The Fourthline platform provides banks and financial services providers with a complete suite of proprietary tech products that adhere to local KYC, AML and GDPR requirements in Europe and beyond. Fourthline’s AI-driven solutions unlock compliance for the entirety of the lifecycle, from onboarding, the verification and analysis, through to investigations and continuous KYC, in all stages of business development. Founded: 2017. First product launched: January 2018.
Webio specializes in customer engagement software to streamline inbound and outbound customer communications. The company's platform utilizes conversational artificial intelligence (AI) to automate and blend chatbot and live agent-customer conversations in any messaging channel at scale and features on-demand messaging, real-time data an application programming interface (API), and integration enabling businesses to have effective and efficient customer conversations.
in3 is a Dutch FinTech, founded in 2018 at the heart of Eindhoven's innovative top technology region with one goal: creating ease of payment for online shoppers. We offer BNPL to consumers to pay in 3 instalments at 0% interest. At the same time, we take over the potential risks of the webshop. We are a social responsible BNPL solution which does not make money out people who pay late or don't pay but out of succesfull payments. We don't charge late fees and with our state of the art credit check we offer consuments a spending limit that doesn't get them in debts. The former company name Capayable B.V., founded in 2013, which offered Pay Later and Pay in 3 instalments is officially rebranded into in3.
Symmetrical.ai is the first payroll solution users don't hate. We enable fast-paced companies to onboard at scale and run their payroll invisibly. Instead of countless, complicated processes and (Excel) spreadsheets involving a high risk of human error, we make payroll and onboarding automated. We helped rapidly developing companies scale up by speeding up onboarding, reducing onboarding churn, and providing mistake-free payroll, ready to payout (real-time, daily, weekly, and monthly). Our mission is to eliminate borders for employment, time constraints on getting paid, and reduce the complexity of payroll across the board.
Goodlord offers the cloud-based software to help estate agents, landlords, and tenants manage the rental process. Its cloud-based software digitizes tenancy creation and progression, allowing Goodlord to cut pointless, time-consuming administration for agents while transforming the tenant and landlord experience. Goodlord also provides a shop-front for agents to easily offer services that provide more value to their tenants and landlords, such as insurance and utility services. Philip Mundy, Richard White, and Tom Mundy founded the company in 2014. It was established in London, England.
Lantum is an end to end staffing platform enabling healthcare organisations to operate. Clinics use Lantum to manage their freelance physicians and also to find new ones via a marketplace of high quality vetted physicians. Lantum allows clinics to perform compliance checks on physicians as well as rate them and pay them fast. Lantum also provides a toolkit for freelance physicians enabling them to manage their working lives and do their taxes and send The idea came to CEO and founder Melissa Morris while working at Mckinsey in the Healthcare Practice. She since left and went to work for NHS London to get a better idea of what healthcare organisations need.
in3 is a Dutch FinTech, founded in 2018 at the heart of Eindhoven's innovative top technology region with one goal: creating ease of payment for online shoppers. We offer BNPL to consumers to pay in 3 instalments at 0% interest. At the same time, we take over the potential risks of the webshop. We are a social responsible BNPL solution which does not make money out people who pay late or don't pay but out of succesfull payments. We don't charge late fees and with our state of the art credit check we offer consuments a spending limit that doesn't get them in debts. The former company name Capayable B.V., founded in 2013, which offered Pay Later and Pay in 3 instalments is officially rebranded into in3.
Lavanda Ventures Ltd. provides real estate management and letting services. It offers its services to both B2B and B2C. The company also operates platform for landlords. Lavanda Ventures Ltd. was founded in 2014 and is based in London, United Kingdom.
Brytlyt is the world’s first all-in-one browser-led platform that enables GPU in-database AI with deep learning capabilities. We aim to empower the next generation of data scientists and decision makers with accessible deep learning methods and data analytics at GPU speeds.
Pintek is a financial technology company aiming to democratise access to education in Indonesia through affordable and flexible credit.
Webio specializes in customer engagement software to streamline inbound and outbound customer communications. The company's platform utilizes conversational artificial intelligence (AI) to automate and blend chatbot and live agent-customer conversations in any messaging channel at scale and features on-demand messaging, real-time data an application programming interface (API), and integration enabling businesses to have effective and efficient customer conversations.
TADA is a customer retention platform. We help businesses to double their profit per customer via membership, subscription, referral and digital rewards. We go #BeyondLoyalty. We provide a personalized business assessment and product demo to identify the specific ways your brand can boost customer retention to double your profit per customer. Once we have found the right solution for you, we work with you to integrate our customer retention platform and get you up and running.
AccountsIQ is affordable financial management software for mid-size and group organisations. Voted Accounting Software of the Year in the Software Excellence Awards, AccountsIQ is ideal for businesses who've outgrown their existing system but don't want the expense and complexity of a ERP solution. Streamline processes, automate consolidation and speed up reporting with accounting automation tools and integration capability inbuilt. Close month end quicker and get real time financial insights across your business.
Twinco has developed the only global suppliers finance solution in the world that includes purchase order finance. By connecting banks to the platform and offering customers the possibility to manage all its supply chain finance requirements through Twinco and by embedding ESG metrics through its incentivised finance program, it aims to become also the most competitive and sustainable supply chain finance solution. By harnessing the power and scale of financial institutions and mission-driven investors, Twinco is effectively building a gateway to solving the production funding gap, fostering inclusive growth and driving the transformation of global supply chains towards more sustainable practices.
Twisto is a payment app for the mobile-first era. Connected with a Mastercard and Apple Pay-compatible, the Twisto account enables customers to pay for their online purchases with just one click, deal with bills and invoices by taking a photo of them within the app, and pay just about anywhere else with the card, a special payment bracelet or Apple Pay. On top of that, the account comes with the best exchange rate possible for international payments. Twisto aggregates the payments in a neatly designed mobile app, and customers pay them all at once at the end of each month.
SMEO offers online factoring services for micro, small and medium businesses.
Payaut offer an automated payment solution for online marketplaces. Payaut provides a PSD2-compliance and automation of the payout process. The solution helps online marketplaces platforms with automated seller onboarding and KYC, split payment and payouts while being PSP agnostic. this allows marketplaces to work with any PSP or multiple PSP's at the same time.
Pintek is a financial technology company aiming to democratise access to education in Indonesia through affordable and flexible credit.
PT. Ayopop Teknologi Indonesia, founded in 2016 and headquartered in Jakarta, Indonesia, specializes in developing billing network software aimed at facilitating seamless payment solutions. The company offers a range of tools including Biller Open API for recurring customer payments, Transaction API for bill payments and digital goods, and Biller Reminder System to enhance bill payment experiences. Additionally, Ayopop provides AutoRecon for transaction matching across systems, Ayoconnect Insights for data analytics, and Smart Payments for improved transaction efficiency. Its services cater to various sectors including utilities, financial institutions, telecommunications, online services, housing, education, and content publishing, thereby supporting a wide ecosystem of bill providers and consumers in their payment processes.
TaxScouts is a tax preparation platform that makes tax planning easier. It allows drawing up of personal income tax online by certified accountants and its tax bot helps users to understand their personal income tax situation and suggests ways to reduce their tax bill. Founded by Mart Abramov, Kaupo Kõrv, and Daniel Karger in 2017, TaxScouts is headquartered in London, England.
Payaut offer an automated payment solution for online marketplaces. Payaut provides a PSD2-compliance and automation of the payout process. The solution helps online marketplaces platforms with automated seller onboarding and KYC, split payment and payouts while being PSP agnostic. this allows marketplaces to work with any PSP or multiple PSP's at the same time.
Brytlyt is the world’s first all-in-one browser-led platform that enables GPU in-database AI with deep learning capabilities. We aim to empower the next generation of data scientists and decision makers with accessible deep learning methods and data analytics at GPU speeds.
Symmetrical.ai is the first payroll solution users don't hate. We enable fast-paced companies to onboard at scale and run their payroll invisibly. Instead of countless, complicated processes and (Excel) spreadsheets involving a high risk of human error, we make payroll and onboarding automated. We helped rapidly developing companies scale up by speeding up onboarding, reducing onboarding churn, and providing mistake-free payroll, ready to payout (real-time, daily, weekly, and monthly). Our mission is to eliminate borders for employment, time constraints on getting paid, and reduce the complexity of payroll across the board.
Goodlord offers the cloud-based software to help estate agents, landlords, and tenants manage the rental process. Its cloud-based software digitizes tenancy creation and progression, allowing Goodlord to cut pointless, time-consuming administration for agents while transforming the tenant and landlord experience. Goodlord also provides a shop-front for agents to easily offer services that provide more value to their tenants and landlords, such as insurance and utility services. Philip Mundy, Richard White, and Tom Mundy founded the company in 2014. It was established in London, England.
Better.co.uk is a free online mortgage broker that's making mortgages fairer for everyone. Better.co.uk has taken the mortgage process online, removing the time, hassle and costs involved in securing a mortgage. Trussle is completely free for customers and receives a fee from the lender once the mortgage was completed. Better.co.uk is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which is authorized and regulated by the Financial Conduct Authority.
Aylien is an artificial intelligence startup that focuses on creating technologies that help machines understand human languages better. The firm provides Text Analysis and News API's that allow users to make sense of human-generated content at scale. AYLIEN also provides a range of content analysis solutions to developers, data scientists, marketers and academics. Their core offerings include packages of information retrieval, machine learning, natural language processing and image recognition APIs.
Halofina is a mobile app that helps young professionals to achieve their future need by giving them investment recommendation and portfolio tracking.
Pintek is a financial technology company aiming to democratise access to education in Indonesia through affordable and flexible credit.
PerfOps offers a suite of networking products. FlexBalancer is a cloud based load-balancing services that allow for smart internet traffic routing based on performance, uptime, cost and other parameters. Simplifies Multi-CDN, Multi-Cloud and cluster deployments. PerfOps Analytics offer insight into CDN, DNS and cloud performance and uptime based on billions of benchmarks. And our 300 global servers allow users to run network tests on demand and debug their services from all around the world.
Twinco has developed the only global suppliers finance solution in the world that includes purchase order finance. By connecting banks to the platform and offering customers the possibility to manage all its supply chain finance requirements through Twinco and by embedding ESG metrics through its incentivised finance program, it aims to become also the most competitive and sustainable supply chain finance solution. By harnessing the power and scale of financial institutions and mission-driven investors, Twinco is effectively building a gateway to solving the production funding gap, fostering inclusive growth and driving the transformation of global supply chains towards more sustainable practices.
Purely Capital is a media and entertainment financing company that helps producers, rights owners, and others in the industry. The company was founded in 2018 and is headquartered in London, England, United Kingdom.
Brickblock tokenises real world assets. It was the first to tokenise real estate in Europe. Since then Brickblock is offering its knowledge and technology to B2B clients.
Fixico is a fast-growing company reinventing the automotive damage repair space, both in the consumer and business markets. Our platform digitises and streamlines the car damage repair handling process, and is used by car – fleet owners and insurers to boost customer satisfaction, reduce cycle time and quickly obtain, compare and select the best offer for car damage repair. Fixico is currently active in the Netherlands, Belgium, and Germany and operates a network of 2,000 high-quality repair shops and has processed more than 200,000 damages to date. We are passionate, innovative, move fast and break things. Our team aims for the best, challenges the status quo and enjoys growing Fixico every single day. If you ’re looking to join our talented team, please shoot us a message. For consumers: Fixico.nl – Fixico.be – Fixico.de For business partners: fixico-business.com For talents: https: fixico.recruitee.com
Symmetrical.ai is the first payroll solution users don't hate. We enable fast-paced companies to onboard at scale and run their payroll invisibly. Instead of countless, complicated processes and (Excel) spreadsheets involving a high risk of human error, we make payroll and onboarding automated. We helped rapidly developing companies scale up by speeding up onboarding, reducing onboarding churn, and providing mistake-free payroll, ready to payout (real-time, daily, weekly, and monthly). Our mission is to eliminate borders for employment, time constraints on getting paid, and reduce the complexity of payroll across the board.
Twisto is a payment app for the mobile-first era. Connected with a Mastercard and Apple Pay-compatible, the Twisto account enables customers to pay for their online purchases with just one click, deal with bills and invoices by taking a photo of them within the app, and pay just about anywhere else with the card, a special payment bracelet or Apple Pay. On top of that, the account comes with the best exchange rate possible for international payments. Twisto aggregates the payments in a neatly designed mobile app, and customers pay them all at once at the end of each month.
Pintek is a financial technology company aiming to democratise access to education in Indonesia through affordable and flexible credit.
TaxScouts is a tax preparation platform that makes tax planning easier. It allows drawing up of personal income tax online by certified accountants and its tax bot helps users to understand their personal income tax situation and suggests ways to reduce their tax bill. Founded by Mart Abramov, Kaupo Kõrv, and Daniel Karger in 2017, TaxScouts is headquartered in London, England.
Jojonomic is a mobile personal financial application that will revolutionize the way people manage their finance.
PerfOps offers a suite of networking products. FlexBalancer is a cloud based load-balancing services that allow for smart internet traffic routing based on performance, uptime, cost and other parameters. Simplifies Multi-CDN, Multi-Cloud and cluster deployments. PerfOps Analytics offer insight into CDN, DNS and cloud performance and uptime based on billions of benchmarks. And our 300 global servers allow users to run network tests on demand and debug their services from all around the world.
Goodlord offers the cloud-based software to help estate agents, landlords, and tenants manage the rental process. Its cloud-based software digitizes tenancy creation and progression, allowing Goodlord to cut pointless, time-consuming administration for agents while transforming the tenant and landlord experience. Goodlord also provides a shop-front for agents to easily offer services that provide more value to their tenants and landlords, such as insurance and utility services. Philip Mundy, Richard White, and Tom Mundy founded the company in 2014. It was established in London, England.
Hiber is a global and affordable IoT connectivity via Hiberband, industry leader in the next generation IoT core infrastructure.
Digital Insurance Group is a SaaS InsurTech, enabling insurers to innovate at record speed. Active in 8 countries. Europe & LatAm. Exit to Zurich Insurance Group in 03/2022.
TADA is a customer retention platform. We help businesses to double their profit per customer via membership, subscription, referral and digital rewards. We go #BeyondLoyalty. We provide a personalized business assessment and product demo to identify the specific ways your brand can boost customer retention to double your profit per customer. Once we have found the right solution for you, we work with you to integrate our customer retention platform and get you up and running.
SAFENED offers a fully digital onboarding solution for natural persons and corporates powered by advanced machine learning algorithms. Use SAFENED to identify customers, increase trust and prevent fraud. SAFENED offers its digital onboarding solution to European (digital only) banks, PSPs, online marketplaces and other players affected by 4AML and GDPR to optimize their identification processes in a compliant and cost-effective manner.
Better.co.uk is a free online mortgage broker that's making mortgages fairer for everyone. Better.co.uk has taken the mortgage process online, removing the time, hassle and costs involved in securing a mortgage. Trussle is completely free for customers and receives a fee from the lender once the mortgage was completed. Better.co.uk is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which is authorized and regulated by the Financial Conduct Authority.
Brickblock tokenises real world assets. It was the first to tokenise real estate in Europe. Since then Brickblock is offering its knowledge and technology to B2B clients.
The Fourthline platform provides banks and financial services providers with a complete suite of proprietary tech products that adhere to local KYC, AML and GDPR requirements in Europe and beyond. Fourthline’s AI-driven solutions unlock compliance for the entirety of the lifecycle, from onboarding, the verification and analysis, through to investigations and continuous KYC, in all stages of business development. Founded: 2017. First product launched: January 2018.
Ikbenfrits.nl is an online mortgage company.
PT. Ayopop Teknologi Indonesia, founded in 2016 and headquartered in Jakarta, Indonesia, specializes in developing billing network software aimed at facilitating seamless payment solutions. The company offers a range of tools including Biller Open API for recurring customer payments, Transaction API for bill payments and digital goods, and Biller Reminder System to enhance bill payment experiences. Additionally, Ayopop provides AutoRecon for transaction matching across systems, Ayoconnect Insights for data analytics, and Smart Payments for improved transaction efficiency. Its services cater to various sectors including utilities, financial institutions, telecommunications, online services, housing, education, and content publishing, thereby supporting a wide ecosystem of bill providers and consumers in their payment processes.
Fixico is a fast-growing company reinventing the automotive damage repair space, both in the consumer and business markets. Our platform digitises and streamlines the car damage repair handling process, and is used by car – fleet owners and insurers to boost customer satisfaction, reduce cycle time and quickly obtain, compare and select the best offer for car damage repair. Fixico is currently active in the Netherlands, Belgium, and Germany and operates a network of 2,000 high-quality repair shops and has processed more than 200,000 damages to date. We are passionate, innovative, move fast and break things. Our team aims for the best, challenges the status quo and enjoys growing Fixico every single day. If you ’re looking to join our talented team, please shoot us a message. For consumers: Fixico.nl – Fixico.be – Fixico.de For business partners: fixico-business.com For talents: https: fixico.recruitee.com
Digital Insurance Group is a SaaS InsurTech, enabling insurers to innovate at record speed. Active in 8 countries. Europe & LatAm. Exit to Zurich Insurance Group in 03/2022.
Intelliment Security is a highly scalable network security policy automation that provides software defined security controller products. Intelliment Security helps network engineering teams to provide an application connectivity self-service to the enterprise reducing firewall policy provisioning time from weeks to seconds while avoiding mistakes and ensuring the continuous enforcement of compliance guidelines. Intelliment can be integrated with ITSM and Agile CM products and can be inserted into the DevOps CI/CD pipeline, and works across both physical legacy infrastructure and virtualized ones, making them speak to each other.
Businesses capitalize on new opportunities, improve client relations, and optimize decision-making capabilities using Squirro’s vertical-specific Augmented Intelligence solutions, which combine human intelligence with powerful AI. An Insights Engine at its core, Squirro delivers contextualized insights from your most relevant data sources and displays them directly, via workbench integrations, or through self-service applications. Squirro works with global organizations, primarily in the Financial Services, Insurance, Telecommunications, and Manufacturing industries. Customers include Bank of England, Standard Chartered, ING, Brookson, and Ninety-One. Founded in 2012, Squirro is currently present in Zürich, London, Munich, New York, and Singapore. Further information about AI-driven business insights can be found at squirro.com
The Fourthline platform provides banks and financial services providers with a complete suite of proprietary tech products that adhere to local KYC, AML and GDPR requirements in Europe and beyond. Fourthline’s AI-driven solutions unlock compliance for the entirety of the lifecycle, from onboarding, the verification and analysis, through to investigations and continuous KYC, in all stages of business development. Founded: 2017. First product launched: January 2018.
Their vision is to use technology to make financial information more available and more useful to everyone. Their mission is to enable people to take control of their financial situation and save a lot of money by doing so. Their products allow people to easily make the best financial decision for their situation. Come join our adventure in transforming Indonesian financial landscape through technology.
Better.co.uk is a free online mortgage broker that's making mortgages fairer for everyone. Better.co.uk has taken the mortgage process online, removing the time, hassle and costs involved in securing a mortgage. Trussle is completely free for customers and receives a fee from the lender once the mortgage was completed. Better.co.uk is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which is authorized and regulated by the Financial Conduct Authority.
Fixico is a fast-growing company reinventing the automotive damage repair space, both in the consumer and business markets. Our platform digitises and streamlines the car damage repair handling process, and is used by car – fleet owners and insurers to boost customer satisfaction, reduce cycle time and quickly obtain, compare and select the best offer for car damage repair. Fixico is currently active in the Netherlands, Belgium, and Germany and operates a network of 2,000 high-quality repair shops and has processed more than 200,000 damages to date. We are passionate, innovative, move fast and break things. Our team aims for the best, challenges the status quo and enjoys growing Fixico every single day. If you ’re looking to join our talented team, please shoot us a message. For consumers: Fixico.nl – Fixico.be – Fixico.de For business partners: fixico-business.com For talents: https: fixico.recruitee.com
Pritle (now Binck Forward) is an online wealth manager that allows its users to easily set and track goals, such as their retirement, a child’s education, or a trip around the world, within a specified timeframe. It enables clients to define an individualized client profile on the basis of which a customized portfolio of funds is created from asset managers, such as BlackRock, Vanguard, and StateStreet. The Pritle initiative was initiated in February 2013 by banker Thomas Bunnik. In 2014 it established its first holding company based in Amsterdam, The Netherlands. Pritle was acquired by BinckBank NV in April 2017.
Legalbase filed for bankruptcy in February 2017, just one year after operating publicly in legal tech. It is no longer a company, but a product of its former major investor LegalZoom, which runs it under the entity LegalZoom Germany GmbH. Legal Base makes the services of experienced German lawyers at a fixed price available . Simple, transparent and secure. You get exactly defined services to previously fixed costs . With Legal Base gain easy security .
BUX specializes in the fields of fintech, mobile apps, investments, stocks, and zero-commission. Its platform makes commission-free investing accessible, intuitive, and affordable for both first time and existing investors. It was founded in 2014 and headquartered in Amsterdam, Noord-Holland.
Dennis Just and Christina Kehl founded Knip AG in September 2013. Ever since, they have been growing in leaps and bounds, and now have over 100 employees based in Zurich (Switzerland), Berlin (Germany), and Belgrade (Serbia). As a start-up, they are funded by venture capitalists from the U.S., Switzerland, Germany, and the Netherlands. Their company is registered with IHK, the German Chamber of Industry & Commerce, and certified by TÜV, the German Technical Inspection Agency. Their Knip app is an innovative mobile insurance manager that makes it easy for you to track all your insurance policies, premiums, and benefits. Their staff is there to advise users on all facets of their policies. You can electronically adjust premiums, execute new policies, or cancel old ones. Their insurance experts strive for transparency and unbiased advice.
Salviol Global Analytics is one of the leading providers of analytical software and corporate services in the field of information search, analysis and visualization and business process optimization, with experience in cooperating with local, regional and economic organizations and governments in Europe since 2009. Key innovations and achievements have been reached with Fraud, Risk and Operational Performance Solution, FROPS.
BUX specializes in the fields of fintech, mobile apps, investments, stocks, and zero-commission. Its platform makes commission-free investing accessible, intuitive, and affordable for both first time and existing investors. It was founded in 2014 and headquartered in Amsterdam, Noord-Holland.
Dennis Just and Christina Kehl founded Knip AG in September 2013. Ever since, they have been growing in leaps and bounds, and now have over 100 employees based in Zurich (Switzerland), Berlin (Germany), and Belgrade (Serbia). As a start-up, they are funded by venture capitalists from the U.S., Switzerland, Germany, and the Netherlands. Their company is registered with IHK, the German Chamber of Industry & Commerce, and certified by TÜV, the German Technical Inspection Agency. Their Knip app is an innovative mobile insurance manager that makes it easy for you to track all your insurance policies, premiums, and benefits. Their staff is there to advise users on all facets of their policies. You can electronically adjust premiums, execute new policies, or cancel old ones. Their insurance experts strive for transparency and unbiased advice.
Komparu is a SaaS (Software as a Service) solution for companies interested in generating revenue from high traffic websites through the integration of very fast, reliable and fully customizable price/product comparison tools.
Moni is a mobile money transfer platform that enables its users to transfer funds from their bank account directly into that of a recipient. The app lets a user choose who they want to send money to and then the amount they want to send. The user then puts in their bank details which they can either do manually or by quickly scanning their debit card using their mobile phone’s camera. The user must then choose how to send the money to the recipient: either to their bank account or to a mobile phone. If sent to the recipient’s bank account then the sender has to put in the recipient’s bank details. If the money is sent straight to the recipient’s phone, then the receiver can choose which bank account the money will go into and can put in the details him/herself. The sender is notified by text when the recipient has accepted the transfer and can track the progress of the transfer via the app and by SMS notifications. Moni was created by Fernando Saturno and Laurence Aderemi in 2013.
Zopa is a P2P money lending service that allows lenders and borrowers to deal directly with one another, cutting out the banks that act as middlemen. Zopa provides an app designed to help users manage their loans, credit cards, and savings and monitor their credit scores conveniently. Zopa also mitigates lenders' risk by enforcing monthly direct debit repayment, making borrowers sign a legal contract, and allowing lenders to lend small chunks of money to individual borrowers (e.g., someone lending £1000 would have their money spread across, say, 100 borrowers). The company itself makes money by charging a fixed fee for borrowers and a 1% annual fee for lenders. Zopa has received public acclaim as well, having been awarded CNET Technology Awards' 2006 Internet Innovation of the Year, the 2007 Webby Award for Best Banking/Bill-Paying Website, the 2008 Webby Award for Financial Services, the Banker 2007 Award for Best Internet Project, and Moneywise 2009 Awards for Best Customer Service and Best Personal Loan.