The Connector.

Ever wonder how a small Estonian startup transformed into a multi-country European bank during one of the most challenging periods in modern financial history? InBank 's remarkable journey proves that crisis creates opportunity for those innovative enough to seize it. After the 2008 financial crisis, when traditional banks pulled back from consumer finance and technology investment, InBank re...

Decrypting the language of markets through sound, frequency, and vibration isn't just a headline-grabbing concept – it's the foundation of OmniWave Fintech's revolutionary approach to wealth management. In this thought-provoking conversation, CEO and founder Adam Rubin reveals how his team has developed a system that transforms market noise into consistent returns, particularly in t...

Emmanuel Daniel, founder of TAP International and author of "The Great Transition," explores the fascinating connections between ancient snake mythologies, humanity's quest for immortality, and the rise of artificial intelligence in the financial industry. • Mythologies across cultures show humanity's aspiration for godlike powers and immortality, with snakes symbolizing renewa...

Finance is undergoing a radical transformation that's redefining how we think about money, technology, and trust. The latest edition of Finance X Magazine pulls back the curtain on these changes, revealing a landscape where artificial intelligence has moved from experimental to essential. The numbers tell a compelling story: 85% of Belgian financial institutions now maintain dedicated AI unit...

The financial world stands at a profound inflection point as traditional boundaries dissolve and banking transforms from destination to ubiquitous infrastructure. Finance X Magazine's latest issue unveils how financial services are becoming invisible yet omnipresent, embedding seamlessly into the platforms where we already spend our time. At the foundation of this revolution lies data standar...

What happens when the global economy's tectonic plates start moving in different directions after decades of synchronised movement? In this fascinating conversation, Philippe Gijsels, Chief Strategy Officer of BNP Paribas Fortis and co-author of "The World Economy in Five Trends," unravels the complex forces reshaping our economic landscape. Gijsels introduces us to "multi-glob...

The Digital Operational Resilience Act (DORA) creates significant new compliance requirements for financial institutions in the EU. DORAedge offers a technological solution to manage these complex challenges effectively. • Copenhagen-based fintech Performativ created DORAedge to help financial entities comply with DORA regulations • The Register of Information requirement demands mapping of ICT ne...

The financial landscape is undergoing dramatic transformation. From Asia's strategic pivot toward Europe to revolutionary approaches in fighting financial crime, every aspect of finance is being reimagined through technology. At the heart of this evolution is a fascinating shift in global financial partnerships. Asian institutions are increasingly looking to Europe rather than the US, seeking...

Bridging the gap between innovative fintech solutions and traditional banking, QRED Bank is rewriting the rules for SME financing across Europe. In this revealing conversation with Norway Country Manager Kristina, we explore how QRED transformed from an ambitious startup into a fully-licensed bank without losing its entrepreneurial spirit or customer-first approach. The statistics are startling: s...

The future of finance is unfolding at breakneck speed, especially in the German banking and fintech landscape heading toward 2025. As we explore this rapidly evolving terrain, we discover a fascinating paradox: despite significant economic headwinds including pandemic aftereffects and inflation, German fintech funding has surged to $8.2 billion, representing a remarkable 4% increase. What's d...

Three decades of financial innovation have positioned Isabel as a cornerstone of Belgium's banking landscape. Starting as a multi-banking payment platform in 1995, this joint venture of Belgium's four major banks has evolved into something far more ambitious – creating financial ecosystems that connect institutions, businesses, and technology providers. Sylvie van der Velde, who leads bu...

Flexibility and integration have become the new currency in financial services. In this deeply insightful conversation with Renaud from Basikon, we unpack how modern lending and leasing technology is fundamentally reshaping financial operations. Founded by industry veterans who witnessed the limitations of legacy systems firsthand, Basikon delivers a refreshingly different approach to banking tech...

Klaas from Regnology shares how the company transformed from a regional player to a European leader in regulatory technology, with ambitions to become the global champion following CPP investment and strategic acquisitions. • Joined Regnology in 2022 when they acquired b.fine, modernizing their front-end offering • Regnology's unique approach pivoting from a reporting platform to a data platf...

Pierre Nemeth, CEO and co-founder of Sopiad, discusses how their fintech company provides scientifically-backed resources to restore investor trust and help financial institutions comply with regulations. Sopiad's journey began with four years of academic research at LCC Liège before officially launching in 2021, addressing the lack of personalization in financial products and inadequate educ...

SevenYoken is revolutionizing accounting with autonomous AI that performs an accountant's days of work in minutes, delivering comprehensive financial reports and professional insights. Tom shares how their system evolved from a certified autonomous bookkeeper to a digital financial officer that can interpret balance sheets, process transactions, and even provide opinions and follow-up questio...

Robert from Paynovate describes how the Belgian payment provider has built a comprehensive electronic payment processing service with an EMI license from the National Bank of Belgium, offering everything from card issuing to open banking. Their standout approach is welcoming customers that traditional financial players often reject through scalable compliance procedures that adapt to each client&a...

How Approach Cyber helps fintech companies navigate cybersecurity challenges from integrated security development to regulatory compliance. Dorian Pacquet shares insights on evolving cyber threats, the role of AI in security, and the importance of managing data protection in the fintech ecosystem. • Approach is a pure-play cybersecurity and privacy partner with over 100 professionals across Belgiu...

AI agents are set to transform financial services by taking over tasks people currently do while enabling entirely new services, creating both challenges and opportunities for established banks and fintechs alike. • In The Pocket has evolved from a mobile app developer at the dawn of smartphones to a 200-person European digital product studio with a significant focus on AI strategy • Financial ins...

Lode from  AREA42 explains how this innovation vehicle within Credendo is transforming B2B trade finance by offering flexible working capital solutions that make digital trade more accessible and user-friendly. •  AREA42 is the innovation arm of Credendo, a credit insurance company with over 100 years of history • Credit insurance protects sellers when buyers don't pay invoices, unlike factor...

The regulatory pendulum in European fintech isn't swinging toward deregulation as dramatically as some might have expected. Philippe from Simont Braun law firm cuts through the noise to explain what's happening in the European regulatory landscape. Despite widespread speculation following the European Commission's 2025 work program announcement, major financial regulations like FIDA...

Our 10th episode dives into the exciting intersection of insurance and technology, exploring innovations within the InsurTech landscape. We celebrate milestone achievements while uncovering key themes of balancing reliability with digital transformation. • Exploring the significance of InsurTech in reshaping traditional practices  • Highlighting Vee Finance's layered strategy for effective di...

Ready to unlock the secrets of fintech innovation? Discover how Roel, the mastermind behind Docapi, is transforming the landscape of smart document processing. As a spin-out from IXOR, Docapi is setting new benchmarks with its revolutionary APIs for financial documents like invoices, receipts, and pay slips. Roel shares the strategic decision to bootstrap Docapi, with a hint at potential investmen...

Understanding the role of AI in enhancing wealth management, this episode explores the evolving trends shaping the financial landscape. We dive into goal-based investing, the rising influence of women in wealth tech, and the need for robust cybersecurity measures.  • AI as a powerful tool in personalized finance • Global economic outlook highlights regional disparities • Dividend payouts are set t...

Join us on an intriguing exploration into the evolving world of fintech, banks, and regulators with our guest Jens from GraydonCreditSafe. Discover how the merger of Graydon and CreditSafe combines local expertise with global technological capabilities to transform credit management and fraud prevention. Jens shares captivating insights into how this alliance leverages data accuracy and reliabilit...

Discover the revolutionary world of e-invoicing and fintech as we host Cedric Neve, the visionary founder and CEO of Digiteal, a pioneering Belgian company making strides in e-invoicing, e-payment, and open banking services. Learn how Digiteal's SaaS API is setting a new standard by enabling businesses to effortlessly integrate these services into their software, a necessity with the new Belg...