Viva Wallet is a leading European cloud-based neobank. Viva Wallet's mission is to change the way businesses pay and get paid with cutting edge technology and unprecedented agility. They offer truly unifying, yet localized, end-to-end advanced digital payments solutions and embedded banking services tailored to the needs of businesses in 24 markets across the continent. With over 20 years dedicated to research & development of disruptive technologies, Viva Wallet responded to the fragmented European payments landscape with an ever-growing portfolio of innovative services through own infrastructure entirely based for the first time on Microsoft Azure cloud. Connecting with all local financial systems further enabled local adaptation and flexibility, making Viva Wallet the payment institution with the largest footprint in Europe. An advocate of sustainable cashless economy, quality of life, and versatile, secure payments for all, the company delivers digital payments services across three different time zones, in 19 languages and 10 currencies, featuring over 24 payment methods (card-present and card-not-present). The latter include major international card schemes, such as Visa, Mastercard, American Express and Diners, and an extensive line-up of local card schemes, such as Bancontact. Innovation rests at the core of Viva Wallet' DNA, with the "tap-on-phone Viva Wallet POS app" being their latest breakthrough. Turning any Android mobile to a card terminal, the tap-on-phone feature revolutionizes digital payments' acceptance; full mobility, anywhere, anytime, by anyone, fast, frictionless, and legacy-hardware-free. Aiming to offer a holistic payment experience across all transaction platforms, Viva Wallet also introduced Smart Checkout; an easy-to-integrate, self-updated and fully customizable payment gateway that can increase conversion by 21%. Viva Wallet' competitive offering involves ability to reduce card acceptance fees to 0%, next-day settlement