Management policy

Introduction

BNEO specializes in the development of technological solutions for the financial sector, offering a modular fintech platform that enables fund managers, neobanks and digital platforms to build complete financial ecosystems — wallets, onboarding, KYC, payments and investment — without the lengthy and costly traditional development processes. Its main objective is to ensure the satisfaction of all stakeholders, especially its clients and the end users of the financial solutions built on the platform, fostering a culture of continuous improvement and compliance with applicable legislation. The organization promotes a working environment based on continuous improvement, participation and involvement, where intrinsic motivation is reflected in each of its actions and results.

BNEO maintains an Information Security Management System certified in accordance with the requirements of the UNE EN ISO/IEC 27001:2022 standard, and is currently in the process of implementing a quality management system in accordance with the UNE EN ISO 9001:2015 standard, while also ensuring compliance with applicable legislation in all aspects affecting the organization's activities.

Mission

Our mission is to transform our clients' ideas into financial solutions that are ready to operate, without lengthy development processes or cost overruns, achieving results based on SMART objectives (specific, measurable, achievable, realistic and time-bound) so that clients perceive real value in the products and services. We help our clients develop their ideas, transforming them into viable financial projects, and support them throughout the evolution of their business.

Vision

The needs of clients in the financial sector are becoming increasingly complex and require specific and regulatory expertise to provide solutions that meet their needs. BNEO aims to be a strategic partner throughout the lifecycle of all its clients, going beyond their expectations and creating modular, secure and scalable solutions that provide value and are sustainable at a highly competitive cost. We firmly believe that strength comes from unity, and our strength lies in bringing together different profiles and areas of expertise in a common project with the clear objective of delivering value in each of our projects. BNEO was born from the need to build financial technology from the ground up, with a progressive growth model that supports our clients at every stage of their expansion.

Values

There are a number of values that define us:

• Quality: We always strive for excellence in this area.
• Transparency and honesty: Our relationships with clients are characterized by transparency, and we communicate the decisions we make within the company honestly and strive to communicate clearly and openly in every situation.
• Leadership: Constant effort toward a better future.
• Diversity: We offer a wide range of solutions.
• Collaboration: We foster collective talent.
• Commitment: Our entire team is committed to the corporate strategy.
• Teamwork: We believe that success is achieved together, that we should lend a helping hand to other team members and ask for help when we need it.
• Authenticity: We believe that we must be brave enough to share our own opinions and humble enough to admit when we are wrong. Above all, we value openness and encourage both giving and receiving feedback.
• Innovation: We maintain an open attitude toward new solutions. We stay up to date with regulatory and technological developments in the financial sector and adopt the tools that best fit each project.
• Creativity: We enjoy solving complex projects creatively with a focus on the end user. Our team develops usable technological solutions that provide value both to the client and to the end users of their financial services.
• Continuous learning: We enjoy challenges and continuous evolution and improvement. Therefore, we are always training to stay up to date with regulatory and technological developments, and we adopt the technologies that best fit each project.
• Equality: We are committed to the values of equality, promoting these values and providing training to the entire team.
• Work-life balance: We have developed a protocol to improve working conditions. It is essential that all employees are able to balance their personal and family lives with their professional activities.
• Commitment to the environment: We promote environmentally responsible practices. In addition, we promote environmental values and training.

It is important to focus on clients' needs by listening, observing, learning and maintaining a global view of the business, while being able to adapt to change and pursue efficiency.

Conclusion

The Management of BNEO is responsible for ensuring that the Management Policy is communicated and understood throughout the organization, as well as by those acting on its behalf, and communicates it to all stakeholders so that they comply with the guidelines set out in this policy, which will be reviewed periodically to ensure that they remain appropriate to the organization's activities.