Strands is a software company founded in 2004 in Corvallis, Oregon and headquartered in Barcelona that develops software for banks & retailers. Strands Finance Suite provides white-label products including Personal Financial Management (PFM), Business Financial Management (BFM), and Card-Linked Offers (CLO). In 2008, Strands deployed the first PFM in Europe. Strands' software employs artificial intelligence techniques such as machine learning, collaborative filtering, pattern recognition, automatic categorization and predictive analytics. In 2007, Strands organized a Summer School on Recommender Systems, which led to the creation of the ACM Conference on Recommender Systems. Its patent portfolio in music recommendation algorithms was acquired by Apple in 2011. From its Barcelona HQ and offices in San Francisco, Miami, Buenos Aires, and Singapore, Strands serves market leaders like Barclays, Deutsche Bank, BBVA, BNP Paribas, PostFinance, AIB, Bank of Montreal (BMO), Banco de América Central (BAC), Commercial Bank of Africa (CBA), The Walt Disney Company, Carrefour and Panasonic.