- The client, besides being able to subscribe the best product or service and not pay commissions, captures the value generated by himself and the community as a whole.
- It is a Spanish initiative founded by Salvador Casquero and Salvador Carrillo.
By Funds Society, Madrid
In the digital transformation of the financial sector, new models such as neobanks, challenger banks and BaaS (Bank as a Service), which aspire to compete with traditional banking through technology and user experience, have emerged with force. In this context of innovation born 2gether, the first collaborative banking platform in which the customer has a voice and vote, since in addition to obtaining services without commissions, you will obtain part of the income obtained.
Ramón Ferraz, CEO of 2gether , explains that “we differentiate ourselves from the existing models through our collaborative system. In 2gether the member users are also ‘owners’: they participate in the funding, in the decisions and capture the value that they create themselves and the community as a whole. In addition, in 2gether users can manage their euros and their digital assets and, in the future, they will access a large number of financial products from banks, insurers and fintech through their marketplace, which tracks for the customer the products by segments and allows you to compare and acquire those that best suit your profile. “
2gether is a Spanish initiative founded by Salvador Casquero and Salvador Carrillo, professionals with extensive experience in the financial sector and with great expertise as digital business drivers. After its opening in Spain, it is planned for April of this year to extend its activity to all of Europe in the 19 countries of the euro zone.
The founding partners retain most of the capital and, so far, there have been rounds of Family & Friends that have contributed more than 2 million euros. In addition, 2gether has obtained funding from ENISA and from Challenges Collaboration of the Ministry of Science and Innovation.
Specifically, 2gether has in its shareholding with former senior executives of BBVA, JP Morgan and Banco Santander. Also with various advisors such as the consultancy AT Kearney, which advises the strategy of the different markets where it will operate; KPMG Spain, in the capital strategy of the company; the offices of Uría and Finreg360, as legal advisers regarding the issuance of the currency, licenses or prevention of money laundering and BI Geek, as a technological consultant highly specialized in exponential technologies.