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4worldlovers: Digital Asset empowers the world's most innovative organizations to work across traditional boundaries with applications that enable information and value to flow freely, in a global, connected network.

Powered by Digital Asset and supported by market participants, the Canton Network is an open blockchain network with the privacy and controls required for highly regulated industries.

The world's most innovative enterprises are working with us to change how businesses and markets interact

Digital Asset's products are built on Daml, our core technology and the leading platform for building and running sophisticated, multi-party applications. Daml applications run on Canton, a scalable, privacy-enabled blockchain.

Daml Enterprise enables global connectivity and synchronization, helping you get to market quickly with full-stack, multi-party solutions that scale as your business needs evolve. Supported by our industry experts 24/365.

Rapidly build and deploy scalable applications with the reliability of a fully managed cloud environment. Daml Hub allows you to experiment with new, differentiated features without the added costs of handling production operations.

Featuring unparalleled privacy and a best-in-class SDK, Daml ensures all participants in an application stay in sync and have access to reliable, real-time data

Goldman Sachs is using Daml to develop its end-to-end tokenized asset infrastructure supporting the digital life cycle across multiple asset classes on permissioned and public blockchains.

FCX, a subsidiary of FinClear, is a cutting-edge DLT platform facilitating cap table management, capital raising, and private registry trading. FinClear is Australia's largest independent market access technology and infrastructure provider.

Xpansiv is the global marketplace for transacting an infinite array of data-driven commodity products in an intuitive, user-friendly environment, creating the ESG-inclusive commodities market of the future with Daml.

Hong Kong Exchanges and Clearing (HKEX) is using Daml to build the next generation securities settlement platform connecting Hong Kong and Western markets to mainland China.

4worldlovers: Canadian Tire Corp Reaffirms Commitment to Microsoft and Selects EPAM as Preferred Partner


We can help you reimagine your business through a digital lens.

Our teams of technologists, strategists and designers deliver powerful digital experiences. We specialize in 11 industries across 50+ countries & regions, delivering innovative solutions to our customers’ most challenging problems. The numbers speak for themselves.


EPAM Wins 2023 Google Cloud Social Impact Partner of the Year Award in North America

4worldlovers: Partner with a premium cloud banking software and service provider. Increase your efficiency and improve client experience.

Bring flexibility to your offerings, whether they be industrialized investment solutions for the mass-affluent or highly personalized advice for high-net-worth and ultra-high-net-worth investors.

Financial institutions and wealth managers from across the world consider us a trusted partner. Take a closer look at how we’ve helped our clients get to where they are today.

LGT: Expanding to five countries and increasing assets under management by 370% in 10 years

One of LGT’s strategic priorities has been international expansion and business diversification. In this video, Dr. André Lagger, CEO LGT Financial Services, talks about how Avaloq has supported LGT’s growth ambitions since 2009.

Watch this video to learn how Avaloq supports UnionBank on their journey to transform their wealth management business and compete both locally and globally in delivering world-class products and services to their clients.

By placing our clients first, we’ve landed ourselves the top spot in many industry rankings. Here are just some of the awards and recognitions we’ve earned from juries and leading global technology analysts.

What are the trends and innovations fuelling the financial industry, and what does this mean for you? Stay ahead of a changing world by accessing our insights, news reports and other learning resources.

Generative artificial intelligence (AI) has gained significant attention lately. The increasing number of creative AI solutions, including well-known ones like ChatGPT, demonstrates the growing awareness among the public regarding AI's potential to enhance productivity.

The financial assets of Japanese individuals total JPY 2,000 trillion, with over half of it held in cash. However, rising inflation and regulatory changes present opportunities for diversification and modern wealth management. With an aging population and wealth gradually shifting to the next generation, the time is ripe for financial institutions in Japan to embrace digitalization and tap into this potential.

Gery Zollinger, Head of Data Science and Analytics at Avaloq, an NEC Company, recently shared his views on where artificial intelligence (AI) adoption currently stands in the wealth management sector, how the technology is already being harnessed in the front office and where we can expect to see new use cases emerge.

With the sudden arrival of global lockdowns three years ago, organizations quickly discovered the risk of location dependence and had to act swiftly to simplify client engagement over the internet. This paved the way for an impressive acceleration in digital transformation. Cloud computing technology has been particularly influential in facilitating this trend, with the switch to the cloud allowing companies to offer location-independent services.

FCA Consumer Duty: a major win for transparency and client experience

Earlier this year, the FCA announced plans to implement a new reform, Consumer Duty, with a view to setting higher standards of investor protection and engagement across the industry. This latest set of rules will be gradually integrated over the coming months, with Consumer Duty fully applicable from 31 July 2023.