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

We believe easy access to finance is as essential as electricity, water and education.

What we believe

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.

Our Culture

Be different.Be brave.Be human.

How we think and how we work

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.

Our Approach

Changing the technology dogma.

Transforming transformation

CX Chasm

CX Chasm

Systems of Engagement

ChatbotWebsite Mobile

Systems of Intelligence

Systems of Record

SuccessGrowth | Clients | Case Studies

HighlightsHigh level company overview

Revenue in 20195M+ YoY

Growth450% InternationalMarkets20+

TotalEmployees100+ International

Offices5 GlobalPartners50+

CapitalRaised15M+ Investment

Funds5 CapitalAvailable500M

New markets.New clients. New dreams.

GrowthReady for tomorrow

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.

2 Offices in London, Amsterdam, Vienna, Copenhagen and Bucharest1 40+ Global Clients Opening New York, Frankfurt, Zurich,

Singapore and Dubai3

ClientsBrands who believe in us

So many brands with so little time.

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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.

UNIQAInsurance Group

100% automated digital process.

100% digital quote & bind and underwriting

70% reduction of sales cycle time

70% reduction in processing time

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Hyperion Insurance GroupGlobal insurance brokers

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.

5 key insurance applications fully automated in 5 months.

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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Getin Holding Group / Idea BankEnd-to-end digital transformation

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.

300% credit portfolio increase.

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 BankNext-generation digital lender

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 B2C and B2B platform.

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

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.

Personalisation

Previously complex process like frictionless biometric onboarding can happen anywhere in minutes.

Hyper-personalise digital 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.

Automation

Unleash the true potential of existing systems to deliver personalised digital journeys.

Remove the friction from every layer

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.

Pre-built Apps and Solutions

20+ pre-packed fintech automation processors, 150+ pre-integrated data sources and 50+ open source apps.

End-to-end digital transformation

Transformation, End-to-End

Build once deploy on any touchpoint.

Data, automation, personalisaton

Website

Mobile / Tablet

API Chatbot

IoT

API

Transformation, End-to-End

Data is the new core.

Data, automation, personalisaton

Data

API

Data

Transformation, End-to-End

Data-driven products and services.

Data, automation, personalisaton

Data

Wealth

Saving Lending

Insurance

Pension

API

Data

Transformation, End-to-End

Orchestrate intelligent fintech automation.

Data, automation, personalisaton

API

Business WorkflowsAutomation

DigitalDocumentAutomation

Cognitive Automation(Computer Vision, Face, Liveness,

Video)

Digital Product Automation

Core Business

Automation

Risk AssessmentAutomation

Integration Automation

Scheduled Jobs Automation

Robotic ProcessAutomation

Omni-channel Communication

Automation

Hyper-Personalisation Automation

Account Management Automation

Data

Transformation, End-to-End

Digital customer onboarding journey (B2C).

Data, automation, personalisaton

API

Data

Mobile / Tablet

Omni-channel Communication Automation

Cognitive Automation(Computer Vision, Face, Liveness, Video)

Risk AssessmentAutomation

Digital Product Automation

Account Management Automation

Insurance

Lending

Transformation, End-to-End

IoT insurance claim journey.

Data, automation, personalisaton

API

Data

Insurance

Robotic Process Automation

Core Business Automation

Business Workflows Automation

IoT

FintechOS 20Innovation Studio | App Store

Innovation StudioOpen 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 StoreOpen 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.

EcosystemPartners | Community

Partnership Ecosystem

The big players bringing their‘A’ game to the party.

Global consultancy, services and technology partners

Insights, innovation and shared goals.

Our CommunityAn ecosystem of ideas

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.

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Any questions,anytime.

Contact usOnly a call, email or WhatsApp away

www.fintechos.com

Contact

Sales: hello@fintechos.comMarketing & PR: marketing@fintechos.comCareers: careers@fintechos.com

Offices

51 Eastcheap, London, EC3M 1JP, United KingdomNieuwezijds Voorburgwal 104, 1012 SG Amsterdam, NetherlandsThomas-Klestil-Platz 13 1030 Wien, AustriaAutomatikvej1 3rd floor, 2860 Søborg Copenhagen, DenmarkOregon Park, Building C, 2nd Floor, 46-48 Pipera Road, 2nd District, Bucharest, Romania

Thank youGrazie | Arigato | Merci | Danke | Multumesc