Code Of Conduct

Our Mission

All together, we can go further

Our mission is to make the financial world fair and equal for all, regardless of gender, color, race or any other differentiating criterion.

We all have a role to play in the financial world of today and tomorrow.

This code of conduct is designed to ensure that we do the right thing for everyone.

Message from Sydney MARTIN,
CEO - Founder

We sincerely believe in fairness and equality for all. Arcadia is founded on these two simple values, and we are convinced that together we can shape the world of banking and finance in the right way, by providing the right services to the right people, without discrimination.

Our Code of Conduct sets out and develops these values, which should guide our behavior and the decisions we make. It must ensure that we all act with integrity and in the best interests of our customers, people, communities and stakeholders, at all times.

Our Vision

He who wishes to secure the good of others has already secured his own.

Confucius

Our vision is to create the world's first banking and financial application that offers banking services to everyone,
as our slogan "On-demand banking for all" explains.

Understanding customers' expectations, needs and aspirations is essential to achieving our goals effectively.
Our approach puts the customer first, and values the diversity of our team members.
Diversity enables us to get closer to our target audience and better understand their needs.

Our culture is true to our values: everyone is accountable for their actions, encouraged to express themselves, to strive for excellence and to always do the right thing, not just for themselves but for others too.

Our Values

FAIRNESS

EQUALITY

Equality is a big word, but at Arcadia it means one thing and one thing only: whoever you are, wherever you come from, whatever your beliefs, at Arcadia you'll be treated as a human being, according to the principles of Human Rights.

Fairness at Arcadia; means acting without prejudice, without favoritism and impartially, based on objective facts and not on impressions or personal interests. It also means respecting people's rights and taking individual differences into account.

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DONE IS
BETTER THAN
PERFECT
ANYTHING

TOGETHER
WE CAN GO
FUTHER

NEVER
GIVE UP

We are Founders, we are Arcadians and we always push through!
 We are not looking for perfection, we are not listening to excuses - we focus on what we done, what we have to do and on results. We truly believe that determination, skill, smartness, and courage can break through almost any wall.

As Arcadians, we never give up on our people, we're all together, we're one big tribe and we can build anything we want. All together, as Founders, as Arcadians, we can go further and do more.

Bankeaz is not just a neo-bank, it's something bigger that can help many people around the world, that can bring equity to all. We've founded and built a big, huge project, and as Arcadians, we can't give up! We must push through!

Our Principles

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Our Code

Scope

This Code applies to all Arcadians (employees, directors, independent advisors, apprentices, interns, officers of Arcadia AG. and its subsidiaries), regardless of position, job or tenure at the Company.

This is a document of expectations and, therefore, doesn’t aim to cover all the details of Arcadians’ daily actions.

No one is entitled to violate or ask anyone to violate any provision contained in this Code.

Every Arcadians should follow the guidelines of this Code and the Company’s internal policies and procedures, and cooperate with internal investigations when required. Failure to follow this Code may result in negative consequences for the Company and for the individuals involved, including legal measures, administrative sanctions and/or internal disciplinary measures, according to applicable law.

If you are an Arcadian acting in our subsidiaries that engage in businesses subject to specific rules of conduct (such as securities intermediation, asset management etc.), you must follow the conduct guidelines applicable to such businesses, in addition to this Code.

Our Line of Conduct

We, Founders, set an example for all

Act with integrity

Act in accordance with appropriate standards of market behavior

Act with due skill, care and diligence

Act with fairness and equality

Act cooperatively and open-mindedly with regulators

Act to meet customer needs and expectations

Our Approach to Conduct

Key guidance for Arcadians

Policies and procedures

Line manager

Risk & Compliance service desk

Training material

Employee handbook

Legal service desk

Our Customer

Customer first

Our customer' satisfaction is always our top priority. We ensure the essence of our business is centered around their needs, striving for excellent results. Every offering we create, whether a product or service, is initiated based on their needs, wills and expectations.

Our skilled teams work closely with our customers, using a design-and-test methodology to gain an in-depth understanding of their expectations, needs and requirements.
This approach enables us to design tailor-made and on demand banking and services that deliver substantial value to our customers.

What Bankeaz looks like

Customer first.

Product designed by our customers.

Our teams connected to our customers.

Provide truthful and fair information to enhance customer experience, without any deceit.

Maximizes product potential and customer benefits for excellence.

Remove obstacles for a better customer experience with our products.

Work harmoniously, meeting Arcadia's and its customers' needs with integrity and professionalism to prevent conflicts of interest.

Protect customer data, guarantee data security and build trust through data confidentiality.

Fast and fair handling of customer complaints and queries.

Our People

Our added value

We are not looking for a Dream Team, we are building a strong and great team that represents our customer base.

As Michael Jordan, member of a dream team, said :

Talent wins games, but teamwork and intelligence win championships.

We share our knowledge and expertise.

We truly believe in all people.

We continuously build a safe work environment.

We listen and seriously resolve complaints.

We encourage and accompany people to go further.

We promote team spirit.

Our Communities & Stakeholders

All together

We are deeply committed to making a positive impact, striving to enhance the world we inhabit by reducing
our environmental impact and fostering fair competition.

We, at Bankeaz, we support communities and our stakeholders for their long-term well-being

We open up and promote all banking and financial services to everyone.

We closely collaborate with governmental bodies and regulatory authorities to formulate strategies that safeguard the interests of our customers.

We fight for customers right of banking.

We constantly act to reduce the impact of our decisions on society and the environment.

We are transparent in everything we do.

We combat financial crime and fraud

Our Risk Management

Accountability

The Enterprise Risk Management Framework at Arcadia outlines the process of identifying, assessing, tracking, minimizing, and communicating risks.

It delineates the duties and obligations of all stakeholders, emphasizing individual accountability for their decisions and actions.

Be compliant.

Sustain growth.

Be responsible.

Still learn and adapt our work.

Quality first.

Well trained, to the end.

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Our Approach to Decision Making

Ask yourself

We evaluate the ethical consequences of our actions before acting.

If the answer to your self-questioning is yes, the decision seems right.

If it's no or uncertain, ask for guidance first.

Will I and my loved ones use what I build?

Did I check my work with Alpha and Beta Customers Cohorts?

Are my actions and my work in line with the regulators and legal requirements?

Are my actions and my work in line with Arcadia's Vision?

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Closing Thoughts

Core Team

Our core values and principles set the standard for who we are, what we do, how we do, and guide us through all situations.

Leaders must exemplify these values and principles, embodying Arcadia's Code of Ethics approved by the Board of Directors.

Our core team staunchly upholds and defends these standards.