FintechOS help banks and insurance companies to adapt to rapidly changing customer expectations and launch data-driven, hyper-personalised digital products and services with unprecedented speed – in weeks rather than months or years. Our intelligent out-the-box automation systems have helped us deliver rollouts x10 faster and make operating models x5 more cost-effective than traditional IT approaches.

1. Personalise | Automate | Transform

2. Vision
Mission | Culture | Approach

3. 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

4. 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

5. 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

6. Success
Growth | Clients | Case Studies

7. Highlights
High level company overview
Revenue
in 20195M+ YoY
Growth450% International
Markets20+
Total
Employees100+ International
Offices5 Global
Partners50+
Capital
Raised15M+ Investment
Funds5 Capital
Available500M

8. New markets.
New clients.
New dreams.
Growth
Ready 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 Bucharest
1 40+ Global Clients
Opening New York, Frankfurt, Zurich,
Singapore and Dubai
3

9. Clients
Brands who believe in us
So many
brands with
so little time.

10. 3
2
1
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.
UNIQA
Insurance Group
100% automated
digital process.
100% digital quote & bind and underwriting
70% reduction of sales cycle time
70% reduction in processing time

11. 3
2
1
Hyperion Insurance Group
Global 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

12. 3
2
1
4
Getin Holding Group / Idea Bank
End-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

13. 3
2
1
4finance / TBI Bank
Next-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

14. Technology
Personalisation | Automation | Transformation

15. 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

16. 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

17. 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

18. Transformation, End-to-End
Build once
deploy on any
touchpoint.
Data, automation, personalisaton
Website
Mobile / Tablet
API Chatbot
IoT
API

19. Transformation, End-to-End
Data is the
new core.
Data, automation, personalisaton
Data
API
Data

20. Transformation, End-to-End
Data-driven
products and
services.
Data, automation, personalisaton
Data
Wealth
Saving Lending
Insurance
Pension
API
Data

21. Transformation, End-to-End
Orchestrate
intelligent
fintech
automation.
Data, automation, personalisaton
API
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

22. 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 Assessment
Automation
Digital Product
Automation
Account Management
Automation
Insurance
Lending

23. Transformation, End-to-End
IoT insurance claim
journey.
Data, automation, personalisaton
API
Data
Insurance
Robotic Process Automation
Core Business Automation
Business Workflows Automation
IoT

24. FintechOS 20
Innovation Studio | App Store

25. 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.

26. 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.

27. Ecosystem
Partners | Community

28. Partnership Ecosystem
The big players
bringing their
‘A’ game to the
party.
Global consultancy, services and
technology partners

29. Insights,
innovation and
shared goals.
Our Community
An 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.
1
2
3
4

30. Any questions,
anytime.
Contact us
Only a call, email or WhatsApp away
www.fintechos.com
Contact
Sales: hello@fintechos.com
Marketing & PR: marketing@fintechos.com
Careers: careers@fintechos.com
Offices
51 Eastcheap, London, EC3M 1JP, 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, Romania

31. Thank you
Grazie | Arigato | Merci | Danke | Multumesc