to make an appointment online with the branch employees of their choice in no more than four steps. Thanks to the unique features of ING Belgium’s online appointment tool, the client is offered the possibility, via his personal computer or by using his mobile phone or tablet, to book a meeting slot directly into the agenda of the appropriate branch employee specifying the theme, date and time.

By doing so, Make an Appointment truly fits into ING Belgium’s strategy as Belgium’s first universal direct bank: while browsing through one of ING’s online channels, the customer can choose at any time to complement the online self-service with a highly personalized service at the branch in a couple of clicks. The client never suspects the underlying complexity of the tool (architecture, databases, etc.): the appealing and easy-to-use interface guides the client through a logic four-step flow.

http://www.ing.be/afspraak http://www.ing.be/rendezvous http://www.ing.be/appointment

Make an Appointment by ING Belgium

SeeZam provides a unique virtual safe (e-Vault), guaranteeing the full confidentiality of information and works by depositing data in a “safe” and allowing secure exchange between two account (i.e. virtual safe) owners.

http://seezampro.com

SeeZam by SeeZam S.A

SQR specializes in hardware security for datacenters with the mission to develop the next platform of cloud security solutions by exploiting the laws of quantum physics.

http://www.sqrtech.com

SQR Tech by SQR Technologies

WealthExpert by Gambit Financial Solutions

The Luxembourg Fund Monitor by Trendiction collects and visualizes all the relevant information that is published online and in social news on the funds industry in Luxembourg. It allows - to monitor the latest news and views on the Luxembourg funds industry - to search trends in the international investment fund environment - to follow key people, companies and associations and to track legal and regulatory developments worldwide.

http://www.trendiction.com

payfair@2.0 by European Payment Solutions NV is a secure authentication method combining an encrypted sound authentication via mobile devices and a classic pin code to tackle the fraud issue and its expensive consequences and to increase customers’ and merchants’ confidence.

http://www.payfair.eu

WealthExpert by Gambit Financial Solutions is an Investment Advisory solution that uses questionnaires, guided dialogue and mathematical methods to support investors risk profiling, portfolio management and wealth management services for various segments of financial institutions private clients.

http://www.gambit-finance.com

25

3SKey by SWIFT is a multi-bank and multi-channel solution for electronic signature and strong authentication. Unlike traditional signature solutions, 3SKey ensures global interoperability between banks and their corporate clients, maintaining the bank independence on its own KYC (Know Your Customer) processes during registration.

http://www.swift.com/products/3skey

3SKey by SWIFT

Adlogix is a digital advertising resource management solution for premium publishers. It helps its clients to maximize their premium digital advertising revenue and to minimize their operational costs by providing them a process facilitation and optimization software solution.

http://www.adlogix.eu

Adlogix.eu by Adlogix

Advia.be combines E-invoicing and E-Credit Management services in order to deliver the invoices to the debtor and getting them paid. Real-time and online professional intervention possibilities are foreseen. Advia.be provides advantages for both creditor and debtor by using multiple innovative techniques such as Zoomit, Finvoice, XML, etc.: it is easy to use, involves no heavy investments nor software adaptations, is highly cost-efficient, and on the top of it, it has a green image.

http://www.advia.be

Advia.be by Advia

Concepts 26 – 98 (by alphabetical order)

Application smooth reception methodology by Rever allows a smooth reception methodology and tools for computer applications. It allows the end-user to validate each of its business requirements versus the delivered application. This makes it possible to go through a partial and smooth application reception, requirement by requirement. The end user can decide at each moment, after validation, to put a part of the application in production. This is a very

Application smooth reception methodology by REVER

The AMAT Framework by Clear2Pay is a software solution that enables to test automatically mobile applications for validation against pre-defined specifications and industry regulations.

http://www.integri.com

AMAT Framework by Clear2Pay

AlarmTILT by M-PLIFY

AlarmTILT by M-PLIFY is an alert management solution working as Software and Connectivity as a Service. It uses all available communication channels (email, sms, voice, fax, iPhone push, pager, web update, etc.) to quickly and reliably notify and inform crisis management teams, technical staff, management, partners and customers during incidents or disasters.

http://www.alarmtilt.com

B-CEPHAL by Moriset is a powerful, rapidly deployed Business Intelligence engine that helps financial institutions to make rational short term decisions on business cases where data is degraded and where business assumptions are complex.

http://www.moriset.com/?page_id=6

B-CEPHAL by Moriset

ArcoInvoice by Arco Information is a completely automated invoice management solution which purposes are to erase risk of error, to gain time and to increase invoice treatment efficiency.

http://www.arco.be

ArcoInvoice by Arco Information

AG Insurance non-life is positioned as a universal insurer on the Belgian market focusing on a multi-channel distribution strategy (bank & broker), aimed at different market segments (retail and business clients). To differentiate its product offering it applies a strict rule of continuous product innovation, resulting in an innovation every 3 to 6 months in the Retail and/or SME market. In 2008, AG Insurance launched BA Max as a product innovation. BA Max is the only “RC” Car insurance in the market that covers the drivers bodily injuries up to 250,000 EUR even for accidents at fault.

http://www.aginsurance.be/nl/canal/ag/particuliers/bamax1.asp

BA Max by AG Insurance

important decrease of the risks when bringing a new application in production.

http://www.rever.eu

26

BROCOM has as core business the promotion of the insurance broker in the presence of the other distribution channels (bank, direct, agents …). In former days BROCOM always referred to the “BROCOM-broker”, which led to differentiation within the channel.

2/3 of all Belgian active professional brokers are members of BROCOM. Therefore, within BROCOM, a next step in positioning this profession forced itself. By conducting promotion for the profession itself, without reference to the organization BROCOM, and this with a new and refreshing logo. The identification campaign is the ideal starting point in indicating to the consumer, in a permanent manner, where to get independent and professional advice in insurance matters. Every partner can put a signage of the new logo at

Brand a profession by BROCOM

BeCommerce is the Belgian association for companies active in online and offline distance selling. They encourage the growth of the E-commerce sector through awareness raising, information, promotion and certification of E-commerce sites via a quality label and a code of conduct.

http://www.BeCommerce.be

BeCommerce

BPO by Crefius NV is an all-in-one BPO solution for strategic mortgage lending program, from the initial business case through set up and implementation.

http://www.crefius.com

BPO by Crefius NV

OpenERP is an open source ERP software. It offers a comprehensive suite of business applications that can be used both online and on-site.

http://openerp.com

Business suite of applications by OpenERP S.A

CapitAnt organizes professional seminars, workshops, debates and more with the aim to educate and involve students in the financial market world.

http://www.capitant.be

CapitAnt

Cleva is an insurance application for the management of clients, policies and claims provided by the French software vendor ITN. Mercator uses Cleva as its back office system and makes use of a service-oriented architecture. This allows different systems to communicate with the back office through the use of the services.

Cleva by Mercator

his office with “signature-slogan”: “Your broker - Your best Insurance”.

http://www.makelaarinverzekeringen.be http://www.courtierenassurances.be http://www.maklerinversicherungen.be

Business Semantics Glossary by Collibra helps companies to define what their data means for their business, involving all stakeholders. It manages to improve responsibility, ownership, and interoperability and aligns business and technical users.

http://www.collibra.com

Collibra Business Semantics Glossary by Collibra NV/SA

Creative Equity is a start-up specialized in Impact Finance. Their aim is to solve social challenges while generating financial profit. Through its business model Creative Equity provides investors on both requirements.

Creative Equity

ColibriCard

Colibricard is a financial platform and end user product where prepaid payment cards are issued by using the Mastercard backbone for acceptance.

http://www.colibricard.be

Consolidation Platform for Wealth Management by Wealth@Work

Wealth@Work intends to deliver to the Family Offices and External Asset Managers a unique neutral and cost-effective consolidation platform for wealth management using a SaaS model.

http://www.wealthatwork.lu

ErgoSuite by Netway integrates scientific behavioral knowledge with classical website/application design best practices to generate the expected return on investment. The tool allows to predict the non-conscious efforts of a user during the design phase of a website/application.

http://www.netway.eu

ErgoSuite by Netway SA

27

Evolan Originator by Sopra Group is part of the Evolan Banking Suite. It is an electronic platform used to distribute complex financial products across multiple channels, providing optimal efficiency and supporting all processes of each stakeholder involved.

http://www.evolan.com

Evolan Originator by Sopra Group

Excentive Compensation Cockpit by Excentive International is a software solution that covers all parts of Compensation Management in a financial institution in order to attract, motivate and retain the best employees, dealers and agents.

http://www.excentive.fr

Excentive Compensation Cockpit by Excentive International

Eye Tracking Tool for Customer Interaction Optimization by ROGIL RESEARCH NV

Eye Tracking Tool for Customer Interaction Optimization by ROGIL RESEARCH NV is an eye movement registration tool that analyzes the customers behavior when interacting with service providers such as banks or retailers. The tool helps its clients to guide their strategy by identifying a comprehensive list of drivers (i.e. percentage of promotions…) and the relative impact of each driver on the customer behavior to optimize investment and leverage communication to maximize gains.

http://www.rogil.eu

FAST-Finance by e-Kenz S.A.

FAST-Finance by e-Kenz is a solution to manage a company financials and cost accounting. This SAP Business All-in-One solution is based on best practices, available in a few days. The concept is perfectly fitted to the needs of SMEs that quickly want to start their business.

http://www.e-kenz.com

Gapra by Fisk Consulting is an application designed for the banks market risk department or other organizations with a trading function. It allows analysts to import, analyze, correct, comment upon, validate and report the daily results of the trading floor for internal and regulatory purposes.

http://www.gapra.be

Gapra by Fisk Consulting gcv

HomeSend by Belgacom International Carrier Services S.A. (BICS S.A.) is a global hubbing service that enables cross-border and cross-network person-to-person transfers.

http://www.homesend.com

HomeSend by Belgacom International Carrier Services S.A. (BICS S.A.)

Getyoo offers NFC-based interactive experiences and smart solutions (Mobile Payment, Networking, Information retrieval, …) aimed at facilitating exchanges between the real world and the virtual universe by interconnecting objects, people, social networks and the Web via a single device.

http://www.getyoo.com

Getyoo

ID PAY by Loyaltek uses the Belgian electronic identity card as a mean of payment to be used in payment terminals. By linking the eID card to one or more accounts, it is possible to pay without any additional card. On the merchant side, it allows to automatically identify the customer and to create and easily maintain a customers’ database.

http://www.idpay.be

ID PAY by Loyaltek

Intelligent Invoice Processing by Dynatos focuses on the area of incoming invoice processing to provide a full automation of paper and electronic invoices flow. It thus minimizes the time and money spent on handling all types of invoices.

http://www.dynatos.be

Intelligent Invoice Processing by Dynatos

28

Intrum Web by Intrum Justitia is an online tool allowing the customers to easily deal with unpaid invoices, credit management process and the different parties involved : debtor, creditor and Intrum Justitia.

http://www.intrumweb.com

Intrum Web by Intrum Justitia

IntelliStamp by Inventive Designers tries to bridge the gap between electronic signature and paper-dependent business processes by providing a hybrid signature that can be used to sign electronic documents, but that also has a visual extension – a stamp.

http://www.inventivedesigners.com/products/intellistamp

IntelliStamp by Inventive Designers NV

Isiwis technology enables companies to control their collaborative environment in which they electronically manage and share documentation. It is a single secure environment for an organization’s valuable and confidential documents, improving efficiency and compliance, mitigating operational risk, and facilitating collaboration with internal and external parties around the globe via SaaS technology.

http://www.isiwis.com

ISIWIS

Jump by BNP Paribas Fortis is an innovative idea management system. Jump uses a collaborative approach to share the evaluation workload over a large population. Anyone with an idea can post it, and other users will be asked to review it. Everyone has a role on Jump!

For each idea, Jump selects 50 users (experts) based on their declared competences. In order to increase its efficiency, Jump guarantees anonymity all along the process, for innovators and for experts.

The main benefit of Jump is to filter innovative ideas, so the Innovation Committee receives only high potential ones.

In this condition, the Innovation Committee can spend more time to select innovations that will be completed and sometimes also funded.

Jump by BNP Paribas Fortis

Kadoz by Loyaltek is a tailor-made payment scheme which purpose is to be used as a thematic or geographic closed-loop gift card to allow many different small players to join together to offer a wide range of choices.

http://www.kadoz.be

KADOZ by Loyaltek

Today, the financial industry recognizes how important it is to know about the customers (KYC). The Kynox Client Data & Relationship Management Suite by Jiway allows the organizations to make clients feel that each of them is a unique and privileged customer. Kynox manages clients, but as well prospects, together with all participants having a role in the root structure (Account holder, POA, beneficial owner...).

http://www.jiway.lu

Kynox – Client Data & Relation-ship Management by Jiway S.A.

MiddleOffice Control™ by Alsego is an intuitive and user-friendly Automated Portfolio Consolidation & Management software solution for Private Wealth Managers, Asset Managers and Family Offices.

http://www.alsego.com/moc

MiddleOffice Control™ by AlSego S.A.

Lynx Wereldwijd Beleggen by Lynx

Lynx Wereldwijd Beleggen by Lynx provides a multi-channel trading platform along with its trading tools at a very low cost, giving access to more than 80 markets to its customers.

http://www.lynx.be

29

Being the first large Belgian bank, BNP Paribas Fortis launched Mobile banking in October 2010 to offer their clients a new and convenient way to operate their daily financials. The focus was put on combining basic clients needs (account balance, transaction history, money transfer) with the unique user experience of a Smartphone and with a new type of security using the SMS. This breakthrough was especially remarkable by its tough combination of (a) leveraging existing platforms to build a brand new experience in a quick time-to-market project and (b) a launch supported by a uniquely broad multimedia campaign, combining traditional street marketing with social marketing using Facebook, QR codes, YouTube, and a social “Where is Fred”-game.

http://www.bnpparibasfortis.be/mobilebanking

Mobile banking by BNP Paribas Fortis

Mobey

Mobey is a free for consumers brand-new mobile solution which provides a full range of integrated mobile services: 1. Quickly pay in most local stores, bars and restaurants, 2. Securely pay online and pay invoices in few seconds, 3. Send and receive money from another client, 4. Credit their loyalty programs and use coupons automatically during the payment process, 5. Buy eTickets for public transports, cinemas, …

http://www.mobey.net

MobileXpense’s End-to-End Expense Management solution is a fully-integrated, web-based travel and expense management solution that helps customers to take out unnecessary administration from their business processes and to achieve costs savings efficiently.

http://www.mobilexpense.com

MobileXpense End-to-End Expense Management by MobileXpense SA/NV

Many businessmen feel that internet is a mess and that the press is no longer doing its job. MyOfficialStory has been created in response to this situation: this system allows businessmen to create strong messages and to distribute these messages in a large selection of powerful media: magazines, Google, books,... In the financial industry, MyOfficialStory has helped professionals in the Investment Funds and Private Banking sectors to communicate.

http://www.myofficialstory.com

MyOfficialStory by BGS Crossmedia

Mobile microloans by Ferratum Belgium BVBA

Ferratum Belgium provides Mobile microloans: loans up to 200€ for a period of 15 or 30 days which can be applied for easily, conveniently and rapidly via Internet or SMS.

http://www.ferratum.be

Learch delivers innovative services in the field of long term numerical archiving with legal value with a new concept referred as AaaS : Archive As A Service.

http://www.learch-archiving.com

Numerical long term archiving with probative value by Learch (Luxembourg eArchiving)

New Claims Operating Model by Allianz Belgium

Allianz New Claims Operating Model is based on a strategy focused on processes efficiency and service level compliance: integrated tools covering the entire value chain (digitalization of claims documents and workflow management, core Claims application for intake, Claims consultation by brokers and claims handlers, …), multiline of business Front Office, specialized Back Office and support/service functions, segmentation of Claims files to the right handlers.

New Professional Lending Model by ING Belgium

Within the vision of ING “Direct if possible, advice when needed” ING Business credit Center (BcC) provides professional loans to Retail Professional clients.

With ING’s New Professional Lending Model, the client/prospect can introduce easily his demand through multiple channels. Depending on individual preference and circumstances, the client/prospect can introduce his demand via Click, Call or Face Channel.

Thanks to the centralization of the teams (expertise and experience), uniformity of the processes and introduction of a new credit scoring system (Predefined Limits) to approve the demand, the client/prospect will get a decision within 48 hours.

http://www.ing.be/professional http://www.businesscredit.be

30

Ticketscript’s Online, Mobile and Social media ticketing solution provides events with a plug-and-play ticket shop that enables event organizers to sell tickets and promote events online, through mobile phones and on Facebook.

http://company.ticketscript.com/be

Online, mobile and social media ticketing solution by Ticketscript

LetterGen by BTR Services is a Paperless Banking Solution enabling account managers to do all banking transactions (account opening, credit contracts, ...) on a tablet pc and let the customer sign the documents digitally.

http://www.lettergen.com

Paperless Banking (LetterGen) by BTR Services

PayCento is a payment platform for small casual online transactions. It allows users to pay for digital content using their social identity (Twitter, Facebook, Google+, LinkedIn…).

http://www.paycento.com

Paycento

PingPing by Mobile-For is a mobile micropayments e-wallet enabling any mobile user to pay for his daily expenses through SMS or NFC (Near Field Communication).

http://www.pingping.be

PingPing by Mobile-For

Portfolio Advice gives the client the opportunity to define his investment portfolio and investment objective. BNP Paribas Fortis will provide proactive advice on this portfolio, taking into account the client’s investor profile. Portfolio Advice logic is used in any investment advice (also without contract). When giving advice, BNP Paribas Fortis systematically checks the asset allocation of the client’s portfolio, the risk of the product the client wants to buy and the maximum weight of the product in the portfolio.

https://www.bnpparibasfortis.be/portal/start.asp

Portfolio Advice by BNP Paribas Fortis

PowerBroker Desktops DLP Edition by BeyondTrust is a powerful data control and monitoring solution to the problem of data privacy and confidentiality in IT infrastructure. PowerBroker Desktops DLP Edition effectively replaces individual security tools, including sensitive file encryption, device and web access control to add value beyond pure Data Leak Protection.

http://www.beyondtrust.com/Products/PowerBroker-Desktops-DLP-Edition

PowerBroker Desktops v3.2, DLP Edition by BeyondTrust (GentleSecurity)

Precious Time™ by Elite Advisers is a fund which aims at generating optimal capital gains over the medium to long term by purchasing, holding and selling rare collectors’ watches.

http://www.eliteadvisers.com

Precious Time by Elite Advisers

PSE Universal VAT by Platinum Europe SA is a module that uses information from almost any ERP solution and calculates and reports information required by Tax Authorities in local format for most European countries.

http://www.pse.be/en/detail46.htm

PSE Universal VAT by Platinum Europe SA

Prepaid Card by BUY WAY Personal Finance

BUY WAY Personal Finance’s Prepaid Card is a non-nominal physical or virtual card allowing payments and cash withdrawals while having the possibility to be reloaded and managed online, making budget management easier.

http://www.buyway.be

31

Risk Partner offers the complete outsourcing of Bank Regulatory Reporting (Reporting as a Service) based on the use of its proprietary software tool RegRisk™.

http://www.riskpartner.lu

Reporting as a Service by Risk Partner

The Regify service protects messages from unauthorized access, renders e-mails trusted and binding, thereby providing security and trust in business communication.

http://www.regify.com

Reacfin is a consulting firm that gives highly technical advices and creates world market best practices to financial institutions (banks, insurance and reinsurance companies, pension funds, public sector, industries) in integrated risk management.

http://www.reacfin.com

Regify by Regify S.A.

Reacfin by Reacfin SA

Return on Asset by WARRANT is a solution allowing companies to pledge their inventory in favor of a financial institution in order to give more oxygen to their cash flows.

http://www.warrant.be

Return on Asset by WARRANT NV SA

RiskAssessment by CDDS International is a new concept of solutions which offers a complete Anti-Money Laundering (AML) tool available in different versions answering the different budgets. RiskAssessment addresses its suite of products for clients of any size, which are compliant with EU AML regulations and international standards.

http://www.cdds.eu

RiskAssessment by CDDS International

Scriptura Engage by Inventive Designers is an innovative concept towards customer communications management. It helps to send the right information at the right time to the right customer.

http://www.inventivedesigners.com/products/scriptura

Scriptura Engage by Inventive Designers NV

Showpad enables users to create a tailored iPad application to present their products / projects and capture customer data through an online CMS platform.

http://www.showpad.com

Showpad

SIICOD Financial Industry Suite by INTELLI+

The SIICOD Financial Industry Suite by Intelli+ offers a complete variety of visualization and analytical tools making possible the timely delivery of intelligence to Financial Institutions to fight efficiently Financial Crime and to ensure strict compliance to regulations.

http://www.intelli-plus.eu

Solfia by BSB

Solfia by BSB offers to IFAs, family offices, private bankers and insurance companies an independent powerful portfolio management platform in a pay-as-you-go model. In addition, Solfia provides middle office services linked to the platform in order to consolidate own and client assets across multiple custodians.

http://www.solfia.com

Startin’ Finance by BGL BNP Paribas

Startin’ Finance by BGL BNP Paribas is a program which aims at providing effective support for young clients as they take their first steps towards financial independence. It is dedicated to secondary-school students and includes presentations by a BGL BNP Paribas member, guided tours of the bank premises (e.g. Treasury desk), lessons, workshops and seminars.

http://www.bgl.lu

TaDaweb

TaDaweb is a web data structuring, analytics and comparison solution which enables its users to extract, manipulate and output their web data anywhere (Excel, PDF, iPhone, Twitter…) in a structured and visually attractive way.

http://www.TaDaweb.com

32

Tax Shelter Premium offer by SCOPE Invest is a financial product guaranteeing a minimum after-tax nominal return of 15%. It is aimed for Belgian private companies and is based on the “Tax Shelter “ law that allows private companies to invest their taxable profits in the film industry.

http://www.scopeinvest.be

Tax Shelter Premium by SCOPE Invest

Thaler Wealth Management in SaaS mode by Callataÿ & Wouters is a hosted solution for multi-channel distribution and core banking that frees private banks from the constraints imposed by system migrations, maintenance and implementations of new software versions.

http://www.cw-thaler.com/content/thaler/private-wealth-management/sourcing-options

Thaler Wealth Management in SaaS mode by Callataÿ & Wouters

Today’s Systems by Today’s Groep allows to monitor trading systems 24/7 for third parties and to execute automated trading while letting a part of control to the customer.

http://www.todaysgroep.nl

Today’s Systems (Systemshop) by Today’s Groep

TrustBuilder by SecurIT is an Enterprise Security Services solution for the financial sector that provides both Versatile authentication services and Transaction Signing and Validation services.

http://www.securit.biz

TrustBuilder by SecurIT

Verzekeringen.be (/Assurances.be) is an online platform that allows people to compare insurance policies, calculate premiums and purchase online, for all kinds of insurance.

http://www.verzekeringen.be

Verzekeringen.be by Verzekeringen NV

VitalBriefing S.A. is a new, Luxembourg-based, B2B offering. It offers personalized Briefings for financial executives, staff and clients. VitalBriefing offers a constantly-updated portfolio of personalized, digital summaries on all financial industry topics. The newsletters are produced via content aggregation using new, semantic search technology, and prepared for delivery by expert human curators: the best information aggregated, filtered, summarized and ultimately delivered.

http://www.vitalbriefing.com

VitalBriefing by VitalBriefing S.A.

Wealth Management Tablet Application by Avaloq Luxembourg intends to provide tools for empowering the client advisor and improving the client experience during the advisory process on a tablet for travelling advisors. Thanks to the seamless integration with the front and back office processes, the bank can bring its research results to its customers in a better way and provide a more efficient service.

http://www.avaloq.com

Wealth Management App by Avaloq Luxembourg Sarl

XchangeHub currency platform by The Hub Brussels allows its members to post service requests and offers to peers and to pay them in two distinct currencies : the Hubees (measure of time for servicing) and the Huney (measure of quality). Aim is to enhance the community benefits for social entrepreneurs and start-ups without relying on Euros.

http://www.xchangehub.criterical.net

XchangeHub by The Hub Brussels

33

Céline Coulange Manager Financial Services Accenture in Belgium

Philippe Ruttens Marketing & Communications Manager Accenture in Belgium and Luxembourg

Pascal Denis Country Managing Director Accenture in Luxembourg

Edle Everaert Senior Executive Financial Services Accenture in Belgium

François-Xavier Guiot Analyst Financial Services Accenture in Belgium

Olivier Gillerot Country Managing Director Accenture in Belgium and Luxembourg

Céline Remy Senior Manager Financial Services Accenture in Luxembourg

Baudouin Thomas Financial Services Lead Accenture in Belgium and Luxembourg

Marie-Laurence Hubin Consultant Financial Services Accenture in Belgium

Cédric Vigneron Analyst Financial Services Accenture in Belgium

The organizing team

Karin Poullier Marketing Events/Relationship Lead Marketing & Communications Accenture in Belgium and Luxembourg

Filip Coertjens Interactive Marketing Specialist Marketing & Communications Accenture in Belgium and Luxembourg

34

Karine Toumazeau Intern Accenture Innovation Awards for Financial Services

Toby Zhang Intern Accenture Innovation Awards for Financial Services

Jihad Bissar Intern Accenture Innovation Awards for Financial Services

Sjoerd Borrius Intern Accenture Innovation Awards for Financial Services

35

Copyright © 2012 Accenture All rights reserved.

Accenture, its logo, and High Performance Delivered are trademarks of Accenture.

About Accenture

Accenture is a global management consulting, technology services and outsourcing company, with more than 246,000 people serving clients in more than 120 countries. Combining unparalleled experience, comprehensive capabilities across all industries and business functions, and extensive research on the world’s most successful companies, Accenture collaborates with clients to help them become high-performance businesses and governments. The company generated net revenues of US$25.5 billion for the fiscal year ended Aug. 31, 2011. Its home page is www.accenture.com.