Portuguese Fintech Landscape 2018-2019

1. CAPA

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3. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 3 Welcome to the 2018 Portuguese Fintech Landscape Guide. This is the second edition of this guide, in 2017 we profiled 59 fintech businesses, and in 2018 we will have 111 companies profiled, and the ecosystem is growing, new additions are on the way. This dynamic list is in alphabetical order and includes fintech startups, fintech companies or services that belong to major companies, fintech incubators and other fintech stakeholders. All the fintech companies must have Portuguese founders but headquarters can be anywhere. We are sure that more exist, and we wait for Your support to tell us which, but we are also sure that some don’t exist anymore or have disappeared in the meantime. The market works in both ways. But as all startup founders know, we can fail and keep on going, and we also learn from those who fail and are willing to share their experience, that’s why they are still in this list. The information was gathered on the internet and maybe it’s not up-to-date, it’s our MVP of the Portuguese Fintech Landscape, as a dynamic list we will try to improve and keep it actual. If any information regarding your company is incomplete or incorrect, please let us know and we will update it. We would like to thank all the valuable contributions given, that helped us improve the information regarding the Portuguese fintech ecosystem. On our research we have also found that not only we have more fintech companies with Portuguese founders than we first thought but we also found that we have many Portuguese developers dispersed in many international fintech companies worldwide. That gave us a lot a pleasure to discover and many good ideas for other projects. In 2018 we have started a program called Connecting the dots. This program consists of a series of Talks that are held in several Portuguese Universities with the mission to empower Portuguese fintech ecosystem by improving the interaction between, finance and technology students, and fintech stakeholders. You can read more about it in the following chapters. If you want to participate or need any assistance, please do not hesitate to contact. Augusto Santos CEO fintech.Portugal augusto@fintech.pt

4. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 4 05 fintech Portugal what we do 06 the author who´s he 07 give before you get be the giver, not the taker 09 stats fintech Portugal Statista 2018 13 connecting the dots how to help the Portuguese fintech ecosystem 15 fintech map all the brands in the ecosystem 16 instructions how to explore the landscape 17 the landscape all the ecosystem 55 the future cannot be predicted, but futures can be invented 56 contacts get in touch

5. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 5 f i n t e c h . P o r t u g a l Combining innovative business models and technology to ENABLE, ENHANCE and DISRUPT financial services. These are the main areas fintech.Portugal can help you and the Portuguese Fintech ecosystem:

6. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 6 Augusto Santos begun his professional career in 1985 as a COBOL developer and in 1990 he started the 1st of 6 tech companies. Graduated in Marketing Management, he works in marketing consulting since 2004 and for 10yrs he worked in marketing and sales for two multinational companies. Founded fintech.Portugal in 2015 as a consulting service, with the mission to empower Portuguese Fintech Ecosystem. He is the publisher of the Portuguese Fintech Landscape since 2017. In 2018 he started Connecting the Dots, a series of talks that promote fintech within the Universities. FOR MORE PROFESSIONAL INFORMATION:

7. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 7 Give before you get #GiveBeforeYouGet / #GiveFirst Brad Feld (@bfeld) is an American entrepreneur and venture capitalist. In a LinkedIn article from 31 December 2012, Brad encouraged everyone to adopt one of his deeply held beliefs, that of “give before you get.” In order to give before you get, we must adopt a philosophy of helping others without an expectation of what we are going to get back. It’s not altruistic - we do expect to get things in return - but we don’t set up the relationship to be a transactional one. For Brad that applies also to our private life, that act of giving without expectations makes us happy, and we can and should live a happy life. (1) Simon Sinek (@simonsinek) is a British-American author, motivational speaker and organizational consultant. In his presentation “Why Leaders Eat Last” he talks about the impact of hormones in our body and in our lives as human beings. The hormone Oxytocin as a huge impact in our lives and we get it from the act of giving, of helping others. (2) Mark Suster (@msuster) is an American entrepreneur and venture capitalist. In an Ink Magazine article from 2013, Mark also told as about this philosophy and tells us that we live in a world of asking. Everybody is asking for something, networking as come to an asking event instead of an investment in creating and maintaining relationships. (3) Recently I meet someone that went to TechStars and was amazed by their “#GiveFirst” philosophy. Maybe it’s not a coincidence that Mark Suster and Brad Felt are mentors in TechStars. Techstars promotes the concept of giving without expecting a transactional return. It’s the first point in Techstars Code of Conduct: “We give first.” (4) As Brad told in 2012, as you begin 2019, consider adopting a give before you get approach. It might surprise you what you’ll get! #GiveBeforeYouGet / #GiveFirst (1 ) h t t p s : / / w w w. l i n k e d i n . c o m / p u l s e / 2 0 1 2 1 2 3 1 1 6 0 6 0 1 - 6 3 3 2 - g i v e - b e f o r e - yo u - g e t / (2 ) h t t p s : / / w w w. yo u t u b e . c o m / wa t c h ? v = R e R c H d e U G 9 Y & t = 1 3 9 1 s (3 ) h t t p s : / / w w w. i n c . c o m / m a r k - s u s t e r / wh y - yo u - s h o u l d - g i v e - b e f o r e - yo u - g e t . h t m l (4 ) h t t p s : / / c o l o r a d o s u n . c o m / 2 0 1 8 / 1 2 / 0 4 / g i v e - f i r s t - t e c h s t a r s - c o l o r a d o - g i v e s - e n t r e p r e n e u r s - s t a r t u p s /

9. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 9 Fintech Stats Portugal FinTech is short for ‘Financial Technology’, the central concept of structural change and digitization within the financial services industry. Under the collective name FinTech (which still lacks a clear definition even within the industry), financial services are understood within the framework of the Digital Market Outlook; digital infrastructures allowing the establishment of new types of agreements and procedures in the classic areas of banking such as lending, investment strategies and payments. The characteristics of the digitization process of financial services include: simplified access for end users via the Internet or mobile Apps, an increase in the processing speed of automated processes, reduction in costs, a stronger focus on customer service, more convenience, higher transparency and the exploitation of network effects. The FinTech market is characterized by a rapidly growing number of startups and businesses without bank licenses (non-banks). For an overview of the total potential of the FinTech market, a split between classic banks and non-banks is not sensible, because consolidation processes, co-operations and white label solutions mean that there will be no clear differentiation in the future. Therefore, a functions-oriented segmentation is preferred, based on an access- or business model-based split of the market. FinTech start-ups tend to focus on selected parts of the financial value chain and try to unbundle traditional bank business models. All monetary information in the FinTech section of the Digital Market Outlook refers to the potential transaction volumes of the respective segments and not corporate revenue. The following are not included in the current market definition: agency commissions via metasearch engines, for example, in the credit and insurance sector, business-to-business payments, API management, agencies and external credit scoring, crypto currencies (including Bitcoin) and complementary services such as online identification or account management. STATISTA, 2018

10. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 10 Stats Fintech Transaction Value (in million US$) Total Transaction Value in the Digital Payments segment amounts to US$6,583m in 2018.

11. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 11 Transaction Value Growth (in percent) The FinTech market is expected to show a transaction value growth of 14.7% in 2019. The Digital Commerce segment is expected to show a transaction value growth of 11.6% in 2019. User (in millions) In the Digital Payments segment, the number of users is expected to amount to 6.74m by 2022.

12. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 12 av. Transaction Value per User (in US$) The average transaction value per user in the Digital Payments segment amounts to US$1,022 in 2018. Penetration Rate (in percent) User penetration in the Digital Payments segment is at 62.8% in 2018. Global Comparison - Transaction Value (in million US$) With a total transaction value of US$1,269,792m in 2018, the highest value worldwide is reached in China.

13. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 13 C O N N E C T I N G T H E D O T S … It’s an initiative that visits Portuguese Universities with the mission to improve the interaction between finance and technology students with fintech stakeholders in order to empower Portuguese fintech ecosystem. The program of “connecting the dots” includes four parts: 1. about fintech.portugal and its mission, 2. about fintech in the world and in Portugal, 3. the opportunity to meet fintech stakeholders sharing their experience in various topics, 4. it all ends with a Q&A about the session. CONTACT US: • If You want to have this initiative in your University, or know someone who does; • If You are a fintech stakeholder and want to be a part of this initiative; #f int ec h Po rtu ga l po rtu ga l@f int ec h. pt www .f int ec h. pt Fin te ch Por tug a l 20 18 Combining innovative business models and technology to ENABLE, ENHANCE and DISRUPT financial services.

15. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 15 WWW.FINTECH.PT

16. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 16 EACH INDIVIDUAL COMPANY RECORD IS ORGANIZED AS FOLLOWS: 1. … the logo of the brand. The brand / Service and the company name might not be the same. You if click on the logo you will be redirected to the company’s webpage. 2. … the year it was founded, the location of the headquarters and the segment it operates. The Status indicates is its ACTIVE OR INACTIVE. 3. … links to the company´s LinkedIn, Facebook and Twitter page. If the social media logo it’s in color grey, there is no link. 4. … a short description of the service provided. 5. At each company record you can find up to three persons that represent it. Their photo. name and position will be available. By clicking on the photo, you will be redirected to that persons LinkedIn page. • If You know of other fintech companies that should be in this list, please contact us with more info. • If any information regarding your company is incomplete or incorrect, please let us know and we will update it.

17. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 17 THE LANDSCAPE

19. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 19 Founded 2016 Location Switzerland Segment PAYMENTS Status ACTIVE ABYPAY IS YOUR BLOCKCHAIN SECURE MULTI -CURRENCY WALLET, TO CARRY DAY TO DAY PERSONAL AND BUSINESS TRANSACTIONS SUCH AS: PAY, TRANSFER MONEY FROM ANYONE TO ANYWHERE. MULTI-CURRENCY PAYMENT ACCOUNTS INCLUDING FOR MAJOR CRYPTOCURRENCIES. JOAQUIM LAMBIZA CO-FOUNDER NUNO ARAUJO CTO Founded 1994 Location Lisbon Segment BANK Status ACTIVE INNOVATION IS PART OF OUR DNA. IT IS PRESENT IN THE CHARACTERISTICS OF EACH PRODUCT AND IN THE CHANNELS OF REMOTE ACCESS TO THE BANK, IN THE APPLICATIONS THAT WE CREATE FOR SMARTPHONE OR TABLET, OR IN THE COMPLETE OFFER ADAPTED TO YOUR LIFESTYLE. DULCE MOTA CEO Founded 2013 Location London Segment INVESTMENT Status ACTIVE ADVICEFRONT IS AN INVESTMENT EXPERIENCE PLATFORM FOR INDEPENDENT FINANCIAL ADVISORS AND THEIR CLIENTS, THAT COMBINES ALGORITHMIC INVESTING WITH THE BEHAVIORAL SIDE OF FINANCIAL ADVICE. JOSÉ SUPICO CEO ANDRÉ COSTA CTO

20. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 20 Founded 2017 Location Lisbon Segment ASSOCIATION Status ACTIVE ASSOCIAÇÃO FINTECH INSURTECH DE PORTUGAL. WE ARE AN ECLECTIC NON-PROFIT ASSOCIATION THAT SEEKS TO PROMOTE AND DEVELOP THE FINTECH AND INSURTECH SECTORS IN PORTUGAL. LUIS MIGUEL VIEIRA EXECUTIVE BOARD MEMBER Founded - Location - Segment INVESTMENT Status ACTIVE IN ANALYTICAL TRADER, WE USE OUR EXPERIENCE IN TRADING AND CODING TO DEVELOP SOFTWARE THAT AID THE TRADER IN MAKING PROFITABLE DECISIONS. LEONARDO BARATA - Founded 2018 Location - Segment ASSOCIATION Status ACTIVE THE PORTUGUESE BLOCKCHAIN ALLIANCE IS AN ECOSYSTEM COMPOSED OF COMPANIES, STARTUPS, UNIVERSITIES AND STUDENTS WITH THE OBJECTIVE TO DEVELOP THE NATIONAL SKILLS IN BLOCKCHAIN. RUI SERAPICOS PRESIDENT OF THE BOARD PEDRO FILIPE GODINHO CO-FOUNDER

21. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 21 c Founded 2017 Location Lisbon Segment ASSOCIATION Status ACTIVE PORTUGUESE BLOCKCHAIN AND CRYPTOCURRENCY ASSOCIATION. FRED ANTUNES Board President DIOGO LINO Executive Board Member Founded 2017 Location Singapore Segment BLOCKCHAIN Status ACTIVE APPCOINS PROVIDES DEVELOPERS A TRANSPARENT AND EFFICIENT WAY TO MONETIZE THEIR APPS AND BUILD A REPUTATION ACROSS APP STORES; PROVIDES USERS A TRUSTED ENVIRONMENT WITH NEW PURCHASING POSSIBILITIES AND INCENTIVES TO DISCOVER APPS. PAULO TREZENTOS CO-FOUNDER / CEO (APPTOIDE) ÁLVARO PINTO CO-FOUNDER / COO (APPTOIDE) Founded 2017 Location Porto Segment INVESTMENT Status ACTIVE BETMARKETS IS A WEB PLATFORM THAT ALLOWS YOU TO INVEST IN SPORTS BETTING BY COPYING SPORTS BETTING EXPERTS. WE ARE THE FIRST PLATFORM OF THE KIND THAT DOESN’T REQUIRE YOU TO GO THROUGH THE HASSLE OF CREATING AN ACCOUNT WITH A BETTING HOUSE AND WHERE ALL EXPERTS GO THROUGH A THIRD-PARTY VERIFICATION OF THEIR TRACK RECORDS. AFONSO VIEIRA CO-FOUNDER / CEO ANDRÉ FLÓRIDO DA COSTA CO-FOUNDER / COO

22. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 22 Founded 2014 Location Estoril Segment BLOCKCHAIN Status - PROMOTING THE CRYPTO CURRENCY CONCEPT, DEVELOPMENT OF BUSINESS SOLUTIONS BASED ON THE BITCOIN TECHNOLOGY AND DEVELOPING RELATED COMMERCIAL PRODUCTS. JOAQUIM LAMBIZA CEO Founded 2014 Location Lisbon Segment BANK Status ACTIVE BANCO BNI EUROPA IS A FINANCIAL INSTITUTION WITH THE AMBITION TO GROW SIGNIFICANTLY AND IT INTENDS TO CHALLENGE THE HIGH STREET BANKS, WHILE USING THE LATEST TECHNOLOGY OFFERED BY THE FINTECH INDUSTRY IN TERMS OF RISK ANALYSIS, TIME TO MARKET AND CUSTOMER EXPERIENCE. PEDRO PINTO COELHO CHAIRMAN AND CHIEF EXECUTIVE OFFICER PAULA LANDEIRO HEAD OF MARKETING DEPARTMENT Founded 2013 Location - Segment FINANCE MANAGER Status ACTIVE BOONZI IS AN APPLICATION USED BY MORE THAN 60,000 PORTUGUESE TO MANAGE MONEY AND CONTROL THE FAMILY BUDGET. RUBIM FONSECA FOUNDER JOÃO SALEIRO FOUNDER

23. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 23 Founded 2016 Location Lisbon Segment - Status - BOTLY IS A BOT STUDIO BUILDING SMART CHATBOTS AND HELPING COMPANIES TO PROVIDE A SUPERIOR USER EXPERIENCE THROUGH SMART CONVERSATIONS, SUPERIOR CUSTOMER SERVICE AND THE POWER OF ARTIFICIAL INTELLIGENCE TO FOSTER A TRULY CONVERSATIONAL COMMERCE SERVICE. SMART CHATBOTS TO ADVISE, RECOMMEND AND SELL FINANCIAL PRODUCT & INSURANCE. DAVID DOURADO DOS SANTOS FOUNDER / CEO Founded 2008 Location Oporto Segment PAYMENTS Status - CARDMOBILI SPECIALISES IN INNOVATIVE END-TO-END TECHNOLOGY TO CREATE AND ENABLE DIGITAL WALLET SERVICES, FOCUSING ON VALUE ADDED SERVICES FOR THE COMMERCE EXPERIENCE. HELENA LEITE CEO Founded 2013-2014 Location - Segment PAYMENTS Status INACTIVE MOBILE PAYMENT NETWORK THAT ENABLES ANYONE WITH A SMARTPHONE TO SEND AND RECEIVE MONEY IN A MATTER OF SECONDS. RUCA SOUSA MARQUES CEO

24. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 24 Founded 2014 Location Coimbra Segment PAYMENTS Status ACTIVE CASHYT IS A NEW SOCIAL EXPERIENCE TARGETED FOR YOUNG AND TALENTED PEOPLE. IT WILL INCLUDE OPPORTUNITIES FOR GETTING REWARDS, EVERYTHING PACKAGED WITH SOCIAL FUN. ONCE YOU START GETTING REWARDS YOU SHALL USE THIS APP AS YOUR POCKET MONEY. LUIS SILVA CEO (WIT SOFTWARE) Founded 2014 Location Lisbon Segment CROWDFUNDING Status - CITIZENERGY IS AN ONLINE PLATFORM THAT CONNECTS CITIZENS THAT WANT TO ENGAGE IN THE ENERGY TRANSITION REVOLUTION WITH EXCITING GREEN ENERGY PROJECTS PROMOTED BY CROWDFUNDING PLATFORMS AND/OR RENEWABLE ENERGY COOPERATIVES. NUNO BRITO JORGE - Founded 2015 Location Lisbon Segment LENDING Status ACTIVE CLICINVEST IS A COLLABORATIVE FINANCING PLATFORM WHERE PEOPLE LEND DIRECTLY TO SMALL AND MEDIUM-SIZED PORTUGUESE COMPANIES FOR AN INTEREST. NUNO NETTO CO-FOUNDER FRANCISCO VIEIRA ALVES COO

25. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 25 Founded 2017 Location Lisbon Segment BLOCKCHAIN Status ACTIVE COINVISION IS DESIGNED TO HELP NEW INVESTORS UNDERSTAND THE CRYPTOCURRENCY MARKET. MILLIONS OF ENTHUSIASTS ARE BUYING CRYPTOCURRENCIES, BUT MANY DON’T GRASP THE FULL POTENTIAL OF BLOCKCHAIN-POWERED TECHNOLOGIES. MIGUEL LEITE CO-FOUNDER TIAGO MARTINS CO-FOUNDER MIGUEL ALMEIDA CO-FOUNDER Founded 2014 Location Oporto Segment BIG DATA Status ACTIVE WE DEVELOP PRODUCTS AND TECHNOLOGY PLATFORMS FOR DATA ANALYSIS WITH HIGH VARIETY AND VOLUME, MAINLY BUSINESS INTELLIGENCE SOLUTIONS, BIG DATA, CLOUD COMPUTING AND FRAUD DETECTION. VALTER PINHO CEO HUGO PICADO CTO DIOGO BASTOS COO Founded 2015 Location Lisbon Segment COMPARISON Status ACTIVE COMPARAJA.PT IS A FREE AND INDEPENDENT ONLINE PLATFORM FOR COMPARISON AND ANALYSIS OF FINANCIAL PRODUCTS AND SERVICES THAT OFFERS USERS THE POSSIBILITY TO IDENTIFY AND ACQUIRE THE SOLUTION MOST SUITED TO THEIR NEEDS, WITH SIGNIFICANT SAVINGS OF TIME AND MONEY, QUICKLY AND SIMPLE. JOSÉ FIGUEIREDO MANAGING DIRECTOR LOURENÇO ALMEIDA E BRITO COO

26. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 26 Founded 2010 Location Lisbon Segment COMPARISON Status ACTIVE OUR GOAL IS TO HELP THE LARGEST NUMBER OF PORTUGUESE AND RESIDENTS IN PORTUGAL TO SAVE MONEY. COMPAREOMERCADO.PT IS DEDICATED TO THE AGGREGATION AND COMPARISON OF FINANCIAL PRODUCTS. MANUEL MELLO CEO Founded 2016 Location Oporto Segment LENDING Status ACTIVE UPDATE YOUR CREDIT ANALYSIS AND DECISION-MAKING PROCESS. WE ELEVATE CREDIT RISK ANALYSIS TO ANOTHER LEVEL. SIMPLIFYING IT. SANDRA FONSECA CO-FOUNDER DANIEL SILVA CO-FOUNDER JOSÉ GOMES CTO Founded 2014 Location Lisbon Segment BLOCKCHAIN Status ACTIVE AS A TEAM OF PORTUGUESE CRYPTOCOIN BELIEVERS, WE DECIDED TO LAUNCH CRYPTOESCUDO (CESC, SHORT FORM), A COIN BASED IN CRYPTOGRAPHY, THAT USES COMPLEX MATHEMATICAL PROBLEMS TO ACHIEVE A HIGH SECURITY LEVEL. EUGÉNIO APOLO -

27. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 27 Founded 2014 Location Lisbon Segment BLOCKCHAIN Status - THE CRYPTOVILLAGE PROJECT’S MAIN GOAL IS TO BRING BALANCE BETWEEN MANKIND, NATURE AND TECHNOLOGY. ALL THIS GOVERNED BY BLOCKCHAIN INTEGRATED INTO IOT AND ARTIFICIAL INTELLIGENCE, WITH IT’S VERY OWN CRYPTOCURRENCY, VILLA COIN. FRED ANTUNES CO-FOUNDER / CEO FÁBIO CAETANO CO-FOUNDER / CFO MIGUEL CARMO Board President Founded 2015-2018 Location - Segment BIG DATA Status - DATASONAR, DEVELOPED AND PATENTED BY PKNOA, SA, IS A HIGH PERFORMANCE AND SCALABLE BIG DATA PLATFORM, CAPABLE OF INGESTING AND ANALYZING HUGE DATA VOLUMES IN REAL TIME FROM DIVERSE SOURCES. MARIA JOÃO MILEU CEO / COO Founded 2016 Location Lisbon Segment INSURTECH Status ACTIVE DATA XL'S FLAGSHIP PRODUCT IS THE INSURANCE PRICING ROOM (IPR). THE INSURANCE PRICING ROOM ALLOWS NONLIFE COMPANIES TO SET UP THE BEST PROFITABLE PRICE TO THEIR CUSTOMER, USING MATHEMATICAL PRICING DISCRIMINATION TECHNIQUES. FILIPE CHARTERS DE AZEVEDO FUNDER / CEO

28. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 28 Founded 2015 Location Seattle Segment AI Status ACTIVE DEFINEDCROWD OFFERS EFFICIENT DATA WORKFLOWSTHAT ACCELERATE ENTERPRISE AI INITIATIVES. WE ENABLE DATA SCIENTISTS TO COLLECT, SYNTHESIZE, STRUCTUREAND ENRICH TRAINING DATA THROUGH A COMBINATION OF HUMAN INTELLIGENCE, AUTOMATIC TOOLS, ANDMACHINE LEARNING CAPABILITIES. DANIELA BRAGA FOUNDER / CEO WALTER BENADOF COO JOÃO FREITAS CTO Founded - Location Guimarães Segment SECURITY Status - DIGITALSIGN IS AN ELECTRONIC SECURITY COMPANY, WITH EMPHASIS ON ITS ACTIVITY AS A PORTUGUESE CERTIFYING ENTITY FOR THE ISSUANCE OF QUALIFIED DIGITAL CERTIFICATES. Founded 2014 Location Lisbon Segment FINANCE ADVICE Status ACTIVE THE FREE SERVICES OF DOCTOR FINANCE ARE AVAILABLE TO ALL PORTUGUESE, IN 5 FRONTS: HOUSING CREDIT, CONSOLIDATED CREDIT, CREDIT RENEGOTIATION, INSURANCE AND TRAINING IN PERSONAL FINANCE. RUI BAIRRADA CEO JOÃO SALEIRO CTO

29. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 29 Founded 2015 Location Lisbon Segment INSURTECH Status - DRIVIT'S MISSION IS TO PROVIDE TOOLS CAPABLE OF HELPING DRIVERS TO ADDRESS EVERYDAY BURDENS WHILE REDUCING THE IMPACT THAT THE CAR HAS IN OUR ENVIRONMENT AND PUBLIC SPACE IN GENERAL. CARLOS ABREU CO-FOUNDER GONÇALO FARINHA CO-FOUNDER Founded 2007 Location Lisbon Segment PAYMENTS Status ACTIVE EITHER YOU ARE A COMPANY SELLING ONLINE, A SERVICE PROVIDER WITH MONTHLY FEES, A SCHOOL OR A CLUB WITH RECURRENT PAYMENTS OR AN ASSOCIATION RAISING FUNDS, WITH EASYPAY COLLECTING THOSE PAYMENTS JUST BECAME EASIER AND FLEXIBLE. SEBASTIÃO LANCASTRE CEO / CO- FOUNDER RICARDO LOPES CTO SUSANA WELSH CMO Founded 2014 Location London Segment BIG DATA Status ACTIVE EBANKIT IS AN OMNICHANNEL BANKING SOFTWARE COMPANY THAT HELPS FINANCIAL INSTITUTIONS WORLDWIDE TO FUTURE-PROOF THEIR BUSINESSES. RENATO OLIVEIRA CEO

30. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 30 Founded 2017 Location Lisbon Segment PAYMENTS Status ACTIVE WITH THE WORLD’S FIRST SEAMLESS MICROPAYMENT SYSTEM WE ARE BRIDGING THE GAP BETWEEN TRADITIONAL PAYMENT METHODS ON SELF -SERVICE AND AUTONOMOUS MACHINES AND REVOLUTIONARY BLOCKCHAIN TECHNOLOGY BY INCORPORATING REAL -TIME ANALYTICS, PROTECTION AND SIMPLICITY ON YOUR DAY-TO-DAY BASIS. JOÃO MIGUEL LUZ CO-FOUNDER JOÃO JESUS CO-FOUNDER CESAR ALVES CO-FOUNDER Founded 2014 Location Lisbon Segment CROWDFUNDING Status ACTIVE ESOLIDAR IS A GLOBAL GIVING MARKETPLACE THAT EMPOWERS THE CONNECTION BETWEEN CHARITIES AND THEIR COMMUNITIES BY PROVIDING EASY WAYS TO RAISE FUNDS AND AWARENESS. MARCO BARBOSA CO-FOUNDER / CEO MIGUEL VIEIRA CO-FOUNDER / CTO Founded 2017 Location Lisbon Segment BLOCKCHAIN Status - ETHERIFY IS A BLOCKCHAIN VENTURE STUDIO THAT BRINGS THE POWER OF ETHEREUM TO THE REAL WORLD THROUGH EDUCATION, DISRUPTION & INNOVATION, AND THE PRODUCTION OF DECENTRALIZED APPLICATIONS. JUSTIN WU FOUNDER

31. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 31 Founded 2015 Location Oporto Segment PAYMENTS Status ACTIVE EUPAGO IS A 100% PORTUGUESE PAYMENT INSTITUTION, ACCREDITED AND SUPERVISED BY THE BANK OF PORTUGAL AND SPECIALIZING IN THE SUPPORT OF PAYMENTS MADE THROUGH THE INTERNET. JOSÉ VEIGA FOUNDER TELMO SANTOS FOUNDER Founded 2013 Location Oporto Segment PAYMENTS Status ACTIVE FACESTORE IS AN INNOVATIVE E-COMMERCE PLATFORM, WHICH ENABLES ANY COMPANY TO OPEN AN ONLINE BUSINESS AND SELL PRODUCTS OR SERVICES OVER THE INTERNET, ON SOCIAL MEDIA CHANNELS OR THROUGH MOBILE DEVICES LIKE SMARTPHONES AND TABLETS. PEDRO BARBOSA CEO BRUNA NUNES CMO Founded 2012 Location Braga Segment INVOICING Status ACTIVE BILLING MANAGEMENT FOR THE MODERN ENTREPRENEUR. DEDICATE YOUR TIME TO THE BUSINESS AND YOUR CUSTOMERS. BILLING MUST BE LESS OF THE CONCERNS. SO, SIMPLIFY THE WAY TO BILL HUGO PINTO CEO / GOFACT

32. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 32 Founded 2009 Location California Segment BIG DATA Status ACTIVE WE’RE CODING THE FUTURE OF COMMERCE WITH A LEADING PLATFORM POWERED BY ARTIFICIAL INTELLIGENCE AND BIG DATA. FEEDZAI HAS ONE CRITICAL MISSION: MAKE COMMERCE SAFE. THE WORLD’S LARGEST BANKS, PAYMENT PROVIDERS AND RETAILERS USE FEEDZAI’S MACHINE LEARNING TECHNOLOGY TO MANAGE RISKS ASSOCIATED WITH BANKING AND SHOPPING, WHETHER IT’S IN PERSON, ONLINE OR VIA MOBILE DEVICES. NUNO SEBASTIÃO FOUNDER / CEO PEDRO BIZARRO FOUNDER / CSO PAULO MARQUES FOUNDER / CTO Founded 1994 Location Oporto Segment SOFTWARE Status ACTIVE DEVELOPMENT OF SOFTWARE FOR STOCK EXCHANGE TRADING. ANTÓNIO JESUS FOUNDER JOÃO MARTA DA CRUZ FOUNDER Founded 2015 Location Oporto Segment PAYMENTS Status - WE TRANSFORM RECURRENT ACTIVITIES AND DATA INTO SEAMLESS CUSTOMER DIGITAL EXPERIENCES, INCREASING TRUST, LOYALTY AND CUSTOMER VALUE AND REDUCING EXIT RATES. RUI CERNADAS CEO FILIPE PINA CO-FOUNDER / CTO LUIS VAZ CO-FOUNDER

33. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 33 Founded 2015 Location Oporto Segment CONSULTING Status ACTIVE CONNECTING THE DOTS. EMPOWERING PORTUGUESE FINTECH ECOSYSTEM. COMBINING INNOVATIVE BUSINESS MODELS AND TECHNOLOGY TO ENABLE, ENHANCE AND DISRUPT FINANCIAL SERVICES. AUGUSTO SANTOS FOUNDER / CEO Founded 2016 Location California Segment BLOCKCHAIN Status - FINTECH SERVER IS A SUITE OF COMPONENTS FOR FINTECH AND BLOCKCHAIN APPLICATIONS. JORGE PEREIRA FOUNDER / CTO Founded 2018 Location Setubal Segment BLOCKCHAIN Status ACTIVE FLUID IS A DECENTRALIZED NETWORK AND EXTENSIBLE PLATFORM ECOSYSTEM THAT AIMS TO DEMOCRATIZE ACCESS TO CRYPTOCURRENCY-BASED FINANCIAL SERVICES FOR BOTH USERS AND DEVELOPERS. MARCOS HENRICH CO-FOUNDER JOÃO MATOS CO-FOUNDER JOÃO MARES CO-FOUNDER

34. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 34 Founded 2013 Location Lisbon Segment INVESTMENT Status ACTIVE GOPARITY IS AN ONLINE SUSTAINABLE INVESTMENT PLATFORM. IT CONNECTS CITIZENS AND INSTITUTIONAL INVESTORS WITH EXCITING INVESTMENT OPPORTUNITIES THAT ALSO MAKE THE WORLD A BETTER PLACE TO LIVE IN. NUNO BRITO JORGE CO-FOUNDER LUIS COUTO CO-FOUNDER Founded 2013 Location Lisbon Segment INSURTECH Status ACTIVE HABIT AGGREGATES AND ANALYZES DATA FROM IOT DEVICES, SMART PHONES, AND CONTEXTUAL DATA SOURCES TO EXTRACT CONSUMER INSIGHTS WHICH ENABLE NEW SERVICES AND DATA -DRIVEN DECISION MAKING. DOMINGOS BRUGES CO-FOUNDER / CEO SASHA DEWITT CO-FOUNDER / COO Founded 1984 Location Oporto Segment INSURTECH Status ACTIVE WE ARE AN IT COMPANY SPECIALIZED IN THE DESIGN, DEVELOPMENT AND IMPLEMENTATION OF SOFTWARE SOLUTIONS FOR THE INSURANCE GLOBAL MARKET. GASTÃO TAVEIRA CEO MARCO PERESTRELLO CTO

35. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 35 Founded 2017 Location Lisbon Segment INSURTECH Status ACTIVE IBSHURANCE HELP INSURANCE COMPANIES TO AUTOMATE CLAIMS, MANAGE ALL PROVIDERS, REDUCE COSTS AND IMPROVE CUSTOMER EXPERIENCE BY USING ADVANCED WORKFLOW SOLUTIONS COMBINED WITH MACHINE LEARNING / AI. JOÃO MEDINA FOUNDER Founded 2016 Location Oporto Segment PAYMENTS Status ACTIVE INVISIBLE COLLECTOR IS A RECEIVABLES RELATIONSHIP AGENT THAT PUTS CREDITORS AND DEBTORS ON THE SAME PAGE, WHILE PROVIDING REAL -TIME PERFORMANCE ANALYTICS AND PREDICTIVE CASH -FLOWS. PEDRO MENDES CEO JOÃO MADUREIRA CTO Founded 2005 Location Aveiro Segment PAYMENTS Status ACTIVE ALLOW BUSINESSES, ONLINE STORES, SCHOOLS, CLUBS, ASSOCIATIONS AND MUNICIPALITIES TO ISSUE MULTIBANCO REFERENCES IN THEIR DOCUMENTS OR WEBSITES. FILIPE MOURA CEO

36. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 36 Founded 1996 Location Lisbon Segment SOFTWARE Status ACTIVE INFOSISTEMA IS A TECHNOLOGY AND BUSINESS CONSULTING COMPANY PROVIDING SYSTEMS OF ENGAGEMENT, INTEGRATION AND ADVANCED ANALYTICS SOLUTIONS TO BANKING AND INSURANCE COMPANIES. JORGE PEREIRA CO-FOUNDER GONÇALO CAEIRO CO-FOUNDER ALEXANDRE DO MONTE LEE CO-FOUNDER Founded 2009 Location Lisbon Segment INVOICING Status ACTIVE INVOICEXPRESS IS AN ONLINE INVOICING SOFTWARE. ITS' SIMPLE AND INTUITIVE INTERFACE MAKES YOUR LIFE EASIER, LET'S FACE IT INVOICING IS NOT AS SMOOTH AS YOU'D LIKE. IT IS TARGETED SPECIALLY TO MICRO, SMALL AND MEDIUM ENTERPRISES - AND FREELANCERS. RUI PEDRO ALVES CEO Founded 2018 Location Oporto Segment - Status ACTIVE ITSCREDIT IS A GROWING SOFTWARE COMPANY FOCUSED ON INNOVATIVE AND DISRUPTIVE CREDIT SOLUTIONS AND THEIR OVERALL IMPLEMENTATION, COUNTING ON A SPECIALISED TEAM WITH OVER 15 YEARS’ EXPERIENCE AND PROVIDING SHORT IMPLEMENTATION TIMELINES. JOÃO LIMA PINTO CEO ANTÓNIO MONTEIRO CO-FOUNDER

37. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 37 Founded 2005 Location Oporto Segment - Status ACTIVE WE ARE A SOFTWARE DEVELOPMENT COMPANY SPECIALIZED IN DIGITAL TRANSFORMATION FOR FINANCIAL INSTITUTIONS. SINCE OUR ESTABLISHMENT IN 2005, WE’VE BEEN EMPOWERING USERS AROUND THE WORLD TO EASILY ENGAGE WITH CORPORATE APPLICATIONS, CHANGING PEOPLE'S LIVES THROUGH INNOVATION AND SPECIALIZED KNOWLEDGE. RENATO OLIVEIRA CEO Founded 2011 Location Braga Segment SOFTWARE Status ACTIVE VAT MANAGEMENT IN AN EASY, FAST AND INTUITIVE FORM. A MOBILE APPLICATION FOR INDEPENDENT WORKERS, WITH A SIMPLIFIED VAT REGIME. CARLOS CASTRO FOUNDER / MOBIWARE Founded 2018 Location Madrid Segment CROWDFUNDING Status ACTIVE CROWDFUNDING PLATFORM, APPROVED AND REGULATED BY THE CMVM (PORTUGUESE SECURITIES MARKET COMMISSION), GATHERING REAL ESTATE DEVELOPERS WITH SHORT TERM FINANCING NEEDS WITH QUALIFIED INVESTORS WILLING TO FINANCE THOSE NEEDS. BERNARDO FARIA E MAIA MANAGING DIRECTOR RUI CESARIO PEREIRA MANAGING DIRECTOR

38. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 38 Founded 2013 Location New York Segment AI / BIG DATA Status ACTIVE JAMES, FORMERLY KNOWN AS CROWDPROCESS, IS A DATA SCIENCE COMPANY RESPONSIBLE FOR THE RISK MANAGEMENT TOOL WITH THE SAME NAME THAT HAS BEEN ADOPTED BY FINANCIAL INSTITUTIONS IN EUROPE, US, AND AFRICA. JOÃO ABIUL MENANO CO-FOUNDER / CEO PEDRO GABRIEL FONSECA CO-FOUNDER / VP DATA SCIENCE Founded 2014 Location Oporto Segment SECURITY Status ACTIVE LEADER IN #JAVASCRIPT APPLICATION INTEGRITY AND ONLY CLIENT -SIDE #RASP SOLUTION TO MAKE APPS SELF- DEFENSIVE AGAINST TAMPERING AND REVERSE -ENGINEERING #APPSEC RUI RIBEIRO CEO PEDRO FORTUNA CO-FOUNDER / CTO Founded 2017 Location Braga Segment BLOCKCHAIN Status - KIND COIN IS AN APPLICATION THAT ALLOWS YOU TO MAKE MONETARY DONATIONS THAT ARE CONVERTED INTO KIND COINS SO THAT INSTITUTIONS CAN ENJOY THEIR VALUE IN GOODS THAT ARE NEEDED BY INSTITUTIONS THROUGH CERTIFIED COMMERCIAL ESTABLISHMENTS. MARIA VIEIRA DA SILVA CEO

39. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 39 Founded 2004 Location Oporto Segment COMPARISON Status ACTIVE THE PRICE COMPARATOR NUMBER 1 OF PORTUGAL. PAULO PIMENTA CEO Founded 2013 Location Braga Segment INSURANCE Status ACTIVE DEVELOPMENT OF INSURANCE SOFTWARE SOLUTIONS. LEANDRO FERNANDES CEO Founded 2015 Location Braga Segment SECURITY Status ACTIVE LOQR PROVIDES ADAPTIVE AUTHENTICATION SECURITY SOLUTIONS. WE ARE DEPLOYING WORLD LEADING CLIENT RECOGNITION AND ACCESS MANAGEMENT SYSTEMS. RICARDO COSTA FOUNDER / CEO PEDRO BORGES CTO

40. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 40 Founded 2007 Location Vila Nova Gaia Segment PAYMENTS Status ACTIVE WE OFFER PAYMENTS BY MOBILE PHONE AND REFERENCES MULTIBANCO AND PAYSHOP SO THAT THE INVOICES OF YOUR COMPANY CAN BE EASILY PAID. JOSÉ ANTÓNIO RIBEIRO CEO Founded 2015 Location Lisbon Segment INVOICING Status ACTIVE MAGNIFINANCE IS A FINANCIAL MANAGEMENT PLATFORM FOR BUSINESSES. WE WANT MANAGERS TO BE ABLE TO RUN THEIR BUSINESS' MONEY IN JUST 5 DAILY MINUTES. MAGNIFINANCE AUTOMATES 90% OF ALL FINANCIAL MANAGEMENT TASKS AND DOES ALL THE HEAVY LIFTING SO YOU CAN MANAGE YOUR FINANCES WITH NO TYPING. JORGE RODRIGUES SANTOS CEO Founded - Location - Segment BLOCKCHAIN Status - MXL OR MARKET XL WILL BE A DECENTRALIZED MARKETPLACE FOR A NEW WORLD WITH DECENTRALIZED CURRENCIES AND DECENTRALIZED SERVICES. CARLOS AFONSO CEO

41. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 41 Founded - Location Lisbon Segment PAYMENTS Status ACTIVE THE MB WAY APP IS THE FIRST INTERBANK SOLUTION THAT ALLOWS YOU TO MAKE INSTANT PURCHASES AND TRANSFERS USING YOUR SMARTPHONE OR TABLET. MADALENA CASCAIS TOMÉ CEO / SIBS Founded 2012 Location Lisbon Segment PAYMENTS Status ACTIVE MEO WALLET IS A FAST, SECURE AND INNOVATIVE WAY TO MAKE AND RECEIVE PAYMENTS ON YOUR PHONE, ON YOUR COMPUTER AND ON THE TV. JOÃO ZÚQUETE DA SILVA CCO / ALTICE PORTUGAL Founded 2012 Location Lisbon Segment BLOCKCHAIN Status - M-ESKUDO IS A YOUNG COMPANY OPERATING IN THE AREA OF DIGITAL BANKING AND DIGITAL PAYMENTS THAT AIMS TO CHANGE THE WAY WE BANK AND PAY, CONNECTING USERS, MERCHANTS, FINANCIAL AND PAYMENT INSTITUTIONS UNDER A TECHNOLOGICAL “ANYWHERE, ANYTIME, REAL -TIME” DEDICATED PLATFORM. MANUEL VALADAS PRETO FOUNDER / CEO

42. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 42 Founded 2012 Location Lisbon Segment . Status ACTIVE MOLONI IS AN INNOVATIVE COMMERCIAL MANAGEMENT SOFTWARE DESIGNED FOR MICRO, SMALL AND MEDIUM-SIZED BUSINESSES AS WELL AS FOR PROFESSIONALS. NO INITIAL INVESTMENT, COMPLETE AND INTUITIVE. RUBEN COSTA CEO ÁLVARO SARAIVA CO-CEO Founded 2002 Location Lisbon Segment SECURITY Status ACTIVE AT MULTICERT, WE ARE FOCUSED IN ELECTRONIC CERTIFICATION AND ELECTRONIC COMMUNICATIONS /TRANSACTIONS SECURITY, OFFERING SEVERAL SECURITY SOLUTIONS FOR INDIVIDUALS, COMPANIES AND EVEN COUNTRIES. JORGE ALCOBIA CEO Founded 2018 Location - Segment CROWDFUNDING Status - MUTUALL IS A COLLABORATIVE FUNDING PLATFORM IN PORTUGAL DEDICATED TO SUSTAINABLE REAL -ESTATE CROWDFUNDING PROJECTS WITH REAL MORTGAGE GUARANTEES IN FAVOR OF INVESTORS. BRUNO FERREIRA -

43. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 43 Founded 2017 Location Lisbon Segment INSURTECH Status - WE ARE WORKING ON A ALL-IN-ONE SOLUTION TO ACT AS A CONCIERGE SERVICE TO ELIMINATE ALL PAIN POINTS ABOUT ONE’S INSURANCE NEEDS. WE WANT OUR CUSTOMERS TO CONSOLIDATE ALL INSURANCE INFO IN ONE PLACE AND HAVE ONE SINGLE POINT OF CONTACT FOR EVERYTHING REGARDING THEIR INSURANCE. DUARTE LEITE DE CASTRO CO-FOUNDER Founded 2017 Location Lisbon Segment LENDING Status ACTIVE NETINVOICE IS A DIGITAL MARKETPLACE FOR PLACEMENT WITH QUALIFIED INVESTORS OF CREDITS ORIGINATED FROM COMMERCIAL TRANSACTIONS OF SMES, SUPPORTED BY INVOICES ISSUED AND CONFIRMED, IN ORDER TO HELP PORTUGUESE COMPANIES TO ACCESS LIQUIDITY IN A FAST, TRANSPARENT AND EFFICIENT WAY. JOÃO CASTRO PINHEIRO CEO Founded 2017 Location Lisbon Segment AI Status - ODYSAI FOCUSES ON THE DEVELOPMENT OF HIGHLY INNOVATIVE PRODUCTS THAT TACKLE COMPLEX CHALLENGES USING ARTIFICIAL INTELLIGENCE. JOÃO COSTA FERNANDES CEO

44. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 44 Founded 2013 Location Lisbon Segment PAYMENTS Status ACTIVE MOBILE CHARGING, PAYMENT OF INVOICES AND TAXES, TICKETS FOR BLUETICKET SHOWS AND CASH VOUCHERS OF EMONEY, AT ALL PAGAQUI POINTS! JOÃO BARROS CEO Founded 2015 Location Lisbon Segment PAYMENTS Status ACTIVE THE COMPANY IS FOCUSED ON INSTALLMENT PAYMENTS THROUGH CREDIT CARDS, AT NO COST WHATSOEVER FOR END CUSTOMERS. THE DEVELOPED SOFTWARE ALLOWS END CUSTOMERS TO PAY THEIR PURCHASED PRODUCTS OR SERVICES OVER THE STORE COUNTER FROM 2 TO 12 TIMES WITH THEIR CREDI T CARD, WITHOUT ANY INTEREST OR CHARGES AND WITHOUT ANY BUREAUCRACIES OR WAITING TIME FOR CREDIT APPROVAL. MIGUEL QUINTAS FOUNDER / MANAGING DIRECTOR Founded 2015 Location Lisbon Segment AI Status ACTIVE WE ARE A FINTECH COMPANY DEDICATED TO PROVIDING ARTIFICIAL INTELLIGENCE SOLUTIONS TO THE INVESTMENT INDUSTRY. THE FINANCIAL MARKET HAS REACHED A POINT WHERE THE BUILDING BLOCKS FOR AI ARE BECOMING LARGELY ESTABLISHED. PAULO CARDEIRA GOMES FOUNDER

45. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 45 Founded 2014 Location Lisbon Segment WALLET Status - PASSWORKS IS A TECHNOLOGY START -UP THAT DEVELOPED A MOBILE WALLET SOLUTION THAT LEVERAGES DIFFERENT MOBILE WALLETS TECHNOLOGIES, SUCH AS APPLE WALLET OR ANDROID PAY, IN ONE SINGLE PLATFORM, ALLOWING OUR CUSTOMERS TO CREATE CONTENT FOR THE MOBILE WALLETS AND MANAGE THE ENTIRE LIFE CYCLE EASILY. FRANCISCO BELO CO-FOUNDER / CEO LUIS MENDES CO-FOUNDER / CTO Founded 2014 Location - Segment PAYMENTS Status ACTIVE PAYSHOP IS A SERVICE THAT ALLOWS THE CHARGING OF MOBILE PHONES AND TRANSPORT TICKETS, PAYMENT OF VARIOUS BILLS LIKE TELEPHONE, ELECTRICITY, WATER, GAS, TELEVISION, TAXES AND TOLLS, AMONG OTHERS. HELENA RODRIGUES CEO Founded 2015 Location Oporto Segment SECURITY Status ACTIVE POLYGON IS A PORTUGUESE TECHNOLOGY COMPANY SPECIALIZED IN THE DEVELOPMENT OF MULTIMODAL BIOMETRICS INTERNET AND MOBILE PHONE SOLUTIONS. ALBERTO ARAÚJO LIMA CEO

46. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 46 Founded 2015 Location Lisbon Segment CROWDFUNDING Status - PORTUGAL CROWD IS A PLATFORM THAT AIMS TO CONNECT PEOPLE WHO WANT TO INVEST, LENDING AND RECEIVING A CERTAIN PROFITABILITY, TO PEOPLE OR COMPANIES, WHO WANT TO RECEIVE A LOAN AND HAVE A PROPERTY THAT CAN BE DELIVERED AS A GUARANTEE. BRUNO LIBREIRO CEO Founded 2016 Location Lisbon Segment ASSOCIATION Status ACTIVE PORTUGAL FINTECH IS A NON-PROFIT ASSOCIATION OF FINANCIAL TECHNOLOGY (FINTECH). THE ASSOCIATION'S MISSION IS TO CREATE THE BEST CONDITIONS FOR THE DEVELOPMENT OF FINTECH, INSURTECH AND CYBERSECURITY STARTUPS IN PORTUGAL. MARGARIDA MENDES DA MAIA EXECUTIVE TEAM Founded 2011 Location Lisbon Segment CROWDFUNDING Status ACTIVE THE CROWDFUNDING PLATFORM OF REFERENCE IN PORTUGAL! YOANN NESME CO-FOUNDER / MANAGER PEDRO DOMINGOS CO-FOUNDER / MANAGER PAULO SILVA PEREIRA CO-FOUNDER

47. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 47 Founded 2018 Location Oporto Segment LENDING Status ACTIVE AT PRAZO.PT WE ARE MAKING THE PATH TO DIGITAL FACTORING, CREATING VALUE FOR SUPPLIERS, BUYERS, PARTNERS AND FUNDERS. PEDRO FERNANDES CEO Founded 2016 Location Switzerland Segment SECURITY Status - WE DEVELOP FULL-SPECTRUM, USER-FRIENDLY SOLUTIONS WHICH GUARANTEE THE SECURITY AND PRIVACY OF ALL YOUR DIGITAL COMMUNICATIONS. HENRIQUE CORRÊA SILVA CEO LUIS D'ALMEIDA CTO Founded - Location Lisbon Segment INCUBATOR Status ACTIVE PROTECHTING SUPPORTS INNOVATIVE STARTUP PROJECTS IN THE AREAS OF PROTECTION AND PREVENTION, SERVICES (IN FINTECH AND INSURTECH) AND HEALTH. JOSÉ VLLA DE FREITAS MARKETING MANAGER FIDELIDADE

48. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 48 Founded 2017 Location Singapore Segment BLOCKCHAIN Status - QUANTA IS THE WORLD’S FIRST COMMUNITY -DRIVEN DECENTRALIZED EXCHANGE. AFONSO BARBOSA CO-FOUNDER / CMO / COO QUOC LE CO-FOUNDER / MANAGING DIRECTOR Founded 2017 Location Singapore Segment COMPARISON Status ACTIVE AUTOMOTIVE INSURANCE SIMULATOR. IN LESS THAN 3 MINUTES WITH A SINGLE SIMULATION CHECK AND COMPARE THE OFFERS OF VARIOUS INSURANCE COMPANIES. MIGUEL TEIXEIRA COFOUNDER / CEO Founded 2013 Location Lisbon Segment LENDING Status ACTIVE RAIZE IS THE LARGEST PEER-TO-PEER LENDER IN PORTUGAL AND ONE OF THE FASTEST GROWING IN IBERIA. WE OPERATE OUR OWN PAYMENTS INSTITUTION REGULATED BY THE BANK OF PORTUGAL MAKING US ONE OF THE MOST SOLIDLY REGULATED PLATFORMS IN EUROPE. JOSÉ MARIA REGO CO-FOUNDER AFONSO FUZETA EÇA CO-FOUNDER ANTÓNIO MARQUES CO-FOUNDER

49. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 49 Founded 2000 Location Lisbon Segment SOFTWARE Status ACTIVE SAPHETY IS A LEADING COMPANY IN SOLUTIONS FOR ELECTRONIC DOCUMENTS EXCHANGE, ELECTRONIC INVOICING AND DATA SYNCHRONIZATION AMONGST COMPANIES. RUI FONTOURA CEO Founded 2009 Location Paris Segment BIG DATA Status - SECURIBOX CLOUD-BASED SOLUTIONS OF DATA AND DOCUMENTS AGGREGATION, ORGANIZATION AND ANALYSIS ALLOW US TO PROVIDE YOU WITH INFORMATION THAT REALLY MATTERS. JOÃO RODRIGUES CO-FOUNDER / CTO BRUNO FORNI CO-FOUNDER Founded 2018 Location Oporto Segment CROWDFUNDING Status ACTIVE SEEDIMO IS THE FIRST PORTUGUESE PLATFORM FOR REAL ESTATE CROWDFUNDING. THROUGH OUR PLATFORM, WE OFFER ACCESS TO A COMMUNITY OF REAL ESTATE INVESTORS. FERNANDO BELEZAS CO-FOUNDER / CEO

50. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 50 Founded 2009 Location London Segment CROWDFUNDING Status ACTIVE SEEDRS IS THE WORLD’S LEADING EQUITY CROWDFUNDING PLATFORM. WE MAKE IT SIMPLE FOR ANYONE - FROM ANGELS AND VENTURE CAPITALISTS, TO FRIENDS AND FAMILY - TO BECOME INVESTORS IN AMBITIOUS, GROWTH-FOCUSED EUROPEAN BUSINESSES. CARLOS SILVA CO-FOUNDER JEFF LYNN CO-FOUNDER BEN ARONSTEN CMO Founded 2008 Location Braga Segment SOFTWARE Status ACTIVE OUR MAIN FOCUS IS IN EXPLORING INNOVATIVE IDEAS AND DEVELOPING INFORMATION SOLUTIONS, INCLUDING MULTIPLATFORM APPLICATIONS, WEB APPLICATIONS, SYSTEMS INTEGRATION AND INFRASTRUCTURE IMPLEMENTATION. WE HAVE EXPERIENCE IN SUCH DIVERSE INDUSTRIES AS FINANCIAL SERVICES, RETAIL, REAL ESTATE, CYBERSECURITY AND BIOINFORMATICS. JORGE PEREIRA CEO / FOUNDER Founded 2012 Location Castelo Branco Segment - Status ACTIVE SHOPKIT IS A SERVICE THAT ALLOWS YOU TO CREATE YOUR ONLINE STORE EASILY, CONVENIENTLY AND APPROPRIATE TO YOUR TYPE OF BUSINESS. THE PROCESS IS SIMPLE AND FAST. IN 5 MINUTES, YOU'RE READY TO START SELLING YOUR PRODUCTS ONLINE. ANDRÉ CASTRO FOUNDER

51. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 51 Founded 1982 Location Lisbon Segment PAYMENTS Status ACTIVE WITH MORE THAN THREE DECADES OF EXISTENCE, SIBS OFFERS TO MORE THAN 300 MILLION USERS THE MOST MODERN, RELIABLE AND SECURE FINANCIAL SERVICES, NAMELY IN THE PAYMENTS AREA. MORE THAN THREE BILLION TRANSACTIONS ARE PROCESSED BY SIBS, WHICH RESULTS AS ONE OF THE LARGEST PAYMENT PROCESSORS IN EUROPE. THE MOST RECOGNIZED BRANDS ARE MULTIBANCO, MB WAY AND MB NET. MADALENA CASCAIS TOMÉ CEO / SIBS MARIA ANTÓNIA SALDANHA BRAND AND COMUNICATIONS DIRECTOR Founded - Location Lisbon Segment INCUBATOR Status ACTIVE SIBS INCUBATOR. WITH MORE THAN THREE DECADES OF EXISTENCE, SIBS OFFERS TO MORE THAN 300 MILLION USERS THE MOST MODERN, RELIABLE AND SECURE FINANCIAL SERVICES, NAMELY IN THE PAYMENTS AREA. MARIA ANTÓNIA SALDANHA DIRECTOR Founded 2016 Location Lisbon Segment DISCOUNT Status - SPINDOTS IS THE 1ST SOCIAL NETWORK THAT ALLOWS THE EXCHANGE AND THE OFFER OF DISCOUNTS AMONG CONSUMERS. JOSÉ PEDRO GONÇALVES CO-FOUNDER / CEO ANTÓNIO MENDES CO-FOUNDER / COO MANUEL NAPOLEÃO LEAL CO-FOUNDER / SSM

52. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 52 Founded 2014 Location London Segment AI / REGTECH Status ACTIVE SUADE PROVIDES FINANCIAL INSTITUTIONS WITH A DATA -DRIVEN SOFTWARE PLATFORM TO DELIVER THEIR REGULATORY REQUIREMENTS. THE COMPANY WORKS CLOSELY WITH FINANCIAL INSTITUTIONS IN DEVELOPING AN INDUSTRY-LED SOLUTION. DIANA PAREDES CO-FOUNDER / CEO MURAT ABUR CO-FOUNDER / CTO Founded 2014 Location Oporto Segment PAYMENTS Status - ACCEPT WHICHEVER PAYMENT METHOD YOUR CUSTOMERS PREFER WITHOUT DEALING WITH COUNTLESS PAYMENT PROVIDERS. ANDRÉ TAVARES CO-FOUNDER PEDRO CAMPOS CTO RUCA SOUSA MARQUES EXECUTIVE DIRECTOR Founded 2012 Location Cambridge Segment INVESTMENT Status ACTIVE PIONEERED THE INVESTOR-LED MODEL WHICH IS BEHIND THE VISION FOR SYNDICATEROOM AS THE MOST INNOVATIVE ONLINE EQUITY INVESTMENT PLATFORM. SYNDICATEROOM HELPS COMPANIES RAISING FINANCE FROM IDEA STAGE ALL THE WAY UP TO IPO IN THE LONDON STOCK EXCHANGE. GONÇALO DE VASCONCELOS CO-FOUNDER / CEO TOM BRITTON CO-FOUNDER GRAHAM SCHWIKKARD COO

53. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 53 Founded 2018 Location Lisbon Segment BLOCKCHAIN Status - WE'RE CREATING THE FIRST BLOCKCHAIN OPEN INNOVATION PLATFORM. MÁRIO RIBEIRO ALVES FOUNDER / CEO Founded 2016 Location Switzerland Segment PAYMENTS Status ACTIVE UTRUST IS A GROUND-BREAKING PAYMENT PLATFORM THAT EMPOWERS BUYERS TO PAY WITH THEIR FAVORITE CRYPTOCURRENCIES WHILE PROVIDING THE BEST CONSUMER PROTECTION IN THE MARKET. NUNO CORREIA CO-FOUNDER / CEO ARTUR GOULÃO FERREIRA CO-FOUNDER / CTO FILIPE CASTRO CO-FOUNDER / CIO Founded - Location London Segment PAYMENTS Status - NEW FINTECH STARTUP FOCUSED ON DEVELOPING INNOVATIVE SOLUTIONS FOR PAYMENTS MARKET. SIMPLIFYING THE EXPERIENCE FOR CONSUMERS. LUIS FERREIRA CEO

54. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 54 Founded 1991 Location Lisbon Segment PAYMENTS Status ACTIVE VIA VERDE WAS BORN IN 1991 AS AN INNOVATIVE TECHNOLOGICAL SOLUTION THAT ALLOWED DRIVERS TO PAY TOLL CHARGES WITHOUT STOPPING THEIR VEHICLES. SINCE THEN WE HAVE BEEN ENRICHING OUR RANGE OF SERVICES WITH SEVERAL APPLICATIONS FOR THE VIA VERDE IDENTIFIER: PAYMENTS IN GALP FUEL STATIONS, PARKING LOTS AND MCDRIVE ESTABLISHMENTS, AS WELL AS ACCESS CONTROL FOR HISTORICAL SITES. PEDRO MOURISCA CEO Founded 2018 Location Lisbon Segment BLOCKCHAIN Status ACTIVE WALLID IS THE FIRST BLOCKCHAIN PROTOCOL FOR CERTIFIED ID’S AS IT ALLOWS USERS TO STORE THEIRGOVERNMENTALLY ISSUED DOCUMENTS AND OTHER ID DOCUMENTS WITH DIGITAL CERTIFICATES IN THEIRETHEREUM WALLETS SO THEY CAN SIGN INSTANT TRANSACTIONS. FILIPE VEIGA Founder/CEO Founded 2014-2015 Location Lisbon Segment PAYMENTS Status INACTIVE WAZZA IS AN ONLINE PAYMENTS ANALYTICS PLATFORM. OUR MISSION IS TO MAKE PAYMENTS DATA SIMPLE, USEFUL AND UNDERSTANDABLE. DUARTE BARBOSA FOUNDER

55. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 55 Founded 2015 Location Lisbon Segment PAYMENTS Status ACTIVE YUBUY® IS AN INNOVATIVE INTERACTIVE TV COMMERCE SOLUTION THAT ALLOWS AN EASY, QUICK AND SECURE PURCHASE OF SERVICES AND GOODS, ALL OF WHICH ARE SEAMLESSLY INTEGRATED WITH THE TRADITIONAL LINEAR TV USER EXPERIENCE. MIGUEL CARVALHO FOUNDER / CEO Founded 2009 Location Lisbon Segment PAYMENTS Status - WE CREATE HARDWARE AND SOFTWARE SOLUTIONS THAT OPTIMIZE AND MAXIMIZE CASH MANAGEMENT AND PAYMENTS PROCESSES. PEDRO MOURATO GORDO CEO Founded 2012-2017 Location Oporto Segment INVESTMENT Status - ZERCATTO ALLOWS STOCK MARKET INVESTORS FROM ALL OVER THE WORLD TO TAKE A PEEK AT WHAT THE SUCCESSFUL EXPERTS ARE DOING ON THEIR OWN PORTFOLIOS. GASPAR D´OREY CO-FOUNDER

57. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 57 The future cannot be predicted, but futures can be invented. Dennis Gabor, “Inventing the Future”, 1963 Digitalization is no longer a channel; it’s a new paradigm for leading financial institutions. The wide adoption of FinTech will continue to disrupt the industry, making it more customer-centered. Data and artificial intelligence are the pillars of innovation. Analytics will aid in creating more personalized services, and virtual assistants and chatbots will provide better efficiency and more seamless user experiences. The use cases of voice user interfaces (VUIs) in financial services are currently mostly limited to checking balances and paying bills. The next step is more personalized solutions, financial coaching, and seamless guidance through different interfaces. Cashless payments are becoming a new norm for young consumers, and banks are working toward satisfying the need for mobile money transfers, online banking, and end-to- end financial services. Over 70% of payments are fulfilled via mobile devices. Sixty-seven percent of millennials don’t have a credit card. These days, smartphones are often the only way people shop, entertain, do business, or do anything digital. Contactless cards are seen as the new normal. The young generation is excited about the possibility of banking through non-traditional financial organizations. Amazon? Facebook? Looks great! Traditional bank? Leave it to my grandma. GAFA (Google, Apple, Facebook, and Amazon) have millions of customers, the credit card data of those customers, and can offer highly tailored products. The Partnership between financial institutions and FinTech companies will become essential in the fully digital landscape of 2019.

58. P O R T U G U E S E F I N T E C H L A N D S C A P E 2 0 1 8 - 2 0 1 9 58 THANK YOU #f int ec h Po rtu ga l po rtu ga l@f int ec h. pt www .f int ec h. pt Fin te ch Por tug a l 20 18

Portuguese Fintech Landscape 2018-2019

Augusto F. Santos

Portuguese Fintech Landscape 2018-2019