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Finovate Blog
Tracking fintech, banking & financial services innovations since 1994
London called—and our FinovateEurope 2026 demoing companies answered!
After a full day of live fintech demonstrations showcasing solutions for challenges in lending, payments, wealth management, and more, the attendees of FinovateEurope have made their decision as to which companies will receive Finovate’s highest honor: Best of Show.
As Finovate VP and Master of Ceremonies Greg Palmer noted, this year’s competition was as tough as it has ever been—which reflects well not just on the winners, but also on all the companies that demoed their latest innovations before our audience of fintech and financial services professionals from around the world. Nevertheless, as the saying goes, there can only be one (or, in this case, three)—and here they are: the winners of Best of Show for FinovateEurope 2026!
R34DY for its ABLEMENTS solution that enables rapid AI transformation, allowing banks to achieve faster delivery, lower IT costs and comprehensive differentiation via context-aware modernization.
Serene for its technology that transforms a compliance burden into sustainable growth, with insights that optimize collections, reduce arrears, empower front-line teams, and safely expand lending to underserved markets.
Tweezr for its solution that helps organizations transform and grow by accelerating TTM and increasing developer productivity for both legacy system maintenance and modernization (or even obviating modernization all together).
A hearty congratulations to our trio of Best of Show winners and a profound thanks to all of the companies that demoed their latest fintech innovations on the Finovate stage this week. It seems as if each year the competition just gets tougher, and we salute those companies—from scholarship-winning startups to veteran incumbents—whose innovations bring greater personalization, security, and value to individuals, businesses, and communities.
Next up for Finovate is our event in sunny San Diego—FinovateSpring 2026—scheduled for May 5 through 7. We hope to see you there!
Notes on methodology:
1. Only audience members NOT associated with demoing companies were eligible to vote. Finovate employees did not vote.
2. Attendees were encouraged to note their favorites during each day. At the end of the last demo, they chose their three favorites.
3. The exact written instructions given to attendees: “Please rate (the companies) on the basis of demo quality and potential impact of the innovation demoed.”
4. The three companies appearing on the highest percentage of submitted ballots were named “Best of Show.”
5. Go here for a list of previous Best of Show winners through 2014. Best of Show winners from our 2015 through 2025 conferences are below:
A look at the companies demoing at FinovateEurope in London on February 10. Register today using this link and save 20%.
AAZZUR
AAZZUR is an easy and cost-effective way for brands and platforms to seamlessly integrate financial products and increase customer value.
Features
10x cheaper and 4x faster: Launches banking and cards in 4 to 6 months
70+ plug-and-play modules and use case packages: Delivers hassle-free embedded finance
Vendor-agnostic orchestration: Offers one integration for 30+ fintech partners
Who’s it for?
Challenger brands and mid-stage fintechs.
Francis
Francis is a personal finance AI for people in tech that turns fragmented financial data into actionable wealth insights. Pensions, property, investments, cash – all data in one place.
Features
Tracks all pensions and ISAs in one place
Checks and optimizes investment fees
Benchmarks the user’s portfolio against a market index
Estimates total investable cash
Who’s it for?
Francis is for all of the unadvised, mass-affluent tech and digital professionals with global compensation, starting with big tech in the UK.
mAI Edge
mAI BrandOS is an AI-powered creative system for banks. Fine-tuned per brand, it generates publish-ready, compliant marketing content across dozens of channels in minutes.
Features
Fine-tuned per brand: Encodes visual identity, tone, and compliance rules
Delivers publish-ready outputs: No manual rework or supplier delays
Provides built-in governance: Audit trails, GDPR compliant, EU AI Act ready
Who’s it for?
Tier 1 and Tier 2 retail and commercial banks or insurance companies in CEE, DACH, and Western Europe.
R34DY
ABLEMENTS is a context engineering platform that transforms complex IT landscapes, systems, data, processes, and architecture into AI-ready intelligence that enables enterprise transformation.
Features
Automates legacy discovery
Accelerates M&A integration
Drives digital transformation and AI enablement
Who’s it for?
Banks, credit unions, and enterprises struggling with legacy complexity and system integrators delivering digital transformation and M&A integration.
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!
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.
Founded in 2020, Dimply enables organizations to optimize operations, enhance customer engagement, uncover growth opportunities, and accelerate digital transformation.
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.
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.
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.
Founded in 2018, LemonadeLXP’s InsightAI improves staff and customer education and access to knowledge, while driving significant operational efficiencies.
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.
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.
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.
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.
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.
Ripplepartnered 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.
A look at the companies demoing at FinovateFall in New York on September 8 – 10. Register today using this link and save 20%.
Boucoup
Boucoup supercharges youth accounts to drive revenue, increase deposits, and fuel long-term growth—all while keeping the financial institution in full control.
Features
Delivers a seamless core integration that keeps the financial institution’s brand front and center
Offers secure, controlled deposits with full data ownership
Boosts engagement and card usage to drive lasting revenue growth
Who’s it for?
Credit unions and community banks.
Clarista
Clarista transforms fragmented data into real-time AI-powered insights, empowering financial institutions to accelerate decisions, improve compliance, and unlock growth opportunities with built-in trust.
Features
Provides real-time AI insights from all data sources
Includes built-in governance and compliance alignment
Delivers faster, smarter lending and investment decisions
Who’s it for?
Banks, credit unions, asset managers, private equity firms, insurance providers, and other financial institutions.
Banks, insurance companies, solutions providers, system integrators, neobanks, credit unions, fintechs, payment/EMI providers, embedded finance entities, government entities, and energy companies.
Veep Software
Veep Software’s AI platform for banks and credit unions uses patent-pending risk & wellness scores to deliver real-time funds access and promote financial wellness.
Features
Attracts and retains younger, digitally savvy account holders
Builds trust with AI insights that protect the institution and those they serve
Makes lasting financial wellness simple and achievable
The votes are in and the people have spoken! After a full day of live fintech demos from companies representing 13 countries, the attendees of FinovateEurope 2025 have made their decision as to which of this year’s 30+ demoing companies will take home a Best of Show trophy.
With no further ado, here are this year’s winners.
Keyless for its technology that replaces traditional multi-factor authentication (MFA) methods with automated biometric authentication, improving the user experience while cutting costs.
R34DY for its solution that 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.
Tweezr for its technology that helps organizations transform and grow by accelerating time-to-market and increasing developer productivity for both legacy system maintenance and modernization (or even obviating modernization all together).
A heartfelt thanks to all the demoing companies, sponsors, speakers, and attendees for making FinovateEurope 2025 an exciting, impactful event. Be sure to keep in touch with us on the Finovate blog as these and the rest of our demoing companies continue to innovate and solve problems for banks, financial services providers, fintechs, and their customers.
Our next conference is FinovateSpring, which will be making its San Diego debut on May 7-9. We can’t wait to bring Finovate to California’s second-most populous city and look forward to seeing you there!
Notes on methodology:
1. Only audience members NOT associated with demoing companies were eligible to vote. Finovate employees did not vote.
2. Attendees were encouraged to note their favorites during each day. At the end of the last demo, they chose their three favorites.
3. The exact written instructions given to attendees: “Please rate (the companies) on the basis of demo quality and potential impact of the innovation demoed.”
4. The three companies appearing on the highest percentage of submitted ballots were named “Best of Show.”
5. Go here for a list of previous Best of Show winners through 2014. Best of Show winners from our 2015 through 2024 conferences are below:
A look at the companies demoing at FinovateEurope in London on February 25. Register today using this link and save 20%.
CyberUpgrade
CyberUpgrade automates ICT security and compliance, transforming paper processes into resilience. Built by CISOs, it streamlines audits, risk, and vendor management and fosters cybersecurity awareness.
Features
CoreGuardian ensures compliance with DORA and other frameworks
CoPilot engages employees 1-on-1 via Slack and Teams for security awareness
VendorGuard streamlines vendor risk management
Who’s it for?
Financial institutions, investment firms, insurers, payment processors, critical ICT providers, and non-EU companies serving EU financial entities.
Intrepid Fox
Intrepid Fox makes onboarding for banks and fintechs 10x faster. Their AI-powered document collection reduces manual follow-ups by 90% and cuts costs by 50%.
Features
Provides on-the-spot document analysis for 10x faster document collection
Automates follow-ups with the customer to eliminate back-and-forth emails
Includes an interactive compliance dashboard that provides a robust risk analysis
Who’s it for?
Banks, credit unions, fintechs, payment providers, and financial institutions seeking faster and more efficient business onboarding.
Keyless
Keyless is a leader in privacy-preserving biometric authentication. It is ISO27001, FIDO, and FIDO2 certified and protects global enterprises from fraud while ensuring compliance and multi-factor security.
Features
Delivers data privacy and compliance
Offers multi-factor security
Creates a seamless user experience
Who’s it for?
Banks, fintechs, crypto exchanges, and the broader financial services sector, from SMEs to global organizations.
R34DY
ABLEMENTS by R34DY solves the integration challenge for banks. ABLEMENTS is an AI-driven platform bringing IT ecosystems and organizations together and to market – fast.
Features
Orchestrate – uses AI to integrate IT systems and third-party providers in no time
Create – provides a low code platform for businesses to create flows with AI
Operate – safely deploys and monitors
Who’s it for?
Banks and financial institutions, whether they are legacy, modernizing, or greenfield.
Regsearch AI
Regsearch AI empowers businesses with customizable regulatory AI agents to simplify and automate regulatory compliance, assess gaps, and ensure alignment with internal policies and standards.
Features
Automates regulatory compliance assessments without disrupting current operations
Provides oversight and monitoring of AI agents used outside and within Regsearch AI
Who’s it for?
Small-to-medium-sized businesses, including financial services, insurance companies, banks, credit unions, and payment providers.
