CaixaBank

Facial recognition delivers incredible convenience to consumers, as well as serious risks.

Facial Recognition

FacePhi offers a range of facial recognition identity authentication solutions for transaction approval and digital onboarding. FacePhi’s Selphi software allows the user to perform ID authentication via a selfie. The selfie is encrypted and sent to the bank’s database to be used for payee authentication. The encryptions ensures the user's privacy, as the full image is not sent to the bank.&nbsp;In 2023, FacePhi recorded an annual revenue of EUR 25.15 million (USD 26.4 million).Key customers and partnershipsIn May 2021, FacePhi partnered with Revelock, a Spanish fraud detection company, to provide comprehensive identity verification and fraud prevention solutions for financial institutions. In February 2022, the company partnered with software company Oracle Cloud Marketplace to act as a distributor for FacePhi's digital onboarding and facial recognition solutions.&nbsp;In November 2021, the company also partnered with airport operator Aena to offer identity verification for passengers and employees at a price of USD 1.7 million for four years. Aiming to expand its presence in the LATAM region, FacePhi established a regional office in Uruguay in March 2022, followed by an agreement with Hites, a Chilean department store, to use remote selfie onboarding technology to allow<a href="https://sp-edge.com/updates?industryIds=16"> Hites’</a> customers to apply for credit cards online.&nbsp;In May 2024, the company entered a strategic partnership with Hancom Group, making it the exclusive distributor of FacePhi's products in the Asia-Pacific region.As of November 2024, FacePhi served over 300 clients across more than 25 countries, with a client retention rate exceeding 95%. The company's technology was being used by several Spanish airlines including Air Europa, Binter, Iberia, and Vueling. Samsung Securities became a technology client in 2024, strengthening FacePhi's presence in the Asia-Pacific market.&nbsp;

Italcer Group is a manufacturer of indoor and outdoor ceramic products.

Siemens Gamesa supplies wind turbines and power solutions to customers. The company is a global leader in the renewable energy industry specifically in the development, installation, maintenance, and manufacturing of wind turbines. Siemens Gamesa's vision is to be the global leader in the renewable energy industry driving the transition towards a sustainable world. Siemens Gamesa was founded in 1976 and is based in Zamudio, Spain.

The parent company Ferrovie dello Stato SpA is 100% owned by the Italian Ministry of Economics and Finance, and controls the operating companies in the four industrial sectors: transport, infrastructure, real estate services and other services. All the companies nevertheless maintain their own company characteristics and are run autonomously in pursuing their respective business objectives. Ferrovie dello Stato SpA, while leaving the autonomous legal responsibilities of the companies in which it holds shares unchanged, mainly carries out company type activity which is typical of a holding company (management of the subsidiaries, share ownership, etc..), as well as industrial type work. Through a system of Central Directorates, the parent company also sets strategic approaches and ensures the orientation and the coordination of the industrial policies of the operational companies. Leader in passenger rail transport, with 88% market share, and freight, with 7%, the FS Italiane Group has about 74,200 employees, 8,000 trains running per day, more than 830 million passengers per year, and 50 million tonnes of goods per year. The railway network includes over 16,700 km of tracks, of which about 1,000 km are dedicated to high-speed services. The FS Italiane Group aims to become the enterprise system that implements integrated and sustainable mobility and logistics services by exploiting synergistic transport infrastructures, thus creating value in Italy and abroad. In 2016, the FS Italiane Group confirmed its excellent performance, achieved over the past years, by reaching impressive financial results and profits of €772 million, never before achieved by the company. On 1st December 2016, the CEO of the Gruppo Ferrovie dello Stato Italiane Renato Mazzoncini was unanimously elected as President of the Union Internationale des Chemins de fer (UIC), the association which represents the railway sector at a global level. The election recognises the commitment of the group in developing the railway sector and the ability to best represent its interests. It also means an important milestone for the Italian system, which will have the chance to influence the creation of transport policies at a global level, in one of the most strategic industries for investment and in terms of the impact it has on people and a country's economy. The UIC will also be called upon to play the vital role of consultant and advisor for the large investment programmes which are currently under way, or are scheduled for the next few years around the world: from the TEN-T European corridors (passengers and freight) to China, the US, India and Russia. Another important stage in the renewal process has been the introduction of the new Busitalia Fast service, which was presented in April in Berlin on the occasion of the sector's international trade fair Bus2Bus 2017. It offers competitive transport services at a domestic and European level, with high levels of safety and innovation. Created with the aim of becoming the main European player in long-distance mobility by bus, the service runs daily service to 15 Italian regions and over 90 cities in Italy and Germany, with a fleet of 60 latest-generation buses. And then during 2017, the FS Italiane group's rail freight transport and logistics services changed radically with the launch of the Polo Mercitalia, a single, large hub that brings together the group companies that operate in this area (Mercitalia Logistics, Mercitalia Rail, Gruppo TX Logistik, Mercitalia Intermodal, Mercitalia Transport & Services, Mercitalia Shunting & Terminal, TerAlp and TLF). On 29 December 2017, Anas joined the FS Italiane Group, contributing to the establishment of the first integrated rail and road hub in Europe for serving residents and investing €108 billion over the next ten years. However, the FS Group doesn't just limit itself to national borders. As the number one European railway company for profitability, the Company exports Made in Italy excellence for the development of railway networks all over the world: the Mediterranean, the Middle East, Eastern Europe, the Balkans, Latin America, USA, India, and Australia. The main services offered on the international market are engineering, and the management of passenger transportation and logistics, infrastructure, and stations.

El Corte Inglés is a business group with more than 80 years of history, upholding the same values as always. Our steadfast principles of ethical and responsible conduct  allow us to evolve towards an omnichannel model more aligned with digitalisation, diversification and sustainability. This has meant a progress in the transformation of El Corte Inglés from a retailer to a unique ecosystem. Without ever taking our eyes off the product and service quality, expertise, curated selections, guarantees and innovation we offer with the ultimate goal of making people's lives easier.

Fincantieri is one of the shipbuilding groups and number one by diversification and innovation. It is  leader in cruise ship design and construction and a reference player in all high-tech shipbuilding industry’s sectors, from naval to offshore vessels, from high-complexity special vessels and ferries to mega-yachts, ship repairs and conversions, systems and components production and after-sales services.

Somos simples, únicos e de confiança, vendemos tudo o que precisa e o que não precisa, mas que ninguém vai conseguir resistir. Porque vamos dar ideias de tudo o que já conhece e do que nunca ouviu falar. O nosso centro comercial online permite comprar sem sair do sofá, sem ter de procurar lugar para o carro, andar quilómetros, percorrer várias lojas a procura de um produto. Realizamos uma entrega imediata com garantia de qualidade.

Reby is a European multinational company involved in the design, construction, financing, operation (DBFO), and maintenance of public sharing transport infrastructure. It manufactures its own vehicles, eschewing Chinese-made scooters.

Angles Aguinaga offers new and better solutions to the food market and to consumers based on high-quality seafood. The company provides creative designs and packaging, sales and marketing techniques, and organizational management. It adapts to market and consumer needs by innovating and improving the quality of its products. Angles Aguinaga works with nutrition experts and health professionals to design a product in accordance with new health trends.

FacePhi is the leading Spanish company in biometric solutions for identity verification, specialized in facial recognition systems, digital onboarding and safe work environments. Based in Alicante and operating worldwide, the company has a presence in more than 25 countries, has performed more than 1 trillion authentications, 21 million access programs and has a strong presence in the banking sector. The drive of biometrics to improve customer experience and protect data from citizens and entities is the hallmark of the firm.

Mainstream Renewable Energy does project design and management for renewable and alternative energies. Mainstream has delivered more than 800 MW of wind and solar assets into commercial operation and is currently constructing a further 1.5 GW across Latin America and Africa.  Mainstream was founded in 2008 and headquartered in Sandyford, Dublin.

Kosmos Tennis is pleased to announce the launch of www.daviscupfinals.com, which will be operational as of 22nd January, to keep the public informed about all aspects of the new Davis Cup Finals. The new website provides easy and intuitive access to all aspects of the new competition format, especially the finals, which will bring 18 national teams together in the same city over the course of a week. The new website will also report on the most significant events of the qualifiers set to take place in February.

Soltec, the Third Largest Tracker Supplier Worldwide in 2017, manufactures and supplies cost-effective horizontal single-axis solar trackers and related services. Soltec enjoys top-tier customers repeating business thanks to their history in solar tracking and to their amazing team dedicated to customer experience and innovation.  Highly dedicated to innovative research and product enhancement to offer the industry’s premier technology, the company reached annual shipments of 1,097 GW worldwide. Its facilities are in Argentina, Australia, Brazil, Chile, China, Denmark, India, Israel, Italy, Mexico, Peru, Spain and the United States. Soltec enjoys repeating customers thanks to its high-tolerance installation and reliability to meet project criteria of schedule, cost and quality.

Socialpay is a pioneer startup in the design of a payment solution using the escrow system , which has clients such as Vibbo (Grupo Schibsted), Truecalia, Capital Cell, Orain, and more than 30 online intermediaries. It is a tool that adapts to any type of business: on demand, crowdfunding, crowdlending, travel and events, purchases in marketplaces ... It is also adapted to the new European regulation on payments, PSD2 and is postulated as one of the few experts in Spain in Blockchain engineering , developing several DApps such as Watafan or Visualeo.

Spanish multinational Retail company with Headquarters in Barcelona. Leading Brand worldwide and one of the main exporting companies in the European textile sector.

CaixaBank is the leading financial group in the Spanish market both in banking and insurance and develops a strategy of diversification in participations in international banks and leading service companies.  The Group’s essence and distinction lies its involvement and firm commitment to society. CaixaBank exercises the banking business based on the values of leadership, confidence and social commitment.  CaixaBank, S.A. formerly Criteria CaixaCorp, is a Spanish financial services company owned by the Catalan savings bank La Caixa.

<div> CaixaBank, S.A. (BME: CABK) is the leading financial group in Spain and a major player in Europe. Founded in 1904, CaixaBank offers a full range of banking and insurance products and services to its 20.2 million customers through a network of 4,138 branches and 12,399 ATMs across Spain and Portugal. CaixaBank provides retail, business, and corporate banking services. Its main products and services include: <ul> <li> Retail banking: Checking and savings accounts, mortgages, personal loans, credit cards </li> <li> Business banking: Financing solutions, cash management, international trade services </li> <li> Corporate and investment banking: Capital markets, M&amp;A advisory, project finance </li> <li> Asset management and insurance: Investment funds, pension plans, life and non-life insurance </li> <li> Digital banking: Online and mobile banking platforms for retail and business customers </li> </ul> As of December 2023, CaixaBank reported a return on equity (ROE) of 12.57% and an efficiency ratio of 42%. The bank has a strong capital position with a CET1 fully loaded ratio of 12.8%. CaixaBank is committed to sustainability and aims to mobilize EUR 64 billion in sustainable finance by 2024. The bank is a signatory to the Poseidon Principles, aligning its ship finance portfolio with responsible environmental practices. CaixaBank continues to invest in digital transformation and innovation to enhance customer experience and operational efficiency. </div>

European Digital Banking Platform CaixaBank Releases Plan to Ensure Sustainable Profitablility

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

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<div>
 CaixaBank, a mobile-based BNPL solutions provider from Spain, has partnered with Apple to offer split payments for ecommerce transactions using Apple Pay.
 The new deal will allow CaixaBank customers using iOS 18 and iPadOS18 to split their online and in-app purchase payments using Apple Pay. This feature is expected to be available in the coming months.
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