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| Company type | Private |
|---|---|
| Industry | Software edition & Services |
| Founded | 1996 |
| Defunct | 2014 |
| Fate | Acquired by Collinson Group |
| Headquarters | , |
Key people | Philippe David President [1] |
| Products | Value added services for banks |
Number of employees | 79 |
| Website | www |
Welcome Real Time (also Welcome Real-time) was a publisher of customer relationship solutions[ buzzword ] founded in 1996 and based in Aix-en-Provence, France.
The company was founded in 1996 by Aneace Haddad in Aix-en-Provence, France. [2] The company expanded to include clients in Brazil in 2001. [3] Its solution was used by the Turkish bank Akbank. [4] Eleven years later, in 2012, the company opened new offices in São Paulo.[ failed verification ]
In 2011, the Russian Standard Bank chose the company's Welcome XLS solution to support management of rewards programs across all of their issued credit cards. [5] This year also saw the company acquire the Singaporean company Axiomatic, and branch out into loyalty program consulting. [6]
In 2012, the company released a point-of-sale solution called "The Loyalty Impact: At Store", which it marketed to banks who then re-sold the service to retailers. [1] The service provided a discount coupon, redeemable at next purchase, to customers in addition to a sales receipt upon completion of a sale. [1] The new solution was used by Barclaycard. [7] [8]
In 2012, the company entered Iceland via Valitor, which adopted the Welcome XLS solution, [9] and made it in Red Herring's Europe Top 100. [10] In September 2014, Collinson Group acquired Welcome Real Time to improve the group's loyalty capability. [11]
A loyalty program or a rewards program is a marketing strategy designed to encourage customers to continue to shop at or use the services of one or more businesses associated with the program.
The ING Group is a Dutch multinational banking and financial services corporation headquartered in Amsterdam. Its primary businesses are retail banking, direct banking, commercial banking, investment banking, wholesale banking, private banking, asset management, and insurance services. With total assets of US$967.8 billion, it is one of the biggest banks in the world, and consistently ranks among the largest banks globally.
HSBC Holdings plc is a British universal bank and financial services group headquartered in London, England, with historical and business links to East Asia and a multinational footprint. It is the largest Europe-based bank by total assets, ahead of BNP Paribas, with US$2.919 trillion as of December 2023.
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BNP Paribas Fortis is an international bank based in Belgium and a subsidiary of French banking group BNP Paribas. The bank was created in May 2009 after BNP Paribas acquired 75% of the Belgian Fortis Bank from the Federal Participation and Investment Company. It was formerly, together with Fortis Bank Nederland, the banking arm of the financial institution Fortis. After the ultimately unsuccessful ABN-AMRO takeover, the subprime crisis and subsequent global financial crisis (GFC) led to the sale of the Dutch and Luxembourg parts of the banking branch to the Dutch and Luxembourg governments. Fortis Bank itself was first partly bought by the Belgian government, then fully purchased by the government and sold to BNP Paribas.
Israel Discount Bank, Ltd. is an Israeli banking institution that offers a range of financial services, including retail banking, commercial banking, private banking, and financial services. The bank, headquartered in Tel Aviv, operates 112 branches throughout Israel.
Bancassurance is a relationship between a bank and an insurance company that is aimed at offering insurance products or insurance benefits to the bank's customers. In this partnership, bank staff and tellers become the point of sale and point of contact for the customer. Bank staff are advised and supported by the insurance company through wholesale product information, marketing campaigns and sales training. The bank and the insurance company share the commission. Insurance policies are processed and administered by the insurance company.
Ingenico is a French merchant services technology company, that facilitates secure electronic transactions. The company expanded as a manufacturer of point of sale (POS) payment terminals to also include complete merchant payment SaaS and related services.
Finastra is a financial software company headquartered in London, England. The company sells to the retail banking, transaction banking, lending, and treasury capital markets. Finastra was formed in 2017 by the combination of London-based Misys, a provider of financial operations software, and global payments and lending technology provider D+H. At the time of its formation, Finastra was considered the third-largest financial services technology company in the world.
BPAY is an Australian electronic bill payment SaaS company which facilitates payments made through a financial institution's online, mobile or telephone banking facility to organisations which are registered BPAY billers.
Banking secrecy, alternatively known as financial privacy, banking discretion, or bank safety, is a conditional agreement between a bank and its clients that all foregoing activities remain secure, confidential, and private. Most often associated with banking in Switzerland, banking secrecy is prevalent in Luxembourg, Monaco, Hong Kong, Singapore, Ireland, and Lebanon, among other off-shore banking institutions.
Zettle by PayPal is a Swedish financial technology company founded by Jacob de Geer and Magnus Nilsson in April 2010. Launching its first app and service in 2011, the company offers a range of financial products including payments, point of sales, funding and partners applications. The company was acquired by PayPal in 2018.
Marks & Spencer Financial Services plc, trading as M&S Bank, is a retail bank operating in the United Kingdom. The company was founded in 1985 as St Michael Financial Services as the financial services division of Marks & Spencer and adopted its current name in 2012.
Monzo Bank Limited, trading as Monzo, is a British online bank based in London, England. Monzo was one of the earliest of a number of new app-based challenger banks in the UK.
Tandem Money is a company that owns Tandem Bank, one of the UK's original challenger banks. Tandem Bank is a digital bank with a mobile app, and no branches.
Gresham Technologies plc, known as Gresham Tech and formerly known as Gresham Computing plc, is a software and services company that specialises in providing real-time transaction control and enterprise data integrity solutions. Listed on the main market of the London Stock Exchange GHT and headquartered in the City of London, customers include some of the world's largest financial institutions, all of whom are served locally from offices located in Europe, North America and Asia Pacific.
SumUp is a global financial technology company headquartered in London, United Kingdom. SumUp supports more than 3.5 million merchants in over 30 markets worldwide, and operates business tools created specifically for the micro and nano segment.
Kony Inc, a cloud-based provider of mobility, omnichannel and internet-of-things systems and services, was based in Austin, Texas with over 1600 employees worldwide. At the time of its sale to Temenos Group in 2019, Kony operated out of 11 offices in the US, UK, Germany, The Netherlands, Brazil, Mexico, India, Hong Kong, and Australia.
CR2 is an Irish-owned banking software company which provides mobile, internet and ATM financial service technology to more than 100 retail banks across Africa, the Middle East and Asia. Headquartered in Dublin, Ireland, the company has offices in Dubai, London, Cairo, Amman, Bengaluru, Lagos, Johannesburg, Singapore and Perth. Its customers include ANZ, Barclays, Standard Chartered, Botswana Savings Bank, Jordanian Bank al Etihad, pan-African bank Orabank, and Nigeria’s Access Bank plc and Diamond Bank.
The European Payments Initiative (EPI), previously known as the Pan-European Payments System Initiative (PEPSI), is a unified digital payment service backed by 16 European banks and payment service providers. Its aim is to allow European consumers and merchants to make next-generation payments for all types of person-to-person transfers and retail transactions via a digital wallet, called Wero. Wero is based on instant account-to-account payments and will eliminate intermediaries in the payment chain and associated costs.
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