Advapay is a dynamic fintech company headquartered in Tallinn, Estonia, specializing in Core Banking software, Banking-as-a-Service (BaaS), and fintech consulting. Founded by experienced banking practitioners and fintech entrepreneurs, They offers a comprehensive suite of services designed to support the launch and growth of digital banking and fintech operations. Their offerings include robust Core Banking software, BaaS solutions, licensing services, and expert consulting. Advapay stands out in the industry by providing a holistic approach that encompasses software development, payment infrastructure, and legislative consultancy, enabling fintech companies to save time and resources while navigating the complexities of the financial sector. Year Founded: Advapay was established in 2018, marking its entry into the fintech industry with a mission to provide innovative banking solutions. CEO: Dmitri Laush leads Advapay as its CEO, bringing extensive experience and vision to drive the company’s growth and success. Headquarters: Advapay is headquartered in Narva mnt 7B, Tallinn, Harju maakond, Estonia, a hub for fintech innovation and development. Why Choose Advapay? Comprehensive Solutions: Advapay offers a full suite of services, including Core Banking software, Banking-as-a-Service (BaaS), and expert consulting. This means they can support your business at every stage, from initial setup to scaling operations. Expertise: Founded by experienced banking practitioners and fintech entrepreneurs, Advapay brings a wealth of industry knowledge and practical insights. Their team understands the complexities of the financial sector and can provide tailored solutions to meet your specific needs. Holistic Approach: Advapay’s services cover all aspects of fintech operations, including software development, payment infrastructure, and legislative consultancy. This end-to-end support ensures that you have everything you need to succeed in one place, saving you time and resources. Client-Centric: Advapay places a strong emphasis on understanding and meeting the unique needs of each client. They work closely with you to tailor their solutions, ensuring high satisfaction and successful outcomes. Their client-centric approach means you get personalized attention and solutions that truly fit your business.

EBANQ is a leading provider of white-label banking software, designed to offer a seamless and customizable banking experience. Their platform leverages cutting-edge cloud technology and a modular architecture, ensuring scalability and future-proofing for financial institutions. EBANQ’s software includes branded mobile apps for both iOS and Android, supports multiple languages, and offers various optional modules such as corporate access, OTP by SMS, and crypto banking. The platform is known for its clean, modern design that adapts to all devices and screen sizes, providing a fast and intuitive user experience. With a focus on innovation and user-friendliness, EBANQ aims to empower financial institutions to deliver top-notch digital banking services. Year Founded: EBANQ was established in 2014, marking the beginning of its journey in revolutionizing digital banking with innovative software solutions. CEO: The company is led by Michael Magnusson, who brings a wealth of experience and vision to the role, guiding EBANQ towards continuous growth and innovation in the fintech industry. Headquarters: EBANQ is headquartered in Amsterdam, a vibrant city known for its strong tech and financial sectors. This strategic location allows EBANQ to stay at the forefront of technological advancements and industry trends. Why Choose EBANQ? User-Friendly Design: The platform boasts a clean, modern interface that is intuitive and easy to navigate, ensuring a seamless user experience across all devices. Scalability and Flexibility: Built with state-of-the-art cloud technology and a modular architecture, EBANQ’s software is highly scalable and customizable, allowing financial institutions to adapt quickly to changing needs and demands. Comprehensive Features: EBANQ offers a wide range of features, including branded mobile apps for iOS and Android, multi-language support, and optional modules like corporate access, OTP by SMS, and crypto banking. This ensures that institutions can provide a full suite of digital banking services. Future-Proof Technology: The platform is designed to be future-proof, incorporating the latest advancements in technology to stay ahead of industry trends and regulatory requirements. Global Reach: With support for multiple languages and a design that adjusts to all devices and screen sizes, EBANQ is accessible to a global audience, making it an ideal choice for financial institutions worldwide.

Raiffeisen Bank International AG (RBI) is a prominent corporate and investment bank headquartered in Vienna, Austria. Established in 2010 through the merger of Raiffeisen Zentralbank Österreich AG and Raiffeisen International Bank-Holding AG, RBI has grown to become a key financial player in Austria and Central and Eastern Europe (CEE). The bank offers a wide range of services, including corporate banking, investment banking, retail banking, and market banking. Under the leadership of CEO Johann Strobl, RBI is committed to sustainability and aims to foster economic connections between Austria, CEE, and beyond. With its extensive network and focus on innovation, RBI continues to play a crucial role in the financial landscape of the region. Year Founded: RBI was established in 2010 through the merger of Raiffeisen Zentralbank Österreich AG (RZB) and Raiffeisen International Bank-Holding AG. This merger combined the strengths and expertise of both institutions, creating a more robust and comprehensive banking organization. CEO: Johann Strobl is the CEO of RBI. Under his leadership, the bank has continued to grow and innovate, focusing on sustainability, digital transformation, and providing tailored financial solutions to meet the diverse needs of its clients. His strategic vision has been instrumental in guiding RBI’s development and success in the competitive banking sector. Headquarters: RBI is headquartered in Vienna, Austria. This central location serves as a hub for its extensive operations across Austria and Central and Eastern Europe (CEE), fostering strong economic connections and driving financial growth in the region. Why Choose Raiffeisen Bank International AG (RBI)? Comprehensive Financial Services: RBI provides a wide array of financial services, including corporate banking, investment banking, retail banking, and market banking. This extensive range ensures that clients can find tailored solutions to meet their specific financial needs, whether they are individuals, small businesses, or large corporations. Sustainability Commitment: RBI is deeply committed to sustainability. The bank actively engages in initiatives that promote environmental, social, and governance (ESG) criteria. This means that RBI not only focuses on financial growth but also ensures that its operations contribute positively to society and the environment. Clients who prioritize sustainability will find RBI’s values aligned with their own. Innovation and Digital Transformation: RBI continuously invests in digital transformation, enhancing its technological infrastructure to provide seamless and efficient services. This focus on innovation ensures that clients benefit from the latest advancements in banking technology, making their banking experience more convenient and secure. Strong Regional Presence: With a robust network across Austria and Central and Eastern Europe (CEE), RBI fosters strong economic connections and provides tailored financial solutions. This extensive regional presence means that clients can rely on RBI’s local expertise and comprehensive understanding of the markets in which they operate. Experienced Leadership: Under the guidance of CEO Johann Strobl, RBI has a strategic focus on growth, sustainability, and innovation. Strobl’s leadership has been instrumental in driving the bank’s success and ensuring it remains a trusted partner for businesses and individuals alike.

TSB Bank, headquartered in Edinburgh, Scotland, has a rich history dating back to 1810 when it was originally established as the Trustee Savings Bank. Over the years, it has evolved through various transformations and mergers to become a prominent player in the UK banking sector. Under the leadership of CEO Robin Bulloch, TSB Bank offers a comprehensive range of personal and business banking services, including current accounts, savings accounts, mortgages, loans, and insurance. The bank is committed to providing convenient and accessible banking solutions through its online and mobile platforms, ensuring that customers can manage their finances with ease and confidence. Year Founded: TSB Bank was established in 1810 as the Trustee Savings Bank. It was created to promote savings among the working class and has since evolved through various transformations and mergers. This long history reflects the bank’s resilience and ability to adapt to changing economic landscapes. CEO:  Robin Bulloch is the current CEO of TSB Bank. Under his leadership, the bank focuses on enhancing customer experience through technological innovation while maintaining a strong commitment to community and customer service. His vision is to balance modern banking conveniences with the personal touch that TSB is known for. Headquarters: TSB Bank’s headquarters are located in Edinburgh, Scotland. This location is significant as it places the bank at the heart of one of the UK’s major financial centers. Edinburgh’s rich history and vibrant financial sector provide a strong foundation for TSB’s operations and growth. Why Choose TSB Bank? 1. Rich Heritage and Trust: With over 200 years of history, TSB Bank has built a strong foundation of trust and reliability. Their long-standing presence in the banking sector speaks volumes about their commitment to customers. 2. Comprehensive Services: TSB offers a wide range of personal and business banking services, including current accounts, savings accounts, mortgages, loans, and insurance. This ensures that all your financial needs are met under one roof. 3. Customer-Centric Approach: Under the leadership of CEO Robin Bulloch, TSB focuses on providing exceptional customer service. They prioritize customer satisfaction and work continuously to improve their offerings. 4. Technological Innovation: TSB Bank leverages modern technology to enhance the banking experience. Their robust online and mobile banking platforms make managing finances convenient and accessible anytime, anywhere. 5. Community Engagement: TSB is deeply committed to corporate social responsibility. They actively participate in community initiatives and support various charitable causes, reflecting their dedication to making a positive impact on society.

The Commonwealth Bank of Australia (CommBank), established in 1911, is one of the leading financial institutions in Australia. Headquartered in Sydney, CommBank offers a comprehensive range of financial services, including personal banking, business solutions, and institutional banking. Under the leadership of CEO Matt Comyn, the bank has consistently focused on innovation and customer-centric services. With its tagline “Can Lives Here,” CommBank emphasizes its commitment to empowering customers to achieve their financial goals. The bank’s extensive network and digital capabilities make it a key player in the Australian banking sector, providing reliable and accessible financial solutions to millions of customers. Year Founded: 1911: The Commonwealth Bank of Australia (CommBank) was established in 1911. This long history signifies over a century of experience and stability in the financial sector, making it one of the oldest and most trusted banks in Australia. CEO: Matt Comyn: Matt Comyn is the current Chief Executive Officer of CommBank. As the CEO, he is responsible for leading the bank’s strategic direction and operations, ensuring that CommBank continues to innovate and provide excellent service to its customers. Headquarters: Sydney, Australia: CommBank’s headquarters are located in Sydney, the largest city in Australia. Being headquartered in a major financial hub allows the bank to stay at the forefront of the industry and effectively serve its wide customer base. Why Choose CommBank? Comprehensive Services: CommBank offers a wide range of financial products and services, including personal banking, business solutions, and institutional banking. Whether you need a simple savings account or complex financial advice, CommBank has you covered. Customer-Centric Approach: With the tagline “Can Lives Here,” CommBank emphasizes its dedication to helping customers achieve their financial goals. The bank’s personalized services and financial advice are designed to meet the unique needs of each customer. Innovative Digital Tools: CommBank is at the forefront of digital banking innovation. Its mobile app and online banking platform offer advanced features like real-time transaction alerts, budgeting tools, and secure payment options, making banking convenient and accessible. Strong Community Focus: Comm Bank is committed to making a positive impact on society through various community initiatives. The bank supports financial literacy, environmental sustainability, and social inclusion programs, demonstrating its role as a responsible corporate citizen. Trusted Reputation: With a long history and a solid reputation, Comm Bank is one of the most trusted banks in Australia. Its stability and reliability make it a preferred choice for millions of customers.

Bank Negara Malaysia:  Bank Negara Malaysia (BNM) is the central bank of Malaysia, established on January 26, 1959. It plays a crucial role in the country’s economic and financial stability. The primary functions of BNM include formulating monetary policy, regulating and supervising financial institutions, managing foreign exchange reserves, and ensuring the stability of the financial system. Monetary Policy The central bank’s monetary policy aims to achieve price stability while supporting economic growth. BNM utilizes various tools such as interest rates, reserve requirements, and open market operations to influence liquidity in the economy. The Monetary Policy Committee (MPC) meets regularly to assess economic conditions and make decisions regarding the Overnight Policy Rate (OPR), which serves as a benchmark for other interest rates in the economy. Financial Stability BNM is responsible for maintaining a stable financial system by overseeing banks and non-bank financial institutions. This includes conducting stress tests, monitoring systemic risks, and implementing regulations to ensure that financial institutions operate safely and soundly. The Financial Stability Review published by BNM provides insights into potential vulnerabilities within the financial sector. Regulation and Supervision As part of its regulatory function, BNM issues guidelines and standards that govern banking practices in Malaysia. It supervises licensed banks through on-site examinations and off-site surveillance to ensure compliance with laws and regulations. This oversight helps protect depositors’ interests and promotes confidence in the banking system. Foreign Exchange Management BNM manages Malaysia’s foreign exchange reserves to ensure adequate liquidity for international trade and investment. The central bank intervenes in the foreign exchange market when necessary to stabilize the Malaysian Ringgit against excessive volatility. This management is crucial for maintaining investor confidence and supporting economic growth. Payment Systems Bank Negara Malaysia also oversees payment systems in the country, ensuring they are secure, efficient, and accessible. The central bank promotes digital payment solutions to enhance convenience for consumers and businesses alike. Initiatives like DuitNow facilitate real-time payments across different banks using just mobile numbers or national identity cards. Research and Development In addition to its regulatory roles, BNM conducts research on various aspects of economics and finance. This research informs policy decisions and contributes to a better understanding of local and global economic trends. The bank publishes reports that provide valuable insights into macroeconomic conditions affecting Malaysia. Conclusion In summary, Bank Negara Malaysia serves as a cornerstone of Malaysia’s economic framework by ensuring monetary stability, regulating financial institutions, managing foreign exchange reserves, overseeing payment systems, and conducting essential research. Its multifaceted approach helps maintain confidence in the Malaysian economy while fostering sustainable growth.

Central Bank of the UAE: Zero Government Bureaucracy Programme At the Central Bank of the UAE, we’re committed to enhancing your experience with our services. Introducing the “Zero Government Bureaucracy Programme,” designed to streamline our procedures and eliminate unnecessary red tape. We value your input—share your opinions and suggestions through our Zero Bureaucracy survey. Together, let’s build a more efficient and user-friendly banking environment. The Central Bank of the UAE is committed to innovation and efficiency with initiatives like the “Zero Government Bureaucracy Programme.” We invite you to share your opinions and suggestions on how we can further improve our services and streamline procedures through our Zero Bureaucracy survey. As a regulatory body, the Central Bank of the UAE oversees and supervises financial services companies operating within the country. Through our Financial Stability Department (FSD), we conduct in-depth analyses to assess potential risks and vulnerabilities in the financial system, ensuring that our regulatory decisions contribute to maintaining and promoting financial stability across the UAE.

Welcome to Scotiabank: Your Partner in Financial SuccessAt Scotiabank, we are dedicated to helping you achieve your financial goals, no matter where you are in your journey. With a robust suite of banking solutions tailored to meet your needs, we pride ourselves on being a trusted partner for individuals, businesses, and communities across the globe.Our Services: Personal Banking: From everyday banking to savings accounts, mortgages, and personal loans, we offer a variety of products designed to make managing your finances simple and effective. Our intuitive online and mobile banking platforms ensure that you have access to your accounts anytime, anywhere. Business Banking: We understand the unique challenges faced by businesses today. Scotiabank provides customized solutions including business accounts, loans, credit options, and cash management services to help your business thrive in a competitive landscape. Investment Services: Whether you’re saving for retirement, a major purchase, or your children’s education, our investment services are designed to grow your wealth. Our financial advisors work with you to create personalized investment strategies that align with your goals and risk tolerance. Wealth Management: Our comprehensive wealth management services cater to individuals and families looking to build and preserve their wealth. From estate planning to tax strategies, we offer expert guidance to help you navigate your financial future. International Banking: With a global presence, Scotiabank is well-equipped to assist you with your international banking needs. Our services include foreign exchange, international wire transfers, and access to global markets, ensuring you can manage your finances seamlessly across borders. Why Choose Scotiabank? Customer-Centric Approach: Your satisfaction is our priority. We listen to your needs and tailor our services to provide solutions that work for you. Innovative Technology: At Scotiabank, we leverage the latest technology to enhance your banking experience. Our digital tools make banking convenient, secure, and accessible. Community Commitment: We believe in giving back to the communities we serve. Through various initiatives and partnerships, we strive to make a positive impact in areas such as education, health, and economic development. Expert Guidance: Our team of knowledgeable professionals is here to support you every step of the way. From financial advisors to customer service representatives, we are committed to providing expert advice and assistance. Get Started Today!Discover the Scotiabank difference and take the first step towards achieving your financial goals. Visit our website or stop by one of our branches to learn more about our products and services. Join us in building a brighter financial future together!Connect with UsHave questions or need assistance? Our dedicated customer support team is here to help. Reach out to us through our contact page or follow us on social media to stay updated on the latest news and offers from Scotiabank. Let’s embark on your financial journey together!

Banking Vista: Your Guide to Smart Financial Decisions Helping People Solve Their Banking Problems At Banking Vista, we are dedicated to empowering individuals with the knowledge and tools they need to navigate the complex world of finance. Our platform is your trusted resource for everything related to banking, investments, credit cards, personal finance, and the dynamic landscape of cryptocurrencies. Why Choose Banking Vista? Expert Insights: Whether you’re an experienced investor or just starting out, Banking Vista offers expert advice on a wide range of financial topics. From investment strategies to personal finance management, we provide the guidance you need to make informed decisions. Comprehensive Financial Solutions: We cover all aspects of banking and finance, including the latest trends and best practices in the industry. Our goal is to help you find the right banking solutions, choose the best credit cards, and manage your finances effectively. Focus on Security: In an era where banking scams are on the rise, Banking Vista is committed to providing accurate information to protect you from financial fraud. We offer tips and strategies to help you avoid scams and secure your financial future. User-Friendly Resources: Our platform is designed to be accessible and easy to use, making it simple for you to find the information you need. Whether you’re researching investment options or looking for advice on managing debt, Banking Vista has you covered. Dedicated to the Indian Market: Banking Vista is tailored to meet the needs of the Indian audience. We focus on providing relevant and reliable information that addresses the unique financial challenges faced by people in India. Explore Our Services Investment Strategies: Discover the best investment options for your goals, whether you’re planning for retirement or looking to grow your wealth. Our expert advice helps you make smart investment choices. Banking Solutions: Find the right banking products and services that match your financial needs. We review and compare various options to help you make the best decisions. Credit Cards: Learn about the benefits and drawbacks of different credit cards, and find the one that suits your lifestyle and financial habits. Personal Finance Management: Get practical tips on budgeting, saving, and managing debt to take control of your financial future. Cryptocurrency Insights: Stay updated on the latest trends and developments in the world of cryptocurrencies, and learn how to safely invest in this emerging market. Empowering Your Financial Journey At Banking Vista, our mission is to help you solve your banking problems and achieve financial success. We are here to provide you with the knowledge and tools you need to make sound financial decisions and protect yourself from scams. Start your financial journey with us, and let Banking Vista be your trusted guide to a secure and prosperous future.

Bank of Baroda (BoB) Banking: Your Trusted Partner in Financial Success Banking Beyond Borders Bank of Baroda (BoB) is dedicated to empowering you with comprehensive banking solutions that cater to your personal and business needs. With a legacy of trust and excellence, we are committed to delivering innovative financial products and services that help you achieve your financial goals. Why Choose BoB Banking? Global Presence, Local Expertise: With a strong global footprint, Bank of Baroda combines international expertise with deep local knowledge to offer you the best of both worlds. Whether you are managing finances locally or internationally, we have the right solutions for you. Wide Range of Products and Services: From savings and current accounts to loans, credit cards, and investment solutions, BoB offers a wide array of banking products tailored to meet your specific needs. Our services are designed to help you manage your finances efficiently and securely. Digital Banking at Your Fingertips: Experience the convenience of banking on the go with BoB’s advanced digital banking services. Our mobile and internet banking platforms are user-friendly, secure, and packed with features that make managing your finances easier than ever. Commitment to Security: Your security is our top priority. Bank of Baroda employs state-of-the-art security measures to protect your financial information and ensure that your banking experience is safe and secure. Customer-Centric Approach: At BoB, we put our customers first. Our dedicated customer service team is always ready to assist you with your banking needs, providing personalized support and guidance. Explore Our Offerings Personal Banking: Manage your personal finances with ease through our comprehensive suite of banking products, including savings accounts, fixed deposits, personal loans, and credit cards. Business Banking: Take your business to new heights with BoB’s customized business banking solutions. From working capital loans to trade finance, we offer everything you need to grow and succeed. Wealth Management: Secure your future with BoB’s wealth management services. Our expert advisors will help you make informed investment decisions to build and preserve your wealth. Bank with Confidence, Bank with BoB At Bank of Baroda, we are more than just a bank; we are your financial partner. Whether you are saving for the future, expanding your business, or simply managing your day-to-day finances, BoB is here to support you every step of the way. Trust us to provide the banking solutions you need to achieve your financial aspirations.

IOB Net Banking: Secure Your Online Banking Experience Your Security is Our Priority At Indian Overseas Bank (IOB), we are committed to ensuring the safety and security of your online banking experience. We urge all our customers to be vigilant and protect their Internet Banking details. Remember, your security is in your hands, and with IOB, you can bank online with confidence when you follow these important guidelines: Protect Your Internet Banking Information Never Share Sensitive Details: Do not share your Internet Banking Login ID, Password, PIN, Debit/Credit Card Number, PIN, CVV, or Verify by Visa Password with anyone. This includes over the phone, via email, or through any website or mobile app. Beware of Phishing Attempts: Be cautious of fraudulent emails, phone calls, and websites that may attempt to steal your personal information. If you receive a suspicious request for your banking details, do not respond. IOB will never ask you for these details through email, phone, or SMS. Take Immediate Action: If you believe you have disclosed your Internet Banking details accidentally or unknowingly, it is crucial to IMMEDIATELY change your password and PIN. This step can protect your account from unauthorized access. Stay Alert Against Fraud Beware of Fraudulent SMS/Links: IOB will never send you an SMS or link to issue income tax refunds or similar offers. Do not respond to such fraudulent messages. Always access your Internet Banking account directly through the official IOB website or mobile app. IOB Will Not Contact You for Personal Details: We will never send emails or make phone calls asking for your Internet Banking or ATM Card details. If you receive such a request, it is likely a phishing attempt. Please report it to us immediately. Bank with Confidence, Bank with IOB By following these guidelines, you can enjoy a secure online banking experience with IOB. We are committed to safeguarding your financial information and providing you with the best banking experience possible. If you have any concerns about your account security, please contact IOB customer support immediately.

Punjab National Bank: Your Trusted Financial Partner Serving the Nation Since 1894 Punjab National Bank (PNB) is one of India’s leading and most trusted banks, with a rich legacy of over a century. Established in 1894, PNB has been at the forefront of providing comprehensive banking solutions to millions of customers across the country. Why Choose Punjab National Bank? Wide Range of Services: PNB offers a vast array of banking services tailored to meet the diverse needs of individuals, businesses, and corporates. From savings and current accounts to loans, credit cards, and investment products, PNB has a solution for every financial requirement. Nationwide Presence: With a vast network of branches and ATMs across India, PNB ensures easy access to banking services, no matter where you are. Customer-Centric Approach: At PNB, customers are at the heart of everything we do. Our commitment to providing personalized banking experiences ensures that your financial needs are met with care and expertise. Innovative Digital Solutions: Embrace the convenience of modern banking with PNB’s cutting-edge digital solutions. Our mobile banking app, internet banking, and other digital services make managing your finances easy and secure from anywhere, anytime. Strong Financial Foundation: As one of India’s oldest and most respected banks, PNB has a strong financial foundation, ensuring the safety and security of your assets. Our Offerings: Personal Banking: PNB provides a wide range of personal banking services, including savings accounts, fixed deposits, personal loans, home loans, and more. We offer competitive interest rates and flexible terms to help you achieve your financial goals. Business Banking: Empower your business with PNB’s comprehensive business banking solutions. From current accounts and business loans to cash management and trade finance, PNB supports businesses of all sizes. Corporate Banking: PNB offers tailored financial solutions for corporates, including working capital financing, corporate loans, and treasury services. Our dedicated corporate banking team ensures that your business has the financial support it needs to thrive. NRI Banking: PNB caters to the unique banking needs of Non-Resident Indians (NRIs) with specialized products and services, including NRI accounts, remittance services, and investment options. Agriculture & Rural Banking: PNB is committed to the development of rural India through its range of agricultural banking services. We offer loans, savings schemes, and other financial products to support farmers and rural entrepreneurs. Join the PNB Family Today Experience the strength, reliability, and innovation of Punjab National Bank. Whether you’re saving for the future, growing your business, or simply looking for a trusted banking partner, PNB is here to support you every step of the way. Punjab National Bank – The Name You Can Bank Upon.