THANK YOU FOR SUBSCRIBING
KYC360 turns KYC regulatory obligations into a seamless, value-driven experience for risk-sensitive, compliance-focused businesses and their clients. The platform unifies customer screening, onboarding and lifecycle management, removing tool fragmentation, delays, errors and compliance gaps. Financial institutions gain more than just compliance; they achieve greater clarity and control in every client interaction while meeting due diligence requirements. This , no-code SaaS platform is built by seasoned compliance professionals and grounded in real-world complexity. Designed for ease of use, it enables teams to run workflows without IT support. Risk-based and automation-ready, each solution adapts to changing regulations and threats without adding burden. By embedding compliance into core operations, KYC360 reduces onboarding time, strengthens audit readiness and builds client trust, improving efficiency and supporting long-term growth. “With KYC360, compliance becomes a driver of secure, and scalable growth. Our solutions help accelerate customer acquisition and strengthen risk oversight,” says Stephen Platt, founder and CEO. This growth mindset hails from the experience of Platt. A former barrister and global authority on financial crime prevention, he built KYC360 from the inside out by applying decades of insight gained from regulatory investigations into Tier 1 banks. That deep domain knowledge shows in every design choice. From seamless onboarding to real-time monitoring, each feature is engineered to close compliance gaps. One of the clearest examples of this is the onboarding process. Legacy onboarding frustrates clients and teams with duplicate requests, delays and errors. KYC360 automates data collection and One of the clearest examples of this is the onboarding process. Legacy onboarding frustrates clients and teams with duplicate requests, delays and errors. KYC360 automates data collection and verification through a custom-branded portal that adapts to each client’s risk profile. Real-time risk assessment and screening accelerate decisions, cutting onboarding time from days to hours. Some due diligence is automated through integrations with trusted data providers like Kompany and Sayari, which pull KYC data directly into the system, saving time and effort. KYC360’s 3D Screening solution is the first-of-its-kind that lets users fix data quality before matching begins, reducing false positives and surfacing true hits faster. By leveraging years of match data and integrating top-tier sources like World-Check, Dow Jones and Lexis Nexis, the system balances global coverage with pinpoint relevance. Users can screen millions of names overnight against sanctions, politically exposed persons and adverse media. Visual dashboards help track alerts, spot trends and stay SLA-compliant.
Circeo is on a mission to reimagine lending in the digital era by easing the journey for both lenders and borrowers. It helps lenders navigate the increasingly complex regulations while meeting borrowers’ expectations for seamless digital experiences. TheLoanFactory, Circeo’s proprietary cloud-native, end-to-end lending and leasing SaaS platform, is a game-changer in credit management. The ISO 27001-certified platform brings a modular architecture, no-code/low-code automation and built-in compliance features. It empowers banks and financial institutions to modernize lending and deliver quick, hassle-free loan approvals and disbursements to borrowers. “We give lending institutions the tools to lend smarter and serve customers better, while staying compliant and future-ready,” says Laurent Clerc, chairman of the executive board. Designed for scale and speed, the platform enables lenders to handle a wide spectrum of customer segments, distribution channels and products like personal loans, mortgages, SME financing or more complex ones like BNPL. From origination and customer onboarding to account management, servicing and collection, TheLoanFactory simplifies all aspects of loan lifecycle management. Battle-tested across markets, it is the first-ever digital lending platform that delivers multi-channel flexibility by unifying loan management across all channels. Lenders can manage each distribution channel without duplicating infrastructure or forfeiting control. For instance, an application started online can be completed at a dealership. Customers receive pre-approvals on mobile. This convenience is in line with borrowers’ expectations for seamless lending experiences, whether through branches, mobile apps, dealerships or online platforms. TheLoanFactory's unmatched configurability distinguishes it. Its microservices-enabled architecture enables lending institutions to swiftly build, integrate and scale any fintech ecosystem. They can deploy custom workflows across front-office, middle-office and back-office operations—all without writing a single line of code..
D8 Corporation is a leader in developing, implementing and maintaining finance IT solutions. Its areas of expertise include payment cards, e-commerce, fraud prevention and AML solutions. Juris Scerbickis set the foundation of D8 Corporation as an IT services company and integrator, partnering with larger entities and international vendors to deploy their solutions in various regions. The model ran successfully for about ten years, and then D8 Corporation decided to transition from a system integrator to a product-based company. “Today, D8 Corporation has an extensive product base in the banking field, primarily focused on payments, including payment functionalities, risk management, eCommerce, 3DS/ACS and tokenization,” says Scerbickis, CEO. One of the company’s key products is an enterprise risk management platform. The product development started in 2004 when real-time risk prevention in the payment card industry was not common. Most risk management solutions at that time were offline and only identified fraud after it occurred. To tackle this situation, D8 Corporation developed a real-time risk management solution for an exchange, which became one of its key products, now used by over 30 customers. This product has evolved to meet modern requirements, combining rule-based approaches with machine learning. Besides risk management, D8 Corporation also has solutions in the field of payment card tokenization. Its product portfolio includes e-commerce components like merchant portals and 3D secure components, such as the access server and the cardholder data security (CDS) server. In 2024, D8 Corporation began offering its risk management platform as a SaaS, allowing banks that don't want to operate the solution themselves to use it. Additionally, the company provides risk management officer services, where its risk analytics team handles the system's configuration for banks, particularly small banks or electronic money issuers or in regions where banks may lack the necessary risk management expertise. This service is crucial for territories that require robust risk and anti-money laundering solutions.
Lyndon Subroyen, Global Head of Digital and Technology, Investec
Krasimir Vitanov, Cloud Architect, tbi bank
Tomas Stegura, Head of Digital, CSOB
Francesco Giordano, Head of Data Technologies, Analytics & BI Solutions, Generali Investments
Geoffroy De Ridder, Head of Technology and Operations/COO, Lombard Odier Group
Bernard Gavgani, Senior Advisor to the Group's General Management, BNP Paribas
Wouter Meijs, Executive Program Director, ING
Inside Europe’s Push for Smarter, Scalable Systems
For years, European finance has relied on processes that were thorough but painfully slow. Opening an account often meant days of verification. Loan approvals dragged under the weight of legacy systems. The result was predictable: frustrated customers, rising compliance costs, and missed opportunities. That reality is changing. Automated KYC software is replacing static checks with real intelligence. Biometric verification confirms identity within seconds. AI models scan documents for subtle forgeries while continuously monitoring transactions for suspicious patterns. Banks no longer wait for a quarterly review to catch risks. Fintechs in cities like Berlin and Barcelona can onboard thousands of users in a single afternoon, all while meeting the EU’s latest AML and GDPR standards. Cloud lending platforms are making credit delivery just as efficient. Instead of relying on outdated core systems, lenders can now launch products in weeks rather than months. Real-time data feeds allow more accurate credit scoring, while APIs connect seamlessly to payment processors, accounting tools, and even alternative data sources like utility payments. A small business in Prague can apply in the morning and see funds in its account by the afternoon. The real advantage comes from integration. Automated KYC supplies verified identity data directly into cloud lending engines, removing duplication and reducing fraud. Lenders gain speed without losing control, and customers experience financial services that finally match the pace of their lives. Europe’s financial sector is no longer experimenting with these tools. It is building on them. As adoption deepens, the continent’s banks and fintechs are moving toward a system that is faster, more transparent, and resilient enough to handle both growth and regulation. In this edition we spotlight insights from Olga Grohmann, VP, head of data access layer at Allianz Global Investors, and Francesco Giordano, head of data technologies, analytics & BI solutions at Generali Investments, as they share their perspectives on driving smarter data strategies and building scalable cloud ecosystems for Europe’s evolving financial landscape.
Banking CIO Outlook Weekly Brief
Be first to read the latest tech news, Industry Leader's Insights, and CIO interviews of medium and large enterprises exclusively from Banking CIO Outlook