Union Financial Technologies is an innovative company dedicated to helping Financial Service providers improve their client retention, profitability and corporate governance. Launched in 2013 their Digital Core, Credit Scoring and Client Engagement solutions have already helped international Retail banks, Credit Unions and start-up Consumer Credit firms. At present they are active in the Baltic, Nordic, UK and Irish markets and continually expanding their geographic coverage to support clients. They are also expanding their functional offering to address the changing shape of financial services and in 2015 will launch a new solution to support Crowd/P2P providers. Their vision is to create a range of easy-to-use solutions which can be used as standalone modules or integrated infrastructure. All solutions will be digitally enabled, meaning real-time, multi-channel and highly scalable. Union benefits from a team of professionals with deep experience in finance and technology. Peeter Klanberg has over 20yrs experience managing IT for Nordic banks, developing solutions for Credit Unions and Central Banks and as a technology investor. Neil Mathieson has 20yrs experience in global capital markets, advising on finance transformation and commercialising financial technologies. They are based in Tallinn, Estonia and privately owned and funded.