October 27-30 / 2019 / Las VegasThe Venetian / The Palazzo & Sands Expo / Booth No. 4317

Fintech - Empowering InnovationIsrael

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The Israel Export & International Cooperation InstituteThe Israel Export & International Cooperation Institute, a non-profit organization supported by the government of Israel and the private sector, facilitates business ties, joint ventures and strategic alliances between overseas and Israeli companies. Charged with promoting Israel’s business community in foreign markets it provides comprehensive, professional trade information, advice, contacts and promotional activities to Israeli companies. Furthermore, the IEICI provides complementary services to business people, commercial groups, and business delegations from across the globe. IEICI uses its unique and one of a kind network with the prosperous startup ecosystem in Israel, and connects the foreign players, according to their field of interest.

Fintech SectorThe Fintech sector in Israel has been blooming for several years. What started out with just a handful of start-ups have grown to more than 500 companies utilizing cutting edge technologies, unique business models and deep knowhow in peripheral fields (cybersecurity, software, mobile and more). A willingness of large financial institutions to let Fintech start-ups beta-testing their products, support from dedicated accelerators and hubs, and a strong & vibrant community make Israel in general and Tel-Aviv in specific, one of the leading, most innovative Fintech hubs in the world.The Israel Export Institute’s Fintech division operates at the very heart of the Israeli Fintech community – forming relationships, assembling and leading national pavilions at important international exhibitions, hosting professional delegations, organizing Fintech conferences and developing dedicated technology events in cooperation with financial institutions around the world, all of which with one goal in mind – to create business opportunities for the mutual benefit of the Israeli Fintech companies and financial institutions anywhere in the world.

Mr. Otni OronManagerFintech SectorM +972 54 815 8161otnio@export.gov.ilwww.export.gov.il

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Foreign Trade AdministrationThe Foreign Trade Administration (FTA) at the Israeli Ministry of Economy and Industry is responsible for managing and directing the international trade policy of the State of Israel. The main fields of activity include activities for the promotion of trade and export, initiating and maintaining trade agreements for the improvement of Israel’s trade conditions, attracting and encouraging foreign investments and creating strategic cooperations with foreign companies.

The Administration operates a network of 45 economic and trade missions who constitute the operational arm of the Ministry in key financial centers throughout the world Israel’s economic and trade missions are at the forefront of the Israeli government’s efforts to boost our industries in foreign markets.

Our team of highly experienced economic representatives and business consultants provide a wide range of services to Israeli companies and to the international business community. The FTA is divided into three main divisions, each promoting the Israeli economy in distinct and significant ways:

1. The Trade Promotion Division - works to ensure the continued development of Israel’s exports

2. The Trade Policy and International Agreements Division - responsible for Israel’s free trade agreements, maintaining and developing intergovernmental relations and addressing regulatory barriers that affect Israeli industry

3. The International Projects and Financing Division - offers different programs that financially support Israeli companies in their business operations abroad

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Index by Company

Index by CompanyIndex by Category

Company Category Page

• Client Engagement

• AI & Big Data6

• Insurtech

• Regtech

• Security /Authentication / Anti-Fraud 7

The future of credit modeling

• Lending & financing

• AI & Big Data 8

• Payments

• Lending & financing

• WealthTech / Capital Markets

• Insurtech

9

• Payments

• Lending & financing

• WealthTech / Capital Markets

• Insurtech

• Security /Authentication / Anti-Fraud

• Client Engagement

• Data & Infrastructure

• AI & Big Data

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Index by Company

Company Category Page

• Data & Infrastructure 11

• Payments

• Client Engagement12

• Security /Authentication / Anti-Fraud 13

• Client Engagement

• AI & Big Data14

• Security /Authentication / Anti-Fraud 15

Index by Category

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Category Company

Payments• Credics

• GigaSpaces

• PayKey

Lending & Financing• BeeEye

• Credics

• GigaSpaces

Wealth Tech / Capital Markets• Credics

• GigaSpaces

Insurtech• AU10TIX

• Credics

• GigaSpaces

Regtech • AU10TIX

Index by Category

Category Company

Security /Authentication / Anti-Fraud

• AU10TIX

• GigaSpaces

• SecuredTouch

Client Engagement

• Anagog

• GigaSpaces

• PayKey

• Voca.ai

Data & Infrastructure• GigaSpaces

• OpenLegacy

AI & Big Data

• Anagog

• BeeEye

• GigaSpaces

• Voca.ai

Index by CompanyIndex by Category 6

www.anagog.com

Revolutionizing the way you know your customers with Edge AI

Company at a Glance Anagog revolutionizes the way you understand consumer behavior, their context and ability to predict their future behavior, in the physical world. By utilizing the first of its kind patented Edge-AI technology, JedAI, Anagog provides companies with the ability to provide highly personalized and contextual offers, while achieving unmatched privacy control. Anagog was established in 2010, has approximately 50 employees with offices in Tel Aviv and New York.

Solution at a GlanceCustomers expect banks to foster one-on-one relationships with them, understand who they are and provide them with personalized services exactly when they need them. To meet these expectations, banks need to develop a deep understanding of their customers needs, and offer each customer services based on their profile and context. Anagog helps banks to develop a deep understanding of individual customers in real-time through its Edge-AI technology, JedAI, providing the next generation of personalization. For example, tailored offers and products as part of rewards and loyalty program, banking services based on customer needs, etc.

Technologies & Productions Anagog’s Edge-AI technology, JedAI, revolutionizes how companies can better understand the activity of their customers. JedAI translates the smartphone sensor data and provides insights on customer activity, locations, behavior, commuting patterns and predicts what they are likely to do next — all in real-time; building a unique user profile to provide greater offers and services. JedAI develops these insights in the brand’s app on the phone itself, so no private data leaves the phone without customer’s permission. Anagog’s technology has been downloaded by more than 25 million devices globally and integrated into more than 100 mobile apps.

• Client Engagement

• AI & Big Data

Anagog

Index by CompanyIndex by Category 7

www.au10tix.com

Forerunners of 2nd generation ID Authentication & Onboarding

Company at a Glance AU10TIX is the forerunner of 2nd generation ID authentication & onboarding automation. AU10TIX powers global majors such as Paypal, Goolge, BBVA bank, Payoneer, eToro, Coinbase and others. AU10TIX is a subsidiary one of ICTS International - One the world's leading airport security companies.

Solution at a GlanceAU10TIX 2nd generation technology enables 100% automation, forensic-level forgery, counterfeiting and collateral risk detection, multi-modal biometric face-matching, POA handling and KYC screening. AU10TIX 2nd generation technology offers up to +300% better conversion rates and rapid-response exception reporting - all at average processing speed of 6-8 seconds. The technology is known to improve customer conversion while reducing costs and improving robustness of regulatory KYC compliance.

Technologies & Productions AU10TIX offers fully automated customer onboarding automation for KYC-regulated businesses. Solution portfolio includes the handling of ID documents, biometric Selfie-to-ID face matching, Proof-Of-Address document handling, and identity authentication and KYC screening services . These services are provider as Saas (Cloud) service or on-premise. AU10TIX also provides supporting tool such as SDKs. AU10TIX technology incorportaes AI (Machine Learning and Deep Learning) algorithms, as well as novel risk detection analytics. AU10TIX technology is capable of forensic level fraud and risk detection, as well as improved handling of borderline quality images.

AU10TIX

• Insurtech

• Regtech

• Security /Authentication / Anti-Fraud

• AI & Big Data

Index by CompanyIndex by Category 8

www.beeeye.com

The future of credit modeling. Driving profitability, while reducing risk.

Company at a Glance BeeEye, founded by financial experts and deep tech experts is focused developing breakthrough technology solutions to empower the emerging and incumbent consumer lenders to compete with the rapid innovation and the rise of ML usage over big data and by utilizing this tech to achieve higher ROI and reduce overall risk. BeeEye serves some of the largest, leading most innovative financial players.

Solution at a GlanceEyeOnRisk platform provides lenders an End-to-End solution elevating their risk modeling capabilities to the edge of AI technologies.The Platform provides easy and robust usability to unleash ML based models, while maintaining transparency and compliance and allowing our customers to own their intellectual property and not use "Black-Box" solutions while not needing to code a line, unless desired. The solution includes data enrichment, data pre-processing, customized feature creation and advanced machine learning techniques, lenders can now achieve a deeper view of their consumers and aim to better financial results.

Technologies & Productions The EyeOnRisk platform includes state-of-the-art data pre-processing and machine learning modeling capabilities. It allows both batch and real-time processing of the lender’s loan requests. Furthermore, Models can be periodically updated and optimized and Easy to define, edit and experiment with different data pipelines and models. The heart of the solution will allow Automatic exploration of Machine Learning algorithms and parameters. This feature will run continuously to provide an ever improving model.

BeeEye

• Lending & financing

• AI & Big Data

The future of credit modeling

Index by CompanyIndex by Category 9

www.credics.com

Empower customers to roll out new financial services

Company at a Glance Founded in 1999, Credics provides cutting-edge payment solutions to banks, credit institutions, fuel companies, loyalty schemes and much more. Company was founded by veterans of the credit card and financial software industries. The company builds flexible, perfectly-tailored solutions for a wide range of businesses in every economic sector.

Solution at a GlanceCompany offers two clusters of solutions:Suite of Platforms- full-fledged payment solution, payment & e-wallet, billing & transaction platform, credit card issuing - and management, loyalty programs, fuel cards and much more.OpenCredo – to allow fast roll-out of products that are generated on the above-mentioned platforms.

Technologies & Productions Credics has developed cutting edge technology, OpenCredo, that is tailored to enable disruptive market changes. OpenCredo is an engine that is flexibly implemented in payment- and banking systems to allow quick roll-out of unique financial products and services, Fast roll-out of services, Always fiscally balanced, Enables Any2Any payment, Simple setup of new financial products, limited staff requirements, Low footprint

Credics

• Payments

• Lending & financing

• WealthTech / Capital Markets

• Insurtech

Index by CompanyIndex by Category 10

www.gigaspaces.com

Transforming manual communication channels into digital processes in the click of a button

Company at a Glance GigaSpaces provides the fastest big-data analytics processing platform to run services and machine learning models in production, at scale for real-time decision making on streaming, transactional and historical data. The in-memory platform helps leading Tier-1 organizations introduce applications that ingest, process and analyze data at extreme speeds, across any environment.

Solution at a GlanceGigaSpaces InsightEdge platform powers real-time analytics processing on streaming, transactional and historical data, helping financial institutions address time-sensitive decisions; enhancing operations, regulation adherence and customer experience. InsightEdge ingests and analyzes data at extreme speeds and scale for real-time fraud detection, risk analysis, credit risk forecast, customer 360, instant payments and more.

Technologies & Productions GigaSpaces InsightEdge big data analytics processing platform unifies transactional and analytical processing for real-time insights to action.

The software platform contains all the necessary frameworks for scalable data-driven solutions including SQL, Spark, streaming, machine learning and deep learning. Applications, leverage faster and smarter insights from machine learning models running on any data source whether structured, unstructured or semi-structured while seamlessly accessing historical data from data lakes such as Hadoop, Amazon S3, Azure Blob Storage and more. InsightEdge is a cloud-native, microservice-based architecture for cloud, on-premise, or hybrid environments; and supports intelligent, multi-tiered data management and storage across RAM, SSD, Persistent Memory and data lakes.

GigaSpaces

• Payments

• Lending & financing

• WealthTech / Capital Markets

• Insurtech

• Security /Authentication / Anti-Fraud

• Client Engagement

• Data & Infrastructure

• AI & Big Data

Index by CompanyIndex by Category 11

www.openlegacy.com

Quickly leverage back-end systems for innovative digital web, mobile or cloud services

Company at a Glance OpenLegacy enables organizations to quickly launch innovative digital initiatives by automating the creation of digital services. With OpenLegacy’s microservice-based APIs, even the most complex organizations can accelerate the delivery of new innovations without changing their backend core systems.

Solution at a GlanceOpenLegacy accelerates the success of digital transformation projects. The platform automates and standardizes the process of creating digital services - microservices-based APIs. Without changing any backend applications an organization can transform to a fast, agile and robust architecture in a fraction of the time it would take otherwise.

Technologies & Productions API Integration Software

OpenLegacy

• Data & Infrastructure

Index by CompanyIndex by Category 12

www.paykey.com

PayKey is a fully customized white label Social Banking Solution

Company at a Glance PayKey enables banks and mobile wallets to offer customers instant access to financial services, including P2P payments and balance check - from ANY mobile app. Our solution creates a frictionless experience, keeps services always in front of customers and is used by HSBC, Standard Chartered, ING and more global banks.

Solution at a GlancePayKey’s patented Social Banking Solution™ is based on a state-of-the-art smartphone keyboard that includes a customized banking button. This branded button opens a menu of services that are instantly available anytime users type on their phones. PayKey’s solution is integrated within the bank’s app, becoming an inseparable part of it.

Technologies & Productions As a white label solution, our SDK is fully customized to the bank’s branding, languages and services. Integration is conducted at the API level, with no backend intervention and no changes to the bank’s payment rails and authentication methods. It’s an effective front-end solution that drives customer engagement, while keeping the handling of transactions by the bank’s app.

PayKey

• Payments

• Client Engagement

Index by CompanyIndex by Category 13

www.securedtouch.com

Continuous authentication and fraud detection based on behavioral biometrics

Company at a Glance SecuredTouch is the expert in behavioral biometrics-based fraud detection solutions for online retailers and financial institutions. Machine learning technology invisibly and continuously detects sophisticated fraud throughout the customer journey ultimately solving the clash between security vs user experience. What once caused customer frustration becomes a tool for increasing revenues.

Solution at a GlanceSecuredTouch provides solutions for use cases, including account takeover and new account fraud, that are performed using automated (e.g. bots) and/or manual attack methods. The result is a fast track to transaction completion for trusted users, reduced fraud losses and related costs, and boosted revenues and brand loyalty.

Technologies & Productions SecuredTouch’s behavioral biometrics platform collects and analyzes 100s of unique data points generated by human interactions, device attributes and account activities to catch previously undetected fraud. The machine learning based platform consists of 4 key components:

1. Passive biometrics to continuously authenticate user

2. Behavioral analysis to flag deviations from normal behavioral patterns

3. Bot detection to expose automated attacks (4) Device intelligence to spot indicators of spoofed devices or emulators.

SecuredTouch

• Security /Authentication / Anti-Fraud

Index by CompanyIndex by Category 14

www.voca.ai

Operating System for Money Transfer Businesses

Company at a Glance We are AI, ML and NLP pioneers, with a mission to change the way businesses interact with and engage their customers. Utilising state-of-the-art, proprietary technology, Voca’s AI powered virtual agent enables SMBs and enterprises flexibility and instant scalability which leads to drastically improved bottom lines.

Voca provides a futuristic contact center solution that is supercharged with human-AI agents.

Simply by mimicking successful human agents, our virtual agents are leading the customers throughout their journey in the most natural and empathetic way possible.

Solution at a GlanceVoca is the contact-center agent you’ve always dreamed of. Voca can handle over 80% of all call and contact-center interactions so your agents can focus on what’s really important to your business.

Simply by mimicking your most successful human agents, our virtual agents are leading your customers throughout their user journey at scale, while keeping the all important human touch.

Data science and analytics are built-in which makes for self-optimising, ever-improving overall contact-center efficiency and exceeding business KPIs.

Banks, insurance companies, alternative lenders and other leading fintech players are using Voca for customer acquisition, debt collection, appointment scheduling, up/cross-selling, customer retention and more.

Technologies & Productions Leveraging AI, NLP and Deep Learning, Voca is a human-friendly virtual agent augmenting contact centers. Our agent is trained to respond to every objection in the most smart and empathetic way possible by listening to recorded calls done by the most successful agents. Our 'Speech-to-Intent' algorithm understands the true meaning of what your customer says, rather than just transcribing it word for word, keep the response accurate and in perfect context.

Voca.ai

• Client Engagement

• AI & Big Data

Index by CompanyIndex by Category 15

www.zecops.com

ZecOps Automates Security and IT Operations

Company at a Glance ZecOps focuses on Security and IT Operations automation. ZecOps agent-less technology enables organizations to transform the way they are dealing with faults analysis, security operations, and Digital Forensics investigations. Founded by Zuk Avraham, world-renowned researcher and the Founder of Zimperium. ZecOps has presence in San Francisco, Singapore and Tel Aviv.

Solution at a GlanceZecOps technology helps to automatically identify faults and enable to hunt and leverage attackers’ mistakes to:• Discover and extract exploits and payloads that evaded organization’s security controls including 0-days

and APTs.• Identify ongoing attackers' campaigns and compromised assets used for command and control purposes.

Technologies & Productions ZecOps leverage machine-learning technologies and intelligence that simply works for you. ZecOps boost the organization's IT and SOC productivity while reducing TCO on data acquisition, manual services, solve and diagnose IT issues.

ZecOps

• Security /Authentication / Anti-Fraud

This publication is for informational purposes only. While every effort has been made to ensure that the presented information is correct, The Israel Export & International Cooperation Institute assumes no responsibility for damages, financial or otherwise, caused by the information herein.

© August 2019 The Israel Export & International Cooperation InstituteProduction: IEICI Media and Communication Division | Design: Ayala Eylath

www.export.gov.il

FintechEmpowering Innovation