1. Accenture BeLux
Innovation Awards
for Financial Services
Edition 2012

3. Preface
The Accenture BeLux Innovation Awards from Belgium. This clearly proves that A significant part of the success of this
for Financial Services 2012, launched by innovation is very much alive and a first edition is due to the support of
Accenture in Belgium and Luxembourg priority within the Financial Services our partners who supported us in the
aim to recognize and reward innovative marketplace in Belgium and Luxembourg. organization and provided the prizes for
concepts brought to market by small the candidates.
and large companies in the Financial With so many innovative concepts to
Services industry. choose from, the expert jury consisting of We would also like to thank the
17 Financial Services industry leaders and Innovation Awards team for putting
With close to 100 innovation cases influencers from Belgium and Luxembourg considerable time and effort into
submitted, 17,000 public votes and certainly had their work cut out. Without organizing the competition.
more than 180 participants invited at their expertise, effort and dedication,
the Awards ceremony in the Brussels the Innovation Awards would not be We hope this report will give you a good
Stock Exchange, this first edition was a so prestigious. We would therefore like overview of innovation in the Financial
real success. to thank all the jury members for their Services industry and inspire you to
participation and contributions. innovate to achieve high performance.
From the 100 entries, almost twenty
percent came from large organizations The three winners of the 2012 edition are With these Awards, we have created new
and the remaining eighty percent from Digicash (Jury Prize), KBC Mobile Banking dynamism to promote innovation within
small and medium sized organizations. (Public Prize) and Bankshopper.be the Financial Services marketplace.
Thirty percent of the cases were from (Jury Prize Runner-up).
Luxembourg and seventy percent
Baudouin Thomas
Financial Services Lead
Accenture in Belgium and Luxembourg
Olivier Gillerot
Country Managing Director
Accenture in Belgium and Luxembourg
3

5. Table of Contents
Innovation in Financial Services lives! 7
The Origami Butterfly 9
Making the life of the client easier 10
Looking back at the event 12
And the winner is… 15
Press & Buzz 17
Presenting our expert jury 18
Presenting our partners 20
The candidates 22
The organizing team 34
About Accenture 36
5

7. Innovation in Financial Services lives!
The Financial Services industry is going through rough times. It continues to draw negative
headlines in newspapers and on television. Banks are struggling to cope with the impact of the
financial crisis. However, at the same time, in the background, innovative ideas are born. They
are nurtured in a protective cocoon to grow into impressive butterflies, promising to constitute
the basis for the future recovery of the financial sector.
In order to give these butterflies some additional warmth and encouragement, Accenture
in Belgium and Luxembourg has kicked off the “Accenture BeLux Innovation Awards for
Financial Services”. The first edition of this initiative has attracted a lot of attention and
hence confirmed the interest in and potential for innovation in the BeLux financial sector. It
has clearly succeeded in its objective to boost the dynamic around innovation, and to bring
together the different stakeholders in a constructive discussion. The dots have been connected!
Impressive list of diverse •• An important part of the applications •• Also the Financial Services sector
focuses on innovating the way banks continues to develop its offering to
candidates and insurers interact with their clients. clients by adding some new, innovative
The first edition of the Accenture BeLux Leveraging on internet and mobile products to its menu.
Innovation Awards can count on a list of devices, advisory, sales and transaction
initiation continue to move away from •• And finally, the multiple mono and
candidates which is impressive both in its cross-company ideation, training and
sheer size as well as in its level of quality the traditional “brick” channels. In
addition, new technologies like gesture information sharing platforms confirm
and diversity. the sector interest in innovation; and
control and eye tracking open up new
horizons for the future. the fact that innovation thrives when
With 98 subscriptions the cape of a 100
embedded in a broader ecosystem.
candidates is as good as rounded. The vast
• Secure access and protection of data
majority of those nearly 100 candidates
is inherently important for Financial
is composed of small and often very
Services, and hence also a domain
young companies. At the same time the
where significant innovations are
mature market players have demonstrated
observed. Also here technological
that they also have a role to play in the
evolutions allow for further progress,
innovation debate by accounting for
for example by encrypting data using
20% of the candidates. With 70% of the
quantum physics.
candidates coming out of Belgium, and
30% out of Luxembourg, the geographical •• Tools to gather and analyse client
diversity was also ensured. information are getting more
advanced than ever and result in a
An even bigger variety is found better understanding of client needs.
when looking at the content of the In its turn, this customer insight
submitted concepts, underlining the allows for a further alignment of
fact that innovation is hard to capture products, services, channels,…
in one definition.
7

8. Intensive discussions during (www.youtube.com/accenturebelux), To be continued
including the movie presenting the
expert jury sessions Opening Bell Ceremony of the Brussels With the Innovation Awards, Accenture
The large choice of high quality and Stock Exchange by the two winners of BeLux aims to trigger a dynamic
diverse candidates presented to the expert the contest. Available videos have been interaction around innovation, motivating
jury resulted in the impressive challenge viewed over 8,000 times. everyone involved to keep searching for
to come up with one winner. new ideas. This edition of the Innovation
This virtual buzz spilled over to the real Awards was hence not a one shot
The expert jury was composed of 17 world and the Accenture Innovation initiative, but an ongoing effort which
members; each one having their own Awards popped up on ATM’s and in client will be continued in the years to come.
background and hence their own view on communications. It became a frequent We therefore invite anyone who has an
innovation. Experts from the large banks topic for discussions on the work floor of innovative and viable idea to contact us
and insurance companies in Belgium and more than one company. and to enter next year’s competition…
Luxembourg were supplemented with This attention came out onto an Note: You can contact us via e-mail to
representatives from NYSE Euronext, impressive 17,000 votes on the Accenture fs-innovation-awards@accenture.com
Febelfin, SWIFT, Belgacom, private equity BeLux Innovation Awards webpage; and
investor Allyum, PHB Development, encouraged about 200 Financial Services
Association des Banques et Banquiers de professionals to defy the cold and to
Luxembourg, LuxInnovation, ISPIM attend the closing ceremony on February
and the Vlerick Leuven Gent 2, 2012 at the Brussels Stock Exchange.
Management School.
Finally, the first edition of the Accenture
They were brought together in two jury BeLux Innovation Awards for Financial
sessions. A first session to confirm the Services has received extensive bandwidth
proposed list of the top 25 candidates in the different media. The close
which entered the public voting collaboration with MediaFin for the on-
competition, and to select the expert line file on innovation in financial services
jury short list of eight candidates. The and the coverage of the closing event
second session allowed the expert jury have resulted in continuous attention in
to interview each of those eight before De Tijd and L’Echo. This attention was
agreeing on the final winner. The long picked up by other media, resulting in
and heated debates did not result in an the press coverage detailed in the section
award winner only, but also lead to some “Press & Buzz” of this report.
new ideas to combine and leverage the
presented candidates.
Active collaboration with
Extensive visibility in the real selected partners
world and in the virtual world The first edition of the Accenture BeLux
Innovation Awards has been actively
The initiative was followed with supported by a limited number of selected
enthusiastic interest by the traditional partners. Each of them has its role and
media, but even more on electronic reputation in the financial sector, while
forums and platforms. The Accenture having maintained its objectivity and
BeLux Innovation Awards micro site independence from the large and small
(www.accenture.be/innovationawards market players.
/ www.accenture.lu/innovationawards)
set the tone and was quickly followed Their active support in the search
by candidates, partners and media for candidates, the screening and
who published banners, articles and assessment of submitted concepts and
referrals. Social media were leveraged the organization of the closing event
to further spread the word, with active has contributed to the success of this
cover on Twitter, Linked In, Facebook, first edition of the Innovation Awards.
SlideShare and YouTube. The dedicated The prices in goods they offered
Twitter account (www.twitter.com/ (coaching in financial & business
innovationbelux) has so far displayed planning, market research, innovation
630 tweets and counts 214 “Followers”. training, housing, media visibility and
26 videos have been uploaded on the networking… ) will contribute to the
Innovation Awards YouTube page success of our award winners.
8

9. The Origami Butterfly
Accenture BeLux has chosen an Origami The choice of the green color refers
butterfly made out of green paper as to youth, vitality and energy, which
mascot for its Innovation Awards for constitute also the core features of an
Financial Services; since it reflects and innovative enterprise.
promotes the values underlying
the initiative. The origami is made of paper, which
brings us to the essence of the Finance
The butterfly is a symbol of rebirth, World: paper is the raw material for
reinvention and innovation. It embodies the bank notes that allow our economy
the idea of development, transformation to function on a daily basis, and to
and accomplishment: the caterpillar constantly pursue its growth.
evolves, grows wings, and turns into
a beautiful butterfly. This butterfly Finally, in some Asian countries, it is
emerges from its cocoon to show itself customary to give notes folded in origami
to the world, just like a brilliant idea style to wish peace and prosperity. By
leaves a creative mind to surprise and choosing an origami butterfly as symbol
serve the public. for the Accenture Innovation Awards, we
want to wish all our candidates peace
In addition, the butterfly represents the and prosperity, hoping that their concept
major effects an initially small change might turn into a game changing element
can have on the world at large in the for the financial industry.
future. If according to the ‘butterfly
effect’ one butterfly is able to start a
tornado months later and miles further,
then a well thought innovation can
surely grow and develop to reach high
objectives tomorrow.
9

10. Making the life of the client easier
As already mentioned above, innovation comes in different forms and cannot be captured
under one definition. At the same time, some fundamental trends and observations can be
made based on the 98 innovative concepts which were scanned as part of the Accenture
Innovation Awards.
Looking at the evolutions taking place •• By (re-)gaining trust: investing in Key examples include: AMAT
in the BeLux Financial Services sector, it solutions to secure access to online Framework by Clear2Pay, ArcoInvoice
becomes obvious that innovation aims services, to protect client and by Arco Information, CustyBank
to make the life of the client easier, in a transaction data, to avoid by Custy, Intix Message Manager
number of ways: fraudulent transactions or to protect by INTIX,…
•• By further improving the convenience customers’ privacy.
In addition to the technological
of using banking and insurance Key examples include: 3SKey by evolutions as innovation enabler, the
products: making it easier and faster SWIFT, IntelliStamp by Inventive different ideation platforms set up within
for the client to access its bank or Designers NV, payfair@2.0 by one or across multiple companies deserve
insurer, or to make payments, for European Payment Solutions NV, a special mention. They contribute to the
example by leveraging internet and SQR Tech by SQR Technologies, sector innovative dynamic and involve
mobile channels. TrustBuilder by SecurIT,… employees and clients in an active search
Key examples include: AXA service for the innovations of tomorrow.
mobile car and AXA service mobile A key enabler of a lot of these innovative
Key examples of platforms fostering
household by AXA Belgium, Digicash evolutions continues to be technology.
the development of new ideas include
by Mpulse, James by BNP Paribas Continuous technological evolutions
eXchange2Innovate by BGL BNP Paribas,
Fortis, KBC Mobile Banking by act as a true catalyst to keep up the
Innotribe by SWIFT, Jump by BNP Paribas
KBC, Make an Appointment by ING innovation pace, and to ensure the
Fortis, XchangeHub by The Hub Brussels,…
Belgium, Zoomit by Isabel SA/NV,… innovation of tomorrow:
• Enable an in-depth understanding of
•• By increasing transparency: offering
the clients and their needs through
client a clear (online) insight in
advanced data capture across multiple
product characteristics and pricing as
sources, through sophisticated analysis
well as in the status of, for example,
and decision support, and through
transactions. This transparency is
pro-actively making the right
requested and offered by individual
information available at the right time
financial institutions into their own
to the right people.
offering. It is also the domain of
independent companies which can Key examples include: DeepDrill
provide an objective comparison by BNP Paribas Fortis, Paperless
between different companies, hence Bank by Bank J. Van Breda & Co,
supporting customers in their choices. Wealth Management App by Avaloq
Luxembourg Sarl, WealthExpert by
Key examples include: ASSURAX by
Gambit Financial Solutions,…
VERZEKERINGEN, BankShopper.be,
Luxembourg Fund Monitor by • Opening up fully new horizons
Trendiction SA, Verzekeringen.be by which were up to now technically
Verzekeringen NV,… not possible.
•• By raising the relevancy of the banking Key examples include: E-Money as a
and insurance products offered to Service by Tunz.com, Eye Tracking Tool
clients: ensuring a maximal fit of what by ROGIL RESEARCH NV, iNUITM Fly
is offered to the client with what he Folder by iNUITM Studio SA,…
needs; in terms of product content
(e.g. alternative investment solutions), • Improving the internal efficiency,
service model and channels, pricing,… and by doing so enabling to
improve the quality and speed of the
Key examples include: Creative Equity, service offered to clients, enabling
Funds for Good, Precious Time by price reductions,…
Elite Advisers, Tax Shelter Premium by
SCOPE Invest,…
10

11. In addition to the impact the innovations have on the life of the client, concepts can also be classified based on Number of competing
3 concepts per category
their functional content; as is done below starting from the Accenture High Performance Banking model.
Digitalize client Continue evolving mobile technologies & channels Leverage internet to
interaction in the (bank and non-bank solutions): create transparency
traditional branch • Payments, but also other products (insurance, credits) across players 4
network 2 • Transaction initiation, but also advisory and sales 14
Channel Integration & Management Information collection
Further advance integrated
and publishing support
use of different channels
3 Branch Phone ATM Mobile Web for individual companies
and across industry 5
Distribution
Sales, Marketing, Brand Management
Use advanced analytics & • Product innovation
client behavior analysis to leveraging for example
support product development, new fiscal legislation
marketing efforts, channel
design,… 7 • Increase sophistication
Customer Data Product Pricing of IT platforms: tooling
Hub
Aggregation Rules supporting client
interaction and advisory;
portfolio management 13
Important product innovation
leveraging digital technologies Modest product
(for example e-invoicing, Payments Lending Deposits Investment Insurance innovation and
prepaid cards, e-vouchers, & Cash digitalization of client
e-safe) 13 Management interaction 3
Production
Continuous focus on improving: Modest innovation in
products, client interaction
• IT & data security - both processes, and internal
in client interaction (e.g. for IT Risk Human Other efficient solutions 3
transaction initiations) as
Corp.
Management Resources
within the bank
• Automated support for
application development and Out-of-the-box and tailored Actively manage information Software and
testing solutions for risk-related topics exchange between communication tools
like AML, Basel III, Solvency,… as employees and companies, automating different
• Out-of-the-box software well as regulatory reporting 6 especially in support of support functions 3
solutions for small and large innovation process 6
banks 16
11

12. Looking back at the event
About 200 people accepted the personal invitation to join the Accenture Innovation Awards
ceremony on February 2, 2012. Jury members, partners and candidates were joined by an
impressive list of top management representatives of the different key players in the BeLux
financial industry. They all gathered at the historical building of the Belgian Stock Exchange in
the centre of Brussels to discover the final award winners. However, the agenda had more in
store than the winners only.
Some highlights…
The Conversation Manager Benoît Cerexhe, Brussels
by Steven Van Belleghem Minister of Economy,
(InSites Consulting) Employment and R&D
In recent years, the internet has developed Brussels has linked its destiny for an
from a static into a social platform. This important part to the overall wellbeing
development has had a major impact of the financial sector: it is home to an
on the manner in which consumers seek important number of local, regional and
information, communicate and indicate global financial players, continues to
their purchasing intentions. Through a nurture technological evolutions in that
number of concrete examples, Steven industry and hence has nearly 10% of
Van Belleghem has demonstrated how its total employment originated in the
marketers can change the way they financial sector. Together with the rest of
interact with their customers and turn the world; Mr. Cerexhe therefore closely
this trend to their advantage. Becoming a follows the current evolutions of this
‘conversation manager’ who listens to his sector. He strongly believes in the role
customers and actively collaborates with innovation can play in re-establishing
them is the way forward. the trust clients have in their bank and
actively supports any initiative that
promotes innovation – as the Accenture
Financial Services Innovation Awards do.
12

13. Innovation Market
The top 8 candidates were offered the
opportunity to introduce their concept
to the audience during the Innovation
Market, opened during the welcome drink
as well as during the walking dinner
following the ceremony. A computer
screen and a publicity desk were available
to support the promotion of the concepts.
In addition, each of the top 8 candidates
was presented during the ceremony by
mean of a personal short video followed
by a snap interview with the candidate.
Euronext Bell Ceremony
The winners of the Accenture Financial
Services Innovation Awards 2012 were
invited to open the trading day on
February 6. In addition to the honor of
ringing the symbolical bell, Euronext
offered to the winners and top 8
candidates the opportunity to continue
the discussion on innovation with
Euronext staff and to exchange ideas for
the future.
13
13

14. The building
“ The building that houses the Brussels
Stock Exchange does not have a distinct
name, though it is usually called simply
the Bourse. It is located on Boulevard
Anspach, and is the namesake of the
Beursplein/Place de la Bourse, which is,
after the Grand Place, the second most
important square in Brussels.
As part of the covering of the river Senne
for health and aesthetic reasons in the
1860s and 1870s, a massive program
of beautification of the city centre was
undertaken. Architect Léon-Pierre Suys,
as part of his proposal for covering of the
Senne, designed a building to become the
centre of the rapidly expanding business
sector. It was to be located on the former
butter market, (itself situated on the
ruins of the former Recollets Franciscan
convent) on the newly created Anspach
Boulevard (then called
Central Boulevard).
The building was erected from 1868 to
1873, and mixes elements of the
Neo-Renaissance and Second Empire
architectural styles. It has an abundance
of ornaments and sculptures, created by
famous artists, including the brothers
Joseph and Jacques Jacquet, Guillaume
de Groot, French sculptor Albert-Ernest
Carrier-Belleuse and his then-assistant
Auguste Rodin.”1 “The hundreds of
sculptures and bas-relief [constitute]
allegories for Brussels, Freedom of Trade,
Africa and Asia […].”2
1
Source: Wikipedia (http://en.wikipedia.org/wiki/Brussels_Stock_Exchange)
2
Source: Brussels.info (http://www.brussels.info/architecture)
14

15. And the winner is…
Both the public and the expert jury have opted for a user friendly, mobile solution as their
favorite innovation. The public prize is awarded to KBC Mobile Banking, a Smartphone solution
for fast peer-to-peer payments. The expert jury preferred Digicash by Mpulse.
Public Prize Winner quickly transfer money from your savings allows the client to pay with his phone
to your current account and the problem in restaurants, bars, shops,… He scans
is solved. You are at a restaurant with a the QR code and enters his pin code.
group of friends, going Dutch? No need to The payment is made immediately; the
swap money between people, just pay the merchant receives the money directly on
restaurant and each other by SMS. Very his account” according to Mpulse Sales
easy, fast and without security issues. and Marketing Director, Jonathan Prince.
The base principle of secure access is that
the client needs to know something – his Rosy future for small, mobile
access password - and to have something payment solutions
KBC Mobile Banking: the next - the secure QR code in his phone.”
Jonathan Prince expects this innovation
step in mobile banking The breakthrough of KBC Mobile Banking to surf the wave of mobile payments.
has already started as per Dirk Cuypers: “Mobile payment is going to be the
“No wonder that the first signs of success economic engine for the 5 to 10 years to
were already visible. KBC Mobile Banking come. That is not only a personal belief.
was launched in October and we already There are already worldwide 4 billion
have about 70,000 users, good for nearly credit cards and 5 billion mobile phones.
100,000 transactions per week. And Recent studies estimate mobile payments
growth is expected to be exponential, business at 670 billion dollars by 2015.
following the growth in the number There is therefore an important need
of Smartphones: market estimates for new solutions for payments over the
indicate that within 12 months, 50 to 60 internet, in shops and of course mobile.
Dirk Cuypers, Head of Distribution percent of all Belgian people will have Those solutions need to be simple and
Channels at KBC Belgium, explains a Smartphone. In addition, mobile data secure. Digicash does not request the
how simple KBC Mobile Banking is... traffic is getting cheaper very fast. The client to disclose any personal information
You download the application from millions of users of internet banking will at the location of the payment. We create
the KBC website.. This app allows you hence rapidly switch to mobile banking an ecosystem for banks, card providers,
‘scash’ with other users of the system: solutions. This evolution will be even merchants and consumers.”
retailers, friends, family, … You only faster if Belgian banks work together on a
need your mobile device and password market standard for mobile solutions.” Boosting economy
to make a payment. No need to carry
around cash anymore. You hold the two http://www.kbc.be/mobilebanking This trend is also good to boost the
phones or tablets close to each other overall economy. “It will generate more
so that they can exchange QR codes, Jury Prize Winner payments, which are executed faster and
and the payment is made. The money is with less error than through internet
immediately transferred. banking. With our QR code: no errors.
And the payment is done in a matter of
In addition the App can be used to seconds” indicates Jonathan Prince. “In
make payments to accounts at other Digicash: pay mobile –fast addition, the solution can handle fidelity
banks, to check balance, to follow-up on
transactions,… just as an ATM. and errorless programs, rebate vouchers and other
direct marketing actions – again fast and
without errors. Merchants can link in their
Flexible and yet safe CRM systems, while customers only need
Dirk Cuypers: “We started from the one card for all retailers.”
question which service would bring a http://www.digicash.lu
real added value for our clients. Internet
banking can only be used on a PC and is
rather cumbersome in usage, credit and
debit cards necessitate a whole network
of ATM’s. KBC Mobile Banking eliminates
these obstacles. You are at the cashier “The customer downloads the App on
in the supermarket and you don’t have his Smartphone or tablet and enters one
enough money on your account? You time his account- or card number. This
15

16. Jury Prize Runner-up
BankShopper.be
Given the overall impressive diversity and
high quality of the submitted innovations,
the expert jury decided to award their
“runner-up”: Bankshopper.be.
Bankshopper.be is a Financial Services
product comparison website that enables
users to compare banking and insurance
products, and select the offers that best
suit their needs. The website also provides
consumers with news about Financial
Services products.
http://www.bankshopper.be
16

17. Press & Buzz
Innovation Awards for Financial Services in Belgium & Luxembourg
Increased visibility on Innovation: over 51,000 touch points
Tactics: eMails, Social Media (Facebook,
Twitter, LinkedIn, YouTube, Slideshare),
Microsite, event, press relations, videos,
public voting, online and print advertising/
advertorials, banners, WOM
Targets: Clients, prospects, wider business
community, government, influencers in
Financial Services
Campaign Launch: Q2 FY12
Outcome:
• 17,000 votes for Top 25 candidates
• 216 attendees (many C-levels) to
the Innovation Awards Ceremony
in Brussels
• Press coverage in Trends, Kanaal Z &
other media (over 10 articles/blogs)
• Multimedia advertising campaign in
Source: L’Echo and De Tijd L’Echo/DeTijd.be (full page advertorial,
banners, 10.000+ dossier views)
Business Opportunity: Position Accenture Marketing Solution: A campaign that • Promotion via clients KBC (emails) and
as a leader in driving an innovation created awareness and knowledge of BNP Paribas Fortis (terminals)
dynamism in Belgium & Luxembourg’s Accenture’s innovation awards and its • Awards Ceremony at the Brussels
Financial Services focus on Financial Services and help build Stock Exchange (Feb 2, 2012)
a network and dynamism of innovation • Bell Ceremony at Euronext Stock
among large and small players Exchange (Feb 6, 2012)
• Luxembourg Innovation Awards
(May 10, 2012)
Contact for more information:
philippe.ruttens@accenture.com
17

18. Presenting our expert jury
The first edition of the Accenture BeLux Innovation Awards for Financial Services can boast
on an impressive expert jury. Executive level representatives from the different large BeLux
banks and insurers agreed to take seat in the jury panel, together with key people from
institutions like FebelFin, SWIFT and from our partners in Belgium and Luxembourg: private
equity company Allyum, Association des Banques et Banquiers de Luxembourg, Belgacom,
ISPIM, LuxInnovation, NYSE Euronext, PHB Development and Vlerick Leuven Gent Management
School. This resulted in an expert jury composed of people with quite different views on
innovation, and in very interesting discussions during the two sessions. We therefore want
to warmly thank all of our expert jury members for their time and commitment to the
discussions, which certainly contributed to the success of this first edition.
Raphaël Abou Rudi Collin Ignace Combes
Allyum BNP Paribas Fortis Vlerick Leuven Gent Management School
Managing Director Head of Corporate and Transaction Chairman Centre for Financial Services
Banking Europe
François Coupienne Bjorn Cumps Wien De Geyter
PHB Development Vlerick Leuven Gent Management School Febelfin
Partner & Consultant in Mobile Doctor - Senior Researcher Secretary General
Financial Services
Quinten Fraai Cédric Grandjean Marc Hemmerling
ING Belgium Belgacom Association des Banques et Banquiers du
General Manager Direct Channels Director Mergers & Acquisitions Luxembourg
Head of Organization, Technology and
Payment Systems
18

19. Jean-Paul Hengen Anne-Laure Mention Konstantin Peric
LuxInnovation CRP Henri Tudor - Head of Unit SWIFT
Luxembourg ICT Cluster Manager Innovation Economics & Service Valuation Head of Innovation
ISPIM - Member of the Advisory Board
Guido Poffé Daniel Falque (replacement of G. Poffé) Carlo Thill
KBC KBC BGL BNP Paribas
Senior General Manager of Retail & CEO KBC’s Belgium Business Unit Chairman of the Management Board and
Private Bancassurance Distribution member of the Board of Directors
Philippe Van Belle Vincent Van Dessel
AG Insurance NYSE Euronext Brussels
BOO & CIO Chairman and CEO of Euronext Brussels
and member of the Management
Committee of NYSE Euronext
19

20. Presenting our partners
A selective list of partners has been found willing to support us in the organization of the first
Accenture BeLux Innovation Awards for Financial Services. They have done so by providing
access to their professional network allowing the identification of potential candidates; by
supporting the assessment of the submitted concepts, by offering access to the event venue;
and last but not least by providing us with an attractive range of prices for our winners. We
therefore also want to extend our appreciation to our partners for having contributed to the
success of the Accenture BeLux Innovation Awards.
Allyum offers corporate finance and InSites Consulting is a new style online
private equity services for small and marketing research agency. InSites
The International Society for Professional
medium sized enterprises (SME). Allyum Consulting is a company of change agents
Innovation Management (ISPIM) is
provides a wide range of tailored as they connect marketers and consumers
a worldwide network of researchers,
Financial Services in the area of IPO, on research communities, help them
industrialists, consultants and public
M&A and Fund raising. Allyum has been develop cool brands with the power to
bodies who share an interest in innovation
awarded in 2008 and 2010 as the best stay hot and develop marketing activation
management. Formed in 1983, ISPIM has
IPO House of the Year. which is worth talking about. InSites
560 members from 55 countries and is the
Consulting helps their clients to let go
Allyum offered a Business Plan critical oldest, largest and most active innovation
and delegate real power to consumers, the
review session to the Jury Prize runner-up. association in Europe.
ultimate key to making better marketing
decisions and driving business growth. ISPIM offered free membership for 2012
http://www.allyum.com
to the TOP 8 candidates.
InSites offered an inspiring introduction
workshop on Conversation Management or http://www.ispim.org
on Generation Y to the Jury Prize winner.
http://www.insites.eu
20

21. NYSE Euronext (NYX) is a leading global
operator of financial markets and provider
of innovative trading technologies. The
company’s exchanges in Europe and the
Vlerick Leuven Gent Management
United States trade equities, futures,
School is an international academic
options, fixed-income and exchange- Technoport is a technology-oriented school of management that aims to
traded products. With approximately business incubator that supports make an important contribution to
8,000 listed issues (excluding European entrepreneurs in the validation, professionalizing management and
Structured Products), NYSE Euronext’s implementation and development of their encouraging entrepreneurship.
equities markets – the New York Stock innovative business idea. Technoport
Exchange, NYSE Euronext, NYSE Amex, The school realizes this mission through
does this by providing access to resources
NYSE Alternext and NYSE Arca – represent rigorous and relevant scientific research
that entrepreneurs and small companies
one third of the world’s equities trading, and by offering a wide range of high-
typically lack. Since 1998, Technoport
the most liquidity of any global exchange quality management courses with a
has developed experienced management,
group. NYSE Euronext also operates specific European dimension. Vlerick
networks and services to assist and
NYSE Liffe, one of the leading European Leuven Gent Management School
accelerate the growth of promising
derivatives businesses and the world’s welcomes students, managers and
high potential projects and start-ups in
second-largest derivatives business by organizations from all over the world.
Luxembourg. The mission of Technoport
value of trading. The company offers is to support and promote the creation
comprehensive commercial technology, Vlerick Leuven Gent Management
and the development of technological and
connectivity and market data products School offered a free position in their
innovative companies.
and services through NYSE Technologies. Entrepreneurial Innovation Program to the
NYSE Euronext is in the S&P 500 index, Technoport offered a six-month free of winner of the Public Prize.
and is the only exchange operator in the charge hosting to the Jury Prize winner
Fortune 500. and Jury Prize runner-up. http://www.vlerick.com
NYSE Euronext gave the winners the http://www.technoport.lu
opportunity to open the Bell Ceremony of
the Brussels Stock Exchange on
February 6, 2012.
http://www.nyx.com
21

22. The candidates
Top 8
KBC Mobile Banking by KBC Bankshopper.be iNUI™ Fly Folder by iNUI™
Studio SA
The website Bankshopper.be has as a
mission to support customers to compare
bank products and to keep them up
to date regarding important news and
brand-new products on the market place
via social networks and newsletters.
In September 2011 KBC announced
http://www.bankshopper.be iNUI™ Fly Folder by iNUI™ Studio is the
the launch of Mobile Banking, the
Smartphone and tablet application first enterprise level software suite that
designed to turn the mobile into a real- uses gesture recognition. It offers new
time support for daily banking across ways of interaction and navigation,
all channels. KBC Mobile Banking is Innotribe by SWIFT natural, simple, innovative, fun and
a mobile payment system that allows intuitive, in a broad content type: Image,
users to consult their accounts in real- Powerpoint, .pdf, video, web (Bing Map,
time and wire transfers to other KBC Google Map, Weather, etc). Used as
and non-KBC accounts. KBC provides “Information Corner”, it replaces the touch
a native app for iOS (tuned for iPhone screens. The client moves from a passive to
and iPad) and Android to make secure Innotribe is an initiative by the company an active state. Do not be just a spectator.
payments intuitive, fast and convenient SWIFT to foster collaborative innovation
in Financial Services. It is built around http://www.inui-studio.com
by simply tapping the phone which is
using fingerprint technology to provide a mix of education, new perspectives,
additional security. The application was collaboration and facilitation brought
launched in September, immediately by strategists, business and technology
putting the app in the top downloads leaders, trend-setters and trend-watchers. James by BNP Paribas Fortis
in iTunes for both iPhone as iPad. http://www.innotribe.com
November has been around the launch
of Scash functionality which allows
users of KBC Mobile Banking to perform
peer-to-peer transactions to other James by BNP Paribas Fortis is a unique
devices in real-time. Scash leverages QR concept in the Belgian market for remote
Scanning technology to create a device- financial advice. A dedicated financial
independent, highly secure, real-time expert is at your service via different
mobile p2p payment system. modern ways of communication like
http://www.kbc.be/mobilebanking videoconference, call or e-mail, and is
standby available even outside traditional
office hours.
James is skilled as a true expert
Digicash by Mpulse and supported by real-time market
information like Bloomberg and Reuters.
Not being caught in travel or long
meetings, James is organized to contact
clients in a very proactive way, and
Digicash by Mpulse is an easy to use, fast, tailored to individual client needs. Not
efficient and convenient mobile payment only on investments, but he will also
solution to buyers and merchants. help with other banking affairs in
general, thanks to his special access to a
http://www.digicash.lu team of experts in areas like tax, lending
and insurance.
https://www.bnpparibasfortis.be/james
22

23. Paperless Bank by Bank J. Van Zoomit by Isabel SA/NV
Breda & Co
Zoomit is a free service in Internet
Banking that offers a quick and easy way
to manage your bills and payments. In
addition to help you keep your financial
affairs in order, Zoomit allows you to do
your bit for the environment.
Paperless Bank by Bank J. Van Breda &
Co is all about supporting the bank end- You get an e-mail when a new bill is
to-end business processes at any time, available. Your bill looks just like the
any place and as efficiently as possible paper version. You no longer have to type
via the use of electronic identity and out payments in Internet Banking, as the
mobile devices and without any manual payment slip is filled in in advance. All it
intervention from the Back Office. takes is a few clicks to pay any bills you
authorize. If necessary, you get an e-mail
http://www.bankvanbreda.be reminder a few days before the payment
deadline, so you save administrative
costs and avoid being cut off by service
providers due to late payment. All your
payments and the related documents are
safely stored in your Internet Banking
account for easy access. In addition, you
can access the information at any time,
at home, in the office or when you’re
travelling. And thanks to Zoomit you can
reduce your consumption of paper, which
of course is good for the environment.
http://www.zoomit.be
23

24. Concepts 9 – 25 (by alphabetical order) coupons, meal/eco/services cheques) get
digitalized into E-vouchers.
ASSURAX by Verzekeringen DeepDrill by BNP Paribas Fortis http://www.monizze.be
eXchange2Innovate by BGL
Assurax is a franchise concept for
BNP Paribas
insurance brokers. A mix of regional
exclusivity for the franchisee, well
integrated ICT applications and extensive
linkage to Verzekeringen.be lets clients
choose a balance between online advise
and purchase or personal care at one of DeepDrill by BNP Paribas Fortis is a eXchange2Innovate by BGL BNP Paribas
the Assurax offices. software offer materializing the entry and in collaboration with CRP Henri
of the ‘investment products’ business Tudor, Ernst & Young and ProCompany
http://www.assurax.be into the ‘Big Data’ and ‘Data Analytics’ Eberwein & Partner is a dynamic
era, inducing major changes in the way workshops program which aims at
business is traditionally conducted. The offering the possibility for entrepreneurs
AXA service mobile car and benefits can be expressed along 3 axes: to debate and reciprocally enhance
1. managing and reducing the regulatory sharing of cross-industries’ practices,
AXA service mobile household
and reputational risks through dynamic strategies, processes and technologies to
by AXA Belgium adequacy between product risk and facilitate innovative initiatives.
investor profile, 2. investment patterns
identification, being used as input for new http://www.exchange2innovate.lu
products development and highlighting
the areas and products segments where
tailored advisory should be delivered to Fidelsys by Fidelsys SA
the sales force and 3. paves the way for
automated direct tailored marketing,
aimed at ultimately increasing customer
New technologies are more and more satisfaction and business volume alike.
impacting today’s world. With the AXA
service mobile car and AXA service mobile
household applications, AXA backs its E-Money as a Service by Tunz.com Fidelsys simplifies the use of paperless
brokers into the digital age thanks to an solutions such as e-wallet, e-vouchers or
innovative concept. gift cards by combining a global solution
of marketing tools with the financial
Customers with a car or a household world to turn the payment cards into
insurance at AXA can pre-declare a car loyalty tools.
or household claim with their iPhone. An
easy and practical solution to offer them a http://www.fidelsys.com
E-Money as a Service by Tunz.com allows
complementary service. companies to offer their own branded
e-money services to end users under
http://www.axa.be/iphone/auto/fr/index.html Funds For Good
Tunz technology and license. The solution
http://www.axa.be/iphone/home/fr/index.html
from Tunz has created new concepts to
end users such as group buying, crowd
funding, online and physical gift cards and
CustyBank by Custy mobile payments (PingPing in Belgium).
Funds For Good (FFG) is active in finance,
http://www.tunz.com introducing high quality asset managers
(AM) to professional investors (banks,
insurance companies, pension funds,
e-vouchers by Monizze family offices). Funds For Good has a
CustyBank by Custy is a transactions and unique business model : its objective is to
portfolio management tool specifically maximize profits in order to share 50%
designed for direct/online banks. The with philanthropy.
tool includes several functions, including http://www.fundsforgood.eu
current & savings accounts and securities
accounts management. Payment system
integrates all the latest standards and
Monizze provides innovative payment
manages payments fully automatically.
solutions where paper vouchers (tickets,
http://www.custy.com
24

25. Hipay by HPME Make an Appointment by SeeZam by SeeZam S.A
ING Belgium
SeeZam provides a unique virtual
In Europe, customers buy the same safe (e-Vault), guaranteeing the full
Make an Appointment by ING guarantees
products in the same currency but use confidentiality of information and
24/7 access to a portal that allows ING
different payment methods. Hipay by works by depositing data in a “safe” and
clients to make an appointment online
HPME is an e-wallet that offers local allowing secure exchange between two
with the branch employees of their choice
and international options to provide account (i.e. virtual safe) owners.
in no more than four steps. Thanks to the
many advantages for the end users and
unique features of ING Belgium’s online
the merchants. http://seezampro.com
appointment tool, the client is offered the
http://www.hipay.com possibility, via his personal computer or by
using his mobile phone or tablet, to book
a meeting slot directly into the agenda SQR Tech by SQR Technologies
of the appropriate branch employee
Intix Message Manager by INTIX specifying the theme, date and time.
By doing so, Make an Appointment
truly fits into ING Belgium’s strategy
as Belgium’s first universal direct bank:
while browsing through one of ING’s
Intix Message Manager by INTIX online channels, the customer can choose
at any time to complement the online SQR specializes in hardware security for
enables financial institutions to have a datacenters with the mission to develop
single window to make searching and self-service with a highly personalized
service at the branch in a couple of clicks. the next platform of cloud security
reporting across multiple information solutions by exploiting the laws of
silos and systems possible in an easy The client never suspects the underlying
complexity of the tool (architecture, quantum physics.
and cost-efficient way. The solution
is channel-agnostic and handles all databases, etc.): the appealing and easy- http://www.sqrtech.com
messaging formats while presenting to-use interface guides the client through
data in aggregated dashboard views. The a logic four-step flow.
solution is mainly focusing on users in the http://www.ing.be/afspraak WealthExpert by Gambit
context of regulatory reporting, business
intelligence and searching and reporting
http://www.ing.be/rendezvous Financial Solutions
http://www.ing.be/appointment
on (long term) messaging archives.
http://www.intix.eu
Payfair@2.0 by European
Payment Solutions NV
Luxembourg Fund Monitor by
Trendiction SA WealthExpert by Gambit Financial
Solutions is an Investment Advisory
solution that uses questionnaires, guided
payfair@2.0 by European Payment dialogue and mathematical methods to
Solutions NV is a secure authentication support investors risk profiling, portfolio
method combining an encrypted sound management and wealth management
The Luxembourg Fund Monitor by
authentication via mobile devices services for various segments of financial
Trendiction collects and visualizes all the
and a classic pin code to tackle the institutions private clients.
relevant information that is published
fraud issue and its expensive
online and in social news on the funds
consequences and to increase customers’ http://www.gambit-finance.com
industry in Luxembourg. It allows - to
and merchants’ confidence.
monitor the latest news and views on
the Luxembourg funds industry - to http://www.payfair.eu
search trends in the international
investment fund environment - to follow
key people, companies and associations
and to track legal and regulatory
developments worldwide.
http://www.trendiction.com
25

26. Concepts 26 – 98 (by alphabetical order) important decrease of the risks when
bringing a new application in production.
http://www.rever.eu
3SKey by SWIFT AlarmTILT by M-PLIFY
ArcoInvoice by Arco Information
AlarmTILT by M-PLIFY is an alert
management solution working as Software
and Connectivity as a Service. It uses all
available communication channels (email, ArcoInvoice by Arco Information
3SKey by SWIFT is a multi-bank and sms, voice, fax, iPhone push, pager, web is a completely automated invoice
multi-channel solution for electronic update, etc.) to quickly and reliably notify management solution which purposes are
signature and strong authentication. and inform crisis management teams, to erase risk of error, to gain time and to
Unlike traditional signature solutions, technical staff, management, partners and increase invoice treatment efficiency.
3SKey ensures global interoperability customers during incidents or disasters.
between banks and their corporate clients, http://www.arco.be
maintaining the bank independence on its http://www.alarmtilt.com
own KYC (Know Your Customer) processes
during registration.
B-CEPHAL by Moriset
http://www.swift.com/products/3skey AMAT Framework by Clear2Pay
Adlogix.eu by Adlogix
B-CEPHAL by Moriset is a powerful,
rapidly deployed Business Intelligence
engine that helps financial institutions
to make rational short term decisions
Adlogix is a digital advertising resource The AMAT Framework by Clear2Pay on business cases where data
management solution for premium is a software solution that enables to is degraded and where business
publishers. It helps its clients to maximize test automatically mobile applications assumptions are complex.
their premium digital advertising revenue for validation against pre-defined http://www.moriset.com/?page_id=6
and to minimize their operational costs by specifications and industry regulations.
providing them a process facilitation and
optimization software solution. http://www.integri.com
BA Max by AG Insurance
http://www.adlogix.eu
Application smooth reception
Advia.be by Advia methodology by REVER
AG Insurance non-life is positioned as a
universal insurer on the Belgian market
focusing on a multi-channel distribution
strategy (bank & broker), aimed at
Advia.be combines E-invoicing and
different market segments (retail and
E-Credit Management services in order
business clients). To differentiate its
to deliver the invoices to the debtor and
Application smooth reception product offering it applies a strict rule of
getting them paid. Real-time and online
methodology by Rever allows a smooth continuous product innovation, resulting
professional intervention possibilities are
reception methodology and tools for in an innovation every 3 to 6 months in
foreseen. Advia.be provides advantages
computer applications. It allows the the Retail and/or SME market. In 2008, AG
for both creditor and debtor by using
end-user to validate each of its business Insurance launched BA Max as a product
multiple innovative techniques such as
requirements versus the delivered innovation. BA Max is the only “RC” Car
Zoomit, Finvoice, XML, etc.: it is easy to
application. This makes it possible to go insurance in the market that covers the
use, involves no heavy investments nor
through a partial and smooth application drivers bodily injuries up to 250,000 EUR
software adaptations, is highly cost-
reception, requirement by requirement. even for accidents at fault.
efficient, and on the top of it, it has a
The end user can decide at each moment,
green image. http://www.aginsurance.be/nl/canal/ag/
after validation, to put a part of the
application in production. This is a very particuliers/bamax1.asp
http://www.advia.be
26

27. BeCommerce his office with “signature-slogan”: “Your Collibra Business Semantics
broker - Your best Insurance”.
Glossary by Collibra NV/SA
http://www.makelaarinverzekeringen.be
http://www.courtierenassurances.be
http://www.maklerinversicherungen.be
Business Semantics Glossary by Collibra
helps companies to define what
BeCommerce is the Belgian association Business suite of applications by their data means for their business,
for companies active in online and involving all stakeholders. It manages to
offline distance selling. They encourage OpenERP S.A improve responsibility, ownership, and
the growth of the E-commerce sector interoperability and aligns business and
through awareness raising, information, technical users.
promotion and certification of
E-commerce sites via a quality label and http://www.collibra.com
OpenERP is an open source ERP software.
a code of conduct.
It offers a comprehensive suite of business
http://www.BeCommerce.be applications that can be used both online
and on-site.
Consolidation Platform for Wealth
Management by Wealth@Work
http://openerp.com
BPO by Crefius NV
CapitAnt
Wealth@Work intends to deliver to
the Family Offices and External Asset
Managers a unique neutral and cost-
BPO by Crefius NV is an all-in-one BPO
effective consolidation platform for
solution for strategic mortgage lending CapitAnt organizes professional seminars, wealth management using a SaaS model.
program, from the initial business case workshops, debates and more with the
through set up and implementation. aim to educate and involve students in http://www.wealthatwork.lu
the financial market world.
http://www.crefius.com
http://www.capitant.be
Creative Equity
Brand a profession by BROCOM Creative Equity is a start-up specialized
Cleva by Mercator in Impact Finance. Their aim is to solve
social challenges while generating
financial profit. Through its business
model Creative Equity provides investors
on both requirements.
BROCOM has as core business the
promotion of the insurance broker in
the presence of the other distribution ErgoSuite by Netway SA
channels (bank, direct, agents …). In Cleva is an insurance application for
former days BROCOM always referred the management of clients, policies and
to the “BROCOM-broker”, which led to claims provided by the French software
differentiation within the channel. vendor ITN. Mercator uses Cleva as its
back office system and makes use of a
2/3 of all Belgian active professional service-oriented architecture. This
brokers are members of BROCOM. allows different systems to communicate
Therefore, within BROCOM, a next step with the back office through the use of ErgoSuite by Netway integrates scientific
in positioning this profession forced the services. behavioral knowledge with classical
itself. By conducting promotion for the website/application design best practices
profession itself, without reference to to generate the expected return on
the organization BROCOM, and this ColibriCard investment. The tool allows to predict the
with a new and refreshing logo. The non-conscious efforts of a user during the
identification campaign is the ideal design phase of a website/application.
starting point in indicating to the
consumer, in a permanent manner, where Colibricard is a financial platform and http://www.netway.eu
to get independent and professional end user product where prepaid payment
advice in insurance matters. Every partner cards are issued by using the Mastercard
can put a signage of the new logo at backbone for acceptance.
http://www.colibricard.be
27

28. Evolan Originator by Sopra Group FAST-Finance by e-Kenz S.A. HomeSend by Belgacom
International Carrier Services
S.A. (BICS S.A.)
Evolan Originator by Sopra Group is part
of the Evolan Banking Suite. It is an FAST-Finance by e-Kenz is a solution to
electronic platform used to distribute manage a company financials and cost
complex financial products across multiple accounting. This SAP Business All-in-
channels, providing optimal efficiency One solution is based on best practices, HomeSend by Belgacom International
and supporting all processes of each available in a few days. The concept is Carrier Services S.A. (BICS S.A.) is a
stakeholder involved. perfectly fitted to the needs of SMEs that global hubbing service that enables
quickly want to start their business. cross-border and cross-network person-
http://www.evolan.com to-person transfers.
http://www.e-kenz.com
http://www.homesend.com
Excentive Compensation Cockpit
by Excentive International Gapra by Fisk Consulting gcv
ID PAY by Loyaltek
Excentive Compensation Cockpit by
Excentive International is a software
solution that covers all parts of
Gapra by Fisk Consulting is an application
Compensation Management in a financial ID PAY by Loyaltek uses the Belgian
designed for the banks market risk
institution in order to attract, motivate electronic identity card as a mean of
department or other organizations with
and retain the best employees, dealers payment to be used in payment terminals.
a trading function. It allows analysts to
and agents. By linking the eID card to one or more
import, analyze, correct, comment upon,
accounts, it is possible to pay without
http://www.excentive.fr validate and report the daily results
any additional card. On the merchant
of the trading floor for internal and
side, it allows to automatically identify
regulatory purposes.
the customer and to create and easily
Eye Tracking Tool for Customer http://www.gapra.be maintain a customers’ database.
Interaction Optimization by http://www.idpay.be
ROGIL RESEARCH NV
Getyoo
Intelligent Invoice Processing
by Dynatos
Eye Tracking Tool for Customer Interaction
Optimization by ROGIL RESEARCH NV
is an eye movement registration tool
Getyoo offers NFC-based interactive
that analyzes the customers behavior
experiences and smart solutions (Mobile Intelligent Invoice Processing by Dynatos
when interacting with service providers
Payment, Networking, Information focuses on the area of incoming invoice
such as banks or retailers. The tool
retrieval, …) aimed at facilitating processing to provide a full automation of
helps its clients to guide their strategy
exchanges between the real world and paper and electronic invoices flow. It thus
by identifying a comprehensive list of
the virtual universe by interconnecting minimizes the time and money spent on
drivers (i.e. percentage of promotions…)
objects, people, social networks and the handling all types of invoices.
and the relative impact of each driver
Web via a single device.
on the customer behavior to optimize http://www.dynatos.be
investment and leverage communication http://www.getyoo.com
to maximize gains.
http://www.rogil.eu
28

29. IntelliStamp by Inventive Jump by BNP Paribas Fortis Kynox – Client Data & Relation-
Designers NV ship Management by Jiway S.A.
Jump by BNP Paribas Fortis is an
innovative idea management system.
Jump uses a collaborative approach to
IntelliStamp by Inventive Designers tries share the evaluation workload over a Today, the financial industry recognizes
to bridge the gap between electronic large population. Anyone with an idea can how important it is to know about the
signature and paper-dependent business post it, and other users will be asked to customers (KYC). The Kynox Client Data
processes by providing a hybrid signature review it. Everyone has a role on Jump! & Relationship Management Suite by
that can be used to sign electronic Jiway allows the organizations to make
documents, but that also has a visual For each idea, Jump selects 50 users clients feel that each of them is a unique
extension – a stamp. (experts) based on their declared and privileged customer. Kynox manages
competences. In order to increase its clients, but as well prospects, together
http://www.inventivedesigners.com/ efficiency, Jump guarantees anonymity with all participants having a role in
products/intellistamp all along the process, for innovators and the root structure (Account holder, POA,
for experts. beneficial owner...).
Intrum Web by Intrum Justitia The main benefit of Jump is to filter http://www.jiway.lu
innovative ideas, so the Innovation
Committee receives only high
potential ones. Lynx Wereldwijd Beleggen by Lynx
Intrum Web by Intrum Justitia is an In this condition, the Innovation
online tool allowing the customers to Committee can spend more time to select
easily deal with unpaid invoices, credit innovations that will be completed and
management process and the different sometimes also funded.
parties involved : debtor, creditor and Lynx Wereldwijd Beleggen by Lynx
Intrum Justitia. provides a multi-channel trading platform
KADOZ by Loyaltek along with its trading tools at a very
http://www.intrumweb.com low cost, giving access to more than 80
markets to its customers.
http://www.lynx.be
ISIWIS
Kadoz by Loyaltek is a tailor-made MiddleOffice Control™ by
payment scheme which purpose is to be AlSego S.A.
used as a thematic or geographic closed-
loop gift card to allow many different
Isiwis technology enables companies to small players to join together to offer a
control their collaborative environment wide range of choices.
in which they electronically manage
and share documentation. It is a single http://www.kadoz.be MiddleOffice Control™ by Alsego is an
secure environment for an organization’s intuitive and user-friendly Automated
valuable and confidential documents, Portfolio Consolidation & Management
improving efficiency and compliance, software solution for Private Wealth
mitigating operational risk, and Managers, Asset Managers and
facilitating collaboration with internal Family Offices.
and external parties around the globe via
SaaS technology. http://www.alsego.com/moc
http://www.isiwis.com
29