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  • Writer's pictureGuillermo Serrano

Servicing the Fintech revolution

Lleida.Net SaaS division provides the Fintech corporate ecosystem the legal security architecture required for on-line transactions. Its solutions focus on 3 essential elements in the contracting process and delivery of legally required notifications:

  1. eKYC:KYC is the initial first step in a financial services contract and an on-line process has to be the exact legal replica of the physical process. product service revolves around preventing identity fraud, the fastest growing form of on-line financial fraud.

  2. eContracting and eSignature: The contracting process requires the Fintech proof of contract delivery to the customer together with the right signatures attached to make it legal. provides a combination of software and telecommunications infrastructure to make the on-line process possible.

  3. eNotifications:The Fintech is then required to send notifications regularly to the customer in a range of matters, from a notification of a credit card delivery, an extension of terms or a payment reminder. acting as a regulated telecom operator can deliver the messages with a Certified stamp for the benefit of the Fintech.

The SaaS division is expected to continue to be an essential part of profit growth going forwards. With a family of over 100 granted patents and an infrastructure as a telecom operator is strongly positioned to compete globally.

We maintain a BUY recommendation on the stock and a 12-month target price of €1.40 per share. We base our recommendation of relative undervaluation on a cash-flow generation to growth potential basis.

link to the research report

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