SCHUFA Holding AG and fino have bundled their activities around Know Your Customer services for the fulfillment of regulatory obligations and founded KYCnow in order to support obligated parties under the GwG in the complex and difficult KYC process. With the KYCnow platform, banks and other obligated parties are supported in complying with the legal requirements in the KYC process from start to finish. KYCnow can be used as a complete solution or as a flexible modular solution - depending on requirements.

The primary goal of KYCnow is to support companies in the efficient and effective fulfillment of regulatory requirements and to help ensure that KYC-relevant information can be obtained using a uniform standard.

finAPI GmbH is an established provider of software for banks and other financial service providers. At its headquarters in Munich, the company develops and implements sophisticated solutions for data integration and analysis, also using technologies from the field of artificial intelligence.

finAPI and SCHUFA cooperate closely in the development of XS2A-based solutions for the secure and convenient identification of consumers in online transactions, among other things. The finAPI REST-API platform enables secure access to currently 58 million end customer accounts and is also used by companies that are already contractual partners of SCHUFA. In addition, finAPI has a BaFin license, which is required for the operation of account information services (KID) or payment initiation services (ZAD).

Lowell is one of the leading European providers in receivables management.

The company's aim is to develop solutions for its customers and consumers when dealing with outstanding receivables.

Thanks to extensive expertise in data analysis and excellent risk management, Lowell can offer its customers competent solutions in all areas of receivables management - from debt purchase and collection services to the outsourcing of business processes. Lowell takes an ethical approach to debt management and always tries to find the most appropriate, sustainable and fair solution, taking into account a consumer's individual situation.

The Universum Group is a successful, independent debt collection service provider and respected payment guarantee provider.

In the area of risk and receivables management, it offers you the entire value chain from a single source. It accompanies the entire life cycle of your receivable, from its creation to successful recovery.

With expert advice and a modular product landscape, it develops holistic solutions for its customers, thereby tapping into untapped sales and earnings potential. With its innovative FlexiPay® service package, it also provides a customer-specific e-payment solution for the entire payment process and guarantees maximum customer satisfaction.

With more than 360 qualified employees, the REAL Solution Group is a leading independent and owner-managed group of companies.

REAL Solution has been a reliable partner on the market for more than 27 years. Customers benefit from complete debt collection throughout the DACH region. In the area of e-payment, REAL Solution offers individual solutions for securing invoice purchases and direct debits. The Payment Guarantee PLUS also includes debtor and risk management solutions.

Bad Homburg Inkasso (BHI), with its service companies and holdings, is the market-leading competence center for receivables and collateral management for the Sparkassen-Finanzgruppe and its municipal and SME customers.

Coface is one of the world's leading credit insurers. Coface evaluates, insures and supports companies in B2B business and ensures transparency and security.

The group of companies offers companies all over the world solutions for receivables management in domestic and export business.

Foconis GmbH combines highly specialized expertise from many years of project experience with a unique portfolio of innovative software solutions. Future-proof, reliable and cost-effective, the more than 400 employees of Foconis GmbH at nine locations support their more than 850 customers worldwide with customized services for crucial core processes in finance and banking. The company focuses on the areas of data analysis and combination, process efficiency, business intelligence, payment transactions, compliance management and trading.

zetVisions GmbH is a software provider for company-wide data management. zetVisions develops and implements solutions for master data and investment management. The software solutions from zetVisions ensure data quality, reduce sources of error and accelerate work processes. In the world of master data and shareholdings, our software solutions provide clarity and foresight. zetVisions is passionate about understanding data and has been an expert in data governance for over 20 years. With experience from over 400 cross-industry projects, zetVisions is the leading European software provider and market leader in investment management. zetVisions' customers include numerous DAX, MDAX and SDAX corporations as well as medium-sized companies and municipalities.