five°degrees is a cloud-native core banking technology provider that supports real banks to meet today's standards. Through °neo, our core banking platform, our clients rely on a banking grade SaaS platform that unites our extensive experience working with world-class financial institutions. five°degrees was founded by bankers in 2010. Our launching customer KNAB was based on our technology to become the first challenger bank in Europe in 2012. Soon incumbent banks throughout Western Europe, the United States and Canada also chose five°degrees as their digital banking technology provider. In 2018, five°degrees added lending to its product suite by the acquisition of Libra EHF, the market leader in lending technology in Iceland. Today, over 40 banks in Europe and North America use our technology. With over 150 colleagues working from our offices in Amsterdam, Reykjavik, Lisbon and Novi Sad. Our mission is to liberate banks. Experience the freedom to focus on what is most important to you. At all times you want to be in full control of your business while being able to move fast and respond effectively to opportunities and new realities. At five°degrees we are devoted to delivering the best core banking experience with an open and flexible platform that literally runs as a service in the back, delivering the carefree value you need. Be the best bank you can be.