A Cartographer’s Guide to FinovateEurope

If you’ve already registered for FinovateEurope, you’ve probably already seen the list of 71 presenting companies that will showcase on 9 & 10 of February at the event in London (if you haven’t registered yet, there’s still time).

For a unique view of the demoing companies, take a look at our presenter map that shows where each company is headquartered:


The 71 presenting companies represent 20 different countries:

  • 17 are North America-based companies bringing their innovations to Europe
  • 11 are based in the U.K.
  • 6 are Swiss, the country with the densest concentration of presenters

The event is only a few days away, so it’s time to start planning your trip. Here are a few tips:

  1. Register today. This year will be our largest FinovateEurope audience yet and tickets are going fast
  2. Download our event app (search Finovate in the Bizzabo app) to connect with other attendees, view information about the presenters, and more
  3. Check out our Sneak Peek series for a preview of select demos
  4. For specific questions, visit our FAQ at the bottom of the event site or email europe@finovate.com

FinovateEurope 2016 is sponsored by The Bancorp and KPMG.

FinovateEurope 2016 is partnered with Acuity Market IntelligenceAite Group, Bank Innovators Council, BankersHubBayPay Forum, bob’s guide, Byte Academy, Canadian Trade Commissioner Service, CelentThe Cointelegraph, CrowdReviewsDigital Currency CouncilEmerging Payments AssociationFinancial Services ClubFintech Finance, The Fintech Times, Harrington StarrIDC Financial InsightsMapa Research, Mercator Advisory Group, The New EconomyPayments & Cards Network, PitchBook, Plus Journal, SME Finance Forum, techUK, The PaypersVerdict Financial, and World Finance.

FinovateEurope Sneak Peek: SizeUp


FEULogowithDateA look at the companies demoing live to 1,500 fintech professionals. Register today.

SizeUp helps banks better serve their small business customers through big data. It provides individually customized, hyper-local business intelligence for SME companies.

Features include:

  • Improve value to small business customers through big-data insights
  • Introduce bank products and services
  • Increase SME customer acquisition and retention

Why it’s great
SizeUp helps banks deliver new value to their small business customers through big-data insights that SMEs could not previously access.


SizeUp_AnatalioUbaldeAntalio Ubalde, CEO, Founder

Ubalde is a successful entrepreneur and executive who leads Software-as-a-Service ventures focused on data-driven solutions for small businesses and economic development.


SizeUp_BrandonHarrellBrandon Harrell, Product Manager

Harrell manages SizeUp products. He has international experience in Geographic Information System (GIS) modeling, analysis, and project management.

FinovateEurope Sneak Peek: Featurespace


FEULogowithDateA look at the companies demoing live to 1,500 fintech professionals. Register today.

Featurespace is revolutionary, machine learning software developed at Cambridge University. Featurespace is the world leader in adaptive behavioral analytics for software deployed on-premise or via cloud.

Features include:

  • Full control against new and known fraud attacks
  • Power to protect customers while accepting their business
  • Machine learning models managed by internal analyst teams

Why it’s great

ARIC Fraud Manager gives financial services protection from new, unknown fraud attacks—as they happen.


Featurespace_MattMillsMatt Mills, Commercial Director

Mills has a background in development, with a degree in computer science and software engineering from Durham University. Prior to Featurespace, Mills worked at Autonomy, launching the Aurasma Augmented Reality platform, followed by the partner programme which gained 10,000 partners in its first year, among them Telefonica, the biggest partnership in the history of AR.


Featurespace_DaveExcellDave Excell, CTO, Co-founder

Excell works with a client’s commercial, operational and technical teams to understand their business needs and translate these needs into technical requirements—including data, analytical modeling, and software architecture—to deliver effective solutions.


FinovateEurope Sneak Peek: IDscan Biometrics


FEULogowithDateA look at the companies demoing live to 1,500 fintech professionals. Register today.

IDscan Biometrics Limited is a U.K.-incorporated company headquartered in London, with sales and support offices in Johannesburg and Melbourne, and R&D offices in Turkey and Lithuania.

Features include:

  • Customer onboarding
  • Identification and authentication
  • Customer ID management

Why it’s great
The future is now. Identity theft is becoming too common … let’s make the world a safer place.


Tamlyn Thompson, CEO

Zaher Zaiden, CFO


FinovateEurope Sneak Peek: ITSector


FEULogowithDateA look at the companies demoing live to 1,500 fintech professionals. Register today.

ITSector SA, a company with long experience in the financial area, presents omnichannel credit products to minimize the credit process and improve user experience.

Features include:

  • Mobile app for consumer credit
  • Beacons and push-up notifications
  • Credit simulation using augmented reality
  • Workflow for real-time credit approval
  • Channel to the store to manage the credit sales

Why it’s great

Our solution is dedicated to consumer credit, 100% integrated between the client, the bank, and the stores with different channels, using beacons and augmented reality.


ITsector_PedroAlmeidaPedro Almeida, Member, Board of Directors

Almeida has experience in project management, business and technical requirements analysis, and application technical architecture definition. He specializes in banking and telcos IT services.


ITsector_MariaDominguesMaria Domingues, Market Manager

FinovateEurope Sneak Peek: SBDA Group


FEULogowithDateA look at the companies demoing live to 1,500 fintech professionals. Register today.

SBDA Customer Insight turns raw internal and external banking data into targeted customer-relationship management with a platform that portfolio and product managers will love to use.


  • Campaigns launch in 15 minutes
  • One person can handle whole campaign from end to end
  • More than 400 built-in insights about customers’ real life

Why it’s great
SBDA’s platform fills the gap between banking analytics and campaign execution.


SBDA_NikitaBlinovNikita Blinov, CEO




SBDA_AlexanderFonarevAlexander Fonarev, Chief Data Scientist

Fonarev’s responsibilities include supervision of data science projects, solving problems using machine learning and data-mining techniques, consulting external teams in data science, management of data science and analytics teams, and reformulation of the business objectives into the data-mining teams.

SBDA_AnnaLaskovayaAnna Laskovaya, Project Manager


FinovateEurope Sneak Peek: Personetics


FEULogowithDateA look at the companies demoing live to 1,500 fintech professionals. Register today.

Personetics helps banks be relevant to their customers in the digital age by delivering a personalized digital banking experience that elevates customer engagement across digital channels.

Personetics can:

  • Deliver personalized and relevant insights based on real-time data
  • Anticipate customer needs to provide actionable information and advice
  • Reveal patterns and exceptions that go beyond trivia

Why it’s great
To remain relevant in the digital age, banks must use the power of data and analytics to guide customers throughout their financial journey.


Personetics_DavidSosnaDavid Sosna, CEO, Co-founder
Sosna is an entrepreneur with experience in financial services, business intelligence, customer analytics, financial crime and compliance.


Sudharshan Krishnan, Solution Architect

How is Europe Fueling the Fintech Fire?

FinovateEurope is just weeks away, so we’ve been paying closer attention to European fintech. The sector not only achieved a banner year for innovation, but also scored a record amount of VC investments.

To gauge the temperature of fintech innovation in Europe, we looked at Finovate alums in different regions: Aire.io in the United Kingdom, Bitbond in Germany, and Ledger in France.

United Kingdom

In an article titled, Britain’s Booming Fintech Scene, Ayondo reports that the region’s fintech sector brought in a record amount of venture capital funding in 2015, 63% of which was raised by London-based companies. Of that London total, a quarter went to fintech companies. The article also notes that venture capital investment rose from £34 million in 2010 to £312 million in the first six months of 2015.

In the summer of 2015, British Chancellor George Osborne appointed Eileen Burbidge as an ambassador for fintech, to establish a governmental voice for fintech and to position the U.K.’s industry for growth. London & Partners anticipates an additional 8% of the U.K.-based online population will start using fintech products in 2016.

AireHomepageAire.io, a startup committed to help thin-credit-file users build a credit score, is headquartered in the Silicon Roundabout. Founded in 2014, the company’s CEO Aneesh Varma talked with us about its London roots.

“I have been in the London startup scene for almost 10 years now, and it’s been really amazing to witness the transformation,” says Varma. “The people, the events, the universities, and players like Techstars and the Google Campus, have really helped create that virtuous circle we needed.”

According to Varma, the environment has helped foster the startup’s growth: “We ourselves just moved into larger offices to create space as we are actively hiring to grow our team. Being in Shoreditch has been enlightening, as it feels like we are the outsiders who are rethinking how to fix up the cracks of the financial district next door.”

Additionally, Varma noted the active role Aire plays in the startup scene by giving back to the fintech community: “We are also gearing up to host events to help create an opportunity for banks and lenders to meet the very people we are trying to help—we call them Citizens of Aire.” Varma says the moves will showcase why Aire matters to the “wider fintech ecosystem.”

*Read the rest of the interview in the addendum at the bottom of this post.


In Germany banks are beginning to invest in fintech. Commerzbank, the country’s second-largest bank, invested in five fintech companies through its investment arm, CommerzVentures. Deusche Bank, Germany’s largest lender, is entering the mix by opening innovation hubs in London, Berlin, and Silicon Valley.

Peer-to-peer bitcoin lending platform Bitbond is based in Berlin. Earlier this week we spoke with the startup’s co-founder and CEO Radoslav Albrecht who described the city’s attitudes toward fintech. Albrecht says fintech activity is somewhat centralized in Berlin, recently ranked the fastest growing startup hub in the world by Compass.co. Albrecht notes that one of the contributing factors is the much-lower living expenses in Berlin compared with other large German cities.

BitbondHomepageBitbond, which debuted its Autoinvest feature at FinovateEurope 2015, has been doing well over the past year, shifting its focus from consumer loans to SMB loans. Almost 40% of Bitbond lenders have deployed around $100,000 of capital through the Autoinvest tool, which enables investors to define investment preferences, and invests automatically on their behalf.

Additionally, Bitbond is working on creating an investment vehicle that will allow users to invest in loans on its platform without having to purchase bitcoins or set up a bitcoin wallet. Because traditional currency is not involved, fees are much lower.


There are fewer fintech startups in France, but that is about to change. In November 2015, NewAlpha became the first French VC fund dedicated to early stage fintech financing.Ledger - Hi Res

At FinovateEurope this year, Paris-based Ledger will debut Ledger Blue, a personal device that secures payments and smart contracts for bitcoin- and blockchain-based applications.

If you’re eager to see more in the European fintech scene, check out FinovateEurope on 9/10 February at the Old Billingsgate Market Hall in London. Learn more about the 71 presenting companies and register now to join us.

*Here is the full interview with Aneesh Varma, Aire.io CEO:

Finovate: What is Aire doing that its competitors are not?

Varma: At Aire, we don’t focus on competitors. We instead are focused on building the best product based on our core principles of what we would like to see in the world.

One such core principle at Aire is to go beyond just the data, and understand the story of the applicant. Many companies these days get carried away by big data, throwing 20,000 data-points at the problem. But in reality it can lead to situations such as Ben Bernanke not being able to re-mortgage when he changed jobs. The ‘data’ was changing jobs; however, the ‘story’ was that he still had a strong income.

At Aire our research has focused on leveraging artificial intelligence and the cognitive sciences to evaluate more meaningful and deeper data. Understanding the individuality of each applicant and not relying on population-based statistics.

All of our personal data comes directly from the user, via our virtual interview, done in an adaptive interface. It’s like having a human underwriter interview every applicant, but is automated so we can run it at scale with real-time scoring.

This is really powerful, as the Aire process can score anyone without any dependency on external data. This is especially important as we expand out to new geographies.


Finovate: What is the biggest challenge Aire faces in achieving its goal of offering fair access to finance?

Varma: The work we are doing at Aire is really personal to us. In many ways we have ourselves been victims of the cracks in the current system of credit scores. We know what it means to be financially excluded. It’s really tough.

Our work is to onboard more lenders who share the same ethos as Aire about ensuring people aren’t getting marginalized just because they don’t fit into the standard boxes.

We know the Aire product works. Over the last few months we have been able to observe empirical evidence—data on our performance—and it is really phenomenal how we can boost acceptance up to 14% while still ensuring over 90% of the candidates get through our process.

It’s a changing world. More and more of us are going to be self-employed, become freelancers and or migrate to other countries. We shouldn’t be left out.

Finovate: How do you engage with developers?

Varma: Ours is a startup with a purpose. We are solving a real problem; in fact, a really hard problem. There is no hype to our work. It is pure performance which is why we have to carefully leverage technology, research and human emotions to build a great product.

This attracts a very particular type of person who genuinely cares about making an impact with their work, [to become] part of the DNA of our company.

For most of us in the team, this is our second or even third startup. We constantly try to optimize on everything we have done in the past. Most importantly, we focus on culture and hiring the right people.

We have a very rigorous hiring process over six stages. Once someone gets through that, we provide one of the most exciting work environments in London. You are surrounded by leading experts in each field and get to learn from them. And even teach them a few tricks! Perhaps a reason why we are attracting some great minds to join us on this journey (and a place on the European breakout list via Scott Sage).

Finovate: What’s on the horizon for Aire in 2016?

Varma: The biggest push now is to take our product to more people, in more markets. North America is next on the horizon and we are launching there shortly. The emerging markets are also relevant, and we are starting to prepare the groundwork there.

Naturally, ongoing research is very important to improve our product. We continue to invest in research across the various fields that will enhance our offering for new markets, including fellowships with our partner universities. Ultimately, there are going to be multiple versions of how we end up delivering our scoring product to consumers.

And other than that, it’s about focusing on hiring great people. This problem we set out to solve requires not just engineers and scientists, but people across various disciplines. We have baked that into our culture as a company. So a major part of my role ends up looking at how to bring together various people to collaborate as we invent new dimensions to our product.

FinovateEurope Sneak Peek: Finhorizon AG


FEULogowithDate A look at the companies demoing live to 1,500 fintech professionals. Register today.


Finhorizon enables sound, fast and reliable investment decisions by comparing all financial instruments on a single scale. The company’s methodology is compliant with regulatory technical standards.

Finhorizon is:

  • A consistent and traceable determination of risk and performance information
  • Independent from products and research providers
  • Instantly comprehensible, even for financial novices

Why it’s great
To comply with investor and regulator demand, Finhorizon’s independent and homogeneous risk-return estimation process for all financial instruments cannot be dismissed without consideration.


Andreas Zimmermann, Partner
With 20 years in economic and finance research, Zimmermann has lectured on monetary economics and macroeconomics. He has developed and implemented risk-management tools for financial institutions internationally.

FinovateEurope Sneak Peek: Sandstone Technology



FEULogowithDate    A look at the companies demoing live to 1,500 fintech professionals. Register today.


The Sandstone Technology BankFast Mobile App’s latest innovation combines the power of dual persona banking, leveraging context and location to deliver a dynamic, adaptive customer experience.


  • Frictionless banking: rich customer engagement and product origination
  • Dual persona banking: dynamic, adaptive customer experience
  • Adaptive security: using biometrics and distributed fraud management

Why it’s great
Sandstone delivers frictionless, dual persona banking. Its technology solves key customer-engagement issues through a unique mobile experience leveraging context and location to drive consumer engagement.


Sam Plowman, CEO, Sandstone Technology
Plowman is a digital industry leader and author with more than 20 years of experience building substantial, highly successful digital businesses in global companies such as Sandstone Technology, NAB and ANZ.

SandstonePresenter2Mathew Cagney, General Manager, Sales
Dedicated to the banking industry, Cagney draws upon his experience to uncover, develop and deliver revolutionary, digital transformation benefits to financial institutions globally.

FinovateEurope Sneak Peek: Investify


FEULogowithDate A look at the companies demoing live to 1,500 fintech professionals. Register today.


Investify was founded in Luxembourg by award-winning asset managers, outstanding software specialists and top experts for advisory processes. Investify sets new levels in wealth management and customer experience.


  • Playfully define your personalized investment strategy
  • Add motive-based investments in line with your risk tolerance
  • Receive a fully digital customer experience from account opening to portfolio review

Why it’s great
Investify provides private banking services to almost everyone. For a fraction of traditional costs, customers can invest in what they believe in and experience a high digital advisory level.


Tobias Haustein, CTO, Founder
Haustein is a banking and asset-management-software specialist with more than 20 years of professional experience. He is an entrepreneur and chief technology officer of aixigo, a leading advisory software provider in Germany.

investifypresenter2Sebastian Hasenack, Head of Product Management
Hasenack is an asset manager and investment product specialist with a proven track record. He is highly specialized in product origination and portfolio management in highly regulated markets.

FinovateEurope Sneak Peek: myInvenio


FEULogowithDate A look at the companies demoing live to 1,500 fintech professionals. Register today.


myInvenio is a business-process solution that automatically draws the processes by reading banking and finance IT systems’ data, revealing its bottlenecks, critical activities, and resources.


  • Compares real-life business process with business reference model and KPI – is visual and immediate
  • Drastically reduces analysis and improvements costs
  • Allows for multiple users, works cross-platform, and is browser-based

Why it’s great
myInvenio is a process-intelligence solution that automatically analyzes your processes to achieve performance increases at a fraction of the cost.


Massimiliano Delsante, Chief Executive Officer
Delsante is an entrepreneur with more than 20 years of experience in the IT business, supporting banking, automotive and fashion industries by working on business process and workflow-management projects.

Modesta Jonauskyte, Sales & Marketing Department
Jonauskyte is a graduate of communication and public relations with valuable experience in marketing and a passion for IT innovations.