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.

3

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

3

2

1

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

3

2

1

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.

3

2

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4

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: hello@fintechos.com

Marketing & PR: marketing@fintechos.com

Careers: careers@fintechos.com

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