Scale programme: FinTech Alumni

Discover our Scale: FinTech participants


Scale HR participant: Joboti

AAZZUR builds white-label products to enable banks, insurers and financial services companies to serve their customers on the next level of personalisation. 

AAZZUR works with banks and other financial services providers to:

  • Gain insights from transactional information
  • Use these insights to make financial product recommendations
  • Embed these financial products in existing channels (mobile, web etc)
  • Handle the end-to-end process of third-party product sales.

Applied Blockchain

Scale HR participant: Recruitment Smart Technologies

Applied Blockchain is a company specialising in confidential computing and blockchain technologies. They developed SILENTDATA a product platform that enables confidential open banking checks.

Open banking was designed to enable a competitive ecosystem of financial services applications. However, it inevitably leads to the spread of sensitive consumer and business information across multiple providers and systems. SILENTDATA addresses this problem by enabling checks to be performed on sensitive banking data in a confidential computing environment ensuring that the data cannot be revealed to anyone, not even to the platform providers.


Scale HR participant: theMatchBox

Getting the data right and getting the right data is crucial for financial institutions when it comes down to regulatory reporting. Therefore, financial institutions rely on b.fine to transform their time-consuming, inefficient reporting processes into an effective reporting supply chain. Through their unique mix of services and technology solutions, they are leading financial institutions from regulatory reporting towards regulatory intelligence.



Scale HR participant: Owiwi

Crossflow enables corporates and their suppliers to connect with institutional funders to access working capital on a real time basis. This helps corporates to reduce debt and supports ESG by enabling suppliers to improve their working capital by converting debt to cash ensuring that cash is available to invest in growth and creating jobs in their communities.

The technology underpinning the service was built through 4 years of R&D before launch ensuring scalability and security along with rapid implementation.


Scale HR participant:

Dabbl is a mobile application designed to make personal investing simple, accessible and affordable to everyone. Dabbl’s mobile application is focused on helping a generation of users who have lacked the confidence, tools and price point to be able to benefit from investing directly in the stock market, enabling them to explore, discover and invest in any company in a simple and affordable way.


Scale HR participant: Matterway

FinFlag markets B-CEPHAL, a no-code software suite dedicated to the back-offices of companies in the payment sector (cards-POS-ATM-fund transfer). 

The solution is non invasive, scalable, multi-users and customized by parametrization.

The solution encompasses several modules such as reconciliation, industry accounting, billing, budget & forecast, analytics, alerts, dashboard, ABC Costing…).


Scale HR participant: Sharpist

Lovys is the first 100% digital, all-in-one and flexible insurance provider in France. One single interface, one single monthly-subscription for all your insurance needs. Simple. Transparent. Personal. Subscription happens within 2 minutes at low cost (fully online) and offers flexibility to change contract at any time. Lovys provides one of the first personalized, user-centric insurance protection platforms.



Scale HR participant: Matterway

Penbox enables companies to fast-track the digitalization of their processes, especially when collecting documents and information. Their plug-and-play solution focuses on user experience, agility and security.

Collecting and structuring information represents up to 40% of handling time. Penbox speed of implementation helps you deliver solutions to business even on the low-volume processes.


Scale HR participant: Matterway

RiskConcile is a FinTech (RegTech) that provides risk and compliance technological solutions to the financial services industry, mainly asset managers. For instance, they have developed proprietary technology to assist our clients with PRIIPs, Transaction Costs and Annex IV AIFMD. They also develop bespoke technological solutions such as risk management reporting tools for hedge funds and data visualisation applications.

Their team consists of experienced financial services professionals, software engineers and data scientists who serve clients across the EU and the UK with a focus on the asset management industry.


Scale HR participant: Matterway

Urgentem is an independent provider of transparent emissions data and climate risk analytics to the finance industry:

  • Their Dataset provides a comprehensive time series of the Greenhouse Gas Protocol defined Scope 1, 2 and 3 emissions of the largest 4,500+ global companies, with modelled data available for 30,000+ securities.

  • Their Award-winning Climate Risk Platform Element6 offers a holistic view of climate risk at the company, sector and portfolio level.

  • Their Advisory and Research team enables organizations to meet their sustainable investing goals by developing a comprehensive overview of the climate-related risks and opportunities.


Testimonials from startups

“FinFlag had reached the point where we had successfully launched our product on the domestic market and now wanted to take it to the next level. This required looking beyond national borders and our personal experiences. The Scale programme was an energising combination of applied knowledge, concrete experience and authentic enthusiasm. 

The PwC team and FinTech experts were great, supporting us throughout the programme.  The coaching sessions were really valuable, as we were looking for input to accelerate growth and we got what we came for; we covered commercial growth, product design, organisation design, best marketing practices and business development approaches. We also appreciated the coaching sessions focused on creating a compelling offer to attract venture capital. Of course, as with any coaching programme,  what you get out of it depends on how much you put in.

Thanks to Scale we now have a strategic roadmap for the next three years. I’d recommend the programme to any startup who already has a product on the market but is looking to take it to the next level. For us, it was the perfect match.”

Solutions for the payment industry
Geoffroy Dupuis and Luc Gillain, Associate Partners

Geoffroy Dupuis FinFlag associate partner
Luc Gillain FinFlag associate partner

"We joined the Scale programme with the specific purpose of getting more exposure, by strengthening our relationship with PwC and connecting with potential customers and partners. That’s why the networking aspect of the programme was so appealing to us. We also met some other interesting scale-ups, with complementary offerings and a similar mindset. We hadn’t expected that, so it was an added bonus.

We had already been part of the StartIt@KBC accelerator programme, and so hadn't anticipated learning a lot more in terms of content. But we were pleasantly surprised. We especially appreciated the go to market ‘Channel Creator’ which shed new light on partner models and competition. Also the fact that some of the master classes went beyond sales, marketing and finance and focused on regulatory topics, cybersecurity and technology was much appreciated.

Another great thing about the programme is that it is open to the whole company. This meant we could send the right people to the different sessions, depending on the topic.  

If you’re looking to increase your exposure, boost your sales and marketing organisation and forge partnerships for the future, then the Scale programme is definitely value for money."

Klaas Van Imschoot, co-founder of b.fine and product manager of b.rx - a regulatory reporting platform for financial institutions

Klaas van Imschoot co founder bfine

"The PwC Scale | FinTech gave us a great opportunity to present to select PwC customers SILENTDATA, an open banking platform that enables queries on bank accounts without revealing the banking data. 

Scale also gave us the opportunity to develop new skills through high-quality masterclasses, and become part of a really innovative ecosystem. We have always been supported, through dialogue and sharing, receiving valuable feedback and strengthening the network of opportunities with potential industries.

This is our second PwC Scale programme, the first one being in the UK with a focus on Cyber. The Scale | FinTech programme was more aligned with our needs, and also offered openings back into Europe, following Brexit. Scale | FinTech is an experience that we would thoroughly recommend."

Adi Ben-Ari, Founder and CEO of Applied Blockchain

Adi Ben-Ari Founder CEO Applied Blockchain

Testimonials from corporates

“We’ve been clients of PwC for five years, so I really appreciated the invitation to attend the Executive event of the Fintech Scale programme. As a bank, we’re always interested in hearing about the latest innovation in our industry.  It was also an excellent occasion to build connections.”

David Yuan, CEO Nagelmackers

Connect with PwC Belgium

Required fields are marked with an asterisk(*)

By submitting your email address, you acknowledge that you have read the Privacy Statement and that you consent to our processing data in accordance with the Privacy Statement (including international transfers). If you change your mind at any time about wishing to receive the information from us, you can send us an email message using the Contact Us page.

Contact us

Griet Helsen

Griet Helsen

Partner, Entrepreneurial & Private Business, Culture & Innovation, PwC Belgium, PwC Belgium

Tel: +32 475 89 16 21

Elise Carton

Elise Carton

Senior Manager, PwC Belgium

Tel: +32 488 80 94 09

Enya Steenssens

Enya Steenssens

Senior Manager, PwC Belgium

Tel: +32 478 35 33 61