Founded in 1998 and headquartered in Haarlem, the Netherlands, XMDS is a leading provider of value-added technology to the financial and mobility industries, employing 150 full-time employees (FTE). Building upon its extensive experience, XMDS has been at the forefront of developing customized software solutions through its subsidiary, Ximedes, with a strong emphasis on Open Banking and Open Public Transport systems. Inspired by our achievements in these areas, we have expanded our expertise and developed a range of payment products to cater to a wider clientele. In recent years, XMDS has undertaken a series of strategic initiatives and made acquisitions of software companies, solidifying its position as a prominent fintech leader in Europe. With a comprehensive fintech proposition that includes the Ginger white label ecommerce payment gateway, the Vayapay EMV gateway, and the Pecunda closed-loop payment solution, XMDS empowers banks and corporates to create innovative services, capitalizing on the potential of fintech solutions.