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Personalise | Automate | Transform
VisionMission | Culture | Approach
Our mission is to change the way people experience and
engage with financial technology by putting automation
and personalisation at the heart of innovation. To
transform the digital customer experience quickly and
affordably.
We believe easy access to finance is as essential as
electricity, water and education. It’s essential for all our
lives to prosper. Creating highly personalised financial
solutions can make an unimagined difference to
everybody, everywhere. From disruptors, entrepreneurs
and start-ups to traditional players and governments.
For us, financial technology is freedom.
Our Mission
What we believe
We believe easy access to finance is as essential as electricity, water and education.
Our Culture
How we think and how we work
Be different.Be brave.Be human.
A company is nothing without the right culture to
deliver a mission.
We think different. Work different. To deliver a
different more innovative approach.
We do this by being brave.
We encourage everyone to be bold in how they
solve things. Not to be afraid. It impacts everything
and everybody. And gives real conviction to
everything we do.
But we must be human. To help transform the lives
of everybody.
SuccessGrowth | Clients | Case Studies
Revenue
in 20195M+ YoY
Growth450% International
Markets20+
Total
Employees100+ International
Offices5 Global
Partners50+
Capital
Raised15M+ Investment
Funds5 Capital
Available500M
Highlights
High level company overview
2Offices in London, Amsterdam,
Vienna, Copenhagen and Bucharest1 40+ Global Clients
Opening New York, Frankfurt, Zurich,
Singapore and Dubai3
Growth
Ready for tomorrow
New markets.New clients. New dreams.
Already, millions of people globally are successfully
consuming hyper-personalised products and services
using FintechOS technology. In only 24 months we’ve
onboarded 40+ clients across the World, have $25bn
under management, and opened offices in London,
Amsterdam, Vienna, Copenhagen and Bucharest.
With plans to expand East and West in 2020. Watch
this space.
Clients
Brands who believe in us
So many brands with so little time.
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2
1
UNIQA
Insurance Group
100% automated digital process.
Customers: 10m
Challenge: UNIQA Group is one of Europe’s the
leading insurance groups serving 10 million customers.
To remain relevant to modern consumers, they had to
transition from manual paper-based quote & bind and
underwriting processes to a 100% automated digital
process that transformed the digital customer
experience.
Solution: Using FintechOS technology, UNIQA
automated and digitised household, motor, travel,
liability insurance with real-time processes and OCR
technology, facilitating BYOD (Bring-Your-Own-Device)
policies as well. Empowering sales agents to subscribe
a policy from any device in a single customer meeting.
100% digital quote & bind and underwriting
70% reduction of sales cycle time
70% reduction in processing time
3
2
1
Hyperion Insurance Group
Global insurance brokers
5 key insurance applications fully automated in 5 months.
Challenge: Hyperion is an international insurance
intermediary group operating across Europe, the Middle
East, Asia Pacific and the Americas. Its brands include
DUAL, Howden, RKH Specialty and RKH Reinsurance. To
reduce operating costs, improve data capture and speed
time to market, RKH needed to digitise existing products
and processes, and accelerate new product delivery.
Solution: Using FintechOS technology, a self-service
framework was implemented to automate workflow and
accelerate the development of powerful E2E insurance
products. Allowing non-technical staff to create, test and
operate powerful omni-channel applications including
customer facing services.8 weeks time to market for
new digital product lines
100% digital user experience
across every channel
3x decrease of underwriting
time due to automation
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4
Getin Holding Group / Idea Bank
End-to-end digital transformation
300% credit portfolio increase.
Assets: €3.3Bn
Staff / Offices: 8,000 employees
Challenge: As a specialist in retail banking, Getin Holding
Group’s challenger bank, Idea Bank, relies on the
development of new technologies to provide cutting-edge
solutions across credit, saving and investment products in a
simple, prompt, personal and transparent way. They needed
to re-shape their customers experience, digitise existing
products and automate operational processes to boost their
growth in the market and gain competitive advantages.
Essential to maintaining their position as a bank of fresh and
simple financial products and services.
Solution: Using FintechOS technology, Idea Bank reshaped
their customer experience and reduced time to money. Open
source, ready-to-deploy apps empowered the bank to drive
digital transformation easily across all lines of business and
enable customers access to powerful, hyper-personalised
journeys and products. Streamlined omni-channel digital
onboarding, loan origination based on automate scoring and
risk analysis, and disbursement processes tailored for each
consumer and SMB customer. The bank transformation was
fueled by our Customer360 and Product engine. All lending
products were launched through digital channels in weeks
not months.
100% digital onboarding
omni-channel solution
300% balance increase
50% increase in productivity
and operational efficiency
99% reduction in ‘time to yes’
for 40% of clients
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4finance / TBI Bank
Next-generation digital lender
100% digital lending B2C and B2B platform.
Customers: 1.4m
Sales Points: 6,500
Challenge: To create next generation digital lending.
Solution: Using FintechOS technology, TBI Bank created
personalised individual and business banking services
offered through any digital channel to its customers. To
deliver a 100% digital lending platform with an exceptional
customer experience whilst maintaining regulatory
compliance. The main focus was enhancement of
customer data, data processing, controls and
technological support of digital processes. Plus a
simplified way to integrate with multiple systems and
vendors. With back-office operations facilitated by
automating KYC and risk profiling to speed up time to
money.
100% digital lending multiple
channel solution
Decrease ‘time to yes’ and ‘time to
money’ : 80% automated in 9 seconds
Paperless process and
operational efficiency
TechnologyPersonalisation | Automation | Transformation
Personalisation
Hyper-personalise digital journeys
Previously complex process like frictionless biometric onboarding can happen anywhere in minutes.
Every day consumers expect more digital
innovation to make managing their lives easier,
simpler, intuitive and more personalised. Netflix,
Amazon, Google, ASOS. They all deliver that
personal experience users crave.
FintechOS technology is helping create the same
digital transformation across financial services. Our
Evolutive Model automates the space between
data and innovative front end interfaces. Enabling
easy, affordable creation of hyper-personalised
journeys.
Empowering traditional players to engage a new
audience. New players to transform the traditional.
And innovators and disruptors to be encouraged
and supported… never held back.
Be that access to investment. Quicker financial
acceptance. Facial recognition. Open banking. All
are made possible on everyday devices like
mobiles, watches and tablets.
Hyper-personalisation at hyper speed is now a
reality.
Automation
Remove the friction from every layer
Unleash the true potential of existing systems to deliver personaliseddigital journeys.
Our highly automated technology, opens the door
for financial services to be consumerized like a
retail service or FMCG.
To do this FintechOS have a hub of 20+ pre-packed
fintech automation processors, 150 pre-integrated
data sources and 50+ open source apps, ready to
go. These APIs and core product business solutions
work with Salesforce, Adobe, Oracle and other
proven tools. Automating this layer with FintechOS
technology delivers intelligent business automation
in weeks, not months or even years.
Customers and financial services of all sizes now
have the freedom to 'cherry-pick' from a limitless
suite of engaging micro-products, at any point and
at any time in a journey. To create unique,
individually tailored experiences. Experiences that
can be easily deployed across ubiquitous everyday
devices like mobile phones, watches and tablets.
Paving the way for unprecedented financial
inclusion and an open financial services market.
Pre-built Apps and Solutions
End-to-end digital transformation
20+ pre-packed fintech automation processors, 150+ pre-integrated data sources and 50+ open source apps.
To create hyper-personalised digital journeys at
speed, automating the layer between data and the
front-end customer experience is key. Our
technology bridges that gap to easily and affordably
create new automation processes for financial
services.
What’s more, our technology doesn’t need to
integrate every piece of data. Instead micro-services
pull in the ’little’ data hidden in the big data both
structured and unstructured. No need for new
people, tech or resources. Unleashing the true
potential of existing systems to deliver hyper-
personalised digital journeys effortlessly.
Systems of Engagement
ChatbotWebsite Mobile
Systems of Intelligence
Systems of Record
Our Approach
Transforming transformation
Changing the technology dogma.
Today, there are still systems of record,
systems of engagement and systems of
intelligence. This is 80’s thinking. The
technology may appear to have improved
but basically, it’s remained unchanged. The
big players have got very complacent but
very rich.
This layered architecture is fundamentally
wrong. There are some big chasm between
the layers for a seamless customer
experience. Because every time you want
data from a different layer you have a break
in process. The systems are all closed to
each other and can’t easily deliver an end-
to-end process in a couple of minutes. It's
all become too complicated, too costly and
too restrictive. And this leads to lack of
innovation.
Our approach and new automation model
changes everything. It makes data the new
core.
CX Chasm
CX Chasm
Website
Mobile / Tablet
API Chatbot
IoT
Transformation, End-to-End
Data, automation, personalisation
Build once deploy on any touchpoint.
DataData
Transformation, End-to-End
Data, automation, personalisation
Data is the new core.
Data
Wealth
Saving Lending
Insurance
Pension
Data
Transformation, End-to-End
Data, automation, personalisation
Data-driven products and services.
Business
Workflows
Automation
Digital
Document
Automation
Cognitive Automation(Computer Vision, Face, Liveness,
Video)
Digital Product
Automation
Core
Business
Automation
Risk Assessment
Automation
Integration
Automation
Scheduled
Jobs Automation
Robotic Process
Automation
Omni-channel
Communication
Automation
Hyper-Personalisation
Automation
Account
Management
Automation
Data
Transformation, End-to-End
Data, automation, personalisation
Orchestrate intelligent fintech automation.
Data
Mobile / Tablet
Omni-channel Communication
Automation
Cognitive Automation(Computer Vision, Face, Liveness,
Video)
Risk Assessment
Automation
Digital Product
Automation
Account Management
Automation
Insurance
Lending
Transformation, End-to-End
Data, automation, personalisation
Digital customer onboarding journey (B2C).
Data
Insurance
Robotic Process Automation
Core Business Automation
Business Workflows Automation
IoT
Transformation, End-to-End
Data, automation, personalisation
IoT insurance claim journey.
FintechOS 20Innovation Studio | App Store
Innovation Studio
Open source, open-minded
Data guys, product managers, devs, underwriters and CX experts. Together.
The Innovation Studio was created to bring together CX managers, digital engineers,
data scientists and product managers in one place. A place with everyone can come
and build and develop new products and services and ideas without being a hamstrung
because they don't know code.
The interface is intuitive, with a friendly very visual drag ’n’ drop approach. Like a
website builder. So, anyone can integrate pre-built apps and solutions, customise
existing ones or create their own. There are no barriers or limitations to how you
architect a digital journey.
App Store
Open source, open-minded
Ready made.Open source.Plug & Play.
Our App Store has over 150 out-of-the-box banking and insurance apps and
MVPs. They’re ready to go. Proven. And easy to integrate and customise.
They’re also all open source. Open to everybody that is open minded.
Democratising technology is one of the fundamental ways of transforming
transformation. It means that you can access ideas from everywhere and
everyone. There are no barriers to innovation, so anyone can develop and
improve solutions faster. Rather than being restricted by closed systems and
dogmatic pricing.
Innovation Studio | App StorEcosystemPartners | Community
Partnership Ecosystem
Global consultancy, services and technology partners
The big players bringing their ‘A’ game to the party.
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Our Community
An ecosystem of ideas
Insights, innovation and shared goals.
If you’re excited about digital automation,
personalisation and transformation, the Community is
your new home. It was created to help build better
experiences for developers, clients and end users.
Where everyone can share everything and anything
about FintechOS technology. Create new ideas and
insights, discuss innovation, expand knowledge and
discover which tech is hot or not. Even the coffee to
drink after 20 hours.
Armed with a Digital Innovation Passport, devs to
techs,
CX to UX, analysts to project managers can explore
the limitless possibilities of our technology. It’s
another reason why all our apps are open-source; to
encourage free thinking and generosity. For anyone
wanting to get officially FintechOS certified there’s the
Academy; a ‘hothouse’ of learning programmes from
our technology experts.
The Community really sums up our culture and
mission.
It’s our way of giving something to the global tech
community that will ultimately benefit everyone,
everywhere.
App Store - Discover a wealth of pre-built
banking and insurance apps and solutions.
Academy - Know nothing about our platform?
The Academy is where you learn and get
officially Certified.
Content - Videos, demos, datasheets, tech
documents, brand assets and more are only a
download away.
Blog - The hottest topics, the coolest tech, the
big industries issues, interviews with
innovators.
Contact
Sales: [email protected]
Marketing & PR: [email protected]
Careers: [email protected]
Offices
30 Churchill Place, Canary Wharf, London, E14 5EU, United Kingdom
Nieuwezijds Voorburgwal 104, 1012 SG Amsterdam, Netherlands
Thomas-Klestil-Platz 13 1030 Wien, Austria
Automatikvej1 3rd floor, 2860 Søborg Copenhagen, Denmark
Oregon Park, Building C, 2nd Floor, 46-48 Pipera Road, 2nd District, Bucharest, Romaniawww.fintechos.com
Contact Us
Only a call, email or WhatsApp away
Any questions,anytime.
Thank youGrazie | Arigato | Merci | Danke | Multumesc