End-of-Year Reflections and Outlook for 2025

As we approach the close of 2024, I want to take a moment to reflect on what has been an incredible year for smartTrade Technologies and to share some thoughts on the exciting opportunities ahead in 2025.

2024: A Year of Growth and Innovation

This year, we reached significant milestones, driven by our commitment to delivering cutting-edge trading (LiquidityFX – LFX) and payments (Commercial Banking and Payments – CBP) solutions that empower your business:

• Global Expansion: We proudly welcomed new clients across Asia, Europe, the Middle East, and both North and South America. Notably, our growing presence in South America marked a significant milestone, unlocking new opportunities in a region with immense potential and further reinforcing our global footprint. This achievement underscores our commitment to delivering tailored solutions that align with both local and global market dynamics.
• Enhanced Client Relationships: The significant growth in the adoption of additional modules highlights the trust and confidence our clients have in smartTrade. Many have expanded their use of our solutions by integrating modules such as AlgoBox, Analytics, Payments, and Options Workflows to optimise their front office operations. 
• Industry Recognition: We were honoured with multiple prestigious awards, including:
  • Best Liquidity Aggregation Service and Best Trading Technology for FX at the FX Markets e-FX Awards.
  • Best FX Order Management System at the Euromoney FX Awards, recognising our market-leading OMS.
  • Awards for Best AI/Machine Learning, FX Trading Solutions, and Best Sell-Side EMS.
• Industry Engagement: In 2024, we participated in prominent events such as TradeTech FX, FX Markets, Solace Connect, ACI, The FullFX, and the BAFT Regional Bank Conference. Our insights on market innovations and ultra-low latency highlighted our commitment to advancing industry standards.
• Product Innovations: From expanding ISO 20022 standards to introducing advanced analytics, AI-powered dashboards, and AlgoBox’s low-code environment, we have pushed the boundaries of trading and payments technology. Our innovations also include multi-jurisdiction capabilities, enabling seamless operations across diverse regulatory frameworks.
  Additionally, our SAIL (smartTrade Advanced Innovation Labs) initiative has driven advancements in our MetaCloud hosting solution and embedded cutting-edge AI and machine learning capabilities across our offerings, empowering clients with deeper insights, enhanced decision-making tools, and greater automation to navigate the fast-evolving market landscape.

These achievements are not just ours—they reflect the strength of our partnerships and the shared success of our community.

2025: Key Themes and Opportunities

From our engagement with clients and the wider market, three key trading and payments themes have emerged as focal points for the year ahead:

1. Your Technology Partner for Growth: We will continue investing in AI, machine learning, and ultra-low latency technology to ensure you stay ahead of market demands.
   • AI in Action: Practical AI applications like our Copilot service and ML-driven analytics will further enhance front-office automation.
   • MetaCloud Hosting: Our flexible and secure hosting footprint continues to expand, offering clients enhanced operational flexibility.
   • Ultra Low Latency: Leveraging advanced event-driven architecture (EDA) and asynchronous messaging, we deliver microsecond precision for real-time data processing and instant execution, ensuring a competitive edge for clients.
2. Price, Execution, and Latency: A Unified Approach: For a bank to not only gain and hold market share requires a comprehensive strategy that integrates pricing, execution, and latency. By delivering end-to-end modular solutions for trading and payments, we empower clients to reduce costs while enhancing pricing, execution quality, and consistency—ensuring optimal performance in real-world conditions.
3. Client-Centric Innovation: Your evolving needs drive our roadmap. Whether it’s AlgoBox’s customisation capabilities or advanced workflows for trading and payments, we remain committed to delivering tailored solutions that align with your key objectives.

Looking Ahead

2025 promises to be a year of accelerated AI adoption and greater flexibility in hosting and execution. We are excited to partner with you as these trends unfold, ensuring you are poised to seize new opportunities.

Thank you for your continued support throughout 2024. We are honoured to be part of your journey and look forward to a successful year ahead together.

Wishing you a prosperous 2025,