FintechOS

Finovate Global: Meet the International Alums of FinovateFall 2025!

Finovate Global: Meet the International Alums of FinovateFall 2025!
By David Penn Posted on
Categories: Aurem, Dimply, ebankIT, Finovate Global, FinovateFall 2025, FintechOS, ID-Pal, Keyless, LemonadeLXP, MoneyPlanned, OPL, R34DY, Sequretek

Eleven of the more than 60 companies that will be demoing their latest fintech innovations live on stage at FinovateFall next week are headquartered in countries other than the US.

This week’s edition of Finovate Global highlights these fintechs from the Middle East, Western and Central Europe, Canada, India, the UK, and Ireland. With innovations in fields ranging from wealth management and digital banking to fraud prevention and lending, this year’s roster of international alums is a reminder of the robustness of fintech innovation around the world.

FinovateFall 2025 comes to the New York Marriott Marquis in Times Square, September 8 through September 19. Tickets are still available. Visit our FinovateFall hub and save your spot today!

Aurem – Abu Dhabi, UAE

Founded in 2022, Aurem offers an intelligent operating system for retirement and wealth providers. Their platform helps institutions unify and optimize their products, processes, and data and deliver them globally in days.

Dimply – Ireland

Founded in 2020, Dimply enables organizations to optimize operations, enhance customer engagement, uncover growth opportunities, and accelerate digital transformation.

ebankIT – Porto, Portugal

Founded in 2014, ebankIT empowers financial institutions to innovate quickly, reduce costs, and deliver personalized services across all channels, accelerating growth and future-proofing their digital strategy.

FintechOS– London, England

Founded in 2017, FintechOS enables banks and credit unions to launch any product faster, modernize customer experiences, and adapt quickly to market and regulatory changes—without replacing their core systems.

ID-Pal – Dublin, Ireland

ID-Pal facilitates business growth with AI-powered identity verification and AML screening, increasing operational efficiency and customer trust.

Keyless – London, England

Founded in 2019, Keyless replaces outdated MFA with biometrics, improving UX and saving millions. One bank saved $3.5 million by eliminating call centers for OTP-based recovery.

LemonadeLXP – Ottawa, Canada

Founded in 2018, LemonadeLXP’s InsightAI improves staff and customer education and access to knowledge, while driving significant operational efficiencies.

MoneyPlanned – Bengaluru, India

Founded in 2021, MoneyPlanned empowers institutions to offer intelligent, automated financial planning—boosting advisor efficiency, reducing cost-to-serve, and delivering personalized client experiences at scale.

OPL – Ahmedabad, Gujarat, India

Founded in 2015, OPL’s cash-flow-based lending helps banks transform their operations through agile lending, AI-driven insights, and intelligent credit underwriting—expanding credit access to SMEs.

R34DY – Budapest, Hungary

Founded in 2019, R34DY helps organizations transform their business by taking the pain out of integrations and making it easy for business owners to create use cases and reduce time to market.

Sequretek – Mumbai, India

Founded in 2013, Sequretek provides AI-powered, continuous threat exposure management ensuring compliance, governance, and holistic threat visibility across cloud and on-premises systems.

Here is our look at fintech innovation around the world.

Latin America and the Caribbean

  • Mexico-based SME platform Kapital doubled its valuation to $1.3 billion upon securing up to $100 million in Series C funding.
  • Latin America’s largest insurtech, 180 Seguros, raised $9 million in funding.
  • Evertec acquired 75% stake in Brazilian fintech Tecnobank.

Asia-Pacific

  • Hong Kong-based stablecoin-powered cross-border payments infrastructure provider Obita announced $10 million in new funding.
  • Stripe Terminal launched in Japan.
  • International payment solutions provider dtcpay inked a Memorandum of Understanding (MoU) with the People’s Committee of Da Nang during Vietnam Blockchain Day.

Sub-Saharan Africa

  • Tanzania-based fintech NALA expanded into Kenya courtesy of a partnership with Equity Bank and Pesalink.
  • Ripple partnered with Chipper Cash, VALR, and Yellow Card to make its USD-backed stablecoin Ripple USD (RLUSD) available to institutions in Africa.
  • Congolese fintech Maishapay earned a spot in Visa’s Africa Fintech Accelerator program.

Central and Eastern Europe

  • JPMorgan Chase announced plans to launch a digital bank in Germany.
  • Payments network TrueLayer went live in Poland this week.
  • Tietoevry Banking signed a SaaS agreement with IC Cash Services, its first foray into the German ATM market.

Middle East and Northern Africa

  • Israel-based fraud prevention innovator BioCatch and Nasdaq Verafin partnered to fight payment fraud.
  • Mastercard and Zain Cash teamed up to advance digital payments in Jordan.
  • Egyptian cross-border digital solutions provider Munify raised $3 million in seed funding.

Central and Southern Asia

Photo by Gaël Gaborel – OrbisTerrae on Unsplash

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FinovateFall 2025 Sneak Peek Series: Part 6

By Madeline Clines Posted on
Categories: Appli, Debbie, FinovateFall 2025, FinovateFall 2025 Sneak Peek, FintechOS, Lyzr AI, Mall IQ, MoneyPlanned, Reset

A look at the companies demoing at FinovateFall in New York on September 8 – 10. Register today using this link and save 20%.

Appli

Appli’s AI-powered calculators turn visitors into confident shoppers, guiding key loan and savings decisions to boost revenue across every financial product.

Features

  • Delivers personalized financial guidance using AI enabled financial calculators
  • Boosts engagement via a trusted experience seamlessly embedded
  • Drives revenue growth and turns trust into loyal customers

Who’s it for?

Credit unions and community banks.

Debbie

Debbie is a rewards platform for good money habits where users can earn points for saving, paying off debt, and making on time payments.

Features

  • Drives 2x average deposit lift from engaged members
  • Delivers a 35% reduction in delinquencies
  • Sources thousands of new consumers for half the cost
  • Provides competitive intelligence data for upsell opportunities

Who’s it for?

Banks and credit unions.

FintechOS

FintechOS’s AI-driven product engine helps banks innovate without replacing core systems. Its low-code, composable architecture accelerates digital transformation, enhancing compliance and decision-making.

Features

  • Launch Web3 products without core changes
  • Manage deposits and digital assets from a single platform
  • Unlock revenue via crypto-backed lending with GENIUS Act readiness

Who’s it for?

Regional and community banks and credit unions.

Lyzr AI

Lyzr AI is a full stack AI agent infrastructure platform for enterprise.

Features

  • Safe and responsible AI built into the framework
  • Full stack approach from building agents to taking them into production
  • Clonable blueprints and use cases for financial institutions

Who’s it for?

Banks and financial institutions.

Mall IQ

Mall IQ (rebranded as LocatIQ) is an SF-based location AI company empowering financial institutions with real-time customer intent insights, predictive AI models, and contextual engagement.

Features

  • Delivers real-time, hyper-personalized engagement for revenue growth
  • Uses predictive AI models for card spend potential, including affluent and churn prediction
  • Offers alternative credit scoring, fraud prevention, and false card decline prevention

Who’s it for?

Card banks, credit unions, B2C fintech payment companies, loyalty platforms, and retailers.

MoneyPlanned

MoneyPlanned is a patented AI infrastructure for financial planning—delivering real-time, personalised, compliant advice and execution, turning every institution into a 24/7 superhuman advisor.

Features

  • Patented AI infrastructure: Builds and executes goal-based plans in minutes
  • Behavior-aware engine: Adapts to life events, nudging action
  • Enterprise rails: API, onboarding, eKYC, compliance, white-label

Who’s it for?

Advisors, banks, and consumers.

Reset

Reset enables banks and credit unions to natively embed earned wage access, driving growth in deposits and transaction revenue while strengthening customer financial health.

Features

  • Gives cardholders daily access to income and automated cashflow budgeting
  • Attracts and retains direct deposit relationships
  • Earns 4x more interchange revenue per transaction on existing cards

Who’s it for?

Banks, credit unions, and payment processors.

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FintechOS Lands $60 Million for its Core Modernization Technology

FintechOS Lands $60 Million for its Core Modernization Technology
By Julie Muhn (@julieschicktanz) Posted on
Categories: Alumni News, FintechOS, Funding
  • FintechOS received a $60 million investment, boosting its total funding to over $151 million.
  • FintechOS will use the new funds to accelerate its global expansion.
  • In the announcement, FintechOS revealed it experienced 40% year-over-year revenue growth in 2023 and said it expects to break even in 2024.

Financial product management platform FintechOS recently announced it received a $60 million Series B+ investment, boosting its total funding to more than $151 million. Molten Ventures, Cipio Partners, and BlackRock led the round, while existing investors EarlyBird VC, OTB VC, and Gapminder VC also contributed.

FintechOS serves up technology that helps organizations launch and manage financial products and services without having to replace their existing core infrastructure. The company offers low-code/ no-code tools to help organizations extend the capabilities of their existing core, launch new products, improve their customer experience, and optimize back-office workflows across lending, savings, insurance, investment, and embedded finance operations.

While FintechOS will use the funds to accelerate its global expansion, the New York-based company has already made significant progress towards global growth. The company operates globally, with a presence in Europe, North America, and Asia. FintechOS is available in the U.K., the U.S., Canada, Germany, France, the Netherlands, Romania, Spain, Italy, Poland, Belgium, Australia, Singapore, and others.

“Securing this investment is a testament to the confidence our investors have in our vision and execution,” said FintechOS Co-founder and CEO Teo Blidarus. “Our rapid growth and operational improvements reflect the demand for our next-generation financial product management solutions. We are revolutionizing the financial services industry by providing technology that enables core modernization and drives innovation.”

Since Blidarus co-founded FintechOS in 2017, the company experienced 40% year-over-year revenue growth in 2023 and has seen a 170% increase in operating margins. The company expects to break even in 2024. Following its recent $15 million funding round in early 2022, FintechOS has achieved over 300% growth, expanding its client base to 50 global clients. This growth includes high-profile additions such as Société Générale, Admiral, Benenden Health, Avant Money, and Vibrant Credit Union.

“FintechOS’s growth trajectory is a clear indicator of their potential,” said Cipio Partners Managing Partner Roland Dennert. “We are delighted to be part of this journey and look forward to seeing the transformative impact they will make in the financial services sector. Their commitment to modernization and innovation aligns perfectly with our investment strategy.”

As organizations struggle to adapt to changing consumer expectations and new technologies while maintaining their legacy core infrastructure, technologies such as FintechOS’ will see increasing growth. That’s because many traditional players in the space continue to operate using old computer languages such as COBOL, which was developed in 1959 and does not interface easily with modern fintech solutions.

Photo by Igor Starkov

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PwC and Microsoft Tap FintechOS for Digital Banking

PwC and Microsoft Tap FintechOS for Digital Banking
By Julie Muhn (@julieschicktanz) Posted on
Categories: Alumni News, Daily news, FintechOS, Microsoft, PwC
  • Financial services firm PwC and tech giant Microsoft are leveraging digital banking solutions provider FintechOS to create a digital banking solution.
  • The group aims to help banks adapt and modernize their operations to fit into the digital-first era.
  • “This will drive a massive improvement in time-to-value, and the extensibility of digital banking growth and expansion,” said PwC Partner Akhilesh Khera.

In the fintech industry, third party partnerships are king. So it’s not surprising to see the news that financial services firm PwC and tech giant Microsoft are tapping into the expertise of digital banking solutions provider FintechOS.

The trio announced their partnership, which will leverage FintechOS’ expertise, PwC’s digital banking prowess, and Microsoft’s Cloud for Financial Services technology to create a digital banking solution aimed at helping financial institutions adapt and modernize their operations to fit into the digital-first era.

For its part, FintechOS will be crucial in providing banking and investment, customer management, and integration and orchestration services. “We are delighted to be playing a key role in this ground-breaking initiative, as it demonstrates both the market-leading capability of our high-productivity fintech infrastructure and the strength of our relationship with PwC,” said FintechOS VP of Ecosystem Sales at EMEA Todi Pruteanu. “We are excited about the opportunity to work closely with and actively support PwC as this proposition revolutionizes banking across the globe.”

PwC Partner Akhilesh Khera said that the firm selected FintechOS for the company’s high-productivity infrastructure. “This will drive a massive improvement in time-to-value, and the extensibility of digital banking growth and expansion,” explained Khera.

U.K.-based FintechOS was founded in 2017 to help companies quickly launch and manage products and services across lending, savings, insurance, investment, and embedded finance. By helping financial services companies replace their core banking infrastructure operations, FintechOS also helps companies reduce costs, modernize operations, and deploy modern customer journeys that meet today’s standard expectations of great customer experience.

In March of this year, FintechOS launched a pair of accelerators to help financial institutions support their small business clients. Earlier this month, the company unveiled its spring release, which contained a digital retail mortgage and BNPL features. FintechOS demoed Sunglow, a banking super app at FinovateFall 2021. Teo Blidarus is co-founder and CEO.

Photo by Miriam Espacio

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FintechOS Unveils Accelerators to Enhance SME Mobile Onboarding and Lending

FintechOS Unveils Accelerators to Enhance SME Mobile Onboarding and Lending
By David Penn Posted on
Categories: Alumni News, Alumni profile, Daily news, FintechOS
  • FintechOS has launched a pair of accelerators – for mobile lending and mobile onboarding – to enable institutions to support small businesses.
  • The new offerings are built for speed, enabling companies to lower account opening times to less than 15 minutes.
  • Headquartered in London and founded in 2017, FintechOS made its Finovate debut last September at FinovateFall in New York.

Digital banking and insurance solution provider FintechOS unveiled a pair of new accelerators to help financial institutions better serve their SME clients. The offerings, announced this week, support SME mobile lending and onboarding, and enable institutions to reduce the amount of time required to open a current/checking account to less than 15 minutes.

Calling SMEs “the backbone of the global economy”, FintechOS CEO and co-founder Teo Blidarus decried the “lending gap” that has kept many small businesses from being able to secure the critical funding they need in order to grow. “Our high productivity fintech infrastructure, digital and core financial technology blocks combine here with a low-code approach to help institutions close the gap by rolling out tailored financial services experiences at speed.”

FintechOS’ accelerator for mobile onboarding gives financial institutions the ability to implement a modern UX. This will enable them to readily configure both design and content, as well as journey sequence and product logic. The accelerator for mobile lending allows SMEs to access the financing solutions they need in minutes with an out-of-the-box loan origination journey that can be easily configured and requires no technical expertise. Both accelerators embrace a mobile-centric approach that allows small businesses to use their device of choice for both onboarding and financing, which will help lower abandonment risk during the account opening and lending process.

The launch of FintechOS’ account onboarding and mobile lending accelerators comes just days after the company announced a collaboration with digital transformation consultancy Tesselate Group. Together, the two companies will work to bring innovative lending solutions and strategic planning to financial institutions. The partnership will focus on product verticals including digital journey accelerators, ecosystem connectors, and lean core components.

“We’re on a mission to enable companies to build innovative financial services and products at the speed the market requires,” FintechOS VP of Ecosystem Todi Pruteanu said. “Our ecosystem is fundamental to achieving this objective, and FintechOS is investing significantly to build an industry-leading partner infrastructure.”

In February, FintechOS forged a global partnership agreement with fellow Finovate alum Onfido. The pact integrates Onfido’s identity verification solution into FintechOS’ customer onboarding, lending, and claims management journeys. Two of FintechOS’ customer-centric platforms for banks and insurers – Lighthouse and Northstar – feature Onfido’s identity verification and liveness technology.

Among Finovate’s newer alums, FintechOS demoed its technology on the Finovate stage for the first time in September at FinovateFall. At the conference, FintechOS’ Paula Costea and Steve Rooney demonstrated Sunglow, the company’s “super app for banking.” Sunglow enables consumers to finance and book vacations in a seamless, end-to-end customer experience that factors in every component of the lending and booking processes.

Photo by Pixabay

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FinovateFall 2021 Sneak Peek: FintechOS

FinovateFall 2021 Sneak Peek: FintechOS
By oliver Posted on
Categories: Finovate, FinovateFall 2021, FinovateFall 2021 Sneak Peek, FintechOS

A look at the companies demoing at FinovateFall on September 13-15, 2021. Register today and save your spot.

FintechOS gives banks, insurers, and financial institutions a low-code platform to build customer-centric personalized experiences and journeys in weeks, not months.

Features

  • End-to-end solution bundling loans and vacation booking
  • Data-driven personalized journey
  • New customer referral

Why it’s great
FintechOS clients can build apps and experiences like Sunglow today, using low code technology to make development fast, easy, and cost-effective.

Presenters

Sergiu Negut, Chief Strategy Officer & Co-Founder
Negut was the first investor in FintechOS and coordinates finance, marketing, and strategy. He is a leader and entrepreneur with extensive business development experience.
LinkedIn

Steve Rooney, SVP North American Sales
Rooney is a global sales leader with over 25 years of experience propelling growth at various stages of the company trajectory.
LinkedIn

Paula Costea, VP Product Management, Solutions
Costea helps banks, insurers, and financial services institutions develop innovative digital-first customer-centric solutions that boost revenue, add valuem and win new customers.
LinkedIn

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