Pedro Cervera

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.

Apoyo a la creación y consolidación en Aragón de empresas innovadoras.

La Asociación Española de Leasing y Renting fue fundada en 1978 para representar los intereses de las empresas que operan en España en el sector del arrendamiento financiero (Leasing) y del arrendamiento operativo (Renting) y fomentar el conocimiento y utilización de estas dos fórmulas financieras tanto entre las empresas y los autónomos como entre los particulares en general. En su seno están presentes la casi totalidad de los operadores del mercado del Leasing -siendo entidades de todos los sectores de la actividad crediticia sometidas a la tutela y supervisión del Banco de España-, y una muestra significativa de empresas especializadas en servicios de arrendamiento de toda clase de bienes.

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.

Ibercaja Mediación de Seguros, somos un operador de bancaseguros vinculado, con más de 30 años de experiencia en el sector asegurador. Trabajamos diariamente para poder ofrecer a nuestros clientes, particulares y empresas, la atención más profesional, asesorando tanto en las coberturas que mejor cubren los riesgos específicos de cada asegurado como en el momento de la prestación. El compromiso, la innovación, el esfuerzo y ponernos en la situación de nuestro cliente son algunos de los rasgos que definen al equipo de profesionales que forman parte de Ibercaja Mediación de Seguros. Gracias al trabajo en equipo junto a la red de oficinas de Ibercaja hemos podido alcanzar más de un millón de pólizas de riesgo en todo el territorio nacional.

Asociación profesional sin ánimo de lucro, con personalidad jurídica propia y patrimonio independiente del de sus asociados. Se rige por estatutos propios, además de serle aplicable la legislación específica sobre asociaciones. Servir de foro para el diálogo y la innovación interbancarios para promover y desarrollar ideas de interés para el sector de las entidades de crédito hasta el punto necesario a su viabilidad. Servir de vehículo para el desarrollo y funcionamiento de los proyectos que se decida mantener en su ámbito, combinando su capacidad jurídica con la libertad de los miembros que decidan sumarse a cada uno.

Apoyo a la creación y consolidación en Aragón de empresas innovadoras.