Bizum is a Spanish company that provides information society services. It was set up in 2016 as an innovative and collaborative project of the Spanish banking industry. Its aim is to offer a payment solution based on the instant transfer of funds between users' accounts in an efficient, fast, and secure manner for any payment scenario (P2P, ecommerce, or POS).

Powens is Europe's leading Open Finance platform, serving 300+ banks, wealth managers, lenders, fintechs, and accounting software providers. Connecting 1,800+ financial institutions, Powens combines financial data aggregation with embedded payment infrastructure – including SEPA payment automation and IBAN issuance – through a single API, helping businesses launch and scale financial services faster.