Data Intelligence & Agentic AI

For centuries, human labor has driven economic progress. From the industrial revolution to the digital age, automation has continuously reshaped industries. Now, a new revolution is here—Digital Labor.

Digital Labor is not just about automation; it’s about AI Agents that think, decide, and act like digital co-workers. These intelligent agents are not programmed with rigid workflows. Instead, they analyze data, collaborate with humans, and autonomously execute tasks—redefining the future of work.

How Digital Labor Works

  • AI Agents are assigned roles, just like human employees (e.g., Fraud Analyst, Compliance Officer, Risk Evaluator).
  • They analyze, process, and interpret data using AI-driven insights.
  • They collaborate with humans and other AI Agents to optimize decision-making.
  • They communicate in natural language, eliminating the need for complex programming.

The result? An AI-powered workforce that augments human teams, accelerates business processes, and enhances efficiency across industries.

Why Digital Labor Matters

  • Scalability – AI Agents work 24/7 without fatigue, increasing operational capacity.
  • Cost Efficiency – Reduce reliance on manual labor while improving productivity.
  • Real-Time Decision Making – AI-driven insights detect fraud, optimize workflows, and ensure compliance faster than human teams.

At AUSTRIACARD, we have built an ecosystem where Digital Labor is not just a vision—it’s a reality. Our Digital Taskforce solutions empower businesses to deploy AI-driven workforces, reducing costs and unlocking new levels of efficiency.

Join the Digital Workforce Revolution

AI is no longer just a tool—it is a co-worker, a decision-maker, and a game-changer for businesses worldwide.

Are you ready to embrace Digital Labor and transform your operations with AI-powered efficiency?

Contact us today to discover how AUSTRIACARD’s Digital Taskforce can revolutionize your business.

Digital Taskforce for Enterprise Content Understanding

Managing and extracting value from enterprise content has traditionally been a complex and labor-intensive process, requiring human intervention to classify, summarize, and validate information. Traditional Document Management Systems (DMS) provide storage and organization but lack the intelligence to fully automate content processing.

AUSTRIACARD’s Digital Taskforce for Enterprise Content Understanding (ECU) is designed to work seamlessly with DMS solutions, automating content-heavy workflows that were previously difficult to implement or required extensive human effort.

Enhancing DMS with Intelligent AI Agents

  • Automated Content Classification – AI categorizes documents, ensuring structured and efficient storage.
  • Intelligent Data Extraction – AI reads and interprets text, tables, and metadata from unstructured files.
  • Workflow Automation – Reduces manual processing by enabling auto-tagging, summarization, and document routing.

Unlocking New Levels of Productivity

  • AI-Powered OCR & Content Recognition – Extracts key information from scanned documents and images.
  • Seamless Integration with DMS Systems – AI operates as an intelligent layer, working in tandem with existing workflows.
  • Eliminates Manual Data Processing – AI Agents take over tasks such as summarization, and indexing.
  • Cross-Format Understanding – Processes text, images, video, and voice, automating tasks that were previously impractical.

Digital Taskforce ECU: The AI-Powered Content Automation Team

Our AI Agents augment and extend the capabilities of DMS systems, reducing the need for human intervention while improving speed and accuracy.

🖼 Image & Video Expert – Extracts text from images, recognizes logos, signatures, and other visual elements.

📄 Text Expert – Categorizes and tags documents, extracts structured data, and generates summaries.

🎙 Voice Transcription Agent – Converts spoken content into searchable text and identifies multiple speakers.

📑 Compliance & Content Validator – Ensures regulatory alignment and identifies policy violations.

Together, these AI Agents enable enterprises to process and manage documents faster, smarter, and with minimal human effort.

Why Choose AUSTRIACARD’s Digital Taskforce for ECU?

  • Seamless DMS Integration – Works alongside existing Document Management Systems.
  • Automates Previously Difficult Tasks – AI now handles what was once manual or too complex to automate.
  • Scalable AI-Driven Solution – Adapts to evolving business needs and growing data volumes.

With AUSTRIACARD’s Digital Taskforce for ECU, enterprises unlock the full potential of AI-powered content automation, transforming their DMS into an intelligent, self-managing system.

Contact us today to explore how AI can revolutionize your document management workflows.

Digital Taskforce for Anti Money Laundering

AI-Powered Anti-Money Laundering (AML) for Real-Time Detection and Compliance

Money laundering is a growing threat, with financial institutions facing increasing regulatory pressure to detect and prevent illicit transactions. Traditional AML systems rely on rules-based detection, often resulting in false positives and missed threats.

AUSTRIACARD’s Digital Taskforce for AML revolutionizes financial crime prevention with Agentic AI-powered compliance, ensuring real-time transaction monitoring, autonomous anomaly detection, and proactive risk management.

How It Works: Hybrid Agentic and Quantitative AI-Powered AML Automation

  • Quantitative AI (Unsupervised Learning) detects anomalies and non-compliance based on transaction behavior—spotting what looks “weird” or has never been seen before.
  • Generative AI (Few-Shot Learning) applies “common sense” intelligence, learning from a small number of examples to recognize suspicious activity without predefined rules.

Digital Taskforce AML: The AI-Powered Compliance Team

AI Agents collaborate autonomously, forming a specialized AML taskforce that handles detection, analysis, and compliance with unmatched efficiency.

🔍 AML Sentinel & Compliance Arbiter – Handles initial and final assessments.

📊 Data Analyst – Crafts intelligent queries and retrieves transactional data.

🔎 Financial Forensics Expert – Interprets financial documents and behavioral patterns to detect laundering activities.

Integrity Auditor – Reviews decisions made by AI Agents, ensuring accuracy and minimizing errors.

Together, these AI-driven agents operate 24/7, without fatigue, reducing human workload while increasing accuracy and speed.

Why Choose AUSTRIACARD’s Digital Taskforce for AML?

  • Real-Time AML Detection – No delays, no reliance on outdated rule-based engines.
  • Proactive Compliance & Risk Mitigation – Stay ahead of evolving AML threats with an adaptive AI-driven system.
  • Scalable & Secure AI Solution – Seamlessly integrates with existing banking and financial infrastructures.

AUSTRIACARD is redefining AML compliance with Agentic AI—ensuring financial institutions remain resilient, efficient, and secure in the fight against money laundering.

Contact us today to explore how our Digital Taskforce for AML can safeguard your organization.

Digital Taskforce for Fraud

AI-Powered Fraud Prevention for Real-Time Detection and Risk Mitigation

Fraud detection has traditionally been a manual, time-consuming process, often reliant on rules-based systems that struggle to adapt to emerging threats. Fraudsters evolve quickly—your fraud prevention strategy should too.

AUSTRIACARD’s Digital Workforce for Fraud brings the power of Agentic AI to fraud detection, analyzing transactions in real time, identifying anomalies, and mitigating risks before financial damage occurs.

How It Works: Hybrid Agentic and Quantitative AI-Powered AML Automation

  • Quantitative AI (Unsupervised Learning) detects anomalous patterns and non-compliance, flagging transactions that “look unusual” without predefined rules.
  • Generative AI (Few-Shot Learning) applies intelligent fraud detection, recognizing suspicious behavior even with minimal historical data.

Digital Workforce for Fraud: The AI-Powered Fraud Team

AI Agents operate autonomously, forming an intelligent fraud detection team that minimizes financial losses and enhances security.

🔍 Fraud Sentinel & Compliance Arbiter – Conducts initial and final fraud assessments.

📊 Data Analyst – Retrieves transactional data and refines fraud detection strategies.

🔎 Behavioral Forensics Expert – Analyzes spending patterns and behavioral anomalies.

Integrity Auditor – Ensures AI-driven fraud decisions align with regulatory requirements.

These AI-driven agents work 24/7, without fatigue, reducing manual workload while increasing fraud detection speed and accuracy.

Why Choose AUSTRIACARD’s Digital Workforce for Fraud?

  • Real-Time Fraud Prevention – Stop fraudulent transactions before they happen.
  • Proactive Threat Detection – AI can identify by reasoning new fraud patterns without manual intervention.
  • Scalable & Secure AI Solution – Works seamlessly with banking, payment processing, and enterprise systems.

With AUSTRIACARD’s Digital Workforce for Fraud, your business is protected by AI-driven security—intelligent, fast, and always evolving.

Contact us today to explore how AI can transform your fraud prevention strategy.

Data Intelligence and Analytics is a multidisciplinary field that utilizes scientific methods and software systems to extract meaningful insights from diverse data sources, including structured and unstructured data. This sector is instrumental in helping businesses and researchers make more informed decisions, predict trends, and understand complex patterns or behaviors.

Data Intelligence focuses on the strategies and technologies used for data analysis. It encompasses the entire workflow of data handling, right from data collection, data preparation, data storage, to data analysis. The goal of data intelligence is to convert raw data into valuable information that well-informs decision-making processes. 

Data analytics involves processing and interpreting data to uncover patterns, correlations, and other meaningful insights. It uses advanced techniques from statistics, machine learning, and artificial intelligence. There are various types of data analytics including descriptive analytics (what has happened), diagnostic analytics (why it happened), predictive analytics (what could happen), and prescriptive analytics (what should be done).

Today, data intelligence and analytics play a critical role in every industry, especially in sectors like finance, banking, telco and utilities where large amounts of data are generated daily. By exploiting these data through intelligent analytics, organizations can gain a competitive advantage, improve their efficiency, and innovate their services or products. 

The increasing availability of data and technological advancements like big data and generative AI  have significantly boosted the growth of the data intelligence and analytics field. While offering uncompromised data privacy, data quality, and safe access to remote data. 

USPS

Our data applications use our unique proprietary algorithms that collect and process complex information across large organizations and ecosystems and distill it to produce singular human-understandable metrics. We transform chaotic information into useful KPIs for decision and policy makers in the public and private sectors and across diverse industries.

Products

  • Aditaur
  • CostNous
  • NetNous
  • CloudNous
  • Intelligent Data Fabric 

(Document Digitization & e-Archiving, Enterprise Process Automations, Virtual Assistance)  

By utilizing advanced techniques and technologies for scanning, content recognition, data capturing and extraction as well as for electronic archiving, our Document Digitization & e-Archiving solution helps organizations to move away from traditional paper-based documentation and processes towards more efficient, secure and streamlined workflows for document management, retrieval and collaboration

With minimal impact on the existing infrastructure, or even without any changes at all, our Process Automation solution can handle repetitive, rule-based and large volume tasks, offering to enterprises a flexible approach to capture and manipulating data, interpret applications for processing a transaction, trigger responses, execute workflow & approval steps, generate documents and contracts and communicate with other digital systems.

Virtual Assistants can simulate human conversation for the purposes of delivering a service or experience. Our Virtual Assistants are easily scalable to manage Customers’ requests with instant responses and boost customer’s requests completion through various integrations with other systems, like an OCR & Data Capture engine, a Document Management Solution, eSign Platform, Robotic Process Automation, etc. 

Benefits

  • Automating processes, turning them completely paperless
  • 24×7 service availability
  • Reduced effort and cost to provide services and complete processes
  • Increase productivity and revenue
  • Higher accuracy and compliance and lower risks 

SUB-PRODUCTS

  • Document Digitization & e-Archiving
  • Enterprise Process Automations
  • Virtual Assistance 

Business Intelligence (BI) represents a combination of tools, technologies, and methods used to collect, integrate, analyze, and present valuable data that is essential for informed decision-making in a business. Our BI tools  convert vast amounts of raw data into meaningful information, providing a deeper understanding of business performance, enhancing strategic planning, identifying market trends, and optimizing overall business operations. 

BI allows businesses to draw insights from data analysis, revealing patterns, trends, and associations that might not be evident otherwise, hence aiding in effective decision making.  Our solutions provide the following types of analytics:

  • Descriptive Analytics: interpreting historical data to calculate and display key performance indicators.
  • Predictive Analytics: statistical tools that forecast future possibilities based on past data.
  • Prescriptive Analytics:  artificial intelligence tools capable of suggesting potential actions to take, actively guiding decision-making processes. 

Collectively, BI helps businesses reduce costs, optimize allocation of resources, identify new business opportunities, and stay competitive in the market. By offering a clear visualization of the business metrics and performance, it enables organizations to make strategic decisions more efficiently and predict future outcomes more accurately.  

BENEFITS

  • Enhanced Decision Making:

    By providing accurate, data-driven insights, BI enables businesses to make informed strategic decisions.

  • Increased Profitability:
    Through predictive and prescriptive analytics, businesses can identify profitable opportunities, cost optimizations and future trends.

  • Better Customer Understanding:

    It allows businesses to analyze customer behavior and preferences, leading to improved customer experience and loyalty.
  • Competitive Advantage:
    By accessing and understanding data and trends in almost real time, businesses can stay ahead of the competition. 

how it works

CostNous™ at its core is built on Apache Spark and Apache Kafka and its algorithms can process in batch and streaming modes any type of data ranging in size from megabytes to petabytes.  

SUB-PRODUCTS

  • CostNous Customer Behavior Analytics
  • CostNous Customer Lifetime Value (LTV)
  • CostNous Customer Churn Prediction
  • CostNous™ Pricing Analytics 

RELATED CASE STUDIES

  • Aggressive customer acquisition – Use customer behavior analytics to simulate campaign impacts and maximize profitability
  • Upselling and cross selling – Use prescriptive analytics to find upselling or cross selling opportunities when addressing a single customer or a segment of customers.
  • Churn Prevention – Use our combined behavioral analytics with our customer segmentation algorithms and catch potential churns before they happen.
  • Large customer price negotiation by simulating the potential cost impact of a specific deal with an existing or even a prospect customer. 

As organizations increasingly rely on complex IT infrastructures to support their digital transformation journeys, the need for efficient and optimized operations has become more pressing than ever. Artificial Intelligence Operations, or AI-Ops, has emerged as a game-changer in this context, revolutionizing the way IT teams manage both on-premise and cloud-based operations. By leveraging machine learning, analytics, and automation, AI-Ops enables organizations to streamline their IT processes, improve efficiency, and drive business value.

In today’s hybrid IT environments, where workloads are distributed across on-premise data centers, private clouds, and public clouds, traditional manual approaches to IT operations are no longer sustainable. AI-Ops addresses this challenge by providing insights into infrastructure capacity utilization, and resource allocation. By analyzing vast amounts of operational data, AI-Ops platforms can identify patterns, detect anomalies, and predict quality of service issues before they occur, enabling proactive remediation and minimizing downtime.

One of the most significant benefits of AI-Ops is its ability to help IT managers understand and predict the cost impact of their organization’s customers on their infrastructure. AI-Ops can provide a clear picture of how each customer or business unit affects the bottom line now and in the future. This insight enables organizations to develop fair and explainable charge-back schemes, ensuring that costs are accurately allocated and business decisions are informed by data-driven insights. With AI-Ops, IT managers can optimize resource allocation, right-size their infrastructure, and create a more cost-transparent and efficient operating model that drives business growth and profitability.

Benefits

  • Improved Efficiency and Productivity:
    AI-Ops automates routine IT tasks, freeing up staff to focus on strategic initiatives. This leads to increased productivity and efficiency, as IT teams can concentrate on higher-value activities that drive business growth.

  • Cost Transparency and Optimization:
    AI-Ops helps organizations understand and predict the cost impact of customers on their infrastructure, enabling fair and explainable charge-back schemes. By optimizing resource allocation and utilization, organizations can minimize waste, reduce costs, and improve their bottom line.

  • Improved Customer Experience:
    AI-ops ensures high-quality, always-on infrastructure and application performance, minimizing downtime and service disruptions. This leads to increased customer satisfaction and loyalty, as organizations can respond quickly to changing customer needs and preferences. 
USPS
  • Unique AI algorithms specifically crafted for AI-Ops:

    the combination of our cost-attribution, usage-stochastic-characterization, anomaly-detection, and what-if simulation algorithms are based on more than ten years of AI_Ops experience with very large data centers and telecommunication networks. 

  • A communication platform between IT personnel and their business colleagues:

    business executives can insert into the system potential sales or even simulate campaigns and our algorithms will calculate their impact on the available compute and network resources, providing suggestions on when will be the best time to increase specific resources to maintain QoS.

  • Data driven infrastructure budget:

    one of the most daunting tasks of all IT departments is to create the next year’s budget.  Our solution can automatically generate different budget scenarios depending on unit-price trends, customer and internal usage predictions, and the minimum expected QoS

  • Finding needles in the haystack:

    In the AI-Ops market one of the most difficult tasks is balancing between an overwhelming number of unimportant or false alarms and totally missing critical issues.  Our unique and specially made anomaly detection algorithm, is capable of categorizing any found anomalies and assigning them a heuristic priority.  Thus operations staff can focus their attention on the important findings. 
HOW IT WORKS

CloudNous and NetNous at their core are built on Apache Spark and can process in batch and streaming modes any type of data ranging in size from megabytes to petabytes. 

SUB-PRODUCTS
  • NetNous Anomaly Detection
  • CostNous Infrastructure Cost Analytics
  • CloudNous Cloud Infrastructure Cost Analytics
  • CostNous Unisys Mainframe Real Time & Batch Analytics
  • CostNous Network Maintenance Value Based Optimization 
  • CostNous Crew Dispatching 
RELATED CASE STUDIES
  • Infrastructure Cost Optimization: Identify customers that their usage patterns allow for resource over commitment, meaning that more of them can be serviced on the same physical resources leading to CAPEX savings.
  • Infrastructure Alerts: Get alerts on events that never happened before and seem suspicious.  Using our visualization tools, quickly find the root cause of the alarm (for example DoS attacks, unsuccessful platform upgrades and more)
  • Improve infrastructure maintenance and crew scheduling focusing on minimizing lost revenues during downtimes. 

The rise of digital advertising and online social networking applications has led to an unprecedented level of personal data collection, processing, and targeting. While targeted advertising offers numerous benefits for businesses and consumers alike, it also raises significant concerns around privacy, discrimination, and unfair practices. In response, regulatory bodies worldwide have introduced stringent laws and guidelines to ensure that advertisers respect individuals’ rights and comply with ethical standards.

Regulatory compliance analytics is a critical component of this new landscape, enabling organizations to proactively monitor, analyze, and manage their targeted advertising activities to avoid non-compliance risks. By leveraging advanced data analytics, machine learning, and artificial intelligence, regulatory compliance analytics solutions can identify potential violations of regulations such as the General Data Protection Regulation (GDPR), California Consumer Privacy Act (CCPA), and Federal Trade Commission (FTC) guidelines.

The Regulatory compliance solution focuses on several key areas: 

  • Discrimination detection: Identifying instances of discrimination based on protected characteristics, such as race, gender, or age.
  • Transparency and accountability: Providing clear information about data collection and use practices to consumers, and maintaining records of consent and opt-out requests.
  • Auditing and reporting: Generating regular reports and conducting thorough audits to detect potential compliance issues. 

By integrating regulatory compliance analytics into their operations, organizations can minimize the risk of fines, reputational damage, and legal action. Moreover, they can foster trust with their customers, improve brand reputation, and maintain a competitive edge in an increasingly regulated market. As targeted advertising continues to evolve, regulatory compliance analytics will play an essential role in ensuring that businesses operate responsibly and ethically.

Benefits
  • Risk Reduction Regulatory Compliance Analytics helps minimize the risk of non-compliance, reducing the likelihood of fines, legal action, and reputational damage. 
  • Improved Brand Reputation By prioritizing compliance and ethical advertising practices, organizations can enhance their brand reputation and maintain a competitive edge in the market. 
  • Increased Efficiency and Productivity Automating compliance monitoring and reporting processes through analytics solutions saves time and resources, allowing teams to focus on higher-value tasks such as campaign optimization and creative development. This leads to increased efficiency and productivity across the organization.
  • Cost Savings By avoiding fines, legal fees, and reputational damage, organizations can save significant costs associated with non-compliance.  
USPS

Aditaur is an indispensable tool for  monitoring and certifying compliance with several international data and privacy protection regulations, rules of conduct, and initiatives such as:

  • Child Online Privacy Protection Act (FTC COPPA)
  • Audiovisual Media Services Directive (EC AVMSD)
  • General Data Protection Regulation (GDPR)-defined sensitive personal data
  • Digital Analytics Association (DAA) Code of Ethics
  • World Wide Web Consortium (W3C) “Do Not Track”

Opt-out function defined by self-regulatory bodies, e.g. DAA, the Network Advertising Initiative (NAI) and the Internet Advertising Bureau (IAB). 

how it works

Our solution is an online service that works as follows:

  • Log in to the web portal and indicate the web domains that you would like to audit
  • The system will launch an automated barrage of tests for checking whether programmatic advertising systems, working with these domains, comply with data protection laws
  • When the tests are completed you will receive an email with a link to the detailed report of the audit. 

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DISCLAIMER

You should read the following important notice before accessing, reading or using in any way the Prospectus on this website.

This Prospectus of the company under the corporate name “AUSTRIACARD HOLDINGS AG” (hereafter the “Company”) which can be accessed through this link (https://www.nbg.gr/el/footer/enimerwtika-deltia) of the website of NATIONAL BANK OF GREECE S.A., was approved by the Board of Directors of the Hellenic Capital Market Commission on 24.01.2023 and relates to the dual listing of the shares in the Company on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, including (a) the existing shares in the Company and (b) the new shares in the Company to be issued in the context of a capital increase due to the merger by absorption by the Company of the company under the corporate name “INFORM P. LYKOS HOLDINGS S.A.” (hereinafter collectively referred to as the “Shares”).

The Prospectus is not published in relation to and does not constitute offer of Shares by or on behalf of the Company.

The Prospectus was approved by the Board of Directors of the Hellenic Capital Market Commission following its transfer by the Austrian Financial Market Authority pursuant to article 20(8) of Regulation (EU) 2017/1129, in connection with the information that must be furnished to investors as required under Regulation (EU) 2017/1129, Greek law 4706/2020 and Delegated Regulations (EU) 2019/979 and 2019/980, as amended and in force. The aforementioned approval shall not be considered as an endorsement of the Company and the quality of the Shares that are the subject of the Prospectus. Investment in the Shares entails risks. Investors should make their own assessment as to the suitability of investing in the Shares.

The Prospectus will be valid for one (1) year from the date of its approval by the Board of Directors of the Hellenic Capital Market Commission. Each significant new factor, material mistake, or material inaccuracy relating to the information included in the Prospectus which may affect the assessment of the Shares in the Company and which arises or is noted between the time when the Prospectus is approved and the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, will be included in a supplement to the Prospectus which will be published in accordance with article 23 of the Regulation 2017/1129 on the Prospectus, in accordance with at least the same arrangements made for the publication of the Prospectus. No obligation for the publication of a supplement to the Prospectus applies after the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange.

Distribution of the Prospectus and any other documents or information contained in this link and this webpage may be in general restricted by the law and the regulatory framework applicable in some countries. This webpage and its content do not in any way constitute an offer for sale or solicitation to buy any securities in any jurisdiction where such offer or solicitation is unlawful under its applicable legislative and regulatory framework.

Finally, investors outside of Greece and Austria or investors subject to the relevant legislation and jurisdiction of other countries may be prohibited to exercise any rights deriving from the Shares, regardless of whether they acquire Shares in any way. If you are viewing this website from the USA, Canada, South Africa, Australia, Japan and / or any other country other than Greece and Austria, where the information provided in the Prospectus is not permitted by the law, please leave this website.

DISCLAIMER

You should read the following important notice before accessing, reading or using in any way the Prospectus on this website.

This Prospectus of the company under the corporate name “AUSTRIACARD HOLDINGS AG” (hereafter the “Company”) which can be accessed through this link (https://www.nbg.gr/el/footer/enimerwtika-deltia) of the website of NATIONAL BANK OF GREECE S.A., was approved by the Board of Directors of the Hellenic Capital Market Commission on 24.01.2023 and relates to the dual listing of the shares in the Company on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, including (a) the existing shares in the Company and (b) the new shares in the Company to be issued in the context of a capital increase due to the merger by absorption by the Company of the company under the corporate name “INFORM P. LYKOS HOLDINGS S.A.” (hereinafter collectively referred to as the “Shares”).

The Prospectus is not published in relation to and does not constitute offer of Shares by or on behalf of the Company.

The Prospectus was approved by the Board of Directors of the Hellenic Capital Market Commission following its transfer by the Austrian Financial Market Authority pursuant to article 20(8) of Regulation (EU) 2017/1129, in connection with the information that must be furnished to investors as required under Regulation (EU) 2017/1129, Greek law 4706/2020 and Delegated Regulations (EU) 2019/979 and 2019/980, as amended and in force. The aforementioned approval shall not be considered as an endorsement of the Company and the quality of the Shares that are the subject of the Prospectus. Investment in the Shares entails risks. Investors should make their own assessment as to the suitability of investing in the Shares.

The Prospectus will be valid for one (1) year from the date of its approval by the Board of Directors of the Hellenic Capital Market Commission. Each significant new factor, material mistake, or material inaccuracy relating to the information included in the Prospectus which may affect the assessment of the Shares in the Company and which arises or is noted between the time when the Prospectus is approved and the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, will be included in a supplement to the Prospectus which will be published in accordance with article 23 of the Regulation 2017/1129 on the Prospectus, in accordance with at least the same arrangements made for the publication of the Prospectus. No obligation for the publication of a supplement to the Prospectus applies after the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange.

Distribution of the Prospectus and any other documents or information contained in this link and this webpage may be in general restricted by the law and the regulatory framework applicable in some countries. This webpage and its content do not in any way constitute an offer for sale or solicitation to buy any securities in any jurisdiction where such offer or solicitation is unlawful under its applicable legislative and regulatory framework.

Finally, investors outside of Greece and Austria or investors subject to the relevant legislation and jurisdiction of other countries may be prohibited to exercise any rights deriving from the Shares, regardless of whether they acquire Shares in any way. If you are viewing this website from the USA, Canada, South Africa, Australia, Japan and / or any other country other than Greece and Austria, where the information provided in the Prospectus is not permitted by the law, please leave this website.

DISCLAIMER

You should read the following important notice before accessing, reading or using in any way the Prospectus on this website.

This Prospectus of the company under the corporate name “AUSTRIACARD HOLDINGS AG” (hereafter the “Company”) which can be accessed through this link (https://www.nbg.gr/el/footer/enimerwtika-deltia) of the website of NATIONAL BANK OF GREECE S.A., was approved by the Board of Directors of the Hellenic Capital Market Commission on 24.01.2023 and relates to the dual listing of the shares in the Company on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, including (a) the existing shares in the Company and (b) the new shares in the Company to be issued in the context of a capital increase due to the merger by absorption by the Company of the company under the corporate name “INFORM P. LYKOS HOLDINGS S.A.” (hereinafter collectively referred to as the “Shares”).

The Prospectus is not published in relation to and does not constitute offer of Shares by or on behalf of the Company.

The Prospectus was approved by the Board of Directors of the Hellenic Capital Market Commission following its transfer by the Austrian Financial Market Authority pursuant to article 20(8) of Regulation (EU) 2017/1129, in connection with the information that must be furnished to investors as required under Regulation (EU) 2017/1129, Greek law 4706/2020 and Delegated Regulations (EU) 2019/979 and 2019/980, as amended and in force. The aforementioned approval shall not be considered as an endorsement of the Company and the quality of the Shares that are the subject of the Prospectus. Investment in the Shares entails risks. Investors should make their own assessment as to the suitability of investing in the Shares.

The Prospectus will be valid for one (1) year from the date of its approval by the Board of Directors of the Hellenic Capital Market Commission. Each significant new factor, material mistake, or material inaccuracy relating to the information included in the Prospectus which may affect the assessment of the Shares in the Company and which arises or is noted between the time when the Prospectus is approved and the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, will be included in a supplement to the Prospectus which will be published in accordance with article 23 of the Regulation 2017/1129 on the Prospectus, in accordance with at least the same arrangements made for the publication of the Prospectus. No obligation for the publication of a supplement to the Prospectus applies after the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange.

Distribution of the Prospectus and any other documents or information contained in this link and this webpage may be in general restricted by the law and the regulatory framework applicable in some countries. This webpage and its content do not in any way constitute an offer for sale or solicitation to buy any securities in any jurisdiction where such offer or solicitation is unlawful under its applicable legislative and regulatory framework.

Finally, investors outside of Greece and Austria or investors subject to the relevant legislation and jurisdiction of other countries may be prohibited to exercise any rights deriving from the Shares, regardless of whether they acquire Shares in any way. If you are viewing this website from the USA, Canada, South Africa, Australia, Japan and / or any other country other than Greece and Austria, where the information provided in the Prospectus is not permitted by the law, please leave this website.

DISCLAIMER

You should read the following important notice before accessing, reading or using in any way the Prospectus on this website.

This Prospectus of the company under the corporate name “AUSTRIACARD HOLDINGS AG” (hereafter the “Company”) which can be accessed through this link (https://www.nbg.gr/el/footer/enimerwtika-deltia) of the website of NATIONAL BANK OF GREECE S.A., was approved by the Board of Directors of the Hellenic Capital Market Commission on 24.01.2023 and relates to the dual listing of the shares in the Company on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, including (a) the existing shares in the Company and (b) the new shares in the Company to be issued in the context of a capital increase due to the merger by absorption by the Company of the company under the corporate name “INFORM P. LYKOS HOLDINGS S.A.” (hereinafter collectively referred to as the “Shares”).

The Prospectus is not published in relation to and does not constitute offer of Shares by or on behalf of the Company.

The Prospectus was approved by the Board of Directors of the Hellenic Capital Market Commission following its transfer by the Austrian Financial Market Authority pursuant to article 20(8) of Regulation (EU) 2017/1129, in connection with the information that must be furnished to investors as required under Regulation (EU) 2017/1129, Greek law 4706/2020 and Delegated Regulations (EU) 2019/979 and 2019/980, as amended and in force. The aforementioned approval shall not be considered as an endorsement of the Company and the quality of the Shares that are the subject of the Prospectus. Investment in the Shares entails risks. Investors should make their own assessment as to the suitability of investing in the Shares.

The Prospectus will be valid for one (1) year from the date of its approval by the Board of Directors of the Hellenic Capital Market Commission. Each significant new factor, material mistake, or material inaccuracy relating to the information included in the Prospectus which may affect the assessment of the Shares in the Company and which arises or is noted between the time when the Prospectus is approved and the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, will be included in a supplement to the Prospectus which will be published in accordance with article 23 of the Regulation 2017/1129 on the Prospectus, in accordance with at least the same arrangements made for the publication of the Prospectus. No obligation for the publication of a supplement to the Prospectus applies after the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange.

Distribution of the Prospectus and any other documents or information contained in this link and this webpage may be in general restricted by the law and the regulatory framework applicable in some countries. This webpage and its content do not in any way constitute an offer for sale or solicitation to buy any securities in any jurisdiction where such offer or solicitation is unlawful under its applicable legislative and regulatory framework.

Finally, investors outside of Greece and Austria or investors subject to the relevant legislation and jurisdiction of other countries may be prohibited to exercise any rights deriving from the Shares, regardless of whether they acquire Shares in any way. If you are viewing this website from the USA, Canada, South Africa, Australia, Japan and / or any other country other than Greece and Austria, where the information provided in the Prospectus is not permitted by the law, please leave this website.

DISCLAIMER

You should read the following important notice before accessing, reading or using in any way the Prospectus on this website.

This Prospectus of the company under the corporate name “AUSTRIACARD HOLDINGS AG” (hereafter the “Company”) which can be accessed through this link (https://www.nbg.gr/el/footer/enimerwtika-deltia) of the website of NATIONAL BANK OF GREECE S.A., was approved by the Board of Directors of the Hellenic Capital Market Commission on 24.01.2023 and relates to the dual listing of the shares in the Company on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, including (a) the existing shares in the Company and (b) the new shares in the Company to be issued in the context of a capital increase due to the merger by absorption by the Company of the company under the corporate name “INFORM P. LYKOS HOLDINGS S.A.” (hereinafter collectively referred to as the “Shares”).

The Prospectus is not published in relation to and does not constitute offer of Shares by or on behalf of the Company.

The Prospectus was approved by the Board of Directors of the Hellenic Capital Market Commission following its transfer by the Austrian Financial Market Authority pursuant to article 20(8) of Regulation (EU) 2017/1129, in connection with the information that must be furnished to investors as required under Regulation (EU) 2017/1129, Greek law 4706/2020 and Delegated Regulations (EU) 2019/979 and 2019/980, as amended and in force. The aforementioned approval shall not be considered as an endorsement of the Company and the quality of the Shares that are the subject of the Prospectus. Investment in the Shares entails risks. Investors should make their own assessment as to the suitability of investing in the Shares.

The Prospectus will be valid for one (1) year from the date of its approval by the Board of Directors of the Hellenic Capital Market Commission. Each significant new factor, material mistake, or material inaccuracy relating to the information included in the Prospectus which may affect the assessment of the Shares in the Company and which arises or is noted between the time when the Prospectus is approved and the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, will be included in a supplement to the Prospectus which will be published in accordance with article 23 of the Regulation 2017/1129 on the Prospectus, in accordance with at least the same arrangements made for the publication of the Prospectus. No obligation for the publication of a supplement to the Prospectus applies after the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange.

Distribution of the Prospectus and any other documents or information contained in this link and this webpage may be in general restricted by the law and the regulatory framework applicable in some countries. This webpage and its content do not in any way constitute an offer for sale or solicitation to buy any securities in any jurisdiction where such offer or solicitation is unlawful under its applicable legislative and regulatory framework.

Finally, investors outside of Greece and Austria or investors subject to the relevant legislation and jurisdiction of other countries may be prohibited to exercise any rights deriving from the Shares, regardless of whether they acquire Shares in any way. If you are viewing this website from the USA, Canada, South Africa, Australia, Japan and / or any other country other than Greece and Austria, where the information provided in the Prospectus is not permitted by the law, please leave this website.

DISCLAIMER

You should read the following important notice before accessing, reading or using in any way the Prospectus on this website.

This Prospectus of the company under the corporate name “AUSTRIACARD HOLDINGS AG” (hereafter the “Company”) which can be accessed through this link (https://www.nbg.gr/el/footer/enimerwtika-deltia) of the website of NATIONAL BANK OF GREECE S.A., was approved by the Board of Directors of the Hellenic Capital Market Commission on 24.01.2023 and relates to the dual listing of the shares in the Company on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, including (a) the existing shares in the Company and (b) the new shares in the Company to be issued in the context of a capital increase due to the merger by absorption by the Company of the company under the corporate name “INFORM P. LYKOS HOLDINGS S.A.” (hereinafter collectively referred to as the “Shares”).

The Prospectus is not published in relation to and does not constitute offer of Shares by or on behalf of the Company.

The Prospectus was approved by the Board of Directors of the Hellenic Capital Market Commission following its transfer by the Austrian Financial Market Authority pursuant to article 20(8) of Regulation (EU) 2017/1129, in connection with the information that must be furnished to investors as required under Regulation (EU) 2017/1129, Greek law 4706/2020 and Delegated Regulations (EU) 2019/979 and 2019/980, as amended and in force. The aforementioned approval shall not be considered as an endorsement of the Company and the quality of the Shares that are the subject of the Prospectus. Investment in the Shares entails risks. Investors should make their own assessment as to the suitability of investing in the Shares.

The Prospectus will be valid for one (1) year from the date of its approval by the Board of Directors of the Hellenic Capital Market Commission. Each significant new factor, material mistake, or material inaccuracy relating to the information included in the Prospectus which may affect the assessment of the Shares in the Company and which arises or is noted between the time when the Prospectus is approved and the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, will be included in a supplement to the Prospectus which will be published in accordance with article 23 of the Regulation 2017/1129 on the Prospectus, in accordance with at least the same arrangements made for the publication of the Prospectus. No obligation for the publication of a supplement to the Prospectus applies after the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange.

Distribution of the Prospectus and any other documents or information contained in this link and this webpage may be in general restricted by the law and the regulatory framework applicable in some countries. This webpage and its content do not in any way constitute an offer for sale or solicitation to buy any securities in any jurisdiction where such offer or solicitation is unlawful under its applicable legislative and regulatory framework.

Finally, investors outside of Greece and Austria or investors subject to the relevant legislation and jurisdiction of other countries may be prohibited to exercise any rights deriving from the Shares, regardless of whether they acquire Shares in any way. If you are viewing this website from the USA, Canada, South Africa, Australia, Japan and / or any other country other than Greece and Austria, where the information provided in the Prospectus is not permitted by the law, please leave this website.