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How to Apply For Electronic Money Institution License and Payment Institution License In Lithuania

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As a supplier of core payments and transaction engine software, SDK.finance knows what difficulties our customers face in the process of applying for an Electronic Money Institution License and Payment Institution License In Lithuania. Lithuania is home to the fastest-growing fintech sector in the European Union, and the second-fastest growing in Europe, behind only the UK. So we decided to share our experience with you.

According to Lithuanian law (Law on Financial Institutions IX-1068 as of 24th November 2015), the activities of payment service providers and electronic money issuers are regulated and supervised by the Central National Bank (CNB). 

In order to obtain an Electronic money license (EMI license Lithuania), the applicant is required to meet certain criteria (e.g. authorized capital, legal form) and provide the CNB with a set of documents.   

Authorized capital requirement for Electronic Money Institution license is standard for the EU and amounts to 350,000 EUR. The applicant may be required by CNB to confirm the sources of authorized capital.  

For the purpose of obtaining an e-money license Lithuania, a company is obliged to have a bank account for capital deposit and operational needs in Lithuania.

According to our knowledge, the average timeline for obtaining the e-money license: 4-8 months starting from the date of application for an EMI license is submitted by the applicant.

EMI License Requirements

In spite of the similarity of authorization processes for EMI in the EU states, Lithuanian aims to make it a little bit different and more friendly. Before the start of the formal authorization process for EMI and submitting applications, CNB usually encourages applicants to hold preliminary meeting contact to discuss the planning process and help determine financial services that have to be licensed.  

Technically, the process of authorization is pretty standard: submission of an application for an EMI license to the CNB. After that CNB reviews whether all necessary documents have been submitted and, where nothing is missed and no mistakes identified, accepts the application for consideration.  In certain cases, CNB may request applicants to submit additional information or documents.

E-money License Lithuania Cost

When submitting an application for EMI authorization the applicant is required to pay EMI license fee. At the time of this article (March 2020), the amount of fee is 1,463 EUR. 

When submitting an application to CNB the applicant shall provide the following documents and information:   

  • the articles of association; 
  • a program of operations; 
  • a business plan, including a forecast budget for the first 3 financial years which demonstrates that the electronic money institution is able to operate soundly and employs the appropriate internal control systems, procedures, and resources;  
  • the documents demonstrating that the minimum size of the initial capital does not fall below 350,000 EUR; 
  •  a description of the measures taken (or to be taken) according to the requirements of Article 25 of this Law for safeguarding electronic money holders’ funds, and where payment services not relating to electronic money issuance are to be provided — also a description of the measures taken (or to be taken) according to the requirements of the Law on Payment Institutions for safeguarding the funds of payment service users; 
  • a description of the governance arrangements and internal control mechanisms applied (to be applied), including administrative, risk management and accounting procedures demonstrating that such governance arrangements and internal control mechanisms are appropriate, sound and proportionate to the risks taken on; 
  • a description of the internal control mechanisms established (or to be established) in order to comply with obligations in relation to the prevention of money laundering and terrorist financing under the applicable law. 
  • a description of the procedure for monitoring, handling and following up of operational and security incidents and security-related customer complaints; 
  • a description of the procedure to file, monitor, track and restrict access to sensitive payment data; 
  • a description of business continuity processes, with clearly states operations of exceptional significance, effective business continuity plans, procedure of testing and control of adequacy and effectiveness of such plans;  
  • a description of principles and definitions applicable to the collection of the statistical data on performance, transactions, and fraud; 
  • a description of security policies, including a detailed assessment of risks related to the pursued activity, security control, and risk mitigation measures taken to properly protect electronic money holders and/or payment service users from identified risks, including fraud and unauthorized use of sensitive and personal data; 
  • a description of the structural organization, including the intended use of branches, agents, natural or legal persons through which the electronic money institution will distribute and redeem electronic money, or third parties to whom the performance of operating functions will be outsourced, and a description of the obligation to conduct reviews of branches and agents at least once a year, and a description of participation in payment systems; 
  • the data on the basis of which the identity of persons who acquire (hold) qualifying holdings of the authorized capital and/or of the voting rights in the legal person applying for an electronic money institution license; 
  • the identity of the heads (the forename, surname, identification number (where the person has no identification number – the date and place of birth) and documents demonstrating that they meet the requirements of good repute, qualifications, and experience set forth in the applicable law;
  • the identity of the head (heads) of a branch (the person’s forename, surname, identification number (where the person has no identification number – the date and place of birth) where the electronic money issuance and/or provision of payment services is intended to be carried out through a branch established in another Member State in accordance with the procedure set out by the law; 
  • the details of an audit firm or certified auditor (hereinafter – an auditor) who conducts audits independently (hereinafter in this Law an audit firm and an auditor who conducts audits independently collectively referred to as an audit firm) conducting (intending to conduct) an audit, provided that such audit firm or certified auditor meets the requirements of the Law on Financial Institutions and the Law of the Republic of Lithuania on the Audit of Financial Statements; 
  • the documents and data demonstrating that the applicant for the provision of a payment initiation and/or account information service meets the requirements of Article 20 of the Law on Payment Institutions and supporting the amount of professional indemnity insurance or comparable guarantee; 
  •  the head office address.  

Payment Institution License  

The procedure for applying to Electronic Money Institution and Payment Institution licenses Lithuania is pretty much the same. The key differences are:

  1. a) the initial capital requirement
  2. b) license fee. 

The initial capital of a payment institution must at all times be no less than the larger of the following amounts: 

  • at least 20,000 EUR where the payment institution intends to provide only money transfer services; 
  • at least 50,000 EUR where the payment institution intends to execute only payment initiation services;   
  • at least 125,000 EUR where the payment institution intends to provide:  services enabling cash to be placed on a payment account as well as all the operations required for operating a payment account;  services enabling cash withdrawals from a payment account as well as all the operations required for operating a payment account; payment transactions, including transfers of funds on a payment account with the institution of the payment service provider of a payment service user or with the institution of another payment service provider: execution of direct debits, execution of payment transactions through a payment card or a similar device and/or execution of credit transfers, including standing orders;  payment transactions where the funds are covered by a credit line for a payment service user: execution of direct debits, including one-off direct debits, execution of payment transactions through a payment card or a similar device and/or credit transfers, including standing orders; issuing of payment instruments and/or acquiring of payment transactions. 

Prior to applying for a payment institution license, the applicant should pay the license fee which as per March 2020 constitutes 898 EUR. 

More information about the process of Electronic Money Institution and Payment Institution licensing you can find at the website of CNB: www.lb.lt

About SDK.finance 

SDK.finance’s core payments and transaction engine software enable companies to focus on their customers and improve their business during this crisis. Established financial providers can quickly upgrade to the next level of payment software and companies that are developing new products can have an easy start without lengthy and costly in-house development. 

SDK.finance offers Digital Retail Bank, Bank Marketing Automation, Wallet Engine, Event Payments, and Loyalty Program software solutions that enable financial companies to launch their products 10x faster and lower CAPEX by 90%.

Source: https://sdk.finance/e-money-emi-pi-license-lithuania/

AI

Funding wrap: AI-driven Asian fintech closes $400M series D

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It was a diverse week for investment in fintech automations, headlined by the largest-ever funding round targeting AI-driven tech from Asia. Here in the U.S., investors threw their support behind an intelligent document processing technology firm and an altruistic startup aiming to help millennials and others progress toward homeownership. Advance Intelligence Group In the biggest […]

PlatoAi. Web3 Reimagined. Data Intelligence Amplified.
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Source: https://bankautomationnews.com/allposts/retail/funding-wrap-ai-driven-asian-fintech-closes-400m-series-d/

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Fintech

FinovateFall’s Best of Show Goes International

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FinovateFall 2021 wrapped up a little over a week ago. Our return to live fintech conferencing produced one of our largest number of Best of Show winners (nine) to date. The event also gave us the one of the highest percentage of non-U.S. based Best of Show winners for a FinovateFall event.

This week’s Finovate Global Alumni Profile gives us an opportunity to take a closer look at the quartet of international fintechs that wowed our audiences with their latest innovations in New York City last week.


A Finovate alum since 2016, Bambu has made most of its Finovate appearances at our international shows in Hong Kong, South Africa, Dubai, and Berlin. The company is a multiple-time Best of Show winner, earning its first award in its second Finovate appearance at FinovateAsia in 2017, its second Best of Show award a year later at our conference in Capetown, and its third Best of Show trophy just last week in New York.

Bambu offers a next-generation B2B roboadvisory platform for both financial institutions and fintech disruptors. Powered by the company’s proprietary algorithms and machine learning technology, Bambu’s cloud-based platform has 300,000 end users in ten countries around the world. This summer, the company announced the acquisition of investment management technology provider Tradesocio, a move that will help expand Bambu’s reach internationally.

“After five years of building solid foundations, Bambu is now entering a phase of rapid growth,” Bambu CEO Ned Phillips said when the acquisition was announced in July. “This deal helps us in three key areas: it expands our product offering into stocks and crypto, it gives us a wider global footprint, and enables us to scale our team effectively to match exponential demand. We believe this positions us well for our Series C and ambitions of becoming the global leader in WealthTech.”


Headquartered in Stockholm, Sweden, Dreams earned its second Best of Show award last week at FinovateFall. The company, founded in 2014, is among the more recent Finovate alums, joining our roster last year for our all-digital FinovateEurope conference.

Dreams offers engagement banking solutions that leverage insights from cognitive and behavioral science to enhance financial wellbeing. Launched as a B2C offering, the company has expanded into the B2B2C space, offering its solutions to banks to help them boost digital engagement with their customers. This year at FinovateFall, Dreams demonstrated the savings module of its white-label banking platform, which features debt management and micro-investing functionality, as well as new social/viral features.

Over the past year, Dreams has announced partnerships with Singapore-based financial services software provider Silverlake Symmetri and Ukrainian commercial bank UKRSIBBANK, a subsidiary of BNP Paribas Group.

“Our financial wellbeing platform – which is built upon behavioural science and personal finance management principles – will provide the perfect tool for UKRSIBBANK to help its customers make better financial choices and become more sustainable in the way they handle their finances,” Dreams CEO and founder Henrik Rosvall said when the collaboration was announced. “This partnership will also help UKRSIBBANK safeguard the loyalty of its customers and futureproof its digital banking offering against a growing number of challenger banks and fintechs.”


Hailing from Toronto, Ontario, Canada, digital adoption platform Horizn was launched in 2012. The company is dedicated to helping financial institutions leverage micro-learning, social technology, gamification, and advanced analytics to enhance employee performance, fuel client adoption of new technologies, and boost revenues. With a global reach of more than 40 countries in North and South America, Asia, and Europe, the company has enabled its clients to realize 85% employee adoption rates and a 20% increase in mobile platform usage.

Horizn made its Finovate debut in 2017 at FinovateEurope in London. The company earned its first Best of Show honors at FinovateEurope in Berlin three years later, and picked up its second Best of Show award the following year at our all-digital event FinovateFall 2020. “It’s great to see Finovate recognize the impact that Horizn is having on banks worldwide,” company CEO Janice Diner said last year. “While COVID-19 may have accelerated the shift to digital, Horizn ensures bank customers stay digital.”

In addition to their Best of Show winning technology demonstrations, Horizn has also provided Finovate with some of its most compelling keynote speakers. Both Diner and Senior Vice President for Global Sales Steve Frook have shared their insights during the Conference Days component of our Finovate events. Frook’s FinovateEurope presentation, Landing Your First Bank Customer, was a highlight of our Berlin conference last year. And Janice Diner’s epigrammatic reminder that “if you build it they will come is a myth” remains as a good a piece advice for fledgling fintechs as you’ll ever hear.


The rise of fintech in Latin America has been one of the most impressive developments in global financial services in recent years. This is partly why the Best of Show award won by Uruguayan fintech Infocorp last week at FinovateFall feels so special.

Making its Finovate debut in the spring of 2017, Infocorp demonstrated its IC Campaigns platform that enables financial institutions to coordinate marketing and commercial operations via all available channels to better identify the optimal, next action for each client. The technology takes the omnichannel banking and seamless user experience requirements of modern banks to another level by helping institutions set up shorter-cycled, more agile campaigns that deliver increased conversion rates and higher ROI. Last week at FinovateFall, Infocorp introduced its Mobile Native App, a new solution that brings hyper-personalized experiences for every user in a single bank app.

Inforcorp CEO Ana Inés Echavarren spoke to the importance of “the mobile challenge” in a conversation with fintech analyst and thought leader Jim Marous in the weeks leading up to Infocorp’s return to the Finovate stage in September. “Everywhere the mobile channel is the one of choice now among users,” she explained. “Adoptions have gone up in all the implementations that we have in all the countries that we know of. ” As far as Echavarren is concerned, this means that there has been a “mindset shift” in which the mobile experience and the user experience increasingly have become synonymous. To this end, Echavarren said, “we are no longer talking about the bank application, but about the user application.”

Founded in 1994 and headquartered in Montevideo, Infocorp has more than 40 successful deployments, 10+ million active users on its platform, and processes more than 120 million transactions a year.


Here is our look at fintech innovation around the world.

Central and Eastern Europe

Middle East and Northern Africa

Central and Southern Asia

Latin America and the Caribbean

Asia-Pacific

Sub-Saharan Africa


Photo by Andrea Piacquadio from Pexels

PlatoAi. Web3 Reimagined. Data Intelligence Amplified.
Click here to access.

Source: https://finovate.com/finovatefalls-best-of-show-goes-international/

Continue Reading

Fintech

FinovateFall’s Best of Show Goes International

Published

on

FinovateFall 2021 wrapped up a little over a week ago. Our return to live fintech conferencing produced one of our largest number of Best of Show winners (nine) to date. The event also gave us the one of the highest percentage of non-U.S. based Best of Show winners for a FinovateFall event.

This week’s Finovate Global Alumni Profile gives us an opportunity to take a closer look at the quartet of international fintechs that wowed our audiences with their latest innovations in New York City last week.


A Finovate alum since 2016, Bambu has made most of its Finovate appearances at our international shows in Hong Kong, South Africa, Dubai, and Berlin. The company is a multiple-time Best of Show winner, earning its first award in its second Finovate appearance at FinovateAsia in 2017, its second Best of Show award a year later at our conference in Capetown, and its third Best of Show trophy just last week in New York.

Bambu offers a next-generation B2B roboadvisory platform for both financial institutions and fintech disruptors. Powered by the company’s proprietary algorithms and machine learning technology, Bambu’s cloud-based platform has 300,000 end users in ten countries around the world. This summer, the company announced the acquisition of investment management technology provider Tradesocio, a move that will help expand Bambu’s reach internationally.

“After five years of building solid foundations, Bambu is now entering a phase of rapid growth,” Bambu CEO Ned Phillips said when the acquisition was announced in July. “This deal helps us in three key areas: it expands our product offering into stocks and crypto, it gives us a wider global footprint, and enables us to scale our team effectively to match exponential demand. We believe this positions us well for our Series C and ambitions of becoming the global leader in WealthTech.”


Headquartered in Stockholm, Sweden, Dreams earned its second Best of Show award last week at FinovateFall. The company, founded in 2014, is among the more recent Finovate alums, joining our roster last year for our all-digital FinovateEurope conference.

Dreams offers engagement banking solutions that leverage insights from cognitive and behavioral science to enhance financial wellbeing. Launched as a B2C offering, the company has expanded into the B2B2C space, offering its solutions to banks to help them boost digital engagement with their customers. This year at FinovateFall, Dreams demonstrated the savings module of its white-label banking platform, which features debt management and micro-investing functionality, as well as new social/viral features.

Over the past year, Dreams has announced partnerships with Singapore-based financial services software provider Silverlake Symmetri and Ukrainian commercial bank UKRSIBBANK, a subsidiary of BNP Paribas Group.

“Our financial wellbeing platform – which is built upon behavioural science and personal finance management principles – will provide the perfect tool for UKRSIBBANK to help its customers make better financial choices and become more sustainable in the way they handle their finances,” Dreams CEO and founder Henrik Rosvall said when the collaboration was announced. “This partnership will also help UKRSIBBANK safeguard the loyalty of its customers and futureproof its digital banking offering against a growing number of challenger banks and fintechs.”


Hailing from Toronto, Ontario, Canada, digital adoption platform Horizn was launched in 2012. The company is dedicated to helping financial institutions leverage micro-learning, social technology, gamification, and advanced analytics to enhance employee performance, fuel client adoption of new technologies, and boost revenues. With a global reach of more than 40 countries in North and South America, Asia, and Europe, the company has enabled its clients to realize 85% employee adoption rates and a 20% increase in mobile platform usage.

Horizn made its Finovate debut in 2017 at FinovateEurope in London. The company earned its first Best of Show honors at FinovateEurope in Berlin three years later, and picked up its second Best of Show award the following year at our all-digital event FinovateFall 2020. “It’s great to see Finovate recognize the impact that Horizn is having on banks worldwide,” company CEO Janice Diner said last year. “While COVID-19 may have accelerated the shift to digital, Horizn ensures bank customers stay digital.”

In addition to their Best of Show winning technology demonstrations, Horizn has also provided Finovate with some of its most compelling keynote speakers. Both Diner and Senior Vice President for Global Sales Steve Frook have shared their insights during the Conference Days component of our Finovate events. Frook’s FinovateEurope presentation, Landing Your First Bank Customer, was a highlight of our Berlin conference last year. And Janice Diner’s epigrammatic reminder that “if you build it they will come is a myth” remains as a good a piece advice for fledgling fintechs as you’ll ever hear.


The rise of fintech in Latin America has been one of the most impressive developments in global financial services in recent years. This is partly why the Best of Show award won by Uruguayan fintech Infocorp last week at FinovateFall feels so special.

Making its Finovate debut in the spring of 2017, Infocorp demonstrated its IC Campaigns platform that enables financial institutions to coordinate marketing and commercial operations via all available channels to better identify the optimal, next action for each client. The technology takes the omnichannel banking and seamless user experience requirements of modern banks to another level by helping institutions set up shorter-cycled, more agile campaigns that deliver increased conversion rates and higher ROI. Last week at FinovateFall, Infocorp introduced its Mobile Native App, a new solution that brings hyper-personalized experiences for every user in a single bank app.

Inforcorp CEO Ana Inés Echavarren spoke to the importance of “the mobile challenge” in a conversation with fintech analyst and thought leader Jim Marous in the weeks leading up to Infocorp’s return to the Finovate stage in September. “Everywhere the mobile channel is the one of choice now among users,” she explained. “Adoptions have gone up in all the implementations that we have in all the countries that we know of. ” As far as Echavarren is concerned, this means that there has been a “mindset shift” in which the mobile experience and the user experience increasingly have become synonymous. To this end, Echavarren said, “we are no longer talking about the bank application, but about the user application.”

Founded in 1994 and headquartered in Montevideo, Infocorp has more than 40 successful deployments, 10+ million active users on its platform, and processes more than 120 million transactions a year.


Here is our look at fintech innovation around the world.

Central and Eastern Europe

Middle East and Northern Africa

Central and Southern Asia

Latin America and the Caribbean

Asia-Pacific

Sub-Saharan Africa


Photo by Andrea Piacquadio from Pexels

PlatoAi. Web3 Reimagined. Data Intelligence Amplified.
Click here to access.

Source: https://finovate.com/finovatefalls-best-of-show-goes-international/

Continue Reading

Fintech

FinovateFall’s Best of Show Goes International

Published

on

FinovateFall 2021 wrapped up a little over a week ago. Our return to live fintech conferencing produced one of our largest number of Best of Show winners (nine) to date. The event also gave us the one of the highest percentage of non-U.S. based Best of Show winners for a FinovateFall event.

This week’s Finovate Global Alumni Profile gives us an opportunity to take a closer look at the quartet of international fintechs that wowed our audiences with their latest innovations in New York City last week.


A Finovate alum since 2016, Bambu has made most of its Finovate appearances at our international shows in Hong Kong, South Africa, Dubai, and Berlin. The company is a multiple-time Best of Show winner, earning its first award in its second Finovate appearance at FinovateAsia in 2017, its second Best of Show award a year later at our conference in Capetown, and its third Best of Show trophy just last week in New York.

Bambu offers a next-generation B2B roboadvisory platform for both financial institutions and fintech disruptors. Powered by the company’s proprietary algorithms and machine learning technology, Bambu’s cloud-based platform has 300,000 end users in ten countries around the world. This summer, the company announced the acquisition of investment management technology provider Tradesocio, a move that will help expand Bambu’s reach internationally.

“After five years of building solid foundations, Bambu is now entering a phase of rapid growth,” Bambu CEO Ned Phillips said when the acquisition was announced in July. “This deal helps us in three key areas: it expands our product offering into stocks and crypto, it gives us a wider global footprint, and enables us to scale our team effectively to match exponential demand. We believe this positions us well for our Series C and ambitions of becoming the global leader in WealthTech.”


Headquartered in Stockholm, Sweden, Dreams earned its second Best of Show award last week at FinovateFall. The company, founded in 2014, is among the more recent Finovate alums, joining our roster last year for our all-digital FinovateEurope conference.

Dreams offers engagement banking solutions that leverage insights from cognitive and behavioral science to enhance financial wellbeing. Launched as a B2C offering, the company has expanded into the B2B2C space, offering its solutions to banks to help them boost digital engagement with their customers. This year at FinovateFall, Dreams demonstrated the savings module of its white-label banking platform, which features debt management and micro-investing functionality, as well as new social/viral features.

Over the past year, Dreams has announced partnerships with Singapore-based financial services software provider Silverlake Symmetri and Ukrainian commercial bank UKRSIBBANK, a subsidiary of BNP Paribas Group.

“Our financial wellbeing platform – which is built upon behavioural science and personal finance management principles – will provide the perfect tool for UKRSIBBANK to help its customers make better financial choices and become more sustainable in the way they handle their finances,” Dreams CEO and founder Henrik Rosvall said when the collaboration was announced. “This partnership will also help UKRSIBBANK safeguard the loyalty of its customers and futureproof its digital banking offering against a growing number of challenger banks and fintechs.”


Hailing from Toronto, Ontario, Canada, digital adoption platform Horizn was launched in 2012. The company is dedicated to helping financial institutions leverage micro-learning, social technology, gamification, and advanced analytics to enhance employee performance, fuel client adoption of new technologies, and boost revenues. With a global reach of more than 40 countries in North and South America, Asia, and Europe, the company has enabled its clients to realize 85% employee adoption rates and a 20% increase in mobile platform usage.

Horizn made its Finovate debut in 2017 at FinovateEurope in London. The company earned its first Best of Show honors at FinovateEurope in Berlin three years later, and picked up its second Best of Show award the following year at our all-digital event FinovateFall 2020. “It’s great to see Finovate recognize the impact that Horizn is having on banks worldwide,” company CEO Janice Diner said last year. “While COVID-19 may have accelerated the shift to digital, Horizn ensures bank customers stay digital.”

In addition to their Best of Show winning technology demonstrations, Horizn has also provided Finovate with some of its most compelling keynote speakers. Both Diner and Senior Vice President for Global Sales Steve Frook have shared their insights during the Conference Days component of our Finovate events. Frook’s FinovateEurope presentation, Landing Your First Bank Customer, was a highlight of our Berlin conference last year. And Janice Diner’s epigrammatic reminder that “if you build it they will come is a myth” remains as a good a piece advice for fledgling fintechs as you’ll ever hear.


The rise of fintech in Latin America has been one of the most impressive developments in global financial services in recent years. This is partly why the Best of Show award won by Uruguayan fintech Infocorp last week at FinovateFall feels so special.

Making its Finovate debut in the spring of 2017, Infocorp demonstrated its IC Campaigns platform that enables financial institutions to coordinate marketing and commercial operations via all available channels to better identify the optimal, next action for each client. The technology takes the omnichannel banking and seamless user experience requirements of modern banks to another level by helping institutions set up shorter-cycled, more agile campaigns that deliver increased conversion rates and higher ROI. Last week at FinovateFall, Infocorp introduced its Mobile Native App, a new solution that brings hyper-personalized experiences for every user in a single bank app.

Inforcorp CEO Ana Inés Echavarren spoke to the importance of “the mobile challenge” in a conversation with fintech analyst and thought leader Jim Marous in the weeks leading up to Infocorp’s return to the Finovate stage in September. “Everywhere the mobile channel is the one of choice now among users,” she explained. “Adoptions have gone up in all the implementations that we have in all the countries that we know of. ” As far as Echavarren is concerned, this means that there has been a “mindset shift” in which the mobile experience and the user experience increasingly have become synonymous. To this end, Echavarren said, “we are no longer talking about the bank application, but about the user application.”

Founded in 1994 and headquartered in Montevideo, Infocorp has more than 40 successful deployments, 10+ million active users on its platform, and processes more than 120 million transactions a year.


Here is our look at fintech innovation around the world.

Central and Eastern Europe

Middle East and Northern Africa

Central and Southern Asia

Latin America and the Caribbean

Asia-Pacific

Sub-Saharan Africa


Photo by Andrea Piacquadio from Pexels

PlatoAi. Web3 Reimagined. Data Intelligence Amplified.
Click here to access.

Source: https://finovate.com/finovatefalls-best-of-show-goes-international/

Continue Reading
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