Alfonso Ayuso

Asociación Española de FinTech e InsurTech AEFI tiene como objetivo crear un entorno favorable para el desarrollo de Startups y empresas FinTech e InsurTech en España, realizando labores de interlocución, comunicación y colaboración con los organismos y agentes relevantes del sistema, tanto a nivel nacional como internacional, para ayudar al desarrollo de su ecosistema.

PAYCOMET is an omnichannel payment platform that helps companies to sell and collect on products and services worldwide, safely and easily, and which can be integrated into any environment, whether in person or online. Among its services and solutions are the payment gateway, virtual POS, IVR, card tokenization for hotel reservations, escrow for online platforms, and tools for fraud management. The company proved to be a pioneer in Spain when it obtained the PCI-DSS Level 1 certification in 2013. In 2017 it obtained a license from the Bank of Spain to operate as a Payment Institution, and in 2018 it was acquired by InnoCells, the digital business hub and corporate venture vehicle of Banco Sabadell. With offices in Barcelona, Bilbao, and Madrid, PAYCOMET provides an advanced payment gateway service to start-ups and small businesses in the digital economy, as well as to large retailers and chain stores.

Bizum es una forma instantánea, fácil y segura de pagar con tu móvil. Un sistema de pago pensado para todos que funciona de una cuenta bancaria a otra y que está integrado en la app de tu banco. Con ella podrás pagar a tus amigos, comprar en comercios y en tiendas online. Se trata de un servicio impulsado por la banca española que conecta las cuentas bancarias actuales de los clientes vinculándolas a su número de teléfono móvil (no es necesario conocer ningún código IBAN). Actualmente ya son más de 30 entidades bancarias las que ofrecen los servicios de Bizum, que representan una cuota de mercado superior al 99%.

Industry: Fin-tech – online lending Instant Credit is the first pan-European online credit origination platform focused on digital channels. We use innovation and technology to improve the way consumers access financing, and to boost merchants'​ sales while offering our partner financial institutions access to new, high-volume lines of business and customers. Instant Credit provides e-shoppers with instant point-of-sale financing for their online purchases allowing them to buy now and pay later in monthly installments. www.instantcredit.net

InnoCells is the hub of new digital ventures of Banco Sabadell. It is the union of two ways of understanding business: the values of the startup world and the experience of Banco Sabadell. A place where design, strategy and technology generate new business opportunities. We act as a business builder, creating and fostering new digital ventures. We collaborate with startups and big corporates and make digital strategic investments to accelerate the productive capacity of InnoCells. One of our main goals is to attract great talent within the innovation and entrepreneurial ecosystems. Discover more about us at http://www.innocells.io/en.

If you are interested or need to enable a DIGITAL PAYMENT project or service, count on Redsys. We have been in the business for more than 30 years, knowing it DEEPLY, developing it in SPAIN, EUROPE and LATIN AMERICA. We are EXPERTS in EMV, contactless, tokenization, ATMs, issuance (ADVANTIS), acquiring, wallets, P2P payments (we process BIZUM), POS management ... Of course, also in ELECTRONIC COMMERCE, with one of the most prominent and powerful e-gateways. -commerce (with EASY plug & play INTEGRATIONS: Prestashop, Magento, Woocoomerce (Wordpress), OpenCart, ZenCart, OsCommerce, Virtuemart...) In addition, we broadly cover the fields of CYBERSECURITY, CERTIFICATION (of devices and protocols) and CHARGEBACKS management. Our numbers in 2020: - More than 2,770 MILLION purchase operations in Issuance - More than 2,350 MILLION purchase operations in Acquisition All the prestigious and solid SPANISH BANKING TRUST IN US. We are Self Approval Company for MASTERCARD and a laboratory authorized by VISA for Spain, Andorra, Brazil ... As if that were not enough, we are also a technology company in the HEALTHCARE and TELEMEDICINE sector. And in MOBILITY and TRANSPORTATION (with the Transys service)... We could continue to overwhelm you with impressive business volume figures from our entire network of terminals and operations processed with security, comfort and transparency for users and businesses... ____________________________________________________________________________ But we don´t want that. What we want, what we really care about, is to HELP YOU CARRY OUT your projects and digital payment needs. It is what we do best. And what really amuses us (not boring figures). And we think that you are interested in a real, quality, safe and reliable service. We can give it to you, with customized SOLUTIONS. If you want to know more about REDSYS, we will be happy to assist you. www.REDSYS.es www.ADVANTIS.es www.BIZUM.es www.REDSYSSALUD.es

Iberpay is the Spanish Payment Service Company. Its main purpose is to manage the Spanish interbank payments infrastructure (SNCE) which is specialised in the processing, clearing and settlement of transactions between financial institutions. It is also entrusted with the management of the Spanish Cash Logistics System (SDA) implemented by the Bank of Spain, and provides other added value services in terms of payments. Iberpay plays a critical role in a developed and complex society by contributing, through its payment rulebooks and infrastructures, to the agile flow of funds, goods and services among citizens and businesses, committing to the progress of the country as a whole. Its purposes are those of an Interbank Clearing House and of a payment system provider for domestic and foreign entities. Iberpay bases its activity on specialisation, experience and the ability to develop its products under the general agreement of the Spanish financial community, the majority of which participates in the services the company provides (more than 160 entities). Iberpay is a highly technological company managing state-of-the art, highly efficient and competitive systems, such as its platform CICLOM which ensures high capacity and the capability of handling millions of daily transactions of the instruments processed, these being, in the main, instant credit transfers, credit transfers, direct debits, request to pay, cheques and bills of exchange. Iberpay was created from the start with a clear international vocation, being mainly responsible for the Spanish implementation of SEPA, and supports its cross-border activity by interoperability agreements with its European counterparts. These agreements provide a network and schemes that grant reachability to almost all European banks. Iberpay also develops an intense strategic and tactical activity in many Latin American countries.

Consorcio multisectorial promovido por empresas e instituciones para el establecimiento de una infraestructura semipública permisionada Blockchain, que soporte servicios con eficacia legal en el ámbito español y acorde con la regulación europea.

Banco Santander (SAN SM) is a leading commercial bank, founded in 1857 and headquartered in Spain and one of the largest banks in the world by market capitalization. The group’s activities are consolidated into five global businesses: Retail & Commercial Banking, Openbank, Corporate & Investment Banking (CIB), Wealth Management & Insurance and Payments. This operating model allows the bank to better leverage its unique combination of global scale and local leadership. Santander aims to be the best open financial services platform providing services to individuals, SMEs, corporates, financial institutions and governments. The bank’s purpose is to help people and businesses prosper in a simple, personal and fair way. In the first quarter of 2026, Banco Santander had €1.4 trillion in total funds, more than 176 million customers, 6,600 branches and 185,000 employees.

Asociación Española de FinTech e InsurTech AEFI tiene como objetivo crear un entorno favorable para el desarrollo de Startups y empresas FinTech e InsurTech en España, realizando labores de interlocución, comunicación y colaboración con los organismos y agentes relevantes del sistema, tanto a nivel nacional como internacional, para ayudar al desarrollo de su ecosistema.

PAYCOMET is an omnichannel payment platform that helps companies to sell and collect on products and services worldwide, safely and easily, and which can be integrated into any environment, whether in person or online. Among its services and solutions are the payment gateway, virtual POS, IVR, card tokenization for hotel reservations, escrow for online platforms, and tools for fraud management. The company proved to be a pioneer in Spain when it obtained the PCI-DSS Level 1 certification in 2013. In 2017 it obtained a license from the Bank of Spain to operate as a Payment Institution, and in 2018 it was acquired by InnoCells, the digital business hub and corporate venture vehicle of Banco Sabadell. With offices in Barcelona, Bilbao, and Madrid, PAYCOMET provides an advanced payment gateway service to start-ups and small businesses in the digital economy, as well as to large retailers and chain stores.

Business School especializado en Mercados de Capitales, Banca de Inversión y Finanzas Corporativas, Riesgos FInancieros, Innovación, Auditoría, Regulación y Gobierno Corporativo

Bizum es una forma instantánea, fácil y segura de pagar con tu móvil. Un sistema de pago pensado para todos que funciona de una cuenta bancaria a otra y que está integrado en la app de tu banco. Con ella podrás pagar a tus amigos, comprar en comercios y en tiendas online. Se trata de un servicio impulsado por la banca española que conecta las cuentas bancarias actuales de los clientes vinculándolas a su número de teléfono móvil (no es necesario conocer ningún código IBAN). Actualmente ya son más de 30 entidades bancarias las que ofrecen los servicios de Bizum, que representan una cuota de mercado superior al 99%.