AppQuality: new round, new goals

AppQuality, Italian crowdtesting platform founded in 2015 in Cremona, continues along its path towards and closes a round of investments of 3.5 million euros. CEO Luca Manara tells how they have worked to achieve this result and how they will work in the coming months by investing the new capital available.

What do you think were the factors that led you to this success?

An awful lot of much resilience, perseverance, discipline, confidence in the future and hard work. Every valuable result requires a lot of commitment, an agile, lean approach and a lot, a lot great deal of execution: there are no shortcuts. It was hard, but it was hard from the beginning, when we still didn’t even know if there was a market for what we were proposing, when the experiments we were doing didn’t give results, when the first prospects were slamming the door in our faces. But every closed door was something new that we were learning. And at the next door we would change our positioning, study the value proposition better and refine the compelling reason for buying.
Without doubt, metrics are also important: you have to go on the market, collect indicators and customers, you are not doing something of value if someone is not willing to pay for it, there are no free lunches.

How will you use the money you raise?

The entry of P101 will allow us to invest in the technology of our platform and therefore to offer companies quantitative and qualitative tools to develop the best apps and digital solutions. This will allow us to further increase the high quality and level of service we guarantee to our customers and to start working towards international expansion.
Today the User Experience drives the digital economy: companies compete in terms of UX innovation and quality in the development of digital products becomes a critical success factor. We’re entering this very field that will be increasingly central in the years to come.

Will your team change too?

The team will evolve a lot. We need to double it in a few months. Surely the figures that we will insert are both on the commercial side, to push the rate of acquisition of new customers, and also on the product development side, to further improve the services offered, the effectiveness, efficiency and quality of our solution.

Taking into consideration The Coronavirus, and the consequent push towards digital in Italy, what kind of impact are they having and what kind will they have on your business?

It’s Hard to give a precise answer: it’s a stormy sea, but I like to say that a flat sea is not for experienced seamen. In any case we are mainly experiencing positive effects. Many verticals are investing in digitization and in particular the fintech world. Many large banks are accelerating the development of their digital solutions because, if it was not clear enough before, these will be the main channel for customer acquisition and management. It is sufficient it to say that, according to some research done, 75% of the users of these solutions in the last month are new

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Crispy Bacon’s mission? Create memorable digital experiences

Crispy Bacon is a software development company with the aim to create memorable digital experiences through disruptive technologies, approaches, and methodologies. This fintech has recently joined the Fintech District community. Founder Marco Volpe explains what he deals with and the next goals.

What does Crispy Bacon do?

Crispy Bacon is a digital company with a really ambitious goal, we want to create memorable experiences in the digital world. Which way? Pursuing an idea that is to be constantly technology-driven to offer the best technologies to our customers, innovative technologies that must also be easy to use. This is why we also take care of the whole user experience and user interface part.

What’s your latest news?

Crispy Bacon is a company in constant evolution. Working closely with the financial, banking and insurance sectors, we are continuing to evolve the technologies we offer our clients. The latest projects we have followed have been very exciting because we have used conversational interfaces, we have done image recognition activities and we have started to use frameworks as Flutter that are giving a very interesting performance to all players in the industry.

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What do you expect from your entry into the Fintech District?

We have chosen to join Fintech District because although we are not a product company but a service company, we believe that our strong skills in the field of user experience, user interface and above all development, can allow us to offer a lot to the fintech sector and to become ideal partners of many companies both already in business and startups that want to grow and grow their product digitally. In this Fintech District experience, we hope to bring our value and have the opportunity to collaborate with many companies that are part of our group.

What are your internationalization goals?

Crispy Bacon has always looked overseas and for two years we have been working with Y Combinator, one of the most important incubators in Silicon Valley where we have partnered with companies and startups that have received their first rounds of investment. A few months ago we opened an office in Albania, a headquarters that allows us both to expand the activity of Crispy Bacon in the Balkans, and above all to offer maintenance service at attractive costs for Italian companies.

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UX 4 Fintechs 2- The future of payment cards

The tips of Enhancers, Fintech District’s technical partner, continue to help you realize how an effective UX can enhance your business. Today let’s speak about payment cards. For community startups there is a special pack to optimize this aspect too, you can find out here what it provides.
Enjoy reading!

A short guide to digital transformation in the wallet.

1. Recycling plastic
In banking jargon payment cards are commonly referred to as plastic. The same raw material that industrial designers have been working with since the ’50s, shaping new and meaningful objects that fueled the spectacular growth of the home furnishing industry worldwide. UX designers today can play a similarly pivotal role for debit, credit, prepaid cards in the age of open banking, envisioning future experiences and new, relevant products, both digital and physical.
We Enhancers are already pursuing this opportunity, beginning with a preliminary map of emerging behaviors and trends, and innovative card-based services. Here are the first results of our exploration.

2. Open payment
Card-related rituals—such as hiding when entering a PIN, writing down codes as fake phone numbers or constantly moving cards from the wallet to safe places at home and back—show how cards are often perceived as strictly personal, privacy-sensitive and potentially vulnerable objects.
Yet a paradigm shift is happening exactly in this discomfort zone, with cards progressively turning into digitally shareable money-management tools. Products such as Extend or Spendesk, enabling advanced virtual cards management for companies, as well as services experimenting with temporary credit card sharing through mobile apps, are all connected to this trend. In an open banking environment, also the cards are morphing into “open platforms”. Radically new co-payment experiences are on their way.

3. Credit under construction
Cards were the fastest-growing non-cash payment method last year (+17% YoY for debit cards, +11% for credit cards). This apparently unlikely increase in usage, as the mobile payment hype is peaking, can be partially explained by more and more inclusive policies, with simplified and progressive access to credit cards for everyone. Forget about credit score: the new generation services like CreditStacks (a card for professionals relocating to the US), are based on a credit building experience. The focus is less on the actual financial situation of users—their “history”—, than on their potential, as defined by their money-related behaviours, their payment patterns and so on.
Amazon itself has released its own Store Card Credit Builder; at the same time, more and more products laser-targeted to specific audiences are being launched: Deserve, for instance, grants college students a card designed to manage education expenses, as well as the post-graduation phases.
Getting a credit card is not a mid-term objective anymore, but a starting point. New interaction models become now available for cardholders, like the one provided by Zero: a payment-meets-loyalty service where new users start at entry-level with a few benefits such as basic cashback and minor rewards, and can then scale the program by reaching yearly spend goals, with increasing benefits and a fancier and fancier physical card (from quartz up to carbon).

4. Let’s get physical
Speaking of which, the actual features of the card as a physical object are being experimented with extensively.
The plastic gets augmented with built-in technology in order to maximize speed and safety. Battery-less fingerprint readers on the cards, for example, are likely to become a default feature for next-gen products: users add their fingerprints when activating the card and can then authorize transactions with no need of PINs or external devices.
Mastercard and Visa have already developed this kind of solutions, that are being rolled out by banks such as NatWest. Zwipe goes one more step beyond by embedding its fingerprint technology in wearables: not only a ground-breaking payment tool, but also a source of highly valuable financial-biometric data driving new services yet to be envisioned.

5. The end is the beginning
Openness, access, hybrid technology. If payment cards have a future—and we Enhancers are pretty sure they have one—this is where we all should start designing it. The evolution of fintech involves rethinking plastic too.

If you want to find out more about the other bets, click here!

UX 4 Fintech: 1st point of the Enhancers Decalogue

Before the summer we presented you the decalogue that our technical partner Enhancers created for our community, to explain how and why UX is essential for a fintech. If you want to read it again, you can find it here. Today we will tell you the first point.


A data-driven transformation that creates stunning opportunities

1. Goodbye, marketing funnel

The so-called intent, as Google has codified it, is the new protagonist of marketing: the elusive intention, but strongly contextual, that guides the purchase paths, never being linear and predictable. Users don’t go from left to right or from the top down – from awareness to loyalty – as in traditional models anymore; they move in every possible direction instead, often going in circles, and in a way that’s very difficult to predict.
Some examples: more than 125 touch points visited to buy cosmetics. More than 350 for a headset. More than 500 for a trip. It’s a maze-like space where behaviours like webrooming (exploring online to purchase off line) and showrooming (visiting physical stores to purchase online) appear, extending the retail jargon with terms like ROPO (research online, purchase off line) and ROTOPO (research online, test off line, purchase online). Behaviours that cannot be stopped with aggressive actions such as a “tax” for people who try shoes in a store without buying anything. In this context is decisive for any brand to fulfil intent in the shortest possible time. Let’s call it time-to-intent. The proximity to payment and money management tools will get more and more crucial. Enter the bank account.

2. From bank statement to experience hub

The momentous transformation of the bank account into an active space, powerful management tool and operational dashboard, also opening to the outside with the EU directive PSD2, creates tremendous opportunities for marketing and sales. The bank’s knowledge about daily needs, actual expenses, habits and preferences shown by transactions, and also about customers’ goals set through personal financial management tools (PFMs), is certainly smaller than Facebook’s or Amazon’s, but it’s definitely accurate and actionable. Money spent and actual shopping patterns are the most reliable proxies for people’s real behaviours. Enriching these data with the information collected online by players outside of the finance industry could feed the most effective prediction engine.

The bank account as a channel has been used so far by banks mostly to promote financial products and services from their own catalogue. But new models are appearing, providing account holders with any kind of customized offers – not just about credit cards or mortgages. With highly targeted call-to-actions (such as promotions about flights, accommodations and activities for a trip I’m saving for) and suggestions embedded in the very fabric of the banking experience. Aimed at influencing people’s intent and put it into effect in real-time. This is the field of action of Meniga, the Icelandic fintech whose mission is to bring retail marketing practices for engagement and loyalty to the banking space, including challenges and social media mechanics, like in the ecosystems they have already built with mBank, ING Direct, Santander. Providing relevant added-value services to users is key, with tools that make money management easier and more effective and promoting behavioural change by using data and machine learning in a smart way. Enhancers is already working on solutions like these for groundbreaking projects in Italy.
Another example is Curve, a credit card aggregator allowing users to generate cashback when purchasing from their favourite brands. Current partners include Amazon, Carrefour, Apple, Just Eat, IKEA, EasyJet and Netflix, and new ones are added to the list constantly.

3. Lifestyle banking

The potential is immense, and new business models include subscription-based services, the integration with vocal assistants to boost “a-commerce” (purchases managed by AIs), data enrichment and monetization, and much, much more.
What’s at stake in creating and strengthening an emotional bond between the customer and the bank, which can also help both incumbents and challengers in standing up to external challenges: some years ago the Millennial Disruption Index revealed that 73% of people born between 1981 and 2000 would be more excited about a new offering in financial services from Google, Amazon or Apple than from their own nationwide bank. Numbers speak volumes: customers that have an emotional bond with their bank are less likely to try new solutions and generate up to 6 times the profit of a “very satisfied” user (source: Net Promoter Score and Motista). A groundbreaking player like buddybank, that has already carved a space as the first conversational mobile bank in the Italian market, is also paving the road in this new direction, with new services and features that will hit the App Store anytime soon. The multiplier is huge; the challenge is open.

Enhancers and Fintech District have joined forces to engineer a Product Design Pack enabling start-ups and scale-ups to effectively shape their digital products and to quickly move through the seeding, funding and market test stages. It’s filled with amazing deliverables, user excitement and business magic. Read more here

Read the Italian version of this article on Medium

UX defines its 10 pillars of future fintech

From today we want to share with you a collection of trends and opportunities for the digital finance of tomorrow, from the point of view of user experience and product designers thanks to the collaboration and professionalism of our technical partner Enhancers.

Let’s start by briefly listing the key points that we will explore one by one in the coming months.

Fintech – the innovation space opened up by the digitization of financial services, which corresponds to a new, immense market space – is reaching cultural and commercial maturity faster and better than other sectors experiencing a similar revolution. A perfect example is the “4.0 industry”, or “utilTech”, which is the corresponding phenomenon in the utility sector, mainly in the supply of energy and gas.

This change can happen simply because the digital transformation in banking started earlier than in other industries or because money transfers represent a more powerful acceleration engine, but from the point of view of UX designer, product developer and “design thinker”, this evolution involves a crucial paradigm shift.

If opportunities to build successful new products and services – from PayPal to Stripe, Revolut, Satispay, Gimme5 and buddybank – emerge tactically at an early stage, inspired by new technological possibilities or generated by individual insights, it is now necessary to adopt a more organized approach. Opportunities must, therefore, be strategically defined starting from the real needs and expectations of people, and then tested and validated on the market according to a rigorous implementation plan.

Today we are convinced that fintech needs product design, i.e. the discipline that combines user-centered design (humancentered design, user experience design) with the experimental logic of development and distribution of digital products faced by the best startups (Lean UX, Agile development, Growth hacking).

The aim is not to show off knowledge of very popular English terms that are often misunderstood, but to offer space to the contribution we think our technical partner Enhancers can give to imagine and implement the bank of the future together with the two largest institutions (from UniCredit to Crédit Agricole in Sella) and innovative “challengers” such as Gimme5.

In a scenario that changes at an impressive speed, Enhancers has chosen to address 10 crucial themes covering UX design, tech and marketing: trends already in action, but also amongst best practices and consolidated principles by which to be inspired. It’s a map for orientation in the near future of digital finance. Let’s start with an index, a brief anticipation of the places we will be visiting in the coming months.

1) The current account becomes a marketing space
The so-called intent, as Google has codified it, is the new protagonist of marketing: the elusive intention, but strongly contextual, that guides the purchase paths, never being linear and predictable. To be present when the intent manifests itself is the new mantra of each brand. The best time to intercept these micro-moments is when the user manages his money, directly in his account and on his cards. So far, this opportunity has been underused by banks mainly to up-sell or cross-sell financial products. However, new models are emerging that offer current account holders personalised commercial offers of all kinds based on spending habits and suggestions based on financial behaviour. One example is the services offered by Meniga, which provides fintech with an effective engagement engine of this type. The online banking space tends to become an active place for lifestyle experiences, the potential of which we will explore.

2) Payment cards have a future
In banking jargon, we refer to the cards used for paying as plastic. This apparently reductive connotation of “material to be moulded” actually offers a comparison with the plastics in the work of industrial designers from the very beginning of their the 1950s has given meaning and value, fuelling growth in the exponentials of the furniture and accessories industry. It played a similar role to that which UX designers can have today for the debit, credit, prepaid, revolving… cards – in the age of the open banking. We have just begun to imagine advanced services that will be based on payment cards, by expanded functionality (Apple Card anyone?) to money management tools linked to the systems of financial management and solutions that combine multiple means of payment in one single piece, making the wallet lighter (as with Curve App). We will point out the most promising directions in this new territory.

3) Open banking enables extra-banking services
PSD2 is an unprecedented challenge for institutions and, at the same time, a huge opportunity. If the most immediate results of the implementation of this new model are recorded in the field of payment systems and personal financial management tools (more effective because they can aggregate all the financial data of a person, as has been the case for years in the United States with products such as Mint), we will find a huge field of potentially new opportunities to be exploited and especially those involving extra-banking. In fact, money movements represent concrete traces of behaviours, habits, tastes, opinions, emotions. Through these traces, we can build meanings and values in apparent contexts such as mobility, sustainability or job-matching, and build up a new value-added set of services based on the logic of quantified self, intelligence and recommendation engines.

4) Branches become experience stores
The obsolescence of bank branches, which are progressively losing visitors and meaning, is not a new phenomenon. This trend, however, can be read in the context of a wider crisis, which affects all traditional retail. As with other types of shops and agencies, the evolution is necessarily going to be towards a model of the liquid store, in which the places are moments, and not the most decisive, of an experienced immersive and seamless multichannel which are always available. On the one hand, the subsidiary must become an experience hub, incorporating training logic, entertainment and related services and products, and on the other hand, it must partially renounce its four walls, distributing itself throughout the territory with advanced digital solutions (mobile and on-demand branches, remote consulting branches, etc.). It is necessary to adopt a modular strategy and a variable structure for this to occur.

5) Mobile-first, done right
The “mobile-first” approach is now a well-established practice for digital products in general. The awareness that the mobile format is the master copy from which to create the other versions is also increasing in the field of digital finance but it is not yet clear enough to everyone that the screen of a mobile phone is not the miniature version of the display of a computer. It is necessary therefore to optimize the experience and have a different distribution of cognitive loads requiring specific and sophisticated technical skills of designers and those who implement the front end. The consequence of this misunderstanding is that too many banking apps are nothing more than the scale reproduction of the corresponding internet banking, overloaded with functionality and difficult to use. Often they are also the result of another frequent misunderstanding that an interface, that is “too beautiful” from an aesthetic point of view, is not usually functional as well when, on the contrary, it has been shown several times that visual gratification makes the product even more efficient and the experience fluid. This is the ideal combination to ensure failure and get pitiless reviews on the app stores. We’ll challenge these myths and see how mobile-first is really designed.

6) Increase online contracts
32% of users leave an online subscription process within 5 seconds. 46% of users quit because of bad interfaces. The task of UX designers is to simplify and accelerate this delicate transition, making life easier for people and increasing conversion rates. In the banking sector, the onboarding phase for users, the opening of an online account for instance (KYC, “know your customer”) is made even more difficult because of the necessary compliance with rules and regulations (anti-money laundering, MiFID…). The necessary mediation between a rigid compliance-driven approach and a fluid human-centered model is led by three key design principles: proportionality (the user should only enter the necessary data in proportion to his or her goal), progression (the level of detail should be contextual and never precautionary), and transparency (it should be clear at every step the underlying motive for the specific data or documents). We will also deepen these principles and their concrete application through the example of the buddybank KYC, designed by Enhancers, and see how we can aspire to a custom onboarding for each different user in the future.

7) Easy, but not too much: ethics for the UX
The imperative that has guided the creation of digital products, at least since Mark Zuckerberg said so in a famous speech in 2011, is: “the experience must be frictionless”. Unhindered, immersive, fast, simplified. When you enter the field of fintech, however, the frictionless approach meets a limit. For example, making it too easy and maybe playful to make an investment in cryptocurrency reduces the perception of the related risk and can cause a user to inadvertently lose money”. In this case, protests, negative reviews, image fallout and more can occur. We are not talking here about the so-called “dark patterns”, or design devices that tend to force the choice of the user with various stratagems, but about a design that is all too fluid, which eliminates any friction in the name of total intuition. The standard cannot be, in this case, absolute ease, but rather relative and contextual. The Fintech experience needs clear signs, “programmed friction”. We will show how even just the use of colours in an interface can be decisive for the correct orientation of its users.

8) Protect your data to share it better
With the advent of PSD2, the circulation of personal financial information will be much freer. Consequently, the protection of this same information will have to be even more rigorous and the power over it will have to be returned as much as possible to its legitimate owners: the users themselves who in the meantime have developed a strong sensitivity to the issues of cybersecurity, more so after striking cases such as the Cambridge Analytica scandal. The theme is not exclusively technological and the solution is not limited to thicker firewalls and impregnable cryptography but on the contrary, implies ad hoc solutions of user experience. We are talking about the Privacy by Design approach, which puts people at the centre of the system and considers all their data-sensitive, regardless of the fact that it follows logics that are as transparent and preventive as possible. This means, for example, that the default state must prevent any unconscious sharing of data. We will explore ways to design solutions that incorporate privacy as the foundation.

9) Fintech and conversational interfaces
We control more and more objects with our voices and interact more and more often with digital services in dialogues with artificial intelligence. Very soon, we will “talk” with our money through chatbots, voice assistants and smart speakers to move it, spend it, invest it. There are already very advanced examples of Fintech products working in this direction, such as buddybank, which is introduced exactly as being a “conversational bank”. And it is precisely the model adopted by buddybank, which integrates a service of the concierge with human operators that we believe at the moment to be more adequate: not fully automated (report exclusively to the human-machine), but hybrid (human-machine+human relationship). On the other hand, in chess, for example, the best performances are those of the “centaurs”: the people who collaborate together with artificial intelligence. We will try to imagine the possible applications and operational implications that can develop/take place.

10) Consumer credit as a means of payment
We expect the same intuitiveness, speed and gratification that Google Maps has accustomed us to from every product and service. This is also increasingly true for banking. From this point of view, the traditional model of consumer credit is also radically changing, and it must and can become, much more accessible and without investigations that are now difficult for users to understand, by adopting, for instance, the logic of prior authorisation. Furthermore, in this case, innovative solutions are already available, such as those of Oney, the French fintech that provides a “plug and play” module to obtain financing in a few steps while checking out. Barriers to entry tend to disappear, with benefits for both the buyers, who can use the micro-financing as money cash, and for retailers, with facilitated impulse purchases and virtually no waiting times for payment. The new credit to the consumer is informal, light, agile, liquid.

Enhancers and Fintech District have joined forces to engineer a Product Design Pack enabling start-ups and scale-ups to effectively shape their digital products and to quickly move through the seeding, funding and market test stages. It’s filled with amazing deliverables, user excitement and business magic. Read more here

Italian version on Medium

App Quality: interview with Luca Manara

App Quality is the first “pure player” crowd testing platform in Italy and has about 200,000 registered testers worldwide. Founded in a research laboratory of the Politecnico di Milano in 2015, App Quality released its first product in 2016. Its team is currently made up of 15 people but by the end of 2019, there will be 20. During 2020 there will be an investment round which is already being worked on.

This company allows its customers to quickly verify that their applications are as bug-free as possible. “There are two goals that can be achieved – explains the founder Luca Manara – On the one hand you can get digital applications, mobile or web, which are as free of bugs as possible when released, and on the other hand at the same time you can optimize the user experience by developing remote user tests”.

Among the companies with which App Quality works there are also PayPal, Intesa SanPaolo, Unipol Sai and Enel. Enel has recently included its crowd testing into its strategic processes. The goal of Manara and his team is to convince partners to include this method in the processes of development and design of their digital services.

“We are growing year after year by doubling our turnover – he explains – Thanks to these investments we want to integrate more and more with the development teams we work with. We have just released, for instance, the integration to their ticketing system and with the app stores”

Having joined the Fintech District community in June, App Quality is looking for collaborations with developers of its startups to create win-win partnerships and work on the user experience of the fintech products of the future.

In addition to Italy, App Quality is also active in Spain where it offers its services to some local companies. The aim is to boost its presence in this market in order to open a local commercial office by 2020. In the meantime, this startup is extremely active at a global level and has already carried out tests for Moncler in the USA and UK as well as for Canali in South America.

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Ready, steady, go! The collaboration with Enhancers has started

Enhancers is a technical partner of Fintech District. Guido Guaschino, Founder of Enhancers, explains: “We’ve always looked to Fintech District as a unique opportunity (of its kind in Italy) for fostering innovation in the fintech ecosystem, eventually leading to better services and experiences for people – which is basically Enhancers’ core value proposition”.

This agreement gives our community new services and special opportunities. Let’s find out more about it.

What Enhancers does

Enhancers is a full-cycle digital product factory at work since 2011 for generating innovation and digital transformation through design thinking, lean UX and Agile production models, applied with a hands-on attitude to industries ranging from finance to retail, automotive, FMCG and culture.

Its 40+ people team is built around full-stack professionals, both designers and coders, working together from the earliest stages of any project in order to seamlessly manage the entire digital product supply chain, from the research and understanding phases to the executive design and implementation, up to technological integration.

Community benefits from this collaboration

Enhancers and Fintech District created a special “MVP Fintech Pack” available for fintechs that are part of the community. This “pack” has been designed to provide subscribing companies with all they need to effectively and quickly move through the seeding, funding and market test stages.

Enhancers drives the startups through all phases of the product designing process, in order to nail the solution and map a set of key features that can be developed iteratively while validating the concept with real customers. The outcome is a complete, coding-ready digital product blueprint: concept, user experience, visual design, prototype, pitch deck presentation.

This partnership gives strength to the Fintech District and its service offering to startups. Enhancers has a proven track record in developing performing fintech solutions for its customers and we invite all of our members to have a look at its services!

Among several other fintech projects, Enhancers has designed buddybank, the first iOS-only conversational lifestyle bank built around an always-on concierge service, powered by UniCredit and quality checked directly by Apple. buddybank is among the 20 most popular apps in the Finance category in Italy and ranks towards the top by user ratings (4.7 stars out of 5).

Why is design important to a fintech?

The design has to serve human needs and human development, creating some kind of meaning around new technologies and tools, according to Guido Guaschino. Frameworks inspired by the Stanford-fueled start up development methodologies and human-centered design are key to lead the process.

In the constantly evolving fintech environment, it’s crucial for both established powerhouses and new ventures to embrace a model based on innovation and product-market fit, involving perfectly synced product and customer development strategies and business model validation through digital minimum viable products (MVPs).

There is no need to highlight how a seamless user experience (UX) and a intuitive user interface (UI) can make the difference, since – for instance – 32% of potential new customers drop a registration process within 5 seconds on average, and 46% of them give up the onboarding because of a poor interface.

  • Are you a startup of the FD community interested in this opportunity? Contact us at or visit this site
  • Are you a fintech and you still haven’t joined the Fintech District? It’s time to do it, we are waiting for you.

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