Rieko Kester
CEO
Rieko Kester
CEO
Transaction pioneer and natural dealmaker, turning ambitious ideas into lasting partnerships.
Trusted by 1,500+ Clients
From Payment
Innovation to Trusted, Business-Critical Services
Twenty-five years ago, Bluem started with a simple belief: business transactions should be easier, safer and more reliable.
At a time when companies sent paper invoices and customers entered payment details into online banking, we developed one of Europe’s first digital invoicing and payment solutions together with ABN AMRO, ING, Rabobank and PostNL. Today, we operate a 24/7 transaction platform covering the entire customer journey: from onboarding to payment.
Beyond Payment
What Began as a Payment Innovation Evolved Into Something Much Bigger.
That solution later became known as FiNBOX: a faster and more reliable way to deliver invoices and receive payments directly through online banking. It reduced payment errors, simplified administration and helped transform the way businesses and consumers interacted.
25 years ago
Paper invoices and manual payments
Today
Digital invoicing and payments through online banking
A Broader Mission
We Expanded Our Mission
As digital commerce expanded, regulations increased and customer expectations changed, organizations faced new challenges. Payments were no longer the only critical step. Identity, bank account, address and income verification—as well as onboarding, KYC, compliance, affordability and fraud prevention—became equally important to building trusted customer relationships and enabling growth. we provide an integrated ecosystem of trusted transaction services, including:
Online Payments
Accept and process payments through secure, reliable digital flows.
Digital Identity and Address Verification
Verify customer identities and addresses quickly and securely.
Bank Account Verification
Confirm bank account details and ownership before transactions begin.
Affordability Assessments
Evaluate customers’ financial capacity using reliable data.
Compliance and KYC Automation
Automate compliance checks while reducing manual work and risk.
Digital Onboarding
Create fast, frictionless onboarding journeys from start to finish.
Digital Mandate Management
Create, manage and track digital mandates in one place.
The Bluem Ecosystem
Simplify And Secure Every Critical Step In The Customer Journey.
Today, Bluem is a FinTech and RegTech specialist helping organizations simplify and secure every critical step in the customer journey—from onboarding and verification to mandates and payments, Through solutions such as okID, Green Mandate, Wealth Check, VoP and NeoBoarding.
More than 1,500 organisations rely on Bluem’s services. Together, they process over 100 million transactions through our platforms each year across Europe, the UK and Ireland, and the GCC.
1,500+
Clients Worldwide
100+ Million
Transactions Annually
20+
Years of trusted experience
20+
Markets Served
International Team
Local Market Knowledge. International Expertise.
Behind our services is an international team of specialists in technology, product development, compliance, finance and support. From our headquarters in Amersfoort and our locations in Dubai, London, Limassol, Sofia and Yerevan, we combine local market knowledge with international expertise.
Dubai, UEA
London, UK
Limassol, CY
Sofia, BG
Yerevan, AR
Our services are supported by a resilient and geographically distributed infrastructure. Primary European services are hosted on-premises in Tier III data centres in Amsterdam and Schiphol-Rijk, complemented by managed hosting in Enschede, Hetzner cloud infrastructure in Frankfurt and AWS infrastructure in Dubai for the GCC region.
Tier III Data Centers
Hetzner Cloud
AWS
Our Misson
To Digitalize Business,
Reduce Complexity and Enable Sustainable Growth.
Although our solutions have evolved, our purpose has remained consistent: to digitalise business, reduce complexity and enable sustainable growth.
Our mission is to make payments, identity verification, compliance, affordability and onboarding simple, secure and reliable for every organisation.
That mission has driven us for 25 years—and continues to guide us as we build the next generation of trusted, business-critical services.
Our Team
Different Expertise.
One Shared Mission.
Our international team brings together specialists in technology, product, compliance, finance and support to build dependable services for organisations across markets.
Aviël Ossi
CTO
Aviël Ossi
CTO
The tech brain behind practical solutions, with a sharp fraud radar and a talent for spotting risks early.
Aslihan Arslan
Business Development Manager UK
Aslihan Arslan
Business Development Manager UK
Selling identity with clarity and confidence, building trust through every conversation and customer relationship.
Natalie Evtimova
Sales Development Manager Global
Natalie Evtimova
Sales Development Manager Global
Mediterranean sales trailblazer. Opens new markets and conversations for Bluem around the world.
Tom van Loon
Sales Lead & Account Manager
Tom van Loon
Sales Lead & Account Manager
A payments and KYC sales powerhouse, translating complex capabilities into clear value for customers and partners.
Ana Rojas
Business Development Manager
Ana Rojas
Business Development Manager
Spotting opportunities others overlook and connecting the right people, ideas and deals.
Rami Abu Ali
Business Development Manager
Rami Abu Ali
Business Development Manager
Opening doors across the GCC. Helps Gulf businesses onboard, verify and pay with confidence.
Liam Glucina
Business Development Manager UK
Liam Glucina
Business Development Manager UK
London-based with a global sales drive, connecting Bluem’s capabilities with customers across markets.
Manuel de Ryck van de Gracht
Sales Trainee
Manuel de Ryck van de Gracht
Sales Trainee
Sales talent in the making. Learning fast and helping clients find the right Bluem solution.
Anaïs Moreno
Marketing & Sales Trainee
Anaïs Moreno
Marketing & Sales Trainee
Creative spark behind the brand. Tells Bluem's story across campaigns, content and social channels.
Camila Pastor
Compliance specialist & Data Protection Officer
Camila Pastor
Compliance specialist & Data Protection Officer
Guardian of data protection. Makes sure personal data is handled carefully, lawfully and transparently.
Damianos Christos Nikou
Technical Compliance Officer
Damianos Christos Nikou
Technical Compliance Officer
Keeping IT secure and in control, so teams can move quickly without losing sight of reliability and risk.
Nannerl de Gruijter
Junior Legal Counsel
Nannerl de Gruijter
Junior Legal Counsel
Legal eagle, sharp on compliance. Turns complex regulation into clear, workable agreements and policies.
Mark-Anthony Raida
Product owner
Mark-Anthony Raida
Product owner
Finance mind, identity passion. Shapes our products around real client and regulatory needs.
Frans Shippers
IT Infrastructure Lead
Frans Shippers
IT Infrastructure Lead
Architect of secure foundations. Keeps the infrastructure behind our 24/7 platform rock-solid and resilient.
Markus Ruggiero
Lead Developer Swift/Webobjects
Markus Ruggiero
Lead Developer Swift/Webobjects
Veteran code craftsman. Leads the Swift and WebObjects engine behind our core services.
Peter Meester
Lead Developer
Peter Meester
Lead Developer
A SaaS builder with AI superpowers, turning bold product ideas into useful tools for customers.
Emanuele Di Bene
Full-Stack Developer
Emanuele Di Bene
Full-Stack Developer
Turning code into great screens, with close attention to usability, clarity and the details that matter.
Gerrit Visser
Full-Stack Developer
Gerrit Visser
Full-Stack Developer
An open banking and wealth code whiz, connecting financial data, robust engineering and customer needs.
Teoman Kirac
Full-Stack Developer
Teoman Kirac
Full-Stack Developer
Backend geek, detail obsessed. Writes the high-performance code behind our business-critical services.
Nick Cruz
IT Manager
Nick Cruz
IT Manager
Keeping systems up and running. Manages the IT that keeps our teams productive and secure.
Karen Muradyan
Swift Developer
Karen Muradyan
Swift Developer
Making mobile app magic across iOS and Android, with a focus on intuitive experiences and dependable performance.
Marco Kester
Customer Service Specialist
Marco Kester
Customer Service Specialist
Solving issues with care and patience, turning everyday support moments into positive customer experiences.
Roy Kester
Customer Service Specialist
Roy Kester
Customer Service Specialist
Friendly first line of support. Keeps clients moving with quick, clear answers every day.
25 Years of Experience, Growth and Trust.
Discover the scale, international reach and proven expertise behind Bluem’s business-critical services.
25 years
of FinTech and RegTech experience
1,500+
organisations using our services
100+ million
transactions processed annually
30 professionals
across international locations
Headquartered in the Netherlands. Privately Owned. Internationally Established.
Headquarters
Amersfoort, the Netherlands
Markets
Europe, the UK and Ireland, and the GCC
International presence
Dubai, London, Limassol, Sofia and Yerevan
Ownership
Profitable, privately funded and Dutch-owned
Trusted Partnership
Certified Expertise. Stronger Together.
As a certified digital identity service provider, we collaborate with leading technology and industry partners to deliver secure, dependable solutions.
