NatWest Group

Democratizing financial technology with a suite of API-based solutions

FinTech Infrastructure

UK-based Pollinate offers white-label FinTech infrastructure for banks to build cloud based, data-driven, digital solutions to help small and medium enterprise (SME) access a broad range of value-added solutions including managing payments, accessing capital, digital loyalty schemes, and generating customer insights. Pollinate has offered its platform to leading global banks including the NatWest Group and National Australia Bank.In March 2021, Pollinate raised USD 50 million in a Series C funding round led by Insight Partners, and with participation from Mastercard and the NatWest Group to invest in product development and global expansion—including a move to North America.

ClearBank is a British clearing services provider that offers a banking-as-a-service (BaaS) platform for its enterprise customers to build their financial technologies (FinTechs). It provides clearing and agency banking services, including operating accounts, connecting to existing bank accounts, and offering a range of payment services. ClearBank offers its services through a private cloud and links enterprises to its banking services through application programming interfaces (APIs) and its portal. The platform links the four main payment channels in the UK -Faster Payments, BACS, CHAPS, and direct debits.The company reported its first monthly profit (on a pre-tax basis) in October 2022, on annual revenues of GBP 45.3 million.&nbsp;In August 2024, ClearBank secured a&nbsp;<a href="https://sp-edge.com/updates/32538">credit institution license</a> from the European Central Bank (ECB), under the supervision of De Nederlandsche Bank, to support its expansion into Europe.&nbsp;Key customers and partnershipsThe company noted that of the approximately 5,000 regulated financial institutions in the UK as of September 2020, around 108 were held in ClearBank’s platform, with a further 136 in the process of being onboarded. As of November 2022, ClearBank had around 200 customers including Tide, eToro, and Coinbase, covered about 13 million accounts, and handled around GBP 3 billion (USD 3.6 billion) in assets.In September 2020, ClearBank offered its clients the ability to create multi-currency banking accounts by partnering with JP Morgan to gain access to multiple currencies, pricing, and execution through an API connection. ClearBank was also chosen by leading cryptocurrency exchange and custodian Gemini as the clearing bank for its UK banking services. Through a single API integration, ClearBank will provide Gemini with the infrastructure, including dedicated account numbers and sort codes, and access to payment rails.ClearBank subsequently <a href="https://sp-edge.com/updates/14930?industryIds=53">partnered with ThetaRay </a>in November 2022 to enhance cloud-native anti-money laundering (AML) monitoring, by leveraging ThetaRay’s proprietary AI intuition AML solution, “SOLAR.”

Vodeno is a Polish company that offers a cloud-based banking-as-a-service (BaaS) solution with a European banking license. Its infrastructure covers several retail and small and medium-sized business (SMB) banking services including digital onboarding, accounts maintenance, local and cross-border payments, cards, lending, and buy-now-pay-later (BNPL) services.Key customers and partnershipsVodeno noted that its platform is integrated with nearly 90 FinTech partners (as of October 2022) to deliver banking solutions. Moreover, the company <a href="https://sp-edge.com/updates/14020?industryIds=53">entered into a strategic partnership with National Westminster </a>(NatWest) Bank to launch its BaaS services in the UK. The companies facilitated this expansion by forming a new entity, with NatWest investing GBP 115 million (USD 132 million) and holding an 82% stake. The UK operations are powered by Vodeno’s BaaS technology as well as NatWest Bank’s banking technology and UK licenses. Funding and financials In addition to forming a new entity for its UK operations, Vodeno also received a EUR 58 million (GBP 50 million; USD 58 million) investment from NatWest, for a 9.9% stake in Vodeno, which NatWest planned to increase to 18% .

Established renewable energy technologies for a greener future

Current-gen renewables

<div>
 
 Canadian Solar Inc. (Nasdaq: CSIQ) is a leading global manufacturer of solar photovoltaic modules and provider of solar energy solutions. Founded in 2001 by Dr. Shawn Qu in Ontario, Canada, the company has grown to become one of the top solar panel producers worldwide, with a presence in over 160 countries and employing more than 13,500 people globally.
 
 
 
 
 Canadian Solar offers a diverse range of solar panels and energy storage solutions for various applications, including residential, commercial, and utility-scale projects. The company's product line encompasses solar modules with outputs ranging from 300 to 600 watts and efficiencies between 19% and 21.3%. Canadian Solar also manufactures bifacial modules capable of generating up to 30% more energy by capturing light from both sides.
 
 
 
 
 One of Canadian Solar's strengths lies in its excellent performance in low-light conditions, ensuring consistent energy production even on cloudy days or during winter months. The company's solar panels meet international quality and safety standards, offering reliable performance at competitive prices. Canadian Solar has an extensive global production footprint with 20 manufacturing facilities across Asia and the Americas.
 
 
 
 
 As of 2023, Canadian Solar has developed more than 55 gigawatts (GW) of solar energy projects worldwide, cementing its position as a leading utility-scale solar PV project developer. The company has an impressive pipeline of 23.8 GW of solar projects and 27.5 GWh of energy storage projects under development.
 
 
 
 
 In 2024, Canadian Solar was recognized with the Top Brand PV Award US for its excellence in the renewable energy industry, underscoring its strong reputation and the trust it has built among customers and business partners globally.
 
 
 
 
 Key customers and partnerships
 
 
 
 
 
 Canadian Solar has established partnerships and delivered solar energy solutions to customers across various industries and regions worldwide. The company's diverse customer base spans residential, commercial, and utility-scale sectors, solidifying its position as a trusted provider of solar power solutions.
 
 
 
 
 In 2024, Canadian Solar expanded its joint venture partnership with BrightNight, surpassing their initial targets. The joint venture now encompasses a portfolio of 30 projects with a combined capacity of over 18 GW across nine states in the US, including the Box Canyon site in Pinal County, Arizona.
 
</div>

Lightsource bp is a global leader in developing, financing, and operating utility-scale solar power projects. The company has been actively working to accelerate the energy transition by deploying affordable and reliable large-scale solar solutions for businesses and communities. Lightsource bp's core contribution to sustainability is generating emissions-free electricity, adding security to the energy mix while driving down electricity costs.
Lightsource bp's approach involves working with utilities, businesses, local communities, and governments to meet the rising demand for sustainable energy. The company leverages its gigawatt-scale operations to provide benefits through economies of scale, ethical and sustainable procurement, and continuous improvement in quality and efficiency.
As of October 2022, Lightsource bp had developed 3.2 gigawatts of solar projects across the US, delivering on its mission of driving meaningful climate action through responsible solar development. The company aims to reduce its absolute Scope one and two emissions by 42% by 2030 from 2021 levels and its Scope three emissions by 52% per MW generation capacity constructed by 2030, from 2021 levels.
Lightsource bp offers various solutions to its partners, including build-transfer agreements, where the company develops and builds the solar project, transferring ownership to the counterparty at a defined point. Additionally, the company provides energy storage solutions to maximize the benefits of solar generation.
In November 2023, bp finalized a deal to acquire the remaining 50.03% stake in Lightsource bp, making it a wholly-owned subsidiary.

Quantum information processing is slowly becoming a reality, ushering in a new technological era.

Quantum Computing

1QBit is a Canadian quantum startup that specializes in software solutions for quantum hardware. Its core products are 1QLOUD (focused on optimization), QEMIST (for material science and drug delivery), Market Sentiment Meter (algorithm trading), and XrAI (machine learning, a clinical decision support tool for X-ray interpretation). 1QBit's products are hardware agnostic; i.e. they can run on any type of hardware, including those using different methods of quantum computing as well as classical processors.Key customers and partnerships1QBit has partnered with large companies and leading quantum hardware providers to develop computing tools mainly in the areas of optimization, simulation, and machine learning including&nbsp;1) Fujitsu (May 2017) to integrate quantum-inspired computing into the realm of AI2) Dow (June 2017) to develop tools using quantum computing in the field of chemical and materials science technology3) Seeqc (2019) to develop hybrid quantum platform4) IBM (2021) to explore applications and solve complex industry problems using quantum computing&nbsp;

Providing AI-driven market intelligence and workflow automation to give firms an edge

Capital Markets Tech

R3 is a leading provider of enterprise blockchain technology and services, focused on driving digital transformation in regulated industries such as financial services. Its flagship product, Corda, is an open-source, permissioned distributed ledger technology (DLT) platform built from the ground up to meet the stringent requirements of regulated markets.Corda facilitates secure and confidential peer-to-peer transactions, enabling the tokenization of assets and the automation of workflows across different organizations. It is designed to be scalable, handling tens of thousands of transactions daily, and interoperable with other DLT platforms like Ethereum, bridging the gap between traditional finance and decentralized finance (DeFi).Key applications of Corda encompass digital bonds, tokenized assets (e.g., gold), central bank digital currencies (CBDCs), trade finance, payments, settlements, and reconciliations. As of 2023, Corda powered platforms like the SIX Swiss Exchange's digital asset exchange SDX, Spunta Banca (an interbank reconciliation system used by over 90% of Italian banks), and Wells Fargo's digital cash program for interbank transfers.The company unveiled R3 Digital Markets in January 2024, a product suite leveraging its Corda distributed ledger technology (DLT) for capital markets. The offering integrates features like digital currency, digital assets, and interoperability, building on R3's existing capabilities, including its CBDC solutions and the IVNO bank coin acquired in 2021.Key customers and partnershipsR3 boasts an extensive ecosystem comprising leading financial institutions, technology firms, regulators, and global systems integrators (GSIs) like Accenture, Deloitte, and IBM. Notable clients include HSBC, Wells Fargo, Bank of America, Euroclear, Nasdaq, Allianz, Chubb, and the Italian Banking Association.R3 actively collaborates with industry bodies like ISDA, Hyperledger Foundation, and GBBC, driving DLT standards. It has partnered with central banks worldwide, including the Monetary Authority of Singapore, and Central Bank of the United Arab Emirates (UAE), to explore CBDCs and cross-border settlements using Corda.

Bringing the benefits of blockchain to the enterprise

Enterprise Blockchain Solutions

R3 is a blockchain-as-a-service (BaaS) company that offers a permissioned, distributed application platform (Corda) that can be used across traditional financial services applications. The platform is able to integrate with existing enterprise solutions and offers features such as digital identity management, digital notarization, and network mapping with use cases across digital asset marketplaces, cross-border transaction solutions, tokenized loans and security solutions, and digital smart bonds.R3 offers digital applications to corporations to improve traceability, digitize assets, and improve how payments are made. Companies also have access to various business networks and existing payment systems on Corda. Additionally, corporates are able to build their own solutions on the platform, with support from R3 in terms of the development and management of corporate applications.Key customers and partnershipsR3 was initially formed by a consortium of nine banks, which increased to over 60 partners in the first year since inception. As a result, the company is able to collaborate and work together with financial services companies to support the adoption of Corda across the ecosystem. Some key partners that have worked with R3 on potential use cases include HSBC, Nasdaq, MUFG, and Vodafone.Additionally, the company offers multiple partnership programs for startups and disruptors that seek to use the Corda network, including the Partner Program and the R3 Development Fund.In December 2023, the company <a href="https://sp-edge.com/updates/24919">partnered with RYVYL </a>, a blockchain-based payments infrastructure platform, to develop and launch a novel BaaS solution, RYVYL Block. This joint solution offers relevant tools and building blocks required for businesses to develop secure distributed ledger infrastructure and integrate blockchain technology into existing business frameworks, specifically in areas such as banking and high-volume data processing.

FYLD is the AI-powered field work execution platform for the infrastructure sector, particularly the utilities sector and heavy civil construction.  It enables its customers to drive highly efficient and sustainable operations, in safety-focused environments.  The FYLD platform enables its customers to have full visibility into what’s happening across their daily operations in real-time, anticipate how the day may unfold, and lead by data intervention to drive those operations safely to completion every day. With FYLD's algorithms having visited over 500,000 industrial worksites, FYLD customers deploy data-led process redesign, dynamic scheduling, and break down operational silos, achieving even higher ROI.  FYLD strips away the need for time-consuming and burdensome administration while equipping field workers and team leaders with the insights they need to make better, data-driven decisions.

HF provides legal, insurance litigation, intelligence services, handling solutions to insurance companies.

Icon is an award-winning IT consultancy specialising in the financial services domain. Their critical advantage is having the combination of consultancy skills, project delivery experience and a deep knowledge of both technology and the financial services domain. This combination means that they can help their customers in meeting their challenges as well as delivering outstanding relevant commercial insights.The critical value Icon offers its clients, is the combination of deep subject matter expertise in instant payments, a proven track record in delivering bank critical systems, and a FinTech approach to the use of technology. This is evidenced by longstanding client relationships with some of the most important global financial institutions. Their drive to innovate stems from their desire to improve the technology that underpins finance without increasing its complexity. They work with their clients to bridge the gap between 21st Century technologies and legacy platforms as cleanly as possible. They don’t believe in just finding a solution,  they always strive to find the optimal and most flexible solution. Putting the right people in front of each problem allows the best solutions to be identified quickly.

Lightsource BP is the development and management of solar energy projects. They provide sustainable and affordable energy to businesses and communities to play a vital role in shaping the future of global energy delivery by deploying at least 8GW of solar capacity worldwide in the next 5 years based on a develop and operate strategy.

IG Design Group Plc design, manufacture, source and distribute a wide range of products.

Zenobe Energy manufactures and designs battery storage assets for electric bus operators, utilities, and industrial and commercial businesses. It offers grid-connected energy storage, frequency balancing services, second-life battery service, and charging services.

Cinesite is one of the largest and most creative visual effects companies in the world. Established in 1991 and headquartered in London, their visual effects team has the capacity and creativity to produce all manner of digital effects for feature films and TV shows of all scales. Their award-winning team of highly talented visual effects artists take filmmakers' ideas and turn them into spectacular cinematic reality.

Statera Energy is a company that generates, transmissions, and distributes electric energy.

Cobra Sport Exhausts has manufactures high-performance vehicle exhausts expanded across the Pennines.

Floryn is a technology-driven automated B2B lending company, with strong growth in the high volume loan segment

Vodeno offers financial, banking, credit risk management, foreign exchange, and cloud engineering services. Vordeno's cash loans, BNPL, and overdrafts are all seamlessly integrated into the platform. It allows customers to receive a credit decision in as little as 10 minutes. The company's mission is to transform the financial services industry by providing embedded banking solutions via its cutting-edge technology, compliance platform, and European banking license. Vordeno was founded in 2018 and is Warsaw, Poland.

Low Carbon is a company focused on developing and managing large-scale renewable energy projects like solar and wind farms. Their mission is to combat climate change by creating a net-zero energy future. They invest in renewable energy infrastructure, manage existing assets, and strive to minimize their environmental footprint.

The Doxford Group is to deliver the most spectacular weddings, private events and luxury overnight stays at our two rural venues.

Harmony Energy Income Trust invests in commercial scale energy storage and renewable energy generation projects.

London School of Economics and Political Science was founded in 1895 and has grown to become one of the foremost social science universities in the world, ranked alongside Harvard, UC Berkeley and Stanford.  A specialist university with an international intake, LSE's reach extends from its central London campus to around the world.  The School has a cosmopolitan student body, with around 9,500 full time students from 140 countries It has a staff of just over 3,000, with about 46 per cent drawn from countries outside the UK Over 100 languages are spoken on LSE's campus An influential network of over 160,000 LSE alumni spans the world, covering over 190 countries with more than 80 active alumni groups.

Generation Home is a new mortgage lender dedicated to making homeownership work better for everyone.

Avesta (Manchester) LTD is a wholesale supplier of security equipment based in Manchester, United Kingdom.

Bruntwood is a family-owned and run commercial real estate company, whose goal is to create the right places for people to succeed.  Every place, company and person has the potential to improve - they just need to be given the right opportunity to grow and develop. This is where Bruntwood’s expertise comes in. We focus on creating the right environments for businesses to thrive, no matter what sector they operate in. We develop, let and manage all our own buildings, combining an innovative approach to property development with a single-minded focus on the needs of our customers: if it doesn’t work for them, then it doesn’t work for us.

Ideagen is a UK-headquartered, global technology company quoted on the London Stock Exchange AIM market (Ticker: IDEA.L). The Group provides software and services to organisations operating within highly regulated industries such as aviation, banking and finance and life science, healthcare and manufacturing with its main operational premises spread throughout the UK, EU, US, Middle East and SE Asia. With an excellent portfolio of software products including Q-Pulse, Coruson, Pentana Audit, Pentana Performance and PleaseReview, Ideagen helps its clients reduce costs, improve operational efficiency, strengthen compliance and oversight and anticipate and manage every detail of risk.

Pollinate is a software business, focused on reinventing merchant acquiring for banks around the world. The business is based in London, UK, and formed of experts and global industry leaders from the financial services, merchant acquiring, loyalty, and technology sectors. Over the past decade, the acquiring industry has grown from strength to strength, due to huge advances in technology, changes to regulation, customer demand, and an increase in disruptive payment companies, challenging retail banks for ownership of their merchant relationships. Pollinate is working with banks and enabling them to compete with these disruptors. Pollinate technology is an innovative cloud-based platform that wraps around a bank’s legacy payment systems.  The platform powers merchant and consumer digital experiences including onboarding, portals, and loyalty programs, without costly and distracting platform migrations. This allows merchants to more effectively manage their businesses with digital tools and data integrations, grow their businesses by connecting with their consumers, and give back to their local communities. For banks, the Pollinate platform helps them to understand and engage with their customers better and build stronger relationships with their merchants and consumers alike. In 2019, Pollinate successfully enabled the Royal Bank of Scotland Group to re-enter merchant acquiring with NatWest Tyl, providing their business customers with a proposition developed with them at the heart.

Fernite of Sheffield is a manufacturers of fine machine knives, doctor blades, granulator knives & more.

The Renewables Infrastructure Group is an investment trust dedicated to investments in assets generating electricity from renewable sources.

Manningham Housing Association aims to provide good quality affordable homes and services for those in the greatest need in the Bradford district, and over two-thirds of our homes have three bedrooms or more.

ClearBank is a clearing and agency banking platform allowing banks and other customers real-time clearance on payment transactions and other financial services. Its services include account management, liquidity management, transaction analysis, and real-time access to payment schemes. These services help clients to make transactions fast and cost-effective for their customers. The company was founded in 2015 and is based in Bristol City, United Kingdom.

Vizolution is the leading UK provider of innovative visual sales solutions.  Vizolution enables businesses to better engage their customers remotely through instant, easy, screen sharing. Vizolution’s vScreen is a patented screen sharing technology which enables substantial improvements in sales productivity and customer satisfaction, whilst reducing compliance risk. It has been designed and developed specifically for the financial services market and so is tailored made to cater for compliance and FSA requirement.  Vizolution is all about speed and simplicity.  It is just one click for the agent to initiate a vScreen session, , and just as easy for the customer to join the session, just one simple PIN and no download. There are no firewall or download challenges for the customer, vScreen doesn’t require any new IT or software to run as it works over the internet, it works for all customers on all operating systems, computers, browsers and mobile platforms, including iPads, smart phones etc.  This ensures that the adviser can engage with their customer first time, every time - guaranteed.  . In addition, it is a no touch installation for the presenter and comfortably sits on top of existing infrastructure without any IT involvement.  vScreen is the market leading visual solution for the UK financial services sector and is used by three of the top-five UK lenders and two of the top-five insurance companies. vScreen was proven to improve sales by over 20%, this was achieved through greater engagement of the customer by using visuals, including slides, calculators and illustrations. vScreen also improves customer satisfaction and achieves 94% positive survey feedback from customers and a major reduction in calls that fail compliance.    Businesses have also substituted electronic for paper fulfilment with resulting reductions in fulfilment costs and significantly faster completion times.

Wireless Infrastructure Group is an independent infrastructure company. We build and operate communication towers and other wireless infrastructure to enable the connection between networks and the communities that rely on their services.  WIG was launched as an independent infrastructure company in 2006.  The telecoms sector is dominated by a handful of very large companies and WIG has brought competition, innovation and greater efficiency to the market. The business has grown steadily on the back of significant investment and an entrepreneurial approach to developing shared wireless infrastructure.  AlvahSince 2006 we have built new infrastructure across the UK and also acquired under-managed infrastructure from a wide range of sources including utilities, mobile operators and police forces.  We now have more than 2,000 shared communication infrastructure assets in our portfolio and have recently started operations in Republic of Ireland and the Netherlands.

Cennox Plc are a specialist international ATM services business. They provide a range of sector specific services & project capability designed to help their banking clients, increase transaction levels, and reduce costs. The Cennox team is made up of sector specialists who have extensive experience both operating ATM estates and at ATM service providers, signage and branding services and parts logistics. They work with many of the worlds leading banks and can offer a complete end to end solution for your business across the globe.

1QB Information Technologies is a quantum computing software company. 1QBit solves computational challenges by recasting problems to harness the power of quantum computing.

Hyperoptic's true superfast broadband technology differs from the services currently offered by most other leading UK internet service providers in that it provides unimpeded fibre speeds directly to the premises. Other so-called ‘superfast fibre' services are generally hybrids, relying on existing infrastructure and dated copper cables to make up at least part of the line, resulting in drastically reduced internet speeds and unpredictable performance. The UK currently lags behind other international markets when it comes to the availability of true hyperfast broadband, with FTTH technology available in less than 1 per cent of homes. In contrast, Japan boasts over 50 per cent penetration and the US around 10 per cent, according to FTTH Council Europe. With an aggressive expansion and development plan fuelled by this new investment, Hyperoptic is now primed to play a significant role in closing this gap.

R3 provides enterprise technology and services for direct, digital collaboration. The company’s multi-party solutions leverage its trust technology, connected networks, and expertise in regulated markets to improve processes in banking, capital markets, global trade, and insurance. As an early adopter of both private distributed ledger technology (DLT) application platforms and confidential computing technology, R3 enables institutions to leverage direct digital collaboration fully. The company manages one of the largest DLT production ecosystems globally, connecting over 400 institutions, including global systems integrators, cloud providers, technology firms, software vendors, corporates, regulators, and financial institutions from both the public and private sectors.

UKFast is the largest privately-owned hosting provider in the UK. They have earned over 18 years experience in cloud technology and dedicated hosting. Their focus is providing the highest levels of service possible and earning life-long loyalty from their customers. They focus on speed in everything they do; whether that’s aiming to be the first to market with a new innovation or answering your call within three rings. Their aim is to help you to achieve your business goals faster.

CORETX helps to transform organisations through high performance technology solutions built and delivered on our own data centre and network infrastructure.  People are at the centre of CORETX’s business; removing barriers, enabling workflow, empowering users and utilising the opportunities presented in the new digital economy.

Canadian Solar is a solar power company that manufactures and sells solar cell and module products that convert sunlight into electricity for a variety of uses. Canadian Solar designs, manufactures, and sells a wide range of solar energy products, including solar modules, solar system kits, and solar power plants. They provide solar solutions for residential, commercial, and industrial customers, as well as utility-scale power projects. The company's solar modules are widely used in various applications, including grid-tied solar power plants, off-grid systems, and residential rooftop installations. In addition to manufacturing solar modules, Canadian Solar is also involved in the development and operation of solar power projects. They develop and build solar power plants globally, contributing to the expansion of renewable energy infrastructure.

MiGlass is one of the largest independent glass processors and Glass Manufacturers in Europe providing a turnkey solution for all flat glass processing needs & specialising in flat glass decorative products for all markets.

PhotoBox is Europe's leading community for sharing, printing and personal publishing with over 30 million members.

DE Group is a pharmaceutical wholesalers, offering our customers a full line  range of generics, an industry leading range of parallel imports, plus ethicals, dressings, feeds, OTC’s, dispensary consumables, veterinary products, and specials.

They are a leading commercial property investment manager, focused on the UK market and acting on behalf of institutional clients world-wide to advise on investing in and the active management of UK commercial property assets.

Cygnet Group is a group of specialist engineering businesses delivering engineering solutions in two strategic areas; production and processes of technical fibres and oil and gas technology.

Ascent Corporation is a leading provider of comprehensive solutions for the planning, design, engineering, development, and operation of data centers and other mission critical facilities. Headquartered in Saint Louis, MO, Ascent specializes in powerful, efficient, and technologically advanced mission critical facilities and offers clients a broad range of delivery models spanning shell & core, build-to-suit, turnkey, and outsourced critical systems operations.  Founded in 1998, Ascent provides a full spectrum of fast track services that include project programming, design management, facility assessment, development and construction management, commissioning, and ongoing maintenance operations. Today, Ascent focuses on providing clients with innovative solutions and services yielding the highest levels of operational autonomy, efficiency, and control. Ascents clients include some of the most demanding mission critical organizations spanning multiple industries, Fortune 500 firms, and service providers.

Peckforton Pharmaceuticals Ltd. is a fast growing, dynamic speciality pharmaceutical company that manufactures, distributes and sells prescription and OTC products in the UK and Europe.The company is focused into two divisions, Branded and Hospital. Each division has distinct and separate requirements to support both the patient and the healthcare professional, with the primary focus on ensuring and maintaining the ‘quality of supply’ and the ‘quality of medicine’.

Fairline makes elegantly designed and considered boats that handle beautifully.

Gada Group is a distributor of medical technology devices and equipment and also a provider of services to public and private health sectors.

Willowbrook Healthcare Limited owns and operates healthcare homes. It operates three separate nursing care suites, one for younger persons with an enduring mental illness characterized by episodes of challenge type behavior, a second for persons with a dementia type pathology together with a challenging behavior profile and a third facility for self–funding persons with either early onset or more advanced dementia of a non challenging nature.

With expertise across a wide range of industry sectors, and over 20 years’ experience in the mobility marketplace, Jade provides enterprise mobility solutions that streamline business processes, optimise workforce productivity and increase profitability.  Offering vendor-agnostic advice to meet business-critical challenges, Jade is recognised as an independent trusted advisor and offers a range of solutions encompassing: Field Mobility Warehousing and Distribution Electronic Proof of Delivery Asset Management Supply Chain and Inventory Management Structured Cabling

Photonic Materials is a developer of optical crystals used in fibre-optic communication components.

Skinkers is the UK based software developer that provides communication management software to help organisations overcome the current limitations of existing digital channels. We tick all the boxes!  [Microsoft](http://www.crunchbase.com/organization/microsoft) and Skinkers signed a technology for equity deal in 2006, a first for Microsoft in Europe.  Skinkers owns the intellectual property rights for the peer-to-peer technology developed by Microsoft Research. Microsoft has a minority equity stake in Skinkers.  Skinkers and Microsoft won the UK Partnering for Innovation Award [this year](http://www.livestation.com/news/25-skinkers_and_microsoft_win_partnering_for_innovation_award).  Livestation was released for beta testing in July to moderate [reviews](http://www.techcrunch.com/2007/07/06/first-look-at-livestation-not-much-to-report)  and is expected to be released to the general public in the fall. While it is often compared to [Joost](http://www.crunchbase.com/organization/joost), Livestation is different in that it streams live video, as opposed to offering video On-Demand.  Livestation official channels include  Al Jazeera, BBC World News, Bloomberg Television, EuroNews (English, French, Italian and now Spanish), France 24, i>Tele, Russia Today and BBC World Service. A feature allowing viewers to add their own channels has just been launched and has over 400 channels already. To watch Livestation, users must download a free video player, which is available for beta [testing](http://www.livestation.com/user/signup).  With added [funding](http://www.techcrunch.com/2007/10/29/skinkers-raises-16-million-series-b/), Skinkers is looking to compete in an increasingly [cluttered](http://www.techcrunch.com/2007/07/13/live-p2p-television-streaming-now/) P2P IPTV space  with competitors like [Zattoo](http://www.crunchbase.com/organization/Zattoo),  [Babelgum](http://www.crunchbase.com/organization/babelgum),  [Next.TV](http://www.techcrunch.com/2007/09/05/more-competition-for-iptv-hp-launching-nexttv/), as well as a number of Chinese based companies ([Sopcast](http://www.techcrunch.com/2007/07/13/live-p2p-television-streaming-now/), [PPLive](http://www.techcrunch.com/2007/07/13/live-p2p-television-streaming-now/), [PPMate](http://www.techcrunch.com/2007/07/13/live-p2p-television-streaming-now/)).

Web4Test operates as an application service provider. The company provides an online learning and training solutions. It provides assessment system, email support, online tutorial, reporting, scheduling, and benchmarking of students, lecturer, and institution

NatWest Group plc, is a majority state-owned British banking and insurance holding company, based in Edinburgh, Scotland. The group operates a wide variety of banking brands offering personal and business banking, private banking, insurance and corporate finance.

<div> NatWest Group plc (LSE: NWG) is a major retail and commercial bank based in the UK. Founded in 1968 and headquartered in Edinburgh, NatWest serves over 19 million customers across its retail, commercial and private banking segments. The bank was bailed out by the UK government during the 2008 financial crisis and remains partially state-owned, with the government holding a 35% stake as of February 2024. NatWest reported an operating profit of GBP 6.2 billion for the full year 2023, its highest since 2007. NatWest offers a wide range of banking products and services to individuals and businesses. Its retail banking arm provides current accounts, savings accounts, mortgages, and personal loans. The commercial banking division serves small businesses to large corporations with lending, deposits, transaction services, and risk management solutions. NatWest's private banking segment caters to high-net-worth individuals through its Coutts brand. The bank has been investing heavily in digital transformation, with over 10 million active digital users across its online and mobile platforms as of 2023. NatWest also operates Tyl, an innovative card payment solution for businesses. In recent years, NatWest has focused on streamlining its operations and improving profitability. The bank has been gradually reducing the UK government's ownership stake through share buybacks and is targeting full privatization by 2026. NatWest has also emphasized its commitment to sustainability, providing GBP 61.9 billion in climate and sustainable funding and financing since July 2021 against a target of GBP 100 billion by the end of 2025. The bank expects income for 2024 to be between GBP 13 billion and GBP 13.5 billion and is targeting a return on tangible equity of over 13% by 2026. </div>

NatWest Group names new head for India GCC business from AmEx

NatWest Venture

Buy Now, Pay Later

The providers plug into merchant checkouts and convert business purchases into installments.

These platforms integrate with the merchant’s e-commerce checkout and primarily offer the BNPL solution through their app. Consumers are restricted to shopping at merchants integrated with the provider in most cases.

These providers integrate with the merchant’s e-commerce checkout. The service is offered through the provider’s app or a virtual card that facilitates in-store application, including non-partnered retailers.

These companies offer merchants and financial institutions a white-label product to provide in-house BNPL solutions.

Making banking work, without the paperwork

Neobanks

Platforms offering digital checking and savings accounts that target all types of individual consumers

Platforms offering digital checking and savings accounts that target businesses and freelancers

Platforms offering loans and/or other forms of credit to consumers, solely via digital channels

Platforms offering loans and/or other forms of credit to businesses, solely via digital channels

Platforms offering digital checking and savings accounts that target niche consumer segments with specific interests such as kids, teens, and ethnic minority groups

NatWest Group

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