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☕ First Sip, Then SAP – Because SAP is best served with a side of coffee! Join Amista and expert guests as we brew up the latest SAP trends, spill the juiciest insights, and take a deep dive into real-life use cases. No bitter tech talk, just smooth, relatable SAP conversations. So grab your cup and sip your way to smarter SAP!
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The Connector.

Koen Vanderhoydonk (The Connector)

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Welcome to the connector podcast, an ongoing conversation connecting FinTechs, banks and regulators worldwide. Join CEO and founder Koen Vanderhoydonk as you learn more about the latest available trends and solutions in the markets.
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We map how Belgium’s e‑invoicing mandate and EU initiatives like VIDA, PSD3, and PSR are changing payments, and why compliance delivered via APIs is now a competitive product. We also unpack AI’s impact on onboarding, verification of payee (VoP), and the push for lower, more sovereign fees. Join us for a podcast with Cedric, CEO of Digiteal. • API-…
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We unpack why KYC in payments became so heavy and how to make it almost invisible with data orchestration, deep KYC, and thoughtful UX. NABU’s approach prefills profiles from trusted sources, uses AI to verify the real world, and gives analysts clear, auditable evidence. • mission to move from onboarding to no boarding • why payments face extra AML…
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We sit down with Xavier Corman to unpack how Finrack turns inventory into financeable collateral using real-time pricing and a sale-and-buyback model. The conversation spans EU cross-border advantages, practical AI, and why better inventory KPIs drive both growth and sustainability. • founding story and links to FinTech Belgium and EDFA • the SME f…
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We explore with Alexander from Solanteq, what makes a payments platform truly modern: cloud-native, modular, API-first, and regulation-ready, with the ability to scale from small pilots to global volume. We share a vision for “payment autopilot” and how multi-rail orchestration and AI can make payments feel invisible. • Cloud-native, modular archit…
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We explore how fintechs can move fast without breaking compliance, turning frameworks like DORA, NIS2, ISO 27001, SOC 2, and PCI DSS into a shared foundation for resilience. Copla’s blend of automation and expert guidance shows why continuous audit readiness beats fire drills and how vendor risk can be managed at scale. • origin story and why compl…
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We dig into how AI changes the risk surface for banks and fintechs and why identity must be designed from the start. Sutton Maxwell of Curity shares how to set API guardrails, balance friction with trust, and choose hybrid architectures that meet regulation without killing speed. • What Curity does for API security and identity • Why AI pilots fail…
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We connect the dots between KYB, UBO rules, and open data, showing how structured official records cut risk and speed up onboarding. We also explore agentic commerce, the rise of perpetual compliance, and why human oversight remains essential. Join Toon Vanagt, founder and CEO of Data.be. • data.be’s single view across Belgian registers • KYB acros…
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We explore how Hong Kong serves as a precise, high‑density launchpad for European fintechs, combining global finance access with practical, domain‑based regulation. Paula Kent and Fernando from Invest Hong Kong share tactics, sectors with pull, and concrete wins founders can model now. • Hong Kong’s financial hub status and market density • Differe…
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We explore how Europe’s fragmented credit data blocks fair lending for people who move across borders, and how Mifundo connects bureaus and banks to make financial identities portable. We share progress to 17 countries, the mindset shift lenders need, and how to use AI under EU high‑risk rules without black boxes. • fragmentation of European credit…
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We explore how AI and behavioural science can make debt collection more humane, more effective, and easier to scale across Europe. PAIR Finance explains reinforcement learning, a single international platform, and why recovery and retention go hand in hand. • AI-driven collections with behavioural science • Reinforcement learning optimising tone, t…
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The ground under finance moved, and most people only felt a rumble. We spent 2025 translating messy tech estates into DORA‑ready living registers, turning spreadsheets into real‑time risk maps, and discovering that fintech isn’t a sidecar anymore—it’s the engine. When a major processor or open banking provider hiccups, payments across entire region…
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In deze nieuwe First Sip, then SAP neemt Morgane Verest, Change Management Consultant bij Amista, een flinke slok van Digitale Adoptie en duikt daarna samen met Elisabet Van Caeneghem van Q8 in een thema dat elke organisatie herkent: waarom lopen ERP-projecten soms vast, en hoe voorkom je dat? Geen zware theorie, wel een open gesprek over mensen me…
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What if your systems could instantly verify not just a company’s identity, but that a specific person or agent is truly authorized to act for it? We sit down with Alexandre Kech, CEO at GLEIF, to unpack how the Legal Entity Identifier became the world’s backbone for business identity and how the new Verifiable LEI brings authority, delegation, and …
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Money now moves at machine speed, and the rules of trust, identity, and loyalty are being rewritten in real time. We break down how banks are collaborating on shared utilities, why a 20-character LEI is becoming a passport for cross-border payments, and where BNPL’s rapid growth collided with transparency as FICO pulls installment data into mainstr…
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In deze aflevering van First Sip, then SAP praat Gaetan De Groef met Nele Platevoet, ERP-projectmanager bij Gommaire. Ze blikken terug op een intens ERP-traject vol uitdagingen, keuzes en waardevolle lessen. Wat doe je wanneer de realiteit van een ERP-implementatie niet helemaal loopt zoals gepland? Hoe ga je om met weerstand, data die niet klopt o…
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The hype cycle is over; the results era is here. We unpack how finance moves from shiny demos to measurable outcomes by pairing agentic AI with the enterprise plumbing that actually makes change stick: orchestration, shared standards, and rigorous governance. Along the way, we confront the 93% project failure narrative and show why a simple time fi…
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In First Sip, then SAP aflevering “Waarom je bedrijf niet schaalbaar is (ook al denk je van wel)” gaat Roeland Keppens in gesprek met Jan Bultinck, Head of Sales bij Amista en ervaringsdeskundige in ERP en schaalbare groeistrategieën. Ze leggen bloot waarom veel bedrijven zichzelf vastdraaien in een wirwar van losse tools, datasilo’s en workarounds…
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In First Sip, then SAP aflevering “De menselijke motor achter digitale transformatie” duiken Roeland Keppens en Maggy Van Doorslaer (Digital Adoption Consultant bij Amista) in een cruciale maar vaak onderschatte succesfactor: digitale adoptie. Technologie alleen is nooit genoeg. De echte waarde ontstaat pas wanneer medewerkers nieuwe processen begr…
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Finance is being fundamentally rebuilt and re-architected as credit becomes woven into our digital lives rather than something we seek out separately. This shift toward invisible, embedded finance is changing how individuals and businesses access and manage money, with fintechs often leading the charge. • Invisible lending is embedding finance dire…
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Special Discount code: “TheConnector20” https://nfweek.com/ David Grundy takes us behind the scenes of Nordic Fintech Week, revealing why this gathering has become Europe's premier dedicated fintech event. Unlike other technology conferences that cover multiple domains, Nordic Fintech Week maintains a singular focus on financial technology, creatin…
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How do you keep the strength of a stable ERP while gaining the speed to adapt? In this episode, we explore exactly that with Johan Mine from SAP. Together, we dive into how businesses are modernising their ERP strategy, moving from heavy customisation to clean, modular setups using SAP ERP and Business Technology Platform. From SAP Business One to …
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Ever wonder how a small Estonian startup transformed into a multi-country European bank during one of the most challenging periods in modern financial history? InBank's remarkable journey proves that crisis creates opportunity for those innovative enough to seize it. After the 2008 financial crisis, when traditional banks pulled back from consumer …
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What does it really take to get ERP right as a growing SME? In this episode, we get straight to the point with ERP selection experts Sofie Defraeye (Horsum) and Johan Reunis (TriFinance). From messy data and AI hype to budget pressure and change fatigue. We cut through the noise and share what SMEs need to know before kicking off an ERP journey. Th…
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Decrypting the language of markets through sound, frequency, and vibration isn't just a headline-grabbing concept – it's the foundation of OmniWave Fintech's revolutionary approach to wealth management. In this thought-provoking conversation, CEO and founder Adam Rubin reveals how his team has developed a system that transforms market noise into co…
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Emmanuel Daniel, founder of TAP International and author of "The Great Transition," explores the fascinating connections between ancient snake mythologies, humanity's quest for immortality, and the rise of artificial intelligence in the financial industry. • Mythologies across cultures show humanity's aspiration for godlike powers and immortality, …
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Finance is undergoing a radical transformation that's redefining how we think about money, technology, and trust. The latest edition of Finance X Magazine pulls back the curtain on these changes, revealing a landscape where artificial intelligence has moved from experimental to essential. The numbers tell a compelling story: 85% of Belgian financia…
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The financial world stands at a profound inflection point as traditional boundaries dissolve and banking transforms from destination to ubiquitous infrastructure. Finance X Magazine's latest issue unveils how financial services are becoming invisible yet omnipresent, embedding seamlessly into the platforms where we already spend our time. At the fo…
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What happens when the global economy's tectonic plates start moving in different directions after decades of synchronised movement? In this fascinating conversation, Philippe Gijsels, Chief Strategy Officer of BNP Paribas Fortis and co-author of "The World Economy in Five Trends," unravels the complex forces reshaping our economic landscape. Gijsel…
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The Digital Operational Resilience Act (DORA) creates significant new compliance requirements for financial institutions in the EU. DORAedge offers a technological solution to manage these complex challenges effectively. • Copenhagen-based fintech Performativ created DORAedge to help financial entities comply with DORA regulations • The Register of…
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The financial landscape is undergoing dramatic transformation. From Asia's strategic pivot toward Europe to revolutionary approaches in fighting financial crime, every aspect of finance is being reimagined through technology. At the heart of this evolution is a fascinating shift in global financial partnerships. Asian institutions are increasingly …
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Bridging the gap between innovative fintech solutions and traditional banking, QRED Bank is rewriting the rules for SME financing across Europe. In this revealing conversation with Norway Country Manager Kristina, we explore how QRED transformed from an ambitious startup into a fully-licensed bank without losing its entrepreneurial spirit or custom…
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In this episode of First Sip, Then SAP, host Coen Sanderink is joined by AI expert Cedric to cut through the noise and explore how Artificial Intelligence is truly making an impact within the SAP ecosystem. From digital assistants and automated workflows to real-life success stories, they break down what’s hype, what’s real, and what’s next. Whethe…
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In this episode of First Sip, Then SAP, host Coen Sanderink and SAP expert Michael Hossain dive into the real-world challenges that scale-ups face as they grow. Topics like financial complexity, operational inefficiencies, and scattered data, and how the right ERP solution can make or break their journey. Together, they unpack why SAP S/4HANA Cloud…
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The future of finance is unfolding at breakneck speed, especially in the German banking and fintech landscape heading toward 2025. As we explore this rapidly evolving terrain, we discover a fascinating paradox: despite significant economic headwinds including pandemic aftereffects and inflation, German fintech funding has surged to $8.2 billion, re…
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Flexibility and integration have become the new currency in financial services. In this deeply insightful conversation with Renaud from Basikon, we unpack how modern lending and leasing technology is fundamentally reshaping financial operations. Founded by industry veterans who witnessed the limitations of legacy systems firsthand, Basikon delivers…
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Three decades of financial innovation have positioned Isabel as a cornerstone of Belgium's banking landscape. Starting as a multi-banking payment platform in 1995, this joint venture of Belgium's four major banks has evolved into something far more ambitious – creating financial ecosystems that connect institutions, businesses, and technology provi…
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SevenYoken is revolutionizing accounting with autonomous AI that performs an accountant's days of work in minutes, delivering comprehensive financial reports and professional insights. Tom shares how their system evolved from a certified autonomous bookkeeper to a digital financial officer that can interpret balance sheets, process transactions, an…
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Pierre Nemeth, CEO and co-founder of Sopiad, discusses how their fintech company provides scientifically-backed resources to restore investor trust and help financial institutions comply with regulations. Sopiad's journey began with four years of academic research at LCC Liège before officially launching in 2021, addressing the lack of personalizat…
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Klaas from Regnology shares how the company transformed from a regional player to a European leader in regulatory technology, with ambitions to become the global champion following CPP investment and strategic acquisitions. • Joined Regnology in 2022 when they acquired b.fine, modernizing their front-end offering • Regnology's unique approach pivot…
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Robert from Paynovate describes how the Belgian payment provider has built a comprehensive electronic payment processing service with an EMI license from the National Bank of Belgium, offering everything from card issuing to open banking. Their standout approach is welcoming customers that traditional financial players often reject through scalable…
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How Approach Cyber helps fintech companies navigate cybersecurity challenges from integrated security development to regulatory compliance. Dorian Pacquet shares insights on evolving cyber threats, the role of AI in security, and the importance of managing data protection in the fintech ecosystem. • Approach is a pure-play cybersecurity and privacy…
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Lode from AREA42 explains how this innovation vehicle within Credendo is transforming B2B trade finance by offering flexible working capital solutions that make digital trade more accessible and user-friendly. • AREA42 is the innovation arm of Credendo, a credit insurance company with over 100 years of history • Credit insurance protects sellers wh…
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AI agents are set to transform financial services by taking over tasks people currently do while enabling entirely new services, creating both challenges and opportunities for established banks and fintechs alike. • In The Pocket has evolved from a mobile app developer at the dawn of smartphones to a 200-person European digital product studio with …
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The regulatory pendulum in European fintech isn't swinging toward deregulation as dramatically as some might have expected. Philippe from Simont Braun law firm cuts through the noise to explain what's happening in the European regulatory landscape. Despite widespread speculation following the European Commission's 2025 work program announcement, ma…
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Our 10th episode dives into the exciting intersection of insurance and technology, exploring innovations within the InsurTech landscape. We celebrate milestone achievements while uncovering key themes of balancing reliability with digital transformation. • Exploring the significance of InsurTech in reshaping traditional practices • Highlighting Vee…
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🎙️ Episode 2: What is E-invoicing with Peppol? Time to spill the (digital) tea on e-invoicing! In this episode, we’re diving into the world of e-invoicing with Peppol - what it is, why it’s a game-changer (and becoming mandatory!), and how you can automate invoicing for smoother accounts payable and receivable operations. Join our host Coen Sanderi…
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🎙️ Episode 1: How BTP is like a Business Toolbox Grab your coffee and get ready for a deep dive into SAP’s Business Technology Platform (BTP)! In this episode, we break down the latest and greatest of BTP, answer the burning questions you’ve always had (but never dared to ask), and drop an exciting surprise at the end. 👀 Hosted by Coen Sanderink, B…
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Ready to unlock the secrets of fintech innovation? Discover how Roel, the mastermind behind Docapi, is transforming the landscape of smart document processing. As a spin-out from IXOR, Docapi is setting new benchmarks with its revolutionary APIs for financial documents like invoices, receipts, and pay slips. Roel shares the strategic decision to bo…
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Understanding the role of AI in enhancing wealth management, this episode explores the evolving trends shaping the financial landscape. We dive into goal-based investing, the rising influence of women in wealth tech, and the need for robust cybersecurity measures. • AI as a powerful tool in personalized finance • Global economic outlook highlights …
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